# EDGAR Filing Document

**Accession Number:** 0001802711
**File Stem:** 0001999371-26-008513
**Filing Date:** 2026-4
**Character Count:** 5876867
**Document Hash:** e2169cc322c805f82647e066c7da6b2f
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001999371-26-008513.hdr.sgml**: 20260417

**ACCESSION NUMBER**: 0001999371-26-008513

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

**PUBLIC DOCUMENT COUNT**: 69

**CONFORMED PERIOD OF REPORT**: 20260417

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

**FILED AS OF DATE**: 20260417

**DATE AS OF CHANGE**: 20260417

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Vista Point Assets LLC
- **CENTRAL INDEX KEY:** 0001802711

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

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-04995
- **FILM NUMBER:** 26872426

**BUSINESS ADDRESS:**
- **STREET 1:** 1920 MAIN ST.
- **STREET 2:** SUITE 200
- **CITY:** IRVINE
- **STATE:** CA
- **ZIP:** 92614
- **BUSINESS PHONE:** 949-333-3816

**MAIL ADDRESS:**
- **STREET 1:** 1920 MAIN ST.
- **STREET 2:** SUITE 200
- **CITY:** IRVINE
- **STATE:** CA
- **ZIP:** 92614
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Vista Point Assets LLC
- **CENTRAL INDEX KEY:** 0001802711

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

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

**BUSINESS ADDRESS:**
- **STREET 1:** 1920 MAIN ST.
- **STREET 2:** SUITE 200
- **CITY:** IRVINE
- **STATE:** CA
- **ZIP:** 92614
- **BUSINESS PHONE:** 949-333-3816

**MAIL ADDRESS:**
- **STREET 1:** 1920 MAIN ST.
- **STREET 2:** SUITE 200
- **CITY:** IRVINE
- **STATE:** CA
- **ZIP:** 92614
**SECURITIZER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Vista Point Assets LLC
- **CENTRAL INDEX KEY:** 0001802711

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

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

**BUSINESS ADDRESS:**
- **STREET 1:** 1920 MAIN ST.
- **STREET 2:** SUITE 200
- **CITY:** IRVINE
- **STATE:** CA
- **ZIP:** 92614
- **BUSINESS PHONE:** 949-333-3816

**MAIL ADDRESS:**
- **STREET 1:** 1920 MAIN ST.
- **STREET 2:** SUITE 200
- **CITY:** IRVINE
- **STATE:** CA
- **ZIP:** 92614

**UNITED STATES<br> SECURITIES AND EXCHANGE COMMISSION<br> Washington, D.C. 20549**

**FORM ABS-15G**

**<br> ASSET-BACKED SECURITIZER<br> REPORT PURSUANT TO SECTION 15G OF<br> THE SECURITIES EXCHANGE ACT OF 1934**

**<u>VISTA POINT ASSETS LLC</u>**

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

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

Date of Report (Date of filing) __________________

Commission File Number of securitizer: __________________

Central Index Key Number of securitizer:__________________

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

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

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

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

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

Central Index Key Number of depositor: <u>0001802711</u> 

**VISTA POINT SECURITIZATION TRUST 2026-CES2**

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

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

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

Jim Malloy, (949) 333-3326

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

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

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

**SIGNATURES**

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

---

| | | |
|:---|:---|:---|
|  | VISTA POINT ASSETS LLC | VISTA POINT ASSETS LLC |
| Date: April 17, 2026 | By: | /s/ Jim Malloy |
|  | Name: | Jim Malloy |
|  | Title: | Chief Operating Officer |

---

**EXHIBIT INDEX**

<u>Exhibit Number</u>

[99.1](ex99-1.htm) [Canopy Financial Technology Partners LLC ("Canopy") Narrative](ex99-1.htm)

[Schedule 1 – Canopy Rating Agency Grades Detail Report](ex991s1.htm)

[Schedule 2 – Canopy Rating Agency Grades Summary Report](ex991s2.htm)

[Schedule 3 – Canopy Valuation Report](ex991s3.htm)

[Schedule 4 – Canopy Supplemental Data Extract Report](ex991s4.htm)

[Schedule 5 – Canopy ATR QM Report](ex991s5.htm)

[Schedule 6 – Canopy Data Compare Report](ex991s6.htm)

[99.2](ex99-2.htm) [Clarifii LLC ("Clarifii") Executive Summary](ex99-2.htm)

[Schedule 1 – Clarifii ATR QM Report](ex992s1.htm)

[Schedule 2 – Clarifii Data Compare Report](ex992s2.htm)

[Schedule 3 – Clarifii Rating Agency Grades Detail Report](ex992s3.htm)

[Schedule 4 – Clarifii Rating Agency Grades Summary Report](ex992s4.htm)

[Schedule 5 – Clarifii Supplemental Data Extract Report](ex992s5.htm)

[Schedule 6 – Clarifii Valuation Report](ex992s6.htm)

[99.3](ex99-3.htm) [Incenter Lender Services LLC, c/k/a Incenter Diligence Solutions ("Incenter") Narrative](ex99-3.htm)

[Schedule 1 – Incenter Exception Report](ex993s1.htm)

[Schedule 2 – Incenter Rating Agency Grades Report](ex993s2.htm)

[Schedule 3 – Incenter QM ATR Report](ex993s3.htm)

[Schedule 4 – Incenter Final Tape Compare Report](ex993s4.htm)

[Schedule 5 – Incenter Valuation Report](ex993s5.htm)

[Schedule 6 – Incenter Supplemental Data Report](ex993s6.htm)

[99.4](ex99-4.htm) [Infinity IPS, Inc. ("Infinity") Executive Summary](ex99-4.htm)

[Schedule 1 – Infinity Rating Agency Grades Summary Report](ex994s1.htm)

[Schedule 2 – Infinity Rating Agency Grade Detail Report](ex994s2.htm)

[Schedule 3 – Infinity Valuation Report](ex994s3.htm)

[Schedule 4 – Infinity Data Compare Report](ex994s4.htm)

[Schedule 5 – Infinity Supplemental Data Report](ex994s5.htm)

[Schedule 6 – Infinity ATR QM Report](ex994s6.htm)

[99.5](ex99-5.htm) [Maxwell Diligence Solutions, LLC ("Maxwell") Executive Summary](ex99-5.htm)

[Schedule 1 – Maxwell Standard Exceptions Report](ex995s1.htm)

[Schedule 2 – Maxwell Grading Report](ex995s2.htm)

[Schedule 3 – Maxwell Valuation Report](ex995s3.htm)

[Schedule 4 – Maxwell Data Compare Report](ex995s4.htm)

[Schedule 5 – Maxwell Supplemental Data Report](ex995s5.htm)

[99.6](ex99-6.htm) [Selene Diligence LLC ("Selene") Narrative](ex99-6.htm)

[Schedule 1 – Selene Rating Agency Grades Summary Report](ex996s1.htm)

[Schedule 2 – Selene Standard Findings Report](ex996s2.htm)

[Schedule 3 – Selene Valuation Report](ex996s3.htm)

[Schedule 4 – Selene Supplemental Data Extract Report](ex996s4.htm)

[Schedule 5 – Selene Data Compare Report](ex996s5.htm)

[99.7](ex99-7.htm) [The StoneHill Group, Inc. ("Stonehill") Narrative](ex99-7.htm)

[Schedule 1 – Stonehill ATR QM Report](ex997s1.htm)

[Schedule 2 – Stonehill Data Compare Report](ex997s2.htm)

[Schedule 3 – Stonehill Rating Agency Grades Detail Report](ex997s3.htm)

[Schedule 4 – Stonehill Rating Agency Grades Summary Report](ex997s4.htm)

[Schedule 5 – Stonehill Supplemental Data Extract Report](ex997s5.htm)

[Schedule 6 – Stonehill Valuation Report](ex997s6.htm)

[99.8](ex99-8.htm) [Opus Capital Markets Consultants, LLC ("Opus") Narrative](ex99-8.htm)

[Schedule 1 – Opus ATR QM Report](ex998s1.htm)

[Schedule 2 – Opus Data Compare Report](ex998s2.htm)

[Schedule 3 – Opus Standard Findings Report](ex998s3.htm)

[Schedule 4 – Opus Rating Agency Grades Summary Report](ex998s4.htm)

[Schedule 5 – Opus Supplemental Data Extract Report](ex998s5.htm)

[Schedule 6 – Opus Valuation Report](ex998s6.htm)

## Exhibit 99.1

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.1**

**NARRATIVE**

**VSTA 2026-CES2**

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

Canopy Financial Technology Partners LLC

chweeler@canopytpr.com \| 801-792-2995 \| www.canopytpr.com

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

![](ex991001.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 Vista Point Mortgage, LLC (the "Client") or its affiliated company. The Review was conducted from October 2025 to March 2026 via files imaged and provided by the Client for review.

The Review consisted of a population of four hundred eighty-seven (487) Loans with an aggregate principal balance of $118,797,811.

**Loan Sampling**

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

The Review was conducted consistent with the criteria for the specific Nationally Recognized Statistical Rating Organizations (NRSROs); DBRS, Inc. and S&P Global Ratings.

**Data Integrity**

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

---

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

---

![](ex991001.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;Note Rate | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Occupancy Type | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original Balance | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% |
| &nbsp;&nbsp;Origination Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Primary Mortgage or Rent Times 30 | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Escrow Flag | &nbsp;&nbsp;No tolerance |
| Qualifying Total Debt Income Ratio (if applicable) | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43, Do not Apply Tolerance if DTI >= 43 and AUS = No |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;No tolerance |

---

**Credit Underwriting**

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

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

● Assets and Reserves;

● DTI (when applicable);

● DSCR (when applicable);

● Gross Income (when applicable);

● Housing history;

● Lien Position;

● Loan Purpose;

● LTV/CLTV;

● Monthly debt service;

● Occupancy;

● Property Type;

● Qualifying PITI; and

● Residual Income.

![](ex991001.jpg)

**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; and/or

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

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

● Borrower identity:

● Social Security inconsistencies

● Borrower name variations

![](ex991001.jpg)

● Employment:

● Licensing – reviewed NMLS data for:

● Mortgage lender/originator

● Loan officer

● Occupancy:

● Borrower address history

● Subject property ownership history

● OFAC.

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

● Depository account statements;

● Gift funds;

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

● Stock or security account statements; and/or

● VOD's.

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

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

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

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

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

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

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

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

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

![](ex991001.jpg)

**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); and

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

**Business Purpose Validation (when applicable)**

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

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

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

![](ex991001.jpg)

did not violate any applicable regulatory compliance obligations, the loan was re-graded as a "B" grade final finding.

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

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

**Compliance Review**

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

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

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

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

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

![](ex991001.jpg)

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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,

![](ex991001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;verifying the disbursement date and determining if a full three (3) day rescission period was adequately provided to the borrower(s). The appropriate Model Form will be tested according to applicable U.S. Court of Appeals, Circuit Court rulings; and

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

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

&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.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

● 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).

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**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.

![](ex991001.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.

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

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

***Independent third-party values***

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

**Valuation Reconciliation Process:**

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

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

**Agency Eligible Loans:**

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

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

**GRADING COMPONENTS**

**Due Diligence Grading Criteria**

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

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the NRSRO listed in the Form ABS Due Diligence-15E; DBRS, Inc. and S&P Global Ratings.

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

---

---

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

---

---

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

---

---

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

---

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| | |
|:---|:---|
|  | &nbsp;&nbsp;considered and documented for exceeding guidelines. The appraisal was performed on an "as-is" basis and the property is complete and habitable. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;**C** | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal. The valuation methodology did not meet the published guidelines and there were not sufficient compensating factors for exceeding published guidelines. The property is in below "average" condition or the property is not complete or requires significant repairs. The appraisal was not performed on an "as is" basis. The appraiser was not appropriately licensed or did not use GSE approved forms |
| &nbsp;&nbsp;**D** | The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |

---

**FINDINGS SUMMARY**

**Summary Overview** 

Canopy's review concluded the grading of the Credit, Property/Valuation, and Compliance sections. 7.39% (36 Loans) have an overall grade of "B" and 92.61% (451 Loans) have an overall grade of "A".

Canopy's review concluded a Credit grade of "B" for 4.31%, or twenty-one (21) loans reviewed, and 95.69% (466 loans) have a Credit grade of "A".

Canopy's review concluded a Compliance grade of "B" for 1.85%, or nine (9) loans reviewed, and 98.15% (478 loans) have a Compliance grade of "A".

Canopy's review concluded a Property/Valuation grade of "B" for 0.41%, or two (2) loans reviewed, 51.75% (252 loans) have a Property/Valuation grade of "A", and 48.05% (234 loans) have a Property/Valuation grade of "NA".

**FINDINGS TABLE**

**REVIEW TABLES**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;451 | &nbsp;&nbsp;92.61% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;36 | &nbsp;&nbsp;7.39% |
| &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;**487** | &nbsp;&nbsp;**100.00%** |

---

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| | | |
|:---|:---|:---|
| &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;466 | &nbsp;&nbsp;95.69% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;21 | &nbsp;&nbsp;4.31% |
| &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;**487** | &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;478 | &nbsp;&nbsp;98.15% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;9 | &nbsp;&nbsp;1.85% |
| &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;**487** | &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;252 | &nbsp;&nbsp;51.75% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.21% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;NA | &nbsp;&nbsp;234 | &nbsp;&nbsp;48.05% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**487** | &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;487 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$118797811.00 |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**487** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$118797811.00** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Second | &nbsp;&nbsp;487 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$118797811.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**487** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$118797811.00** |

---

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| | | | |
|:---|:---|:---|:---|
| &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;12 | &nbsp;&nbsp;2.46% | &nbsp;&nbsp;$2851880.00 |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;11 | &nbsp;&nbsp;2.26% | &nbsp;&nbsp;$2359217.00 |
| &nbsp;&nbsp;Cash Out: Other/Multi-Purpose/Unknown Purpose | &nbsp;&nbsp;456 | &nbsp;&nbsp;93.63% | &nbsp;&nbsp;$111798024.00 |
| &nbsp;&nbsp;Limited Cash Out (GSE Definition) | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.21% | &nbsp;&nbsp;$200000.00 |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.21% | &nbsp;&nbsp;$500000.00 |
| &nbsp;&nbsp;Other Than First Time Home Purchase | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.21% | &nbsp;&nbsp;$125000.00 |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;5 | &nbsp;&nbsp;1.03% | &nbsp;&nbsp;$963690.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**487** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$118797811.00** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;120 Months | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.62% | &nbsp;&nbsp;$260000.00 |
| &nbsp;&nbsp;121 - 180 Months | &nbsp;&nbsp;21 | &nbsp;&nbsp;4.31% | &nbsp;&nbsp;$3510697.00 |
| &nbsp;&nbsp;181 - 240 Months | &nbsp;&nbsp;19 | &nbsp;&nbsp;3.90% | &nbsp;&nbsp;$2147728.00 |
| &nbsp;&nbsp;241 - 300 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;301 - 360 Months | &nbsp;&nbsp;444 | &nbsp;&nbsp;91.17% | &nbsp;&nbsp;$112879386.00 |
| &nbsp;&nbsp;421 - 480 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**487** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$118797811.00** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;374 | &nbsp;&nbsp;76.80% | &nbsp;&nbsp;$91242096.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;3 | &nbsp;&nbsp;0.62% | &nbsp;&nbsp;$785000.00 |
| &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;110 | &nbsp;&nbsp;22.59% | &nbsp;&nbsp;$26770715.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**487** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$118797811.00** |

---

![](ex991001.jpg)

**DATA COMPARISON RESULTS**

Of the four hundred eighty-seven (487) loan files reviewed, two hundred thirty-nine (239) unique loans (49.08% by number) had three hundred one (301) tape comparison discrepancies across seventeen (17) data fields.

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|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Logic Applied** | &nbsp;&nbsp;**# Loans with Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;Amount of Other Lien | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;487 | &nbsp;&nbsp;0.41% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;487 | &nbsp;&nbsp;0.21% |
| &nbsp;&nbsp;Business Purpose Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;6 | &nbsp;&nbsp;487 | &nbsp;&nbsp;1.23% |
| &nbsp;&nbsp;Escrow Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;487 | &nbsp;&nbsp;0.21% |
| &nbsp;&nbsp;Number of Mortgaged Properties | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;487 | &nbsp;&nbsp;0.41% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;487 | &nbsp;&nbsp;0.21% |
| &nbsp;&nbsp;Other Lien Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;17 | &nbsp;&nbsp;487 | &nbsp;&nbsp;3.49% |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;487 | &nbsp;&nbsp;0.21% |
| &nbsp;&nbsp;Prepayment Penalty Calculation | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;487 | &nbsp;&nbsp;0.21% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;487 | &nbsp;&nbsp;0.21% |
| &nbsp;&nbsp;Property Attachment Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;487 | &nbsp;&nbsp;0.41% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;36 | &nbsp;&nbsp;487 | &nbsp;&nbsp;7.39% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% | &nbsp;&nbsp;15 | &nbsp;&nbsp;487 | &nbsp;&nbsp;3.08% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;35 | &nbsp;&nbsp;487 | &nbsp;&nbsp;7.19% |
| &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;168 | &nbsp;&nbsp;487 | &nbsp;&nbsp;34.50% |
| &nbsp;&nbsp;Term | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;487 | &nbsp;&nbsp;0.41% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;10 | &nbsp;&nbsp;487 | &nbsp;&nbsp;2.05% |

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![](ex991001.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 99.1

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.1 - Schedule 1**

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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** |
| 666412 |  | C B A | Closed | FCRE1437 | 2026-04-03 12:07 | 2026-04-03 12:12 | Waived | 2 - Non-Material C B | Credit | Income | Income and Employment Do Not Meet Guidelines | Waived-Document Uploaded. - Due Diligence Vendor-04/03/2026 <br>Waived-Exception granted with supporting comp factors: to allow less than 6 months statements to be used for asset depletion - Due Diligence Vendor-04/03/2026 <br>Open-Income and Employment Do Not Meet Guidelines - Due Diligence Vendor-04/03/2026 |  | Waived-Document Uploaded. - Due Diligence Vendor-04/03/2026 <br>Waived-Exception granted with supporting comp factors: to allow less than 6 months statements to be used for asset depletion - Due Diligence Vendor-04/03/2026<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 32.25% 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 - 43.25 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.88 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months | Months Reserves Are Greater Than The Guideline Minimum By Six<br> Original CLTV is Below the Guideline Maximum By Ten Percent<br> Low Credit Usage Ratio Of Twenty-Five Percent | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Post-Close | Yes | xxx |
| 954827 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 425490 |  | D A | Closed | FCRE6914 | 2025-12-01 23:05 | 2026-01-20 10:38 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 2 Citizenship Documentation Not Provided | Resolved-Drivers License provided - Due Diligence Vendor-01/20/2026 <br>Ready for Review-Document Uploaded. - Seller-01/20/2026 <br>Open-Borrower 2 Citizenship Documentation Is Missing (Number of Borrowers equals 2 Borrower 2 Residency Doc Locator is Missing) B2's identification documentation is not legible. - Due Diligence Vendor-12/02/2025 | Ready for Review-Document Uploaded. - Seller-01/20/2026<br>| Resolved-Drivers License provided - Due Diligence Vendor-01/20/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.24% 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 64.55% 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 - 41 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 425490 |  | D A | Closed | FCRE3978 | 2025-12-02 00:09 | 2026-01-19 07:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Letter of Explanation (Credit) missing or unexecuted | Resolved-Cash out letter provided - Due Diligence Vendor-01/19/2026 <br>Ready for Review-Document Uploaded. - Seller-01/16/2026 <br>Open-Missing a signed and dated letter of explanation from B1 regarding the use of loan funds must be provided for cash-out refinance transactions.<br> - Due Diligence Vendor-12/02/2025 | Ready for Review-Document Uploaded. - Seller-01/16/2026<br>| Resolved-Cash out letter provided - Due Diligence Vendor-01/19/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.24% 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 64.55% 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 - 41 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 384511 |  | D A | Closed | FCOM1252 | 2025-12-03 13:08 | 2026-01-06 14:53 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-\*\*Received evidence of rate lock date. - Due Diligence Vendor-01/06/2026 <br>Ready for Review-Document Uploaded. see attached for loan locked date - Seller-01/06/2026 <br>Counter-\*\*\* Evidence of APOR/Lock date has not been provided, Without confirmation of this date TPR is unable to determine if a A Locked Loan Estimate. required to be provided to the consumer within 3 business days after loan is Locked, has been provided. ~~~~ Finding remains unresolved - Due Diligence Vendor-12/09/2025 <br>Ready for Review-see attached document on other cond - Seller-12/08/2025 <br>Open-\*\*\* 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, has not been provided. ~~~~~~~~~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-12/03/2025 | Ready for Review-Document Uploaded. see attached for loan locked date - Seller-01/06/2026 <br>Ready for Review-see attached document on other cond - Seller-12/08/2025<br>| Resolved-\*\*Received evidence of rate lock date. - Due Diligence Vendor-01/06/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.18% 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 62.73% 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 - 10.33 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 43.87 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 - 10.32 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 384511 |  | D A | Closed | FCOM1477 | 2025-12-03 13:17 | 2026-01-06 14:53 | Resolved | 1 - Information D A | Compliance | Missing Doc - Rate Lock | Missing evidence of rate lock | Resolved-\*\*Received evidence of rate lock date. - Due Diligence Vendor-01/06/2026 <br>Ready for Review-Document Uploaded. see attached document for loan locked date - Seller-01/06/2026 <br>Counter-\*\*\* Evidence of APOR/Lock date has not been provided, Without confirmation of this date TPR is unable to determine if a A Locked Loan Estimate. required to be provided to the consumer within 3 business days after loan is Locked, has been provided. ~~~~ Finding remains unresolved - Due Diligence Vendor-12/09/2025 <br>Ready for Review-see attached document on other cond - Seller-12/08/2025 <br>Open-Evidence of Rate Lock Missing Evidence of APOR/Lock date has not been provided. - Due Diligence Vendor-12/03/2025 | Ready for Review-Document Uploaded. see attached document for loan locked date - Seller-01/06/2026 <br>Ready for Review-see attached document on other cond - Seller-12/08/2025<br>| Resolved-\*\*Received evidence of rate lock date. - Due Diligence Vendor-01/06/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.18% 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 62.73% 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 - 10.33 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 43.87 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 - 10.32 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 384511 |  | D A | Closed | FCOM7353 | 2025-12-03 13:06 | 2025-12-09 09:38 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-Confirmation of 10/29/2025 application date has been provided - Due Diligence Vendor-12/09/2025 <br>Ready for Review-Document Uploaded. - Seller-12/08/2025 <br>Open-Documentation provided does not include confirmation of the borrowers application date. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Thank you - Due Diligence Vendor-12/03/2025 | Ready for Review-Document Uploaded. - Seller-12/08/2025<br>| Resolved-Confirmation of xxx application date has been provided - Due Diligence Vendor-12/09/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.18% 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 62.73% 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 - 10.33 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 43.87 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 - 10.32 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 407419 |  | D A | Closed | FCRE3653 | 2025-12-03 16:17 | 2026-01-29 11:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-LOE provided. - Due Diligence Vendor-01/29/2026 <br>Ready for Review-Document Uploaded. - Seller-01/28/2026 <br>Open-Missing B1 signed and dated LOE use of Cash out proceeds. - Due Diligence Vendor-12/03/2025 | Ready for Review-Document Uploaded. - Seller-01/28/2026<br>| Resolved-LOE provided. - Due Diligence Vendor-01/29/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.45% 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 24.86 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 - 18.00 Years<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> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 41.47% 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 - 17.90 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 662015 |  | D A | Closed | FCRE9549 | 2025-12-05 11:42 | 2026-01-22 11:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Credit Report Supplement is missing | Resolved-Payment history provided - Due Diligence Vendor-01/22/2026 <br> Ready for Review-Document Uploaded. Please see attached. Loan was serviced by xxx before transferring to xxx servicing. - Seller-01/21/2026 <br> Open-Missing 12 months payment history for xxx (subject property senior lien); - Due Diligence Vendor-12/05/2025 | Ready for Review-Document Uploaded. Please see attached. Loan was serviced by xxx before transferring to xxx servicing. - Seller-01/21/2026 | Resolved-Payment history provided - Due Diligence Vendor-01/22/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxx |
| 662015 |  | D A | Closed | FCRE1815 | 2025-12-05 11:51 | 2025-12-08 13:02 | 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-12/08/2025 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-12/06/2025 <br> Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Provide the following documentation for xxx (xxx) as required per GL 3.6.3:<br>xxx Annual Report and Certificate of Good Standing for xxx.<br>Operating Agreement reflecting ownership percentages. Confirmation is required that all individuals with >25% ownership interest are listed as applicants on the 1003 and meet all credit requirements.<br>Resolution to Borrow / Authorization to Encumber identifying the authorized signer(s) for the xxx. - Due Diligence Vendor-12/05/2025 |  | Resolved-Entity documents provided - Due Diligence Vendor-12/08/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxx |
| 662015 |  | D A | Closed | FCRE1819 | 2025-12-05 11:55 | 2025-12-08 12:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Financial Statement Incomplete | Resolved-Entity documents provided for xxx - Due Diligence Vendor-12/08/2025 <br> Ready for Review-Corp docs uploaded under different findings - Buyer-12/06/2025 <br> Open-Provide the following documentation for B1 xxx, A xxx Limited Liability Company, per GL 3.6.3:<br>Operating Agreement (pages 249–289) reflecting ownership percentages, along with any applicable Articles of Amendment. Confirmation is required that the borrower(s) listed on the 1003 meet GL ownership requirements. The EIN documentation dated xxx indicates a Sole Member; all individuals with >25% ownership interest ("Interested Persons") must apply for the loan and meet credit requirements.<br>Resolution to Borrow / Authorization to Encumber identifying the authorized signer(s) for the xxx. - Due Diligence Vendor-12/05/2025 |  | Resolved-Entity documents provided for xxx - Due Diligence Vendor-12/08/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxx |
| 662015 |  | D A | Closed | FCRE7347 | 2025-12-05 11:39 | 2025-12-08 12:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-xxx provided. - Due Diligence Vendor-12/08/2025 <br> Ready for Review-Document Uploaded. Short term rent history reflected on the last few pages of the attached report. - Buyer-12/06/2025 <br> Open-Missing PER GL 8.10.3 DSCR Documentation requirements / Refinance Currently Leased 1-4 units:<br>1) LONG TERM RENTAL \*\*/ DSCR is calculated using lower of lease agreement or rent survey.<br> If existing lease agreement(s) show a higher rental amount than the market rent, the higher rents <br> may be used with receipt of most recent three (3) months payments (e.g. cancelled checks, bank <br> statements, etc.), or as per the terms on the lease agreement for new leases.<br> 2) SHORT TERM LEASES \*\*/ DSCR -<br> • Use the leases used throughout the year and average over the 12-month period. If there <br> are months where the property is vacant, use zero for that month in the average. The <br> average should be supported by the comparable rent schedule (within reason).<br> • xxx/xxx or similar services are allowed on DSCR:<br> o If subject property leased on a short-term basis utilizing an on-line service such as <br> xxx; gross monthly rents can be determined by using a 12-month look <br> back period and either 12-monthly statements or an annual statement provided by <br> the on-line service to document receipt of rental income. <br> If documentation cannot be provided covering a 12-month period, the property will be considered unleased.<br>\*\*An expired lease agreement that has verbiage that states the lease agreement becomes a month-to-month lease once the initial lease/rental term expires is allowed. - Due Diligence Vendor-12/05/2025 |  | Resolved-xxx provided. - Due Diligence Vendor-12/08/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxx |
| 662015 |  | D A | Closed | FCOM1477 | 2025-12-05 11:30 | 2025-12-08 12:42 | Resolved | 1 - Information D A | Compliance | Missing Doc - Rate Lock | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-12/08/2025 <br> Ready for Review-Document Uploaded. - Seller-12/05/2025 <br> Open-Missing Updated rate LOCK with Possible pricing issue- Audit Review reflects qualifying DSCR at 1.278, with pricing for DSCR 1.668. - Due Diligence Vendor-12/05/2025 | Ready for Review-Document Uploaded. - Seller-12/05/2025<br>| Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-12/08/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxx |
| 431948 |  | D A | Closed | FCOM2630 | 2025-12-08 00:07 | 2026-01-12 09:36 | 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 \*\*Received disclosure - Due Diligence Vendor-01/12/2026 <br>Ready for Review-Document Uploaded. - Seller-01/09/2026 <br>Open-Right To Choose Attorney or Attorney Preference Not In File - Due Diligence Vendor-12/08/2025 | Ready for Review-Document Uploaded. - Seller-01/09/2026<br>| Resolved-Right To Choose Attorney or Attorney Preference Resolved or Not Applicable \*\*Received disclosure - Due Diligence Vendor-01/12/2026<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<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29.61 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 22.8% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.40 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 162889 |  | B A | Closed | FCRE6763 | 2025-12-12 07:53 | 2025-12-12 07:53 | Waived | 2 - Non-Material B | Credit | Income | Income documentation does not meet guidelines | Waived- Guidelines do not permit a personal bank statement to be used and must provide business bank<br> statements. Exception to use a co-mingled joint personal account with their "spouse" for income qualification - Due Diligence Vendor-12/12/2025 |  | Waived- Guidelines do not permit a personal bank statement to be used and must provide business bank<br> statements. Exception to use a co-mingled joint personal account with their "spouse" for income qualification - Due Diligence Vendor-12/12/2025<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 53.83% 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 89.77 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 - 27.83 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<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.97% 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 - 11.42 Years | FICO xxx<br> - Housing history 0X30X65<br> - Reserves of 23 month |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx |
| 162889 |  | B A | Closed | FCRE1199 | 2025-12-12 07:52 | 2025-12-12 07:52 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Audited Loan Amount of $xxx is greater than the Guideline Maximum Loan Amount of $xxx Subject property is zoned as rural residential. Exception for loan amount being $xxx while<br> guidelines allow max loan amount as $xxx - Due Diligence Vendor-12/12/2025 |  | Waived-Audited Loan Amount of $xxx is greater than the Guideline Maximum Loan Amount of $xxx Subject property is zoned as rural residential. Exception for loan amount being $xxx while<br> guidelines allow max loan amount as $xxx - Due Diligence Vendor-12/12/2025 | Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 53.83% 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 89.77 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 - 27.83 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<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.97% 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 - 11.42 Years | FICO xxx<br> - Housing history 0X30X65<br> - Reserves of 23 month |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx |
| 734089 |  | C B A | Closed | finding-2504 | 2025-12-17 10:41 | 2026-01-13 11:14 | Cured | 2 - Non-Material C B | Compliance | Points & Fees | TILA Foreclosure Rescission Finance Charge Test | Cured-\*\*Received complete cure package and evidence of re-opened rescission period received xxx. - Due Diligence Vendor-01/13/2026 <br> Resolved-\*\*Received complete cure package and evidence of re-opened rescission period. - Due Diligence Vendor-01/13/2026 <br> Resolved- - Due Diligence Vendor-01/13/2026 <br> Ready for Review-Document Uploaded. - Seller-01/12/2026 <br> Counter-\*\*In addition to the cure documents, the lender must indicate in the LOE that the 3 business day rescission period is being re-opened and provide the borrower a new NORTC form. The new rescission period starts when the new NORTC is delivered to the borrower. If the borrower does not exercise their right to cancel and the lender provided a complete cure package then the findings will be updated accordingly after the new rescission period has expired. - Due Diligence Vendor-01/06/2026 <br> Ready for Review-We need your help regarding this condition since we've never had this situation before. Aside from the LOE, restitution and proof of delivery, we're required to re-open the rescission. Does this require re-signing of the entire document set along with the rescission or can it be done without re-signing the entire documents? Please clarify. - Seller-01/05/2026 <br> Counter-A PCCD alone is insufficient to remediate a Finance Charge violation. TILA 130(b) correction requires LOE, copy of restitution in the amount of $xxx, and proof of delivery required to cure to EV2-B. For rescindable transactions, re-opening of rescission and proof of receipt by borrower also required.<br> - Due Diligence Vendor-12/24/2025 <br> Ready for Review-Document Uploaded. - Seller-12/23/2025 <br> Counter-\*\*Received Lender's Mavent report dated xxx and same copy of the Final CD that is already in the original file. The documents alone do not resolve the findings. The lender's most recent Mavent report confirms that the lender excluded the Title Wire Fee of $xxx from their finance charge calculations. - Due Diligence Vendor-12/23/2025 <br> Ready for Review-Document Uploaded. See attached Final PCCD and xxx Compliance with a PASS - Seller-12/22/2025 <br> Open-\*\*\*\*Canopy's compliance testing resulted in a fail of the Finance Charge test. Lender's disclosed finance charge test on Final CD and PCCD was understated by $xxx which exceeds the $xxx threshold. - Due Diligence Vendor-12/18/2025 <br> Open- - Due Diligence Vendor-12/18/2025 <br> Open- - Due Diligence Vendor-12/18/2025 <br> Open- - Due Diligence Vendor-12/18/2025 <br> Open- - Due Diligence Vendor-12/18/2025 <br> Open- - Due Diligence Vendor-12/17/2025 <br> Open- - Due Diligence Vendor-12/17/2025 <br> Open- - Due Diligence Vendor-12/17/2025 <br> Open-This loan failed the TILA foreclosure rescission finance charge test. (12 CFR §1026.23(h) , transferred from 12 CFR §226.23(h))The finance charge is $xxx. The disclosed finance charge of $xxx is not considered accurate for purposes of rescission because it is understated by more than $xxx. - Due Diligence Vendor-12/17/2025 <br> Open- - Due Diligence Vendor-12/17/2025 | Ready for Review-Document Uploaded. - Seller-01/12/2026 <br> Ready for Review-We need your help regarding this condition since we've never had this situation before. Aside from the LOE, restitution and proof of delivery, we're required to re-open the rescission. Does this require re-signing of the entire document set along with the rescission or can it be done without re-signing the entire documents? Please clarify. - Seller-01/05/2026 <br> Ready for Review-Document Uploaded. - Seller-12/23/2025 <br> Ready for Review-Document Uploaded. See attached Final PCCD and xxx Compliance with a PASS - Seller-12/22/2025 | Cured-\*\*Received complete cure package and evidence of re-opened rescission period received xxx. - Due Diligence Vendor-01/13/2026 <br> Resolved-\*\*Received complete cure package and evidence of re-opened rescission period. - Due Diligence Vendor-01/13/2026 | 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 - 27.70 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 - 27.69 Years<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> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 17.44% 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 22.93 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 64.97% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 734089 |  | C B A | Closed | finding-3721 | 2025-12-18 09:52 | 2026-01-13 11:13 | Cured | 2 - Non-Material C B | Compliance | TRID | TILA Post-Consummation Revised Closing Disclosure Foreclosure Rescission Finance Charge Test | Cured-\*\*Received complete cure package and evidence of re-opened rescission period received xxx. - Due Diligence Vendor-01/13/2026 <br> Resolved-\*\*Received complete cure package and evidence of re-opened rescission period. - Due Diligence Vendor-01/13/2026 <br> Resolved- - Due Diligence Vendor-01/13/2026 <br> Ready for Review-Document Uploaded. - Seller-01/12/2026 <br> Counter-\*\*In addition to the cure documents, the lender must indicate in the LOE that the 3 business day rescission period is being re-opened and provide the borrower a new NORTC form. The new rescission period starts when the new NORTC is delivered to the borrower. If the borrower does not exercise their right to cancel and the lender provided a complete cure package then the findings will be updated accordingly after the new rescission period has expired. - Due Diligence Vendor-01/06/2026 <br> Counter-A PCCD alone is insufficient to remediate a Finance Charge violation. TILA 130(b) correction requires LOE, copy of restitution in the amount of $xxx, and proof of delivery required to cure to EV2-B. For rescindable transactions, re-opening of rescission and proof of receipt by borrower also required.<br> - Due Diligence Vendor-12/24/2025 <br> Ready for Review-Document Uploaded. - Seller-12/23/2025 <br> Counter-\*\*Received Lender's xxx report dated xxx and same copy of the Final CD that is already in the original file. The documents alone do not resolve the findings. The lender's most recent xxx report confirms that the lender excluded the Title Wire Fee of $xxx from their finance charge calculations. - Due Diligence Vendor-12/23/2025 <br> Ready for Review-Document Uploaded. See attached Final PCCD and xxx Compliance with a PASS - Seller-12/22/2025 <br> Open-\*\*\*\*xxx compliance testing resulted in a fail of the Finance Charge test. Lender's disclosed finance charge test on Final CD and PCCD was understated by $xxx which exceeds the $xxx threshold. - Due Diligence Vendor-12/18/2025 <br> Open-This loan failed the TILA foreclosure rescission finance charge test. (12 CFR §1026.23(h) , transferred from 12 CFR §226.23(h))The finance charge is $xxx. The disclosed finance charge of $xxx is not considered accurate for purposes of rescission because it is understated by more than $xxx. - Due Diligence Vendor-12/18/2025 <br> Open- - Due Diligence Vendor-12/18/2025 | Ready for Review-Document Uploaded. - Seller-01/12/2026 <br> Ready for Review-Document Uploaded. - Seller-12/23/2025 <br> Ready for Review-Document Uploaded. See attached Final PCCD and xxx Compliance with a PASS - Seller-12/22/2025 | Cured-\*\*Received complete cure package and evidence of re-opened rescission period received xxx. - Due Diligence Vendor-01/13/2026 <br> Resolved-\*\*Received complete cure package and evidence of re-opened rescission period. - Due Diligence Vendor-01/13/2026 | 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 - 27.70 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 - 27.69 Years<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> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 17.44% 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 22.93 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 64.97% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 734089 |  | C B A | Closed | FCRE9565 | 2025-12-17 01:07 | 2025-12-23 13:55 | Resolved | 1 - Information C A | Credit | QM/ATR | ATR: Residual Income Analysis Not Provided | Resolved-ATR: Residual Income Analysis Provided Or Not Applicable - Due Diligence Vendor-12/23/2025 <br>Ready for Review-Document Uploaded. - Seller-12/22/2025 <br>Open-ATR: Residual Income Analysis Not Provided - Due Diligence Vendor-12/17/2025 | Ready for Review-Document Uploaded. - Seller-12/22/2025<br>| Resolved-ATR: Residual Income Analysis Provided Or Not Applicable - Due Diligence Vendor-12/23/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 27.70 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 - 27.69 Years<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> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 17.44% 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 22.93 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 64.97% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 116618 |  | C A | Closed | FCOM7353 | 2025-12-18 05:30 | 2025-12-31 10:43 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-Lender verification of 10/29/2025 application date provided - Due Diligence Vendor-12/31/2025 <br>Ready for Review-Document Uploaded. - Seller-12/30/2025 <br>Open-Documentation provided does not include confirmation of the borrowers application date. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Thank you - Due Diligence Vendor-12/18/2025 | Ready for Review-Document Uploaded. - Seller-12/30/2025<br>| Resolved-Lender verification of xxx application date provided - Due Diligence Vendor-12/31/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.87 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 38.53% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 799471 |  | C B A | Closed | FCRE1193 | 2025-12-18 20:38 | 2026-02-23 13:19 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Exception granted with supporting comp factors: Exception to use guidelines that were dated after the application date but while the loan was in process. - Due Diligence Vendor-02/23/2026 <br> Ready for Review-Document Uploaded. We explicitly had a discussion about this but just to get the finding cleared, please see attached as requested. - Buyer-02/22/2026 <br> Open-An exception would be needed here. The guidelines (section 1.2 last sentence) explicitly that they are to be used as of the application date. As of the subject loan's application date of xxx, these guides didn't exist yet. - Due Diligence Vendor-02/17/2026 <br> Counter-An exception would be needed here. The guidelines (section 1.2 last sentence) explicitly that they are to be used as of the application date. As of the subject loan's application date of xxx, these guides didn't exist yet. - Due Diligence Vendor-02/17/2026 <br> Ready for Review-Please escalate this to management. - Buyer-12/24/2025 <br> Counter-per Directive - Initial Application date is xxx - The Updated Gl's provided are dated xxx - The most recent 2nd lien (CES) guidelines are xxx which was used in the audit review. - Due Diligence Vendor-12/23/2025 <br> Ready for Review-Please see attached as requested. - Buyer-12/22/2025 <br> Counter-Provided Full 2nd Lien Updated Guidelines - Due Diligence Vendor-12/22/2025 <br> Ready for Review-Document Uploaded. Rebut-please see attached. Guideline was updated to align with our xxx guidelines and was in effect when the loan closed. NO exception needed. - Buyer-12/20/2025 <br> Open-The DTI variance is due to an updated Asset Depletion calculation. Per GL 8.9, allowable assets must be divided by 84 months, not 60 months, resulting in a decrease in monthly income from $xxx. - Due Diligence Vendor-12/19/2025 |  | Waived-Exception granted with supporting comp factors: Exception to use guidelines that were dated after the application date but while the loan was in process. - Due Diligence Vendor-02/23/2026<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 - 20 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.58 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 61.03% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More | LTV - Max - 80% Subject - 57.1%<br> Mtg - History dating back to xxx. No lates in the last 24+ months | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxx |
| 278662 |  | D A | Closed | FCRE3653 | 2025-12-23 00:29 | 2026-01-21 13:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Cash out letter provided - Due Diligence Vendor-01/21/2026 <br>Ready for Review-Document Uploaded. - Seller-01/20/2026 <br>Open-Missing fully executed letter of explanation from B1 & CB1 regarding the use of loan funds must be provided for cash-out refinance transactions.<br> - Due Diligence Vendor-12/23/2025 | Ready for Review-Document Uploaded. - Seller-01/20/2026<br>| Resolved-Cash out letter provided - Due Diligence Vendor-01/21/2026<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 - 8.56 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> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.32% 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 92.07 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 xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 278662 |  | D A | Closed | FCRE7497 | 2025-12-22 08:35 | 2026-01-10 09:36 | 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-01/10/2026 <br> Ready for Review-Document Uploaded. - Seller-01/08/2026 <br> Open-Missing documentation for the Other Expense for REO Property/xxx in the amount of $xxx.<br> - Due Diligence Vendor-12/22/2025 | Ready for Review-Document Uploaded. - Seller-01/08/2026<br>| Resolved-REO documents provided - Due Diligence Vendor-01/10/2026<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 - 8.56 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> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.32% 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 92.07 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 xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 278662 |  | D A | Closed | FCRE5782 | 2025-12-23 00:16 | 2026-01-10 09:30 | 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-01/10/2026 <br> Ready for Review-Document Uploaded. - Seller-01/08/2026 <br> Open-Borrower 1 Gap Credit Report is Missing Missing Gap report dated within 30 days of the Note Date (CBR date xxx is 56 days older than the Note Date of xxx) - Due Diligence Vendor-12/23/2025 | Ready for Review-Document Uploaded. - Seller-01/08/2026<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/10/2026<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 - 8.56 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> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.32% 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 92.07 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 xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 278662 |  | D A | Closed | FCRE5783 | 2025-12-23 00:16 | 2026-01-10 09:30 | 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-01/10/2026 <br> Ready for Review-Document Uploaded. - Seller-01/08/2026 <br> Open-Borrower 2 Gap Credit Report is Missing Missing Gap report dated within 30 days of the Note Date (CBR date xxx is 56 days older than the Note Date of xxx) - Due Diligence Vendor-12/23/2025 | Ready for Review-Document Uploaded. - Seller-01/08/2026<br>| Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-01/10/2026<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 - 8.56 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> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.32% 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 92.07 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 xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 227077 |  | C A | Closed | FCRE1660 | 2025-12-19 04:53 | 2026-01-09 17:22 | Resolved | 1 - Information C A | Credit | QM/ATR | ATR: All Liabilities, Including Alimony And/Or Child Support, Not Included in DTI | Resolved- - Due Diligence Vendor-01/09/2026 <br> Ready for Review-Document Uploaded. Page # 10 of the Agreement shows the Child support - Seller-01/08/2026 <br> Open-ATR: All Liabilities, Including Alimony And/Or Child Support, Not Included in DTI Child support document is missing. - Due Diligence Vendor-12/19/2025 | Ready for Review-Document Uploaded. Page # 10 of the Agreement shows the Child support - Seller-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 - 13.54 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 - 13.54 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 52.26% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 64.96 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 37.88% Is Less Than The Guideline Maximum Of 60% 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 - 11.58 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 284753 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 885392 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 596444 |  | D A | Closed | FCRE1503 | 2025-12-23 23:02 | 2025-12-31 10:23 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Final CD provided (escrowed) for xxx - Due Diligence Vendor-12/31/2025 <br> Ready for Review-Document Uploaded. - Seller-12/30/2025 <br> Open-Missing mortgage statement OR new FCD for xxx. 1008 mentions refi of an investment property without mentioning address. - Due Diligence Vendor-12/24/2025 | Ready for Review-Document Uploaded. - Seller-12/30/2025<br>| Resolved-Final CD provided (escrowed) for xxx - Due Diligence Vendor-12/31/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.60 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.27 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 - 5.17 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.93% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 596444 |  | D A | Closed | FCRE2109 | 2025-12-24 11:20 | 2025-12-26 17:37 | 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-12/26/2025 <br>Ready for Review-Document Uploaded. - Seller-12/26/2025 <br>Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-12/24/2025 | Ready for Review-Document Uploaded. - Seller-12/26/2025<br>| Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-12/26/2025 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.60 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.27 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 - 5.17 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.93% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 499589 |  | D A | Closed | FCRE1164 | 2025-12-23 21:59 | 2025-12-30 12:09 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Flood Insurance Policy Missing | Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-12/30/2025 <br>Ready for Review-Document Uploaded. - Buyer-12/29/2025 <br>Open-Missing Flood Insurance Policy Missing flood insurance dec page. - Due Diligence Vendor-12/26/2025 |  | Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-12/30/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 23.64 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 - 23.64 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 72.21 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 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 42.87% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 540293 |  | C A | Closed | finding-3634 | 2025-12-24 17:29 | 2025-12-29 05:05 | 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-12/29/2025 <br> Resolved- - Due Diligence Vendor-12/29/2025 <br> Ready for Review-Document Uploaded. - Seller-12/26/2025 <br> Open-\*\*\*\* The following charges have been either added or increased: Discount Points resulting in a 0% tolerance cure in the amount of $xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-12/26/2025 <br> Open- - Due Diligence Vendor-12/26/2025 <br> Open- - Due Diligence Vendor-12/26/2025 <br> Open- - Due Diligence Vendor-12/24/2025 | Ready for Review-Document Uploaded. - Seller-12/26/2025<br>| Resolved-COC event detail received, data entered, no additional compliance findings. - Due Diligence Vendor-12/29/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.16 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.16<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.77 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.77 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 51.61 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 51.61 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 - 22.17 Years Borrower At Current Residence For Five (5) Or More Years - 22.17 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.94% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 38.94% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 540293 |  | C A | Closed | finding-3631 | 2025-12-24 17:29 | 2025-12-29 05:05 | 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-12/29/2025 <br> Resolved- - Due Diligence Vendor-12/29/2025 <br> Ready for Review-Document Uploaded. - Seller-12/26/2025 <br> Open-\*\*\*\* Finding in relation to \*\*\*\* The following charges have been either added or increased: Discount Points resulting in a 0% tolerance cure in the amount of $xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-12/26/2025 <br> Open- - Due Diligence Vendor-12/26/2025 <br> Open- - Due Diligence Vendor-12/26/2025 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-12/24/2025 <br> Open- - Due Diligence Vendor-12/24/2025 | Ready for Review-Document Uploaded. - Seller-12/26/2025<br>| Resolved-COC event detail received, data entered, no additional compliance findings. - Due Diligence Vendor-12/29/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.16 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.16<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.77 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.77 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 51.61 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 51.61 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 - 22.17 Years Borrower At Current Residence For Five (5) Or More Years - 22.17 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.94% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 38.94% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 540293 |  | C A | Closed | finding-3632 | 2025-12-24 17:29 | 2025-12-29 05:05 | 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-12/29/2025 <br> Resolved- - Due Diligence Vendor-12/29/2025 <br> Ready for Review-Document Uploaded. - Seller-12/26/2025 <br> Open-\*\*\*\* Finding in relation to \*\*\*\* The following charges have been either added or increased: Discount Points resulting in a 0% tolerance cure in the amount of $xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-12/26/2025 <br> Open- - Due Diligence Vendor-12/26/2025 <br> Open- - Due Diligence Vendor-12/26/2025 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-12/24/2025 <br> Open- - Due Diligence Vendor-12/24/2025 | Ready for Review-Document Uploaded. - Seller-12/26/2025<br>| Resolved-COC event detail received, data entered, no additional compliance findings. - Due Diligence Vendor-12/29/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.16 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.16<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.77 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.77 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 51.61 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 51.61 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 - 22.17 Years Borrower At Current Residence For Five (5) Or More Years - 22.17 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.94% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 38.94% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 783809 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 249230 |  | D B A | Closed | FCRE1161 | 2025-12-23 02:14 | 2026-01-10 13:20 | Waived | 2 - Non-Material D B | Credit | Missing Doc - Insurance | Flood Certificate Missing | Waived-Exception granted with supporting comp factors: Flood cert pulled after the note date. - Due Diligence Vendor-01/10/2026 <br> Ready for Review-Document Uploaded. - Seller-01/09/2026 <br> Counter-Approved Lender Exception form from xxx - Due Diligence Vendor-01/08/2026 <br> Ready for Review-Can you please clarify whom we request the exception from? Is there a form to submit? Do we email someone directly? Please provide further clarification. - Seller-01/07/2026 <br> Counter-Missing an Approved Lender Exception for Flood Cert being completed after closing. - Due Diligence Vendor-01/06/2026 <br> Ready for Review-Per the loan processor, NO - that was the only flood issued. Thank you! - Seller-01/06/2026 <br> Counter-Apologies for the confusion, the Flood cert that was provided is dated xxx however the Note date is xxx. was a Flood cert completed prior to the Note date? - Due Diligence Vendor-01/02/2026 <br> Ready for Review-Can you please clarify this condition? The property is NOT in a flood zone. - Seller-01/02/2026 <br> Open-Flood Certificate provided is dated xxx however the Note is dated xxx. - Due Diligence Vendor-12/31/2025 <br> Resolved-Flood Certificate provided is dated xxx however the Note is dated xxx. - Due Diligence Vendor-12/31/2025 <br> Ready for Review-Document Uploaded. - Seller-12/29/2025 <br> Open-Missing Flood Certificate Please provide Flood Certification. It is missing from the loan package received. - Due Diligence Vendor-12/23/2025 | Ready for Review-Document Uploaded. - Seller-01/09/2026 <br>Ready for Review-Can you please clarify whom we request the exception from? Is there a form to submit? Do we email someone directly? Please provide further clarification. - Seller-01/07/2026 <br>Ready for Review-Per the loan processor, NO - that was the only flood issued. Thank you! - Seller-01/06/2026 <br>Ready for Review-Can you please clarify this condition? The property is NOT in a flood zone. - Seller-01/02/2026 <br>Ready for Review-Document Uploaded. - Seller-12/29/2025<br>| Waived-Exception granted with supporting comp factors: Flood cert pulled after the note date. - Due Diligence Vendor-01/10/2026 <br> Resolved-Flood Certificate provided is dated xxx however the Note is dated xxx. - Due Diligence Vendor-12/31/2025 | Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 63.4% 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 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 20.72 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 - 26.50 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 53.32 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 - 5.25 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 30.62% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | Borrower has great stable income and employment.<br> Borrower has great recent credit and great mortgage payment history. <br> Borrower will have 53mo reserves after COE, low LTV, and low DTI | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxx |
| 221534 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 583579 |  | C B A | Closed | finding-3635 | 2025-12-26 16:45 | 2026-01-14 08:46 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Cured-\*\*Received Cure Package - Due Diligence Vendor-01/14/2026 <br> Resolved-\*\*Received Cure Package - Due Diligence Vendor-01/14/2026 <br> Resolved- - Due Diligence Vendor-01/14/2026 <br> Ready for Review-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% ($xxx) exceed the comparable charges ($xxx) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-01/14/2026 <br> Open- - Due Diligence Vendor-01/14/2026 <br> Ready for Review-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($xxx) exceed the comparable charges ($xxx) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Document Uploaded. - Seller-01/13/2026 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($xxx) exceed the comparable charges ($xxx) 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-12/26/2025 <br> Open-\*\*\*Section C fees were paid to a provider from the service provider list. Total of fees exceeded the 10% threshold. - Due Diligence Vendor-12/30/2025 <br> Open- - Due Diligence Vendor-12/30/2025 <br> Open- - Due Diligence Vendor-12/26/2025 | Ready for Review-Document Uploaded. - Seller-01/13/2026<br>| Cured-\*\*Received Cure Package - Due Diligence Vendor-01/14/2026 <br>Resolved-\*\*Received Cure Package - Due Diligence Vendor-01/14/2026<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 0.09<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>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 56.23% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 583579 |  | C B A | Closed | finding-3631 | 2025-12-26 16:45 | 2026-01-14 08:46 | Cured | 2 - Non-Material C B | Compliance | Points & Fees | Reimbursement Amount Validation Test | Cured-\*\*Received Cure Package - Due Diligence Vendor-01/14/2026 <br>Resolved-\*\*Received Cure Package - Due Diligence Vendor-01/14/2026 <br>Resolved- - Due Diligence Vendor-01/14/2026 <br>Open- - Due Diligence Vendor-01/14/2026 <br>Open- - Due Diligence Vendor-01/14/2026 <br>Ready for Review-Document Uploaded. - Seller-01/13/2026 <br>Open-\*\*\*Section C fees were paid to a provider from the service provider list. Total of fees exceeded the 10% threshold. - Due Diligence Vendor-12/30/2025 <br>Open- - Due Diligence Vendor-12/30/2025 <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-12/26/2025 <br>Open- - Due Diligence Vendor-12/26/2025 | Ready for Review-Document Uploaded. - Seller-01/13/2026<br>| Cured-\*\*Received Cure Package - Due Diligence Vendor-01/14/2026 <br>Resolved-\*\*Received Cure Package - Due Diligence Vendor-01/14/2026<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 0.09<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>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 56.23% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 583579 |  | C B A | Closed | finding-3632 | 2025-12-26 16:45 | 2026-01-14 08:46 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-\*\*Received Cure Package - Due Diligence Vendor-01/14/2026 <br>Resolved- - Due Diligence Vendor-01/14/2026 <br>Open- - Due Diligence Vendor-01/14/2026 <br>Open- - Due Diligence Vendor-01/14/2026 <br>Ready for Review-Document Uploaded. - Seller-01/13/2026 <br>Open-\*\*\*Section C fees were paid to a provider from the service provider list. Total of fees exceeded the 10% threshold. - Due Diligence Vendor-12/30/2025 <br>Open- - Due Diligence Vendor-12/30/2025 <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-12/26/2025 <br>Open- - Due Diligence Vendor-12/26/2025 | Ready for Review-Document Uploaded. - Seller-01/13/2026<br>| Resolved-\*\*Received Cure Package - Due Diligence Vendor-01/14/2026<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 0.09<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>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 56.23% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 583579 |  | C B A | Closed | FCRE1159 | 2025-12-26 05:10 | 2026-01-06 08:30 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-01/06/2026 <br> Ready for Review-Document Uploaded. - Seller-01/05/2026 <br> Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx - Due Diligence Vendor-12/26/2025 | Ready for Review-Document Uploaded. - Seller-01/05/2026<br>| Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-01/06/2026 | 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 0.09<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>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 56.23% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 620500 |  | D A | Closed | FCRE8611 | 2025-12-29 13:42 | 2026-01-08 10:38 | Resolved | 1 - Information C A | Credit | Income | Income/Employment General | Resolved- - Due Diligence Vendor-01/08/2026 <br> Ready for Review-Document Uploaded. - Seller-01/07/2026 <br> Open-WVOE for B2 shows base income Year to date base pay for xxx as $xxx & for xxx as $xxx however Total for all income is $xxx for xxx & $xxx for xxx. Please clarify the base income for the borrower. - Due Diligence Vendor-12/29/2025 | Ready for Review-Document Uploaded. - Seller-01/07/2026<br>|  | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.43 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.03 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 - 9.79 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 0.15<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.84% 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 70.8% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 620500 |  | D A | Closed | FCRE5782 | 2025-12-29 14:12 | 2026-01-05 15:08 | 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-01/05/2026 <br>Ready for Review-Document Uploaded. - Seller-01/05/2026 <br>Open-Borrower 1 Gap Credit Report is Missing Gap Credit Report is missing for Borrower 1 & 2. Per guidelines the gap credit report is to be dated within 30 days of the Note date. Unable to locate the gap credit report. - Due Diligence Vendor-12/29/2025 | Ready for Review-Document Uploaded. - Seller-01/05/2026<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/05/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.43 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.03 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 - 9.79 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 0.15<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.84% 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 70.8% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 308990 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 701724 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 582888 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 843378 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 487698 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 537402 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 992003 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno |  |  |  |
| 739369 |  | D A | Closed | FCRE1503 | 2025-12-31 10:40 | 2025-12-31 15:41 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-First payment letter, Note & HUD/SS for 2nd Lien provided - Due Diligence Vendor-12/31/2025 <br> Ready for Review-Document Uploaded. - Seller-12/31/2025 <br> Open-missing statement for xxx;2nd lien recently refinanced with xxx - Due Diligence Vendor-12/31/2025 | Ready for Review-Document Uploaded. - Seller-12/31/2025<br>| Resolved-First payment letter, Note & HUD/SS for 2nd Lien provided - Due Diligence Vendor-12/31/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.78% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 33.78% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.58 Years Borrower At Current Residence For Five (5) Or More Years - 20.58 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.17 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 34.17 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 - 19.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.00 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 - 10.81 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.81 Years |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 224657 |  | D A | Closed | FCRE1325 | 2026-01-02 11:23 | 2026-01-06 08:42 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-01/06/2026 <br>Ready for Review-Document Uploaded. - Seller-01/05/2026 <br>Open-Borrower 1 CPA Letter Missing Missing CPA letter confirming ownership interest. - Due Diligence Vendor-01/02/2026 | Ready for Review-Document Uploaded. - Seller-01/05/2026<br>| Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-01/06/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 23.04% 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 34.5% 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 - 20.58 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 38.41 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 - 19.33 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.82 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 343032 |  | C A | Closed | finding-47 | 2026-01-01 23:40 | 2026-01-06 17:03 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-\*\*Received PCCD - Due Diligence Vendor-01/06/2026 <br> Resolved- - Due Diligence Vendor-01/06/2026 <br> Ready for Review-Document Uploaded. - Seller-01/05/2026 <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 xxx - 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-01/02/2026 <br> Open- - Due Diligence Vendor-01/02/2026 <br> Open- - Due Diligence Vendor-01/02/2026 | Ready for Review-Document Uploaded. - Seller-01/05/2026<br>| Resolved-\*\*Received PCCD - Due Diligence Vendor-01/06/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 35.2% 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 62.93 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 - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.85 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 172049 |  | D A | Closed | FCRE1316 | 2025-12-31 08:11 | 2026-01-07 11:52 | 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-01/07/2026 <br> Ready for Review-Document Uploaded. - Seller-01/06/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing the verbal VOE from xxx dated within 10-days of the note date - Due Diligence Vendor-12/31/2025 | Ready for Review-Document Uploaded. - Seller-01/06/2026<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-01/07/2026<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 44.98% 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 - 15.25 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 67.76% Is Below the Guideline Maximum Of 90% 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 9.47 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 118490 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 236515 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 385296 |  | C B A | Closed | finding-3631 | 2025-12-31 13:31 | 2026-01-15 18:28 | Cured | 2 - Non-Material C B | Compliance | Points & Fees | Reimbursement Amount Validation Test | Cured-Received cure package<br> - Due Diligence Vendor-01/15/2026 <br> Resolved-Received cure package<br> - Due Diligence Vendor-01/15/2026 <br> Ready for Review-Document Uploaded. - Seller-01/15/2026 <br> Counter-\*\*LOE received does not provide a valid COC reason for the Appraisal Re-Inspection fee and do not resolve findings. Additionally, Appraisal Update in the file indicates the report was done on xxx and date of Signature and Report as xxx. Fee was not disclosed to the borrower until xxx. Lender has the option to provide a tolerance cure to resolve. Will need to provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-01/09/2026 <br> Ready for Review-Document Uploaded. - Seller-01/08/2026 <br> Open-\*\*\*\* Finding in relation to \*\*\*\*\* The following charges have been either added or increased: Appraisal Re-Inspection resulting in a 0% tolerance cure in the amount of $xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-01/02/2026 <br> Open- - Due Diligence Vendor-01/02/2026 <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-12/31/2025 <br> Open- - Due Diligence Vendor-12/31/2025 | Ready for Review-Document Uploaded. - Seller-01/15/2026 <br>Ready for Review-Document Uploaded. - Seller-01/08/2026<br>| Cured-Received cure package<br> - Due Diligence Vendor-01/15/2026 <br>Resolved-Received cure package<br> - Due Diligence Vendor-01/15/2026<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 xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 42.69% 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 - 7.00 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 63.73% Is Below the Guideline Maximum Of 90% 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 75.39 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 385296 |  | C B A | Closed | finding-3634 | 2025-12-31 13:31 | 2026-01-15 18:28 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Cured-Received cure package<br> - Due Diligence Vendor-01/15/2026 <br> Resolved-Received cure package<br> - Due Diligence Vendor-01/15/2026 <br> Ready for Review-Document Uploaded. - Seller-01/15/2026 <br> Counter-\*\*LOE received does not provide a valid COC reason for the Appraisal Re-Inspection fee and do not resolve findings. Additionally, Appraisal Update in the file indicates the report was done on xxx and date of Signature and Report as xxx. Fee was not disclosed to the borrower until xxx. Lender has the option to provide a tolerance cure to resolve. Will need to provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-01/09/2026 <br> Ready for Review-Document Uploaded. - Seller-01/08/2026 <br> Open-\*\*\*\*\* The following charges have been either added or increased: Appraisal Re-Inspection resulting in a 0% tolerance cure in the amount of $xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-01/02/2026 <br> Open- - Due Diligence Vendor-01/02/2026 <br> Open- - Due Diligence Vendor-12/31/2025 | Ready for Review-Document Uploaded. - Seller-01/15/2026 <br>Ready for Review-Document Uploaded. - Seller-01/08/2026<br>| Cured-Received cure package<br> - Due Diligence Vendor-01/15/2026 <br>Resolved-Received cure package<br> - Due Diligence Vendor-01/15/2026<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 xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 42.69% 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 - 7.00 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 63.73% Is Below the Guideline Maximum Of 90% 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 75.39 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 385296 |  | C B A | Closed | finding-3632 | 2025-12-31 13:31 | 2026-01-15 18:27 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Received cure package<br> - Due Diligence Vendor-01/15/2026 <br> Ready for Review-Document Uploaded. - Seller-01/15/2026 <br> Counter-\*\*LOE received does not provide a valid COC reason for the Appraisal Re-Inspection fee and do not resolve findings. Additionally, Appraisal Update in the file indicates the report was done on xxx and date of Signature and Report as xxx. Fee was not disclosed to the borrower until xxx. Lender has the option to provide a tolerance cure to resolve. Will need to provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-01/09/2026 <br> Ready for Review-Document Uploaded. - Seller-01/08/2026 <br> Open-\*\*\*\* Finding in relation to \*\*\*\*\* The following charges have been either added or increased: Appraisal Re-Inspection resulting in a 0% tolerance cure in the amount of $xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-01/02/2026 <br> Open- - Due Diligence Vendor-01/02/2026 <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-12/31/2025 <br> Open- - Due Diligence Vendor-12/31/2025 | Ready for Review-Document Uploaded. - Seller-01/15/2026 <br>Ready for Review-Document Uploaded. - Seller-01/08/2026<br>| Resolved-Received cure package<br> - Due Diligence Vendor-01/15/2026<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 xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 42.69% 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 - 7.00 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 63.73% Is Below the Guideline Maximum Of 90% 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 75.39 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 355684 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 785436 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 566623 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 965852 |  | D A | Closed | FCOM1227 | 2025-12-31 15:09 | 2026-01-07 07:59 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | PUD Rider is Missing | Resolved-PUD rider provided - Due Diligence Vendor-01/07/2026 <br> Ready for Review-Document Uploaded. - Seller-01/05/2026 <br> Open-PUD Rider is Missing for the property located at xxx signed on or about xxx. - Due Diligence Vendor-01/05/2026 | Ready for Review-Document Uploaded. - Seller-01/05/2026<br>| Resolved-PUD rider provided - Due Diligence Vendor-01/07/2026<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 xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 5.00 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 31.4% 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 33.55 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 is Below the Guideline Maximum By Ten Percent (10%) or More Original CLTV Of 70.91% 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 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.25 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 - 15.00 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 965852 |  | D A | Closed | FCOM1220 | 2025-12-31 14:35 | 2026-01-07 07:59 | 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-01/07/2026 <br> Ready for Review-Document Uploaded. - Seller-01/05/2026 <br> Open-The Deed of Trust is Missing for the property located at xxx signed on or about xxx. - Due Diligence Vendor-12/31/2025 | Ready for Review-Document Uploaded. - Seller-01/05/2026<br>| Resolved-The Deed of Trust is Present - Due Diligence Vendor-01/07/2026<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 xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years Borrower At Current Residence For Five (5) Or More Years - 5.00 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 31.4% 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 33.55 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 is Below the Guideline Maximum By Ten Percent (10%) or More Original CLTV Of 70.91% 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 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.25 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 - 15.00 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 593679 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 327583 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 353658 |  | C B A | Closed | finding-3634 | 2026-01-02 06:04 | 2026-01-16 09:59 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Cured-Received cure package.<br> - Due Diligence Vendor-01/16/2026 <br> Resolved-Received cure package.<br> - Due Diligence Vendor-01/16/2026 <br> Ready for Review-Document Uploaded. - Seller-01/15/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). \*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*The following charges have been increased: Transfer Taxes resulting in a 0% tolerance cure in the amount of $xxx. There is not change to Loan Amount or other indicator to validate a Change of Circumstance event. 0% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-01/08/2026 <br> Open- - Due Diligence Vendor-01/06/2026 <br> Open- - Due Diligence Vendor-01/06/2026 <br> Open- - Due Diligence Vendor-01/06/2026 <br> Open- - Due Diligence Vendor-01/02/2026 | Ready for Review-Document Uploaded. - Seller-01/15/2026<br>| Cured-Received cure package.<br> - Due Diligence Vendor-01/16/2026 <br>Resolved-Received cure package.<br> - Due Diligence Vendor-01/16/2026<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 79.37% 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 - 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 - 7.22 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 53.02 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.13% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 353658 |  | C B A | Closed | finding-3631 | 2026-01-02 06:04 | 2026-01-16 09:59 | Cured | 2 - Non-Material C B | Compliance | Points & Fees | Reimbursement Amount Validation Test | Cured-Received cure package.<br> - Due Diligence Vendor-01/16/2026 <br> Resolved-Received cure package.<br> - Due Diligence Vendor-01/16/2026 <br> Ready for Review-Please see other condition for documents - Seller-01/15/2026 <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.\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*The following charges have been increased: Transfer Taxes resulting in a 0% tolerance cure in the amount of $xxx. There is not change to Loan Amount or other indicator to validate a Change of Circumstance event. 0% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-01/08/2026 <br> Open- - Due Diligence Vendor-01/06/2026 <br> Open- - Due Diligence Vendor-01/06/2026 <br> Open- - Due Diligence Vendor-01/06/2026 <br> Open- - Due Diligence Vendor-01/02/2026 | Ready for Review-Please see other condition for documents - Seller-01/15/2026<br>| Cured-Received cure package.<br> - Due Diligence Vendor-01/16/2026 <br>Resolved-Received cure package.<br> - Due Diligence Vendor-01/16/2026<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 79.37% 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 - 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 - 7.22 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 53.02 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.13% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 353658 |  | C B A | Closed | finding-3632 | 2026-01-02 06:04 | 2026-01-16 09:58 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Received cure package.<br> - Due Diligence Vendor-01/16/2026 <br> Ready for Review-Please see other condition for documents - Seller-01/15/2026 <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.\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*\*The following charges have been increased: Transfer Taxes resulting in a 0% tolerance cure in the amount of $xxx. There is not change to Loan Amount or other indicator to validate a Change of Circumstance event. 0% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-01/08/2026 <br> Open- - Due Diligence Vendor-01/06/2026 <br> Open- - Due Diligence Vendor-01/06/2026 <br> Open- - Due Diligence Vendor-01/06/2026 <br> Open- - Due Diligence Vendor-01/02/2026 | Ready for Review-Please see other condition for documents - Seller-01/15/2026<br>| Resolved-Received cure package.<br> - Due Diligence Vendor-01/16/2026<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 79.37% 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 - 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 - 7.22 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 53.02 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.13% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 353658 |  | C B A | Closed | FCOM7353 | 2026-01-02 06:07 | 2026-01-08 17:05 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-Lender confirmation of xxx application date, provided. Thank you - Due Diligence Vendor-01/08/2026 <br> Ready for Review-Document Uploaded. - Seller-01/07/2026 <br> Open-Documentation provided does not include confirmation of the borrower's application date. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Thank you<br> - Due Diligence Vendor-01/02/2026 | Ready for Review-Document Uploaded. - Seller-01/07/2026<br>| Resolved-Lender confirmation of xxx application date, provided. Thank you - Due Diligence Vendor-01/08/2026 | Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 79.37% 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 - 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 - 7.22 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 53.02 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.13% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 330626 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 637679 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 736932 |  | C A | Closed | FCOM7353 | 2026-01-07 04:43 | 2026-01-15 10:13 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-Received confirmation of application date.<br> - Due Diligence Vendor-01/15/2026 <br> Ready for Review-The application date is dated xxx per the uploaded signed initial 1003 - Seller-01/14/2026 <br> Counter-The Notice of Intent alone does not clarify the TRID Application Date inquiry. Lender to confirm the true application date and provide supporting evidence. - Due Diligence Vendor-01/12/2026 <br> Ready for Review-Document Uploaded. Attached borr's signed intent to proceed - Seller-01/09/2026 <br> Counter-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. Thank you - Due Diligence Vendor-01/09/2026 <br> Ready for Review-Document Uploaded. - Seller-01/08/2026 <br> Open-Documentation provided does not include confirmation of the borrower's application date. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Thank you.<br>- Due Diligence Vendor-01/07/2026 | Ready for Review-The application date is dated 11/26 per the uploaded signed initial 1003 - Seller-01/14/2026 <br>Ready for Review-Document Uploaded. Attached borr's signed intent to proceed - Seller-01/09/2026 <br>Ready for Review-Document Uploaded. - Seller-01/08/2026<br>| Resolved-Received confirmation of application date.<br> - Due Diligence Vendor-01/15/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of 773 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 18.25% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 18.25% 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 - 25.62 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.62 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 75.98% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Original CLTV Of 75.98% Is Below the Guideline Maximum Of 90% 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 - 25.61 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.61 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 283093 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 946207 |  | D A | Closed | FCRE9549 | 2026-01-07 13:33 | 2026-01-18 08:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Credit Report Supplement is missing | Resolved-Final CD reflects annual HOI & Taxes was provided. - Due Diligence Vendor-01/18/2026 <br> Ready for Review-Document Uploaded. - Seller-01/16/2026 <br> Counter-The CD provided is for property of xxx - The Condition is asking for Proof of PITIA for xxx. First Payment Letter states Not escrowed Provide Tax, HOI and HOA statement for this property to confirm total PITIA - Due Diligence Vendor-01/16/2026 <br> Ready for Review-Document Uploaded. - Seller-01/15/2026 <br> Counter-Document Uploaded. Frist payment letter and Final CD reflects not escrowed - Proof of PITIA as web search does reflect that this property has HOA fees. - Due Diligence Vendor-01/12/2026 <br> Ready for Review-Document Uploaded. - Seller-01/11/2026 <br> Counter-Is the Loan for xxx, not closed yet? Need First payment Letter, Final CD, Proof of PITIA as web search does reflect that this property has HOA fees. - Due Diligence Vendor-01/11/2026 <br> Ready for Review-Document Uploaded. - Seller-01/09/2026 <br> Open-Missing proof of the updated PITI payment for REO 7420 Newham Ln, reflecting $xxx PITI plus $xxx HOA ($xxx), compared to the previously reported $xxx. - Due Diligence Vendor-01/07/2026 | Ready for Review-Document Uploaded. - Seller-01/16/2026 <br>Ready for Review-Document Uploaded. - Seller-01/15/2026 <br>Ready for Review-Document Uploaded. - Seller-01/11/2026 <br>Ready for Review-Document Uploaded. - Seller-01/09/2026<br>| Resolved-Final CD reflects annual HOI & Taxes was provided. - Due Diligence Vendor-01/18/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29.58 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 - 10.98 Years |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 946207 |  | D A | Closed | FCRE1193 | 2026-01-07 13:36 | 2026-01-16 14:19 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Updated 1008 reflecting Audited DTI provided - Due Diligence Vendor-01/16/2026 <br> Ready for Review-Document Uploaded. - Seller-01/15/2026 <br> Counter-Apologies for the confusion, Audited DTI is 45.83% vs Lenders of 32.065% due to to the Primary Housing monthly payment from Lenders 1008 = $xxx vs Audited $xxx (pages xxx) and for REO xxx, an increase in the negative monthly housing payment from $xxx to $xxx due to a missing $xxx HOA, with the 1st mortgage payment of $xxx reflected on the Final 1003. - Due Diligence Vendor-01/11/2026 <br> Ready for Review-Document Uploaded. - Seller-01/09/2026 <br> Open-DTI variance is due to audited updates, including an increase to the Primary Housing monthly payment from $xxx to $xxx (pages xxx) and, for REO xxx, an increase in the negative monthly housing payment from $xxx to $xxx due to a missing $xxx HOA, with the 1st mortgage payment of $xxx reflected on the Final 1003 (page xxx). - Due Diligence Vendor-01/07/2026 | Ready for Review-Document Uploaded. - Seller-01/15/2026 <br>Ready for Review-Document Uploaded. - Seller-01/09/2026<br>| Resolved-Updated 1008 reflecting Audited DTI provided - Due Diligence Vendor-01/16/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29.58 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 - 10.98 Years |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 946207 |  | D A | Closed | FCRE1166 | 2026-01-07 13:34 | 2026-01-12 12:42 | Resolved | 1 - Information A | Credit | Insurance | Hazard Insurance Coverage is less than all Subject Lien(s) | Resolved-RCE provided - Due Diligence Vendor-01/12/2026 <br> Ready for Review-Document Uploaded. - Seller-01/11/2026 <br> Open-Missing RCE to support total HOI dwelling coverage of $xxx, while the combined lien exposure totals $xxx (1st mortgage balance $xxx plus 2nd mortgage/subject loan amount $xxx), per GL 2.15.1 Coverage Requirements. Documentation on pages xxx does not identify the subject property HOI policy to confirm adequate dwelling coverage; the HOI policy reflects $xxx + $xxx = $xxx in dwelling coverage (pages xxx). - Due Diligence Vendor-01/07/2026 | Ready for Review-Document Uploaded. - Seller-01/11/2026<br>| Resolved-RCE provided - Due Diligence Vendor-01/12/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29.58 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 - 10.98 Years |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 362457 |  | D A | Closed | FCRE1964 | 2026-01-07 16:56 | 2026-03-11 07:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved- - Due Diligence Vendor-03/11/2026 <br> Ready for Review-Document Uploaded. Please see attached updated CPA letter - Seller-03/10/2026 <br> Open-Per GL 8.5.4, please provide a CPA/CTEC/EA-produced written statement or letter (or, per GL 8.5.3, a CPA letter confirming employment where a license is not required) specifying the actual business expense ratio, including cost of goods sold and all other business expenses, based on the most recent year's filed tax returns, and free of unacceptable disclaimer or exculpatory language. The LOE from xxx contains exculpatory language, does not reference the most recent tax year, does not meet GL requirements, and does not identify xxx as a CPA or include license information to verify qualifications per GL requirements. - Due Diligence Vendor-01/07/2026 | Ready for Review-Document Uploaded. Please see attached updated CPA letter - Seller-03/10/2026<br>|  | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.14% 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 - 25.00 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 - 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 - 5.99 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 74.96% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 47.96 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 444018 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 947077 |  | D A | Closed | FCRE7497 | 2026-01-08 12:25 | 2026-01-16 11:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-HOA document provided. - Due Diligence Vendor-01/16/2026 <br> Ready for Review-Document Uploaded. - Buyer-01/15/2026 <br> Open-Missing HOA statement for xxx - Due Diligence Vendor-01/08/2026 |  | Resolved-HOA document provided. - Due Diligence Vendor-01/16/2026<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 0.16<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.04% 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 Of 16 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 - 8.06 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.16 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 58.45% Is Below the Guideline Maximum Of 70% By Ten Percent (10%) or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 114129 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 172162 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 779598 |  | C B A | Closed | finding-3631 | 2026-01-08 14:10 | 2026-01-21 11:28 | Cured | 2 - Non-Material C B | Compliance | Points & Fees | Reimbursement Amount Validation Test | Cured-\*\*Received cure package - Due Diligence Vendor-01/21/2026 <br> Resolved-\*\*Received cure package - Due Diligence Vendor-01/21/2026 <br> Resolved- - Due Diligence Vendor-01/21/2026 <br> Ready for Review-Document Uploaded. - Seller-01/20/2026 <br> Open-\*\*\*\*\* Finding in relation to \*\*\*\*\* The following charges have been either added or increased: Lender's Title Insurance resulting in a tolerance cure in the amount of $xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-01/08/2026 <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-01/08/2026 <br> Open- - Due Diligence Vendor-01/08/2026 | Ready for Review-Document Uploaded. - Seller-01/20/2026<br>| Cured-\*\*Received cure package - Due Diligence Vendor-01/21/2026 <br>Resolved-\*\*Received cure package - Due Diligence Vendor-01/21/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.43% 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 24.82 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19<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> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 67.04% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 779598 |  | C B A | Closed | finding-3634 | 2026-01-08 14:10 | 2026-01-21 11:27 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Cured-\*\*Received cure package - Due Diligence Vendor-01/21/2026 <br> Resolved-\*\*Received cure package - Due Diligence Vendor-01/21/2026 <br> Resolved- - Due Diligence Vendor-01/21/2026 <br> Ready for Review-Document Uploaded. - Seller-01/20/2026 <br> Open-\*\*\*\*\* The following charges have been either added or increased: Lender's Title Insurance resulting in a tolerance cure in the amount of $xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-01/08/2026 <br> Open- - Due Diligence Vendor-01/08/2026 | Ready for Review-Document Uploaded. - Seller-01/20/2026<br>| Cured-\*\*Received cure package - Due Diligence Vendor-01/21/2026 <br>Resolved-\*\*Received cure package - Due Diligence Vendor-01/21/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.43% 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 24.82 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19<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> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 67.04% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 779598 |  | C B A | Closed | finding-3632 | 2026-01-08 14:10 | 2026-01-21 11:27 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-\*\*Received cure package - Due Diligence Vendor-01/21/2026 <br> Resolved- - Due Diligence Vendor-01/21/2026 <br> Ready for Review-Document Uploaded. - Seller-01/20/2026 <br> Open-\*\*\*\*\* Finding in relation to \*\*\*\*\* The following charges have been either added or increased: Lender's Title Insurance resulting in a tolerance cure in the amount of $xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-01/08/2026 <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-01/08/2026 <br> Open- - Due Diligence Vendor-01/08/2026 | Ready for Review-Document Uploaded. - Seller-01/20/2026<br>| Resolved-\*\*Received cure package - Due Diligence Vendor-01/21/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.43% 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 24.82 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19<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> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 67.04% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 637603 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 168093 |  | D A | Closed | FCRE1335 | 2026-01-08 12:44 | 2026-01-18 08:22 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 IRS Transcripts Missing | Resolved-Borrower 1 IRS Transcripts Resolved - Due Diligence Vendor-01/18/2026 <br> Ready for Review-Document Uploaded. - Seller-01/16/2026 <br> Open-Borrower 1 IRS Transcripts Missing Missing 2023/2024 W2 transcripts for B1 with xxx xxx GL (8.4.1) - Due Diligence Vendor-01/08/2026 | Ready for Review-Document Uploaded. - Seller-01/16/2026<br>| Resolved-Borrower 1 IRS Transcripts Resolved - Due Diligence Vendor-01/18/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 - 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 0.16<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.83 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.81 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 168093 |  | D A | Closed | FCRE5782 | 2026-01-08 13:13 | 2026-01-15 15:22 | 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-01/15/2026 <br> Ready for Review-Document Uploaded. - Seller-01/14/2026 <br> Open-Borrower 1 Gap Credit Report is Missing Gap Credit Report is required as Note date xxx. Credit Report dated xxx must be within 30 days of Note date. If greater than 30 days, gap credit report, soft pull or final report for the undisclosed debt monitoring is to be dated with 15 days of the Note date. File contains 2 credit supplements only. - Due Diligence Vendor-01/08/2026 | Ready for Review-Document Uploaded. - Seller-01/14/2026<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/15/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 - 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 0.16<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.83 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.81 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 168093 |  | D A | Closed | FCRE1201 | 2026-01-08 02:00 | 2026-01-15 15:22 | 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-01/15/2026 <br>Ready for Review-Document Uploaded. - Seller-01/14/2026 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-01/08/2026 | Ready for Review-Document Uploaded. - Seller-01/14/2026<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-01/15/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 - 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 0.16<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.83 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 9.81 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 967784 |  | D A | Closed | FCRE1316 | 2026-01-07 16:05 | 2026-01-15 13:05 | 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-01/15/2026 <br>Ready for Review-Document Uploaded. Please see attached, which was in the loan file. - Buyer-01/14/2026 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-01/07/2026 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-01/15/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 16.84% 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 - 18.19 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.19 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.2 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 621492 |  | D B C A | Closed | FCRE1159 | 2026-01-07 06:52 | 2026-01-20 14:11 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-01/20/2026 <br> Ready for Review-Document Uploaded. Loan funded xxx<br> This policy shows that we are insured from xxx through the closing xxx.<br> See the attached policy from xxx thru xxx. - Seller-01/20/2026 <br> Counter-Missing previous HOI Policy prior to Disbursement date of xxx - Due Diligence Vendor-01/18/2026 <br> Ready for Review-Document Uploaded. Loan closed xxx.<br> Effective new loss payee xxx. - Seller-01/16/2026 <br> Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx. Provide Hazard insurance for Note date xxx. Renewal policy effective date xxx from xxx with no previous policy in file - Due Diligence Vendor-01/07/2026 | Ready for Review-Document Uploaded. Loan funded xxx<br> This policy shows that we are insured from xxx through the closing xxx.<br> See the attached policy from xxx thruxxx. - Seller-01/20/2026 <br> Ready for Review-Document Uploaded. Loan closed xxx.<br> Effective new loss payee xxx. - Seller-01/16/2026 | Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-01/20/2026 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 20.83% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Original LTV Of 20.83% 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 31.45 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 31.45 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 xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of 809 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 621492 |  | D B C A | Closed | FPRO1244 | 2026-01-08 12:54 | 2026-01-15 10:26 | 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-01/15/2026 <br>Ready for Review-Document Uploaded. - Seller-01/14/2026 <br>Open- - Due Diligence Vendor-01/08/2026 | Ready for Review-Document Uploaded. - Seller-01/14/2026<br>| Resolved-Desk review provided. - Due Diligence Vendor-01/15/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 20.83% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Original LTV Of 20.83% 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 31.45 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 31.45 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 xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of 809 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 621492 |  | D B C A | Closed | FCRE1440 | 2026-01-07 07:01 | 2026-01-07 07:01 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Housing History Does Not Meet Guideline Requirements 2nd Lien without Primary Housing History on DSCR (Lives rent Free) - Due Diligence Vendor-01/07/2026 |  | Waived-Housing History Does Not Meet Guideline Requirements 2nd Lien without Primary Housing History on DSCR (Lives rent Free) - Due Diligence Vendor-01/07/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 20.83% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More Original LTV Of 20.83% 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 31.45 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 31.45 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 xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of 809 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | Strong Credit, Excellent DSCR, Good Reserves<br> Borrower has owned subject property since xxx and mortgage has 0X30. Mortgage Stmt for subject in file shows mailed to living<br> rent free address along with credit report supporting the same |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxx |
| 952028 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 308097 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 574615 |  | D A | Closed | FCRE7497 | 2026-01-12 08:47 | 2026-01-14 12:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Web Search provided no HOA - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Document Uploaded. See attached xxx printouts for both properties indicating that there is no HOA on these properties. - Seller-01/13/2026 <br> Open-Missing HOA/other for property xxx; client used $xxx for xxx and $xxx forxxx as other in rental income calculation. - Due Diligence Vendor-01/12/2026 | Ready for Review-Document Uploaded. See attached xxx printouts for both properties indicating that there is no HOA on these properties. - Seller-01/13/2026 | Resolved-Web Search provided no HOA - Due Diligence Vendor-01/14/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 26.00 Years Borrower At Current Residence For Five (5) Or More Years - 26.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.56% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 33.56% 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 xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of 791 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 - 27.01 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 27.01 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 - 27 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 27 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.89 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 35.89 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 574615 |  | D A | Closed | FCRE1161 | 2026-01-10 06:43 | 2026-01-14 12:00 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-01/14/2026 <br>Ready for Review-Document Uploaded. - Seller-01/13/2026 <br>Open-Missing Flood Certificate Subject Property Flood Certificate is Missing - Due Diligence Vendor-01/10/2026 | Ready for Review-Document Uploaded. - Seller-01/13/2026<br>| Resolved-Flood Certificate is fully present - Due Diligence Vendor-01/14/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 26.00 Years Borrower At Current Residence For Five (5) Or More Years - 26.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.56% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 33.56% 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 xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of 791 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 - 27.01 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 27.01 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 - 27 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 27 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.89 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 35.89 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 690352 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 208112 |  | C A | Closed | FVAL2477 | 2026-01-12 09:37 | 2026-01-14 09:05 | Resolved | 1 - Information C A | Property | Appraisal | Appraisal incomplete (missing map, layout, pages, etc.) | Resolved-Full appraisal provided - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Document Uploaded. - Seller-01/13/2026 <br> Open-Pages appear to be cutoff at the bottom and 1007 is cutoff at bottom. - Due Diligence Vendor-01/12/2026 | Ready for Review-Document Uploaded. - Seller-01/13/2026<br>| Resolved-Full appraisal provided - Due Diligence Vendor-01/14/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 37.8 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 37.8 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 xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of 763 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 635945 |  | D B A | Closed | FCRE1200 | 2026-01-10 01:50 | 2026-01-15 12:58 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Exception granted with supporting comp factors: Min - xxx Subject - xxx - Due Diligence Vendor-01/15/2026 <br> Ready for Review-Document Uploaded. - Buyer-01/14/2026 <br> Open-Audited Loan Amount of xxx is less than the Guideline Minimum Loan Amount of xxx Per GL Min Loan Amount Showing $xxx. for Product xxx. No Credit Exception documents located in loan file. <br> - Due Diligence Vendor-01/10/2026 |  | Waived-Exception granted with supporting comp factors: Min - xxx Subject - xxx - Due Diligence Vendor-01/15/2026 | 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 - 12.72 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 - 30.00 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> 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 40.78% 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 Original LTV Of 9.97% 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 Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | DTI - Max - 50% Bwr - 39.89%<br> Mortgage - Numerous accounts with history dating back to xxx. No lates reported. | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx |
| 635945 |  | D B A | Closed | FCRE2109 | 2026-01-10 13:41 | 2026-01-15 12:57 | 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. - Buyer-01/15/2026 <br>Open-Missing Lender Worksheet or Bank Statement Summary Upload legible Lender's worksheet. Values are not clearly legible. - Due Diligence Vendor-01/10/2026 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-01/15/2026<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 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.72 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 - 30.00 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> 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 40.78% 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 Original LTV Of 9.97% 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 Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 621023 |  | D A | Closed | FCRE1316 | 2026-01-10 05:27 | 2026-01-15 11:38 | 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-01/15/2026 <br>Ready for Review-Rebut-the CPA letter is dated within 30 days of the note date-meets the requirement for the VVOE for our self-employed borrowers.<br> - Buyer-01/14/2026 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-01/10/2026 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-01/15/2026<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 - 9.75 Years<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 30.05% 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 0.13<br> Borrower 1 Has Stable Job Time 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 - 6.98 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 18.78 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 Is Below the Guideline Maximum Original CLTV Of 66.47% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 707198 |  | D B A | Closed | FPRO1244 | 2026-01-13 17:27 | 2026-01-16 08:14 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-PDI provided - Due Diligence Vendor-01/16/2026 <br> Ready for Review-Document Uploaded. Please see attached. Thanks! - Buyer-01/15/2026 <br> Counter-Apologies for the confusion, Per Guidelines: Primary/ 2nd Home/ Investment Property Loan amounts < $xxx - AVM with a 90% Confidence Factor and a Property Condition Inspection - Missing the PDI from the loan file - Due Diligence Vendor-01/15/2026 <br> Ready for Review-Rebut - this is a xxx. Not required. - Buyer-01/14/2026 <br> Open- - Due Diligence Vendor-01/13/2026 |  | Resolved-PDI provided - Due Diligence Vendor-01/16/2026<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 35.04 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 is Below the Guideline Maximum By Ten Percent (10%) or More Original CLTV Of 79.82% 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 30.22% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less 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 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.18 Years |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 707198 |  | D B A | Closed | FPRO7466 | 2026-01-15 09:39 | 2026-01-15 09:40 | Waived | 2 - Non-Material C B | Property | Third Party Valuation | AVM Value(s) Do Not Adhere To Tolerance Criteria | Waived-Exception granted with supporting comp factors: AVM CONFIDENCE SCORE 89% MAX 90% - Due Diligence Vendor-01/15/2026 <br>Open- - Due Diligence Vendor-01/15/2026 |  | Waived-Exception granted with supporting comp factors: AVM CONFIDENCE SCORE 89% MAX 90% - Due Diligence Vendor-01/15/2026 | 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 35.04 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 is Below the Guideline Maximum By Ten Percent (10%) or More Original CLTV Of 79.82% 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 30.22% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less 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 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.18 Years | 775 fico<br> Low DTI < 35%. S/E business owner 6+ years.<br> Open/active mtgs since xxx with no lates. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx |
| 837680 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 488186 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 586898 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 601725 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 609257 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 866013 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 880251 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 986161 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 474879 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 845038 |  | D A | Closed | FCOM1544 | 2026-01-14 00:21 | 2026-01-14 16:00 | Resolved | 1 - Information D A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided \*\*Received Final CD - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Document Uploaded. - Seller-01/14/2026 <br> Open-TRID: Missing Final Closing Disclosure Missing executed Final Closing Dislosure - Due Diligence Vendor-01/14/2026 | Ready for Review-Document Uploaded. - Seller-01/14/2026<br>| Resolved-TRID: Final Closing Disclosure Provided \*\*Received Final CD - Due Diligence Vendor-01/14/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 17.25 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 39.1% 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 - Validated Qualifying FICO Of xxx 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 - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.75 Years<br> 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 - 18.74 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Validated Original CLTV Of 43.97% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 816016 |  | C A | Closed | FCOM3666 | 2026-01-12 16:13 | 2026-01-14 12:04 | Resolved | 1 - Information C A | Compliance | NMLS | Loan Originator NMLS Status is Not Active | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Document Uploaded. Renewed through xxx Active as of xxx - Seller-01/14/2026 <br> Open-Loan Originator NMLS Status is Not Active license expired - Due Diligence Vendor-01/12/2026 | Ready for Review-Document Uploaded. Renewed through xxx Active as of xxx - Seller-01/14/2026 | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-01/14/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.51% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 36.51% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 779 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 21.78 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 21.78 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 77.61% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Original CLTV Of 77.61% 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 - 7.17 Years Borrower At Current Residence For Five (5) Or More Years - 7.17 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 0.07 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.81 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.81 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 - 19.33 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.33 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 800465 |  | C A | Closed | finding-47 | 2026-01-12 10:49 | 2026-01-14 11:42 | 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-01/14/2026 <br> Resolved- - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Document Uploaded. - Seller-01/13/2026 <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. The Final CD shows a funding date of xxx - 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-01/12/2026 <br> Open- - Due Diligence Vendor-01/12/2026 <br> Open- - Due Diligence Vendor-01/12/2026 <br> Open- - Due Diligence Vendor-01/12/2026 | Ready for Review-Document Uploaded. - Seller-01/13/2026<br>| Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-01/14/2026<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 Qualifying FICO Of xxx 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 40.47 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 40.47 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 41.87% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Original CLTV Of 41.87% 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 - 11.67 Years Borrower At Current Residence For Five (5) Or More Years - 11.67 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.23% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 38.23% 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 - 16.22 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.22 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 - 16.21 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.21 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 262812 |  | D A | Closed | FCRE1316 | 2026-01-13 11:45 | 2026-01-14 14:57 | 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-01/14/2026 <br> Ready for Review-Document Uploaded. - Seller-01/14/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing VOE for current employer xxx - Due Diligence Vendor-01/13/2026 | Ready for Review-Document Uploaded. - Seller-01/14/2026<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-01/14/2026<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 - 40.00 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 40.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.9 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 18.9 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 59.78% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Original CLTV Of 59.78% 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 0.07 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 200656 |  | D A | Closed | FCRE1815 | 2026-01-13 10:32 | 2026-01-14 16:06 | 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-01/14/2026 <br>Ready for Review-Document Uploaded. - Seller-01/14/2026 <br>Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Missing Operating Agreement or equivalent. (BWR is a sole member) - Due Diligence Vendor-01/13/2026 | Ready for Review-Document Uploaded. - Seller-01/14/2026<br>| Resolved-Entity documents provided - Due Diligence Vendor-01/14/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.4 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 31.4 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 60.06% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Original CLTV Of 60.06% 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 xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of 746 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 515373 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 908207 |  | D A | Closed | FCOM1511 | 2026-01-14 10:37 | 2026-01-15 07:53 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | Closing/Settlement Disclosure Missing | Resolved-Stamped CTC from Title Company on Final HUD/SS provided - Due Diligence Vendor-01/15/2026 <br>Ready for Review-Document Uploaded. see attached. - Buyer-01/14/2026 <br>Open-. Provide final settlement statement for the subject property. At the time of review copies provided were estimated and one marked final however it was not signed and/or certified by the closing agent as required. - Due Diligence Vendor-01/14/2026 |  | Resolved-Stamped CTC from Title Company on Final HUD/SS provided - Due Diligence Vendor-01/15/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 60.33 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 45.14% 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 - 7.00 Years |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 838198 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 924753 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 337862 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 744004 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 808230 |  | C A | Closed | finding-47 | 2026-01-13 03:47 | 2026-01-14 15:18 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD - Due Diligence Vendor-01/14/2026 <br> Resolved- - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Document Uploaded. see attached. - Buyer-01/14/2026 <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 xxx - 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-01/14/2026 <br> Open- - Due Diligence Vendor-01/13/2026 <br> Open- - Due Diligence Vendor-01/13/2026 <br> Open- - Due Diligence Vendor-01/13/2026 |  | Resolved-Received PCCD - Due Diligence Vendor-01/14/2026<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 - 11.60 Years<br> 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 - 11.60 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 24.99 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 - Validated Calculated DTI Of 10.1% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated 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 - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 796954 |  | D A | Closed | FCRE1764 | 2026-01-15 07:17 | 2026-01-22 08:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved-Mortgage statement (escrowed) provided - Due Diligence Vendor-01/22/2026 <br> Ready for Review-Document Uploaded. Please see attached. A little aged, but no issue. Mortgage is reflected on the credit report and is current. - Buyer-01/21/2026 <br> Open-Mortgage statement missing for the REO xxx. <br> - Due Diligence Vendor-01/15/2026 |  | Resolved-Mortgage statement (escrowed) provided - Due Diligence Vendor-01/22/2026<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 - 18.00 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 - 17.41 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 54.37% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22% 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 10.88 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 607942 |  | C B A | Closed | FCRE1437 | 2026-01-22 08:59 | 2026-01-22 09:00 | Waived | 2 - Non-Material C B | Credit | Income | Income and Employment Do Not Meet Guidelines | Waived-Exception granted with supporting comp factors: Missing xxx and parts of xxx business bank statements - Due Diligence Vendor-01/22/2026 <br> Open-Income and Employment Do Not Meet Guidelines - Due Diligence Vendor-01/22/2026 |  | Waived-Exception granted with supporting comp factors: Missing xxx and parts of xxx business bank statements - Due Diligence Vendor-01/22/2026 | 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 - 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 64.42 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 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 35.99 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 - 35.99 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 xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 44.05% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | LTV Max - 90% Subject - 83% <br> Credit: History, including multiple mortgages, dating back to xxx. No lates reported on entire report. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx |
| 607942 |  | C B A | Closed | FCRE5778 | 2026-01-14 06:27 | 2026-01-22 08:56 | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower 1 Credit Report is Expired | Waived-Exception granted with supporting comp factors: Exception needed for credit report expired by 3 days - Due Diligence Vendor-01/22/2026 <br> Ready for Review-Document Uploaded. An exception had been made, and the approval was in the file. A copy of the approval is attached. - Buyer-01/21/2026 <br> Open-Borrower 1 Credit Report is Expired (Greater than 120 days from the Closing Date). Credit report dated xxx was expired at the time of closing and no new credit report was provided. There were 123 days from report to Note date. - Due Diligence Vendor-01/14/2026 |  | Waived-Exception granted with supporting comp factors: Exception needed for credit report expired by 3 days - Due Diligence Vendor-01/22/2026<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 - 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 64.42 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 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 35.99 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 - 35.99 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 xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 44.05% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | LTV Max - 90% Subject - 83% <br> Credit - History, including multiple mortgages, dating back to xxx. No lates reported on entire report. | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx |
| 982124 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 840427 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno |  |  |  |
| 858651 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 904355 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 541279 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 504727 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |  |
| 966395 |  | C B A | Closed | finding-3635 | 2026-01-14 17:54 | 2026-01-30 09:18 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Cured-Received cure package - Due Diligence Vendor-01/30/2026 <br> Resolved- - Due Diligence Vendor-01/30/2026 <br> Ready for Review-Document Uploaded. - Seller-01/29/2026 <br> Open-\*\*\*The recording and creditor list charges disclosed to the borrower in the Initial Loan Estimate, establishing a 10% baseline of $xxx. Final charges to borrower $xxx. There is no correlating event evident (Loan Amount, etc) to ratify the increase is valid change of circumstance pursuant to § 1026.19(e)(3)(iv). .10% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-01/17/2026 <br> Open- - Due Diligence Vendor-01/16/2026 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($xxx) exceed the comparable charges ($xxx) 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-01/14/2026 <br> Open- - Due Diligence Vendor-01/16/2026 <br> Open- - Due Diligence Vendor-01/14/2026 | Ready for Review-Document Uploaded. - Seller-01/29/2026<br>| Cured-Received cure package - Due Diligence Vendor-01/30/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Qualifying FICO Of xxx 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 31.02% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 31.02% 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 - 5.33 Years Borrower At Current Residence For Five (5) Or More Years - 5.33 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 50.76 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 50.76 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxx |
| 966395 |  | C B A | Closed | finding-3632 | 2026-01-14 17:54 | 2026-01-30 09:18 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-\*\*Received cure package - Due Diligence Vendor-01/30/2026 <br> Resolved- - Due Diligence Vendor-01/30/2026 <br> Ready for Review-Document Uploaded. - Seller-01/29/2026 <br> Open-\*\*\*The recording and creditor list charges disclosed to the borrower in the Initial Loan Estimate, establishing a 10% baseline of $xxx. Final charges to borrower $xxx. There is no correlating event evident (Loan Amount, etc) to ratify the increase is valid change of circumstance pursuant to § 1026.19(e)(3)(iv). .10% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-01/17/2026 <br> Open- - Due Diligence Vendor-01/16/2026 <br> Open- - Due Diligence Vendor-01/16/2026 <br> Open-\*\*\*\*The recording and creditor list charges disclosed to the borrower in the Initial Loan Estimate, establishing a 10% baseline of $___xxx____. Final charges to borrower (PCCD) $___xxx____. 10% tolerance cure in the amount of $____xxx____ is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-01/14/2026 <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-01/14/2026 <br> Open- - Due Diligence Vendor-01/14/2026 | Ready for Review-Document Uploaded. - Seller-01/29/2026<br>| Resolved-\*\*Received cure package - Due Diligence Vendor-01/30/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Qualifying FICO Of xxx 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 31.02% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 31.02% 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 - 5.33 Years Borrower At Current Residence For Five (5) Or More Years - 5.33 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 50.76 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 50.76 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxx |
| 966395 |  | C B A | Closed | finding-3631 | 2026-01-14 17:54 | 2026-01-30 09:17 | Cured | 2 - Non-Material C B | Compliance | Points & Fees | Reimbursement Amount Validation Test | Cured-\*\*Received cure package - Due Diligence Vendor-01/30/2026 <br> Resolved- - Due Diligence Vendor-01/30/2026 <br> Ready for Review-Document Uploaded. - Seller-01/29/2026 <br> Open-\*\*\*The recording and creditor list charges disclosed to the borrower in the Initial Loan Estimate, establishing a 10% baseline of $xxx. Final charges to borrower $xxx. There is no correlating event evident (Loan Amount, etc) to ratify the increase is valid change of circumstance pursuant to § 1026.19(e)(3)(iv). .10% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-01/17/2026 <br> Open- - Due Diligence Vendor-01/16/2026 <br> Open- - Due Diligence Vendor-01/16/2026 <br> Open-\*\*\*\*The recording and creditor list charges disclosed to the borrower in the Initial Loan Estimate, establishing a 10% baseline of $___xxx____. Final charges to borrower (PCCD) $___xxx____. 10% tolerance cure in the amount of $____xxx____ is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-01/14/2026 <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-01/14/2026 <br> Open- - Due Diligence Vendor-01/14/2026 | Ready for Review-Document Uploaded. - Seller-01/29/2026<br>| Cured-\*\*Received cure package - Due Diligence Vendor-01/30/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points Qualifying FICO Of xxx 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 31.02% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 31.02% 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 - 5.33 Years Borrower At Current Residence For Five (5) Or More Years - 5.33 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 50.76 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 50.76 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxx |
| 602830 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 308673 |  | D A | Closed | FCRE5782 | 2026-01-14 08:38 | 2026-01-30 12:58 | 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. - Seller-01/30/2026 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-01/14/2026 | Ready for Review-Document Uploaded. - Seller-01/30/2026<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/30/2026<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 0 By Six (6) Or More Months<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.03 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 - 27.78 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 - 27.79 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 - 13.00 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 70.09% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 308673 |  | D A | Closed | FCRE5783 | 2026-01-14 08:38 | 2026-01-30 12:58 | 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. - Seller-01/30/2026 <br> Open-Borrower 2 Gap Credit Report is Missing Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-01/14/2026 | Ready for Review-Document Uploaded. - Seller-01/30/2026<br>| Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-01/30/2026<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 0 By Six (6) Or More Months<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.03 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 - 27.78 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 - 27.79 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 729 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.00 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 70.09% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 308673 |  | D A | Closed | FCRE1193 | 2026-01-16 08:29 | 2026-01-23 07:34 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 49.68% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-01/23/2026 <br> Ready for Review-Document Uploaded. I have updated 1008 and encompass dti is under 50% (no debt was paid off) <br> We had various duplicate accounts and auto less than 10 mos <br> I noted my 1008 and also included some ot base on the wvoe we have in file for both borrowers <br>Attached 1008 with income worksheets including ot and wvoe we have already in file <br>The borrowers have been with xxx each for 24+years <br>xxx<br> xxx - Seller-01/21/2026 <br> Open-Audited DTI of 60.53% exceeds Guideline DTI of 50% Lender did not calculate 1st mtg P&I correctly. see mtg statement pg xxx. only use principal pmt $xxx vs P&I pmt $xxx causing DTI to exceed guidelines. - Due Diligence Vendor-01/16/2026 | Ready for Review-Document Uploaded. I have updated 1008 and encompass dti is under 50% (no debt was paid off) <br> We had various duplicate accounts and auto less than 10 mos <br> I noted my 1008 and also included some ot base on the wvoe we have in file for both borrowers <br>Attached 1008 with income worksheets including ot and wvoe we have already in file <br>The borrowers have been with xxx each for 24+years <br>xxx<br> xxx - Seller-01/21/2026 | Resolved-Audited DTI of 49.68% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-01/23/2026<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 0 By Six (6) Or More Months<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.03 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 - 27.78 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 - 27.79 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 - 13.00 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 70.09% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 911283 |  | D A | Closed | FCRE5782 | 2026-01-14 06:09 | 2026-01-26 14:39 | 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-01/26/2026 <br>Ready for Review-Document Uploaded. - Seller-01/26/2026 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-01/14/2026 | Ready for Review-Document Uploaded. - Seller-01/26/2026<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/26/2026<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 53.3% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.13 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 - 25.17 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 23.45 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.08% 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 - 12.58 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 315356 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 399686 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 808497 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 453390 |  | D A C | Closed | FCOM4227 | 2026-01-17 06:39 | 2026-01-21 17:31 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-xxx ICD and xxx RCD received, data entered, no additional compliance findings. - Due Diligence Vendor-01/21/2026 <br> Ready for Review-Document Uploaded. CDs LEs and Sign History - Seller-01/20/2026 <br> Open-\*\*\*\*\*\*Documentation provided does not contain the Initial Closing Disclosure 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-01/17/2026 | Ready for Review-Document Uploaded. CDs LEs and Sign History - Seller-01/20/2026<br>| Resolved-xxx ICD and xxx RCD received, data entered, no additional compliance findings. - Due Diligence Vendor-01/21/2026 | 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 - 12.03 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 23.24% 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 xxx 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 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.00 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 36.55 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 453390 |  | D A C | Closed | FCRE5782 | 2026-01-16 15:21 | 2026-01-20 12:28 | 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-01/20/2026 <br> Ready for Review-Document Uploaded. Gap Credit - Seller-01/20/2026 <br> Open-Borrower 1 Gap Credit Report is Missing - Please provide the Gap Credit Report that was relied upon dated within 30 days of the Note date. Only have the initial Credit Report dated xxx which is greater than 30 days to Note date xxx. - Due Diligence Vendor-01/16/2026 | Ready for Review-Document Uploaded. Gap Credit - Seller-01/20/2026<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/20/2026<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 - 12.03 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 23.24% 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 xxx 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 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.00 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 36.55 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 453390 |  | D A C | Closed | FCRE1201 | 2026-01-16 13:18 | 2026-01-20 12:27 | 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-01/20/2026 <br>Ready for Review-Document Uploaded. Fraud Report - Seller-01/20/2026 <br>Open-Missing Third Party Fraud Report Please provide the Third Party Fraud Report used in the qualification of the borrower/loan requested. - Due Diligence Vendor-01/16/2026 | Ready for Review-Document Uploaded. Fraud Report - Seller-01/20/2026<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-01/20/2026<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 - 12.03 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 23.24% 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 xxx 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 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.00 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 36.55 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 453390 |  | D A C | Closed | FCRE1468 | 2026-01-17 09:18 | 2026-01-20 12:27 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 2 Missing | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-01/20/2026 <br> Ready for Review-Document Uploaded. WealthWise - Seller-01/20/2026 <br> Open-xxx statement missing showing the $xxx used in the loan underwriting. - Due Diligence Vendor-01/17/2026 | Ready for Review-Document Uploaded. xxx - Seller-01/20/2026 | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-01/20/2026<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 - 12.03 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 23.24% 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 xxx 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 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 19.00 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 36.55 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 540535 |  | C A | Closed | finding-47 | 2026-01-15 22:04 | 2026-01-23 08:54 | 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-01/23/2026 <br> Ready for Review-Document Uploaded. - Seller-01/21/2026 <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-01/16/2026 <br> Open- - Due Diligence Vendor-01/16/2026 <br> Open- - Due Diligence Vendor-01/16/2026 <br> Open- - Due Diligence Vendor-01/16/2026 <br> Open- - Due Diligence Vendor-01/16/2026 | Ready for Review-Document Uploaded. - Seller-01/21/2026<br>| Resolved-PCCD received, data entered, no additional compliance findings. - Due Diligence Vendor-01/23/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.2 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 25.2 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 - 25.25 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 - 25.25 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.25 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 19.79% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 19.79% 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 - 22.00 Years Borrower At Current Residence For Five (5) Or More Years - 22.00 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 354335 |  | D A | Closed | FCRE1344 | 2026-01-17 09:07 | 2026-01-23 13:56 | Resolved | 1 - Information C A | Credit | Income | Borrower 1 Business Bank Statements Less Than 12 Months Provided | Resolved-xxx Business Bank statement provided. - Due Diligence Vendor-01/23/2026 <br> Ready for Review-Document Uploaded. - Seller-01/23/2026 <br> Open-BUSINESS BANK STATEMENT FOR xxx FOR xxx IS MISSING - Due Diligence Vendor-01/17/2026 | Ready for Review-Document Uploaded. - Seller-01/23/2026<br>| Resolved-xxx Business Bank statement provided. - Due Diligence Vendor-01/23/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.12% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.47 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.12 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 354335 |  | D A | Closed | FCRE5782 | 2026-01-17 08:43 | 2026-01-21 14:02 | 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-01/21/2026 <br>Ready for Review-Document Uploaded. - Seller-01/21/2026 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-01/17/2026 | Ready for Review-Document Uploaded. - Seller-01/21/2026<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/21/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.12% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.47 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.12 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 354335 |  | D A | Closed | FCOM1208 | 2026-01-16 19:29 | 2026-01-20 07:59 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Note is Incomplete | Resolved-The Note is Present - Due Diligence Vendor-01/20/2026 <br>Ready for Review-Document Uploaded. - Seller-01/19/2026 <br>Open-The Note is Incomplete Note Document 2nd page is missing - Due Diligence Vendor-01/17/2026 | Ready for Review-Document Uploaded. - Seller-01/19/2026<br>| Resolved-The Note is Present - Due Diligence Vendor-01/20/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.12% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.47 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.12 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 237572 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 636493 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 821276 |  | D A C | Closed | finding-3625 | 2026-01-17 11:11 | 2026-01-21 13:14 | 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 corrected PCCD and supporting documentation - Due Diligence Vendor-01/21/2026 <br>Ready for Review-Document Uploaded. - Seller-01/21/2026 <br>Open- - Due Diligence Vendor-01/17/2026 <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. \*\*Section B has the Appraisal Fee and Credit Report fee paid to the lender. Fees paid to the lender do not typically belong in section B. Lender to confirm fee was a pass-through fee paid to the lender for the benefit of a third party and provide supporting documentation and a corrected PCCD correcting the payee name. - Due Diligence Vendor-01/17/2026 <br>Open- - Due Diligence Vendor-01/17/2026 | Ready for Review-Document Uploaded. - Seller-01/21/2026<br>| Resolved-\*\*\*Received corrected PCCD and supporting documentation - Due Diligence Vendor-01/21/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.66 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 50.25% 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 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 821276 |  | D A C | Closed | FCRE2109 | 2026-01-16 17:56 | 2026-01-20 08:47 | 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-01/20/2026 <br>Ready for Review-Document Uploaded. - Seller-01/19/2026 <br>Open-Missing Lender Worksheet or Bank Statement Summary - Due Diligence Vendor-01/16/2026 | Ready for Review-Document Uploaded. - Seller-01/19/2026<br>| Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-01/20/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.66 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 50.25% 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 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 707577 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 466061 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 451196 |  | D A | Closed | FCRE1173 | 2026-01-17 07:24 | 2026-01-29 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-01/22/2026 <br>Ready for Review-Document Uploaded. - Seller-01/21/2026 <br>Open-Missing HO-6 Master Insurance Policy Provide Master Insurance Policy. - Due Diligence Vendor-01/17/2026 | Ready for Review-Document Uploaded. - Seller-01/21/2026<br>| Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-01/22/2026<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 - 23.50 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.25 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 - 23.51 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 19.98% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 69.87% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 936817 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 875291 |  | C B A | Closed | FCRE6763 | 2026-01-21 12:11 | 2026-02-03 13:20 | Waived | 2 - Non-Material C B | Credit | Income | Income documentation does not meet guidelines | Waived-Exception granted with supporting comp factors: Exception for NSFs/ODs - Due Diligence Vendor-02/03/2026 <br>Ready for Review-Document Uploaded. Please see attached. Commentary was in the file and has been sufficient in the past. Exception approval added. - Buyer-02/02/2026 <br>Open-Borrower has excessive NSFs/ Overdrafts on business bank statements. Exception Is required to proceed and is missing from the loan file. - Due Diligence Vendor-01/21/2026 |  | Waived-Exception granted with supporting comp factors: Exception for NSFs/ODs - Due Diligence Vendor-02/03/2026<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 21.93 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 is Below the Guideline Maximum By Ten Percent (10%) or More Original CLTV Of 57.38% 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 Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 33.61% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | LTV - Max - 85% Subject - 58%<br> DTI - Max - 50% Subj - 27% | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx |
| 875291 |  | C B A | Closed | FPRO7466 | 2026-01-21 12:06 | 2026-01-21 12:08 | Waived | 2 - Non-Material C B | Property | Third Party Valuation | AVM Value(s) Do Not Adhere To Tolerance Criteria | Waived- - Due Diligence Vendor-01/21/2026 <br>Open- - Due Diligence Vendor-01/21/2026 |  |  | 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 21.93 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 is Below the Guideline Maximum By Ten Percent (10%) or More Original CLTV Of 57.38% 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 Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 33.61% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | LTV of 58% with guideline max of 85%<br> DTI of 27% with maximum guideline tolerance of 50% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx |
| 655904 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 991832 |  | D A | Closed | FCOM1220 | 2026-01-17 00:04 | 2026-01-21 08:01 | 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-01/21/2026 <br>Ready for Review-Document Uploaded. see attached. - Buyer-01/20/2026 <br>Open-The Deed of Trust is Missing - Due Diligence Vendor-01/17/2026 |  | Resolved-The Deed of Trust is Present - Due Diligence Vendor-01/21/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.04 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 31.66% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.18 Years |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 991832 |  | D A | Closed | FPRO1244 | 2026-01-19 11:27 | 2026-01-20 11:33 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-PDI provided stating No Potential Risks Noted - Due Diligence Vendor-01/20/2026 <br> Ready for Review-Document Uploaded. Please see attached, which was in the file behind the AVM - Buyer-01/20/2026 <br> Open-Per guidelines Loan amounts of $xxx or less required an AVM plus property condition inspection is required. PCI is missing from the file. - Due Diligence Vendor-01/19/2026 |  | Resolved-PDI provided stating No Potential Risks Noted - Due Diligence Vendor-01/20/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 31.04 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 31.66% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.18 Years |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 380013 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 474829 |  | D A B | Closed | FCOM4227 | 2026-01-16 04:28 | 2026-01-26 08:35 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-\*\*Received missing disclosures. - Due Diligence Vendor-01/26/2026 <br>Ready for Review-Document Uploaded. see attached - Seller-01/23/2026 <br>Counter-\*\*Received Initial CD and Post-Close CD; Still missing executed copy of CD disclosed to the borrower at closing. Lender to provide to complete compliance testing. - Due Diligence Vendor-01/21/2026 <br>Ready for Review-Document Uploaded. see attached ICD. - Buyer-01/20/2026 <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-01/16/2026 | Ready for Review-Document Uploaded. see attached - Seller-01/23/2026<br>| Resolved-\*\*Received missing disclosures. - Due Diligence Vendor-01/26/2026<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 - 10.67 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 706 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 33.63% 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 - 6.33 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 42.9 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 474829 |  | D A B | Closed | FCOM1544 | 2026-01-16 03:10 | 2026-01-26 08:22 | Resolved | 1 - Information D A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided \*\*Received missing disclosures. - Due Diligence Vendor-01/26/2026 <br> Ready for Review-Document Uploaded. see attached - Seller-01/23/2026 <br> Counter-\*\*Received Initial CD and Post-Close CD; Still missing executed copy of CD disclosed to the borrower at closing. Lender to provide to complete compliance testing. - Due Diligence Vendor-01/21/2026 <br> Ready for Review-Document Uploaded. see attached. - Buyer-01/20/2026 <br> Open-TRID: Missing Final Closing Disclosure Borrower(s) executed Final Closing Disclosure, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-01/16/2026 | Ready for Review-Document Uploaded. see attached - Seller-01/23/2026<br>| Resolved-TRID: Final Closing Disclosure Provided \*\*Received missing disclosures. - Due Diligence Vendor-01/26/2026<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 - 10.67 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 33.63% 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 - 6.33 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 42.9 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 474829 |  | D A B | Closed | FCRE2663 | 2026-01-15 11:07 | 2026-01-21 12:20 | Resolved | 1 - Information B A | Credit | Missing Doc | Application Missing | Resolved-xxx search states Property was sold on xxx - Due Diligence Vendor-01/21/2026 <br> Ready for Review-Document Uploaded. see attached sale date - Seller-01/20/2026 <br> Counter-Missing Documentation to support closing of xxx - Due Diligence Vendor-01/20/2026 <br> Ready for Review-according to online searches, didn't close til xxx - Seller-01/20/2026 <br> Open-Lender included an intial 1003 for purchase of an investment REO at xxx. Need clarification if this REO closed before xxx. If it closed before xxx then we need an updated 1003 to include the PITI/Rental for this investment as well as to include any +/- rental income from this REO in the final DTI. - Due Diligence Vendor-01/15/2026 | Ready for Review-Document Uploaded. see attached sale date - Seller-01/20/2026 <br> Ready for Review-according to online searches, didn't close til xxx - Seller-01/20/2026 | Resolved-xxx search states Property was sold on xxx - Due Diligence Vendor-01/21/2026 | 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 - 10.67 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 33.63% 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 - 6.33 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 42.9 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 306311 |  | C A | Closed | finding-3532 | 2026-01-21 08:10 | 2026-01-22 11:48 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-\*\*\*Received initial and revised CDs. - Due Diligence Vendor-01/22/2026 <br> Resolved- - Due Diligence Vendor-01/22/2026 <br> Ready for Review-Document Uploaded. - Buyer-01/21/2026 <br> Open- - Due Diligence Vendor-01/21/2026 <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:"xxx First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except xxx 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 xxx 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-01/21/2026 <br> Open- - Due Diligence Vendor-01/21/2026 |  | Resolved-\*\*\*Received initial and revised CDs. - Due Diligence Vendor-01/22/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.59 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 0.16<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 42.8 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 26.02 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 - 10.59 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 306311 |  | C A | Closed | finding-3652 | 2026-01-21 08:10 | 2026-01-22 11:48 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-\*\*\*Received initial and revised CDs. - Due Diligence Vendor-01/22/2026 <br> Resolved- - Due Diligence Vendor-01/22/2026 <br> Ready for Review-Document Uploaded. see attached. - Seller-01/21/2026 <br> Open- - Due Diligence Vendor-01/21/2026 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($xxx) does not exceed or equal the comparable sum of specific and non-specific lender credits ($xxx). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). \*\*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-01/21/2026 <br> Open- - Due Diligence Vendor-01/21/2026 | Ready for Review-Document Uploaded. see attached. - Seller-01/21/2026<br>| Resolved-\*\*\*Received initial and revised CDs. - Due Diligence Vendor-01/22/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.59 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 0.16<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 42.8 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 26.02 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 - 10.59 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 967635 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 597090 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 496248 |  | D A | Closed | FCOM1544 | 2026-01-16 14:32 | 2026-01-26 09:18 | Resolved | 1 - Information D A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-Final HUD/SS/ALT provided - Due Diligence Vendor-01/26/2026 <br>Ready for Review-Document Uploaded. see attached - Buyer-01/23/2026 <br>Counter-Missing Final HUD/SS/ALTA from the Loan file. - Due Diligence Vendor-01/22/2026 <br>Ready for Review-This is a DSCR loan BPL. There are no CD's. - Buyer-01/21/2026 <br>Open-TRID: Missing Final Closing Disclosure Cannot complete any information related to closing disclosure as there is no final cd on file - please provide. - Due Diligence Vendor-01/16/2026 |  | Resolved-Final HUD/SS/ALT provided - Due Diligence Vendor-01/26/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 38.47 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 62.82% 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 xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Exempt | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 638477 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 443690 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 173768 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 996210 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 986442 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 219475 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 526913 |  | D A | Closed | FCRE1316 | 2026-01-20 05:16 | 2026-02-11 10:59 | 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-02/11/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-02/10/2026 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-01/20/2026 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-02/11/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.33% 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 - 13.36 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.6 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 - 13.37 Years | Borrower 1 3rd Party VOE Prior to Close Missing. xxx document is not dated, | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 634429 |  | C A | Closed | finding-3634 | 2026-01-20 14:40 | 2026-01-26 09:27 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-\*\*Received COC - Due Diligence Vendor-01/26/2026 <br> Resolved- - Due Diligence Vendor-01/26/2026 <br> Ready for Review-Document Uploaded. - Seller-01/23/2026 <br> Open-The following charges have been increased: Points - Loan Discount Fee resulting in a 0% tolerance cure in the amount of $xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $xxx s required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-01/22/2026 <br> Open- - Due Diligence Vendor-01/22/2026 <br> Open- - Due Diligence Vendor-01/21/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-01/20/2026 <br> Open- - Due Diligence Vendor-01/20/2026 <br> Open- - Due Diligence Vendor-01/20/2026 <br> Open- - Due Diligence Vendor-01/20/2026 <br> Open- - Due Diligence Vendor-01/20/2026 | Ready for Review-Document Uploaded. - Seller-01/23/2026<br>| Resolved-\*\*Received COC - Due Diligence Vendor-01/26/2026<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 - 5.39 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 - 13.00 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 33.75% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 634429 |  | C A | Closed | finding-3631 | 2026-01-20 14:40 | 2026-01-26 09:27 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-\*\*Received COC - Due Diligence Vendor-01/26/2026 <br> Resolved- - Due Diligence Vendor-01/26/2026 <br> Ready for Review-Document Uploaded. - Seller-01/23/2026 <br> Open-The following charges have been increased: Points - Loan Discount Fee resulting in a 0% tolerance cure in the amount of $xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $xxx s required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-01/22/2026 <br> Open- - Due Diligence Vendor-01/22/2026 <br> Open- - Due Diligence Vendor-01/21/2026 <br> Open- - Due Diligence Vendor-01/20/2026 <br> Open- - Due Diligence Vendor-01/20/2026 <br> Open- - Due Diligence Vendor-01/20/2026 <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-01/20/2026 <br> Open- - Due Diligence Vendor-01/20/2026 | Ready for Review-Document Uploaded. - Seller-01/23/2026<br>| Resolved-\*\*Received COC - Due Diligence Vendor-01/26/2026<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 - 5.39 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 - 13.00 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 33.75% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 634429 |  | C A | Closed | finding-3632 | 2026-01-20 14:40 | 2026-01-26 09:27 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-\*\*Received COC - Due Diligence Vendor-01/26/2026 <br> Resolved- - Due Diligence Vendor-01/26/2026 <br> Ready for Review-Document Uploaded. - Seller-01/23/2026 <br> Open-The following charges have been increased: Points - Loan Discount Fee resulting in a 0% tolerance cure in the amount of $xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $xxx s required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-01/22/2026 <br> Open- - Due Diligence Vendor-01/22/2026 <br> Open- - Due Diligence Vendor-01/21/2026 <br> Open- - Due Diligence Vendor-01/20/2026 <br> Open- - Due Diligence Vendor-01/20/2026 <br> Open- - Due Diligence Vendor-01/20/2026 <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-01/20/2026 <br> Open- - Due Diligence Vendor-01/20/2026 | Ready for Review-Document Uploaded. - Seller-01/23/2026<br>| Resolved-\*\*Received COC - Due Diligence Vendor-01/26/2026<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 - 5.39 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 - 13.00 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 33.75% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 587020 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 209264 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 240306 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 430407 |  | C A | Closed | finding-3634 | 2026-01-20 10:46 | 2026-01-27 08:55 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-Received explanation and supporting documentation - Due Diligence Vendor-01/27/2026 <br> Resolved- - Due Diligence Vendor-01/27/2026 <br> Ready for Review-Document Uploaded. - Seller-01/26/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). \*\*\*A revised Loan Estimate / Closing Disclosure must be provided within 3 business days of receiving information sufficient to establish a changed circumstance. _Appraisal xxx/xxx charge amount was known on xxx but not disclosed to the borrower until _xxx, 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-01/20/2026 <br> Open- - Due Diligence Vendor-01/23/2026 <br> Open- - Due Diligence Vendor-01/23/2026 <br> Open- - Due Diligence Vendor-01/20/2026 | Ready for Review-Document Uploaded. - Seller-01/26/2026<br>| Resolved-Received explanation and supporting documentation - Due Diligence Vendor-01/27/2026<br>| Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 28.84 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 67.72 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 is Greater Than The Guideline Minimum Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum Calculated DTI Of 26.84% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 430407 |  | C A | Closed | finding-3631 | 2026-01-20 10:46 | 2026-01-27 08:55 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Received explanation and supporting documentation - Due Diligence Vendor-01/27/2026 <br> Resolved- - Due Diligence Vendor-01/27/2026 <br> Ready for Review-Document Uploaded. - Seller-01/26/2026 <br> Open- - Due Diligence Vendor-01/23/2026 <br> Open- - Due Diligence Vendor-01/23/2026 <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. \*\*\*A revised Loan Estimate / Closing Disclosure must be provided within 3 business days of receiving information sufficient to establish a changed circumstance. _Appraisal xxx/xxx charge amount was known on xxx but not disclosed to the borrower until _xxx, 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-01/20/2026 <br> Open- - Due Diligence Vendor-01/20/2026 | Ready for Review-Document Uploaded. - Seller-01/26/2026<br>| Resolved-Received explanation and supporting documentation - Due Diligence Vendor-01/27/2026<br>| Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 28.84 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 67.72 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 is Greater Than The Guideline Minimum Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum Calculated DTI Of 26.84% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 430407 |  | C A | Closed | finding-3632 | 2026-01-20 10:46 | 2026-01-27 08:55 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Received explanation and supporting documentation - Due Diligence Vendor-01/27/2026 <br> Resolved- - Due Diligence Vendor-01/27/2026 <br> Ready for Review-Document Uploaded. - Seller-01/26/2026 <br> Open- - Due Diligence Vendor-01/23/2026 <br> Open- - Due Diligence Vendor-01/23/2026 <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. \*\*\*A revised Loan Estimate / Closing Disclosure must be provided within 3 business days of receiving information sufficient to establish a changed circumstance. _Appraisal xxx/xxx charge amount was known on xxx but not disclosed to the borrower until _xxx, 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-01/20/2026 <br> Open- - Due Diligence Vendor-01/20/2026 | Ready for Review-Document Uploaded. - Seller-01/26/2026<br>| Resolved-Received explanation and supporting documentation - Due Diligence Vendor-01/27/2026<br>| Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 28.84 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 67.72 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 is Greater Than The Guideline Minimum Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Is Less Than The Guideline Maximum Calculated DTI Of 26.84% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 868572 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 313197 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 735807 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 916801 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 245711 |  | D A | Closed | FCRE5782 | 2026-01-20 00:26 | 2026-02-13 11:36 | 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-02/13/2026 <br>Ready for Review-Document Uploaded. - Seller-02/12/2026 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-01/20/2026 | Ready for Review-Document Uploaded. - Seller-02/12/2026<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-02/13/2026<br>| Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.94 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.16 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 42.69% 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 55.44% 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 - 10 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 245711 |  | D A | Closed | FCRE5783 | 2026-01-20 00:26 | 2026-02-13 11:36 | 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-02/13/2026 <br>Ready for Review-Document Uploaded. - Seller-02/12/2026 <br>Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-01/20/2026 | Ready for Review-Document Uploaded. - Seller-02/12/2026<br>| Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-02/13/2026<br>| Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.94 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.16 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 42.69% 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 55.44% 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 - 10 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 540847 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 741520 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 765894 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 151096 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 777557 |  | B A | Closed | FCRE1183 | 2026-01-22 22:14 | 2026-01-28 09:57 | 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-01/28/2026 <br> Ready for Review-Document Uploaded. - Seller-01/27/2026 <br> Open-1008/Underwriting Summary Partially Provided Please Provide Updated 1008 information match with Final 1003. 1008 provided does not include loan amount or ratios used in the transaction - Due Diligence Vendor-01/23/2026 | Ready for Review-Document Uploaded. - Seller-01/27/2026<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-01/28/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.65% 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 - 30.06 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 - 30.07 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 27.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.65 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 901312 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 972249 |  | D A C | Closed | FCOM1252 | 2026-01-23 07:58 | 2026-02-06 07:57 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-\*\*Received revised LE and CD - Due Diligence Vendor-02/06/2026 <br> Ready for Review-Document Uploaded. - Seller-02/05/2026 <br> Counter-The Final Discount Point fee is $xxx, an increase from the initial amount disclosed in the initial loan estimate of $xxx. Lock Agreement indicates the rate was locked on xxx but the original file does not contain a revised LE issued within 3 business days of the rate lock date. Additionally, the Disclosure Tracking Details document in the file indicates we are also missing a revised Closing Disclosure. Lender to provide missing revised LE and revised CD to complete compliance testing. - Due Diligence Vendor-01/29/2026 <br> Open-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-01/23/2026 | Ready for Review-Document Uploaded. - Seller-02/05/2026<br>| Resolved-\*\*Received revised LE and CD - Due Diligence Vendor-02/06/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.28% 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 29 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 - 20.00 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 972249 |  | D A C | Closed | FCOM8891 | 2026-01-26 11:04 | 2026-02-06 07:57 | Resolved | 1 - Information C A | Compliance | Closing Package | Other Compliance | Resolved-\*\*Received revised LE and CD - Due Diligence Vendor-02/06/2026 <br> Ready for Review-Document Uploaded. - Seller-02/05/2026 <br> Counter-The Final Discount Point fee is $xxx, an increase from the initial amount disclosed in the initial loan estimate of $xxx. Lock Agreement indicates the rate was locked on xxx but the original file does not contain a revised LE issued within 3 business days of the rate lock date. Additionally, the Disclosure Tracking Details document in the file indicates we are also missing a revised Closing Disclosure. Lender to provide missing revised LE and revised CD to complete compliance testing. - Due Diligence Vendor-01/29/2026 <br> Open-\*\*\*\*\*\* the 13.145 % APR on the xxx Final CD is determined to be a clerical error and does not correspond to an actual APR based on loan terms of 13.050%. However, the disclosed APR on the initial CD did not 'become inaccurate'. .Therefore, an additional 3-day waiting period will not be required. The final CD should have reflected the actual consummation of APR 13.050%. Given that it instead reflected 13.145 %, an over disclosure is cited and can be corrected under 130(b).~~~~~~TILA Section 130(b) Correction – Without Restitution (Re-Disclosure Only) Within 60 days of discovery 1. Letter of Explanation (Other evidence of borrower notification of the error will be considered.) 2. Corrected PCCD or detailed LOE re-disclosing correct information \*Material disclosure exceptions on rescindable transactions require proof of consumer receipt. - Due Diligence Vendor-01/26/2026 | Ready for Review-Document Uploaded. - Seller-02/05/2026<br>| Resolved-\*\*Received revised LE and CD - Due Diligence Vendor-02/06/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.28% 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 29 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 - 20.00 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 972249 |  | D A C | Closed | finding-3939 | 2026-01-23 05:48 | 2026-02-06 07:56 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-\*\*Received revised LE and CD - Due Diligence Vendor-02/06/2026 <br> Resolved- - Due Diligence Vendor-02/06/2026 <br> Ready for Review-Document Uploaded. - Seller-02/05/2026 <br> Counter-The Final Discount Point fee is $xxx, an increase from the initial amount disclosed in the initial loan estimate of $xxx. Lock Agreement indicates the rate was locked on xxx but the original file does not contain a revised LE issued within 3 business days of the rate lock date. Additionally, the Disclosure Tracking Details document in the file indicates we are also missing a revised Closing Disclosure. Lender to provide missing revised LE and revised CD to complete compliance testing. - Due Diligence Vendor-01/29/2026 <br> Open- - Due Diligence Vendor-01/26/2026 <br> Open- - Due Diligence Vendor-01/23/2026 <br> Open- - Due Diligence Vendor-01/23/2026 <br> Open- - Due Diligence Vendor-01/23/2026 <br> Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxx. - Due Diligence Vendor-01/23/2026 <br> Open- - Due Diligence Vendor-01/23/2026 | Ready for Review-Document Uploaded. - Seller-02/05/2026<br>| Resolved-\*\*Received revised LE and CD - Due Diligence Vendor-02/06/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.28% 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 29 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 - 20.00 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 972249 |  | D A C | Closed | finding-3634 | 2026-01-26 10:59 | 2026-02-06 07:56 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-\*\*Received revised LE and CD - Due Diligence Vendor-02/06/2026 <br> Resolved- - Due Diligence Vendor-02/06/2026 <br> Ready for Review-Document Uploaded. - Seller-02/05/2026 <br> Counter-The Final Discount Point fee is $xxx, an increase from the initial amount disclosed in the initial loan estimate of $xxx. Lock Agreement indicates the rate was locked on xxx but the original file does not contain a revised LE issued within 3 business days of the rate lock date. Additionally, the Disclosure Tracking Details document in the file indicates we are also missing a revised Closing Disclosure. Lender to provide missing revised LE and revised CD to complete compliance testing. - Due Diligence Vendor-01/29/2026 <br> Ready for Review-Can you explain how they are coming up the $xxx? <br>The previous disclosure listed xxx, the rate lock points are $xxx<br>- Seller-01/28/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). \*\*\*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 xxx. Rate dependent charge changes subject to 0% tolerance total $xxx. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-01/26/2026 <br> Open- - Due Diligence Vendor-01/26/2026 | Ready for Review-Document Uploaded. - Seller-02/05/2026 <br> Ready for Review-Can you explain how they are coming up the $xxx? <br>The previous disclosure listed xxx, the rate lock points are $xxx<br>- Seller-01/28/2026 | Resolved-\*\*Received revised LE and CD - Due Diligence Vendor-02/06/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.28% 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 29 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 - 20.00 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 972249 |  | D A C | Closed | finding-3631 | 2026-01-26 10:59 | 2026-02-06 07:56 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-\*\*Received revised LE and CD - Due Diligence Vendor-02/06/2026 <br> Resolved- - Due Diligence Vendor-02/06/2026 <br> Ready for Review-Document Uploaded. - Seller-02/05/2026 <br> Counter-The Final Discount Point fee is $xxx, an increase from the initial amount disclosed in the initial loan estimate of $xxx. Lock Agreement indicates the rate was locked on xxx but the original file does not contain a revised LE issued within 3 business days of the rate lock date. Additionally, the Disclosure Tracking Details document in the file indicates we are also missing a revised Closing Disclosure. Lender to provide missing revised LE and revised CD to complete compliance testing. - Due Diligence Vendor-01/29/2026 <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 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 xxx. Rate dependent charge changes subject to 0% tolerance total $xxx. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-01/26/2026 <br> Open- - Due Diligence Vendor-01/26/2026 | Ready for Review-Document Uploaded. - Seller-02/05/2026<br>| Resolved-\*\*Received revised LE and CD - Due Diligence Vendor-02/06/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.28% 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 29 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 - 20.00 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 972249 |  | D A C | Closed | finding-3632 | 2026-01-26 10:59 | 2026-02-06 07:56 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-\*\*Received revised LE and CD - Due Diligence Vendor-02/06/2026 <br> Resolved- - Due Diligence Vendor-02/06/2026 <br> Ready for Review-Document Uploaded. - Seller-02/05/2026 <br> Counter-The Final Discount Point fee is $xxx, an increase from the initial amount disclosed in the initial loan estimate of $xxx. Lock Agreement indicates the rate was locked on xxx but the original file does not contain a revised LE issued within 3 business days of the rate lock date. Additionally, the Disclosure Tracking Details document in the file indicates we are also missing a revised Closing Disclosure. Lender to provide missing revised LE and revised CD to complete compliance testing. - Due Diligence Vendor-01/29/2026 <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 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 xxx. Rate dependent charge changes subject to 0% tolerance total $xxx. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-01/26/2026 <br> Open- - Due Diligence Vendor-01/26/2026 | Ready for Review-Document Uploaded. - Seller-02/05/2026<br>| Resolved-\*\*Received revised LE and CD - Due Diligence Vendor-02/06/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.28% 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 29 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 - 20.00 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 972249 |  | D A C | Closed | FCRE5782 | 2026-01-22 22:19 | 2026-02-03 13:44 | 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. - Seller-02/03/2026 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-01/23/2026 | Ready for Review-Document Uploaded. - Seller-02/03/2026<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-02/03/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.28% 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 29 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 - 20.00 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 972249 |  | D A C | Closed | FCRE5783 | 2026-01-22 22:19 | 2026-02-03 13:44 | 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. - Seller-02/03/2026 <br>Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-01/23/2026 | Ready for Review-Document Uploaded. - Seller-02/03/2026<br>| Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-02/03/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.28% 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 29 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 - 20.00 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 972249 |  | D A C | Closed | FCRE3978 | 2026-01-23 21:12 | 2026-02-03 13:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Letter of Explanation (Credit) missing or unexecuted | Resolved-LOE and payment history provided - Due Diligence Vendor-02/03/2026 <br> Ready for Review-Document Uploaded. - Seller-02/02/2026 <br> Open-B1 & CB1 to provide a LOE for late mortgage payment reported on xxx from xxx - Per GL 6.5 Housing History: Borrowers must have satisfactory mortgage and/or rent payment history in the three (3) years prior to loan application. (Application date xxx to Mtg Late Pmt xxx = 2YRS 3 Months) Additional conditions may apply. - Due Diligence Vendor-01/24/2026 | Ready for Review-Document Uploaded. - Seller-02/02/2026<br>| Resolved-LOE and payment history provided - Due Diligence Vendor-02/03/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.28% 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 29 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 - 20.00 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 520670 |  | D A | Closed | FCRE3653 | 2026-01-23 23:06 | 2026-01-26 13:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Signed Credit inquires provided. - Due Diligence Vendor-01/26/2026 <br>Ready for Review-Document Uploaded. - Seller-01/26/2026 <br>Open-Missing signed letter of explanation from B1 for the credit inquiries in the last 90 days. - Due Diligence Vendor-01/24/2026 | Ready for Review-Document Uploaded. - Seller-01/26/2026<br>| Resolved-Signed Credit inquires provided. - Due Diligence Vendor-01/26/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 43.81% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 677309 |  | C A | Closed | FCRE1193 | 2026-01-23 23:55 | 2026-01-29 10:14 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Updated 1008 with audit DTI provided - Due Diligence Vendor-01/29/2026 <br> Ready for Review-Document Uploaded. - Seller-01/28/2026 <br> Open-DTI Variance (37.84% vs. 41.84%) – First Mtg Payment / Other Lien:<br> The DTI variance is due to the First Mortgage / Other Lien calculation. Audited escrow totals $xxx, comprised of RE Taxes $xxx ÷ 12 = $xxx and HOI $xxx ÷ 12 = $xxx. The first mortgage escrow amount of $xxx less the audited escrow results in an escrow shortage of $xxx, which was added to first mortgage P&I of $xxx, resulting in an Other Lien monthly payment of $xxx.. The variance further reflects use of a first mortgage payment of $xxx versus $xxx, as only the escrow shortage is included since RE Taxes and HOI are already accounted for separately for qualification purposes. - Due Diligence Vendor-01/24/2026 | Ready for Review-Document Uploaded. - Seller-01/28/2026<br>| Resolved-Updated 1008 with audit DTI provided - Due Diligence Vendor-01/29/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 28.05 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 - 28.05 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 75.44% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 53.56 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 37.84% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.58 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxx |
| 491559 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 126041 |  | C A | Closed | FCOM8891 | 2026-01-28 07:09 | 2026-01-29 09:10 | Resolved | 1 - Information C A | Compliance | Closing Package | Other Compliance | Resolved-Received initial package - Due Diligence Vendor-01/29/2026 <br> Ready for Review-Document Uploaded. - Seller-01/28/2026 <br> Open-Initial Disclosures issued within 3 business days of xxx application date, has not been provided. \*\*\*\*\* Please provide entire initial disclosure package for review - Due Diligence Vendor-01/28/2026 | Ready for Review-Document Uploaded. - Seller-01/28/2026<br>| Resolved-Received initial package - Due Diligence Vendor-01/29/2026<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 14.03 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 - 5.84 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 42.46% 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 - 15 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 xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23 |  | xxx | Non-QM: Lender documented all ATR UW factors | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxx |
| 126041 |  | C A | Closed | finding-3367 | 2026-01-22 14:42 | 2026-01-29 09:09 | Resolved | 1 - Information B A | Compliance | Disclosures (Federal, State, and Data Dependent) | RESPA Homeownership Counseling Organizations Disclosure Date Test | Resolved-\*\*Received Initial Package - Due Diligence Vendor-01/29/2026 <br> Resolved- - Due Diligence Vendor-01/29/2026 <br> Ready for Review-Document Uploaded. - Seller-01/28/2026 <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 xxx for lenders to use in complying with the requirements of this section; or(2)Data made available by the xxx or HUD for lenders to use in complying with the requirements of this section, provided that the data is used in accordance with instructions provided with the data.This calculation take into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1024.2(b) and as it relates to §1024.20 (list of homeownership counseling organizations provided not later than 3 business days after a loan originator receives an application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NonePlease note: This test does not validate the content of any list of homeownership counseling organizations. \*\*\*\*\* Please provide entire initial disclosure package for review dated xxx. - Due Diligence Vendor-01/28/2026 <br> Open- - Due Diligence Vendor-01/28/2026 <br> Open- - Due Diligence Vendor-01/22/2026 <br> Open- - Due Diligence Vendor-01/22/2026 <br> Open- - Due Diligence Vendor-01/22/2026 | Ready for Review-Document Uploaded. - Seller-01/28/2026<br>| Resolved-\*\*Received Initial Package - Due Diligence Vendor-01/29/2026<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 14.03 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 - 5.84 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 42.46% 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 - 15 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 xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23 |  | xxx | Non-QM: Lender documented all ATR UW factors | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxx |
| 167434 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 507653 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 956384 |  | C A | Closed | FCRE1193 | 2026-01-26 05:34 | 2026-02-04 08:19 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 44.19% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-02/04/2026 <br> Ready for Review-Document Uploaded. Please see the attached CR.<br>See the attached back up CR showing the xxx balance has decreased. Borrowers have made a payment.<br> Current balance $xxx<br> Payment $xxx = 10.03 mos. - Seller-02/02/2026 <br> Open-Audited DTI of 53.6% exceeds Guideline DTI of 50% DTI variation due to client did not add xxx with a balance of $xxx resulting in a DTI of 53.60%. Client DTI is 44.18%. There are more than 10 payments left (12 months) - Due Diligence Vendor-01/27/2026 | Ready for Review-Document Uploaded. Please see the attached CR.<br>See the attached back up CR showing the xxx balance has decreased. Borrowers have made a payment.<br> Current balance $xxx<br> Payment $xxx = 10.03 mos. - Seller-02/02/2026 | Resolved-Audited DTI of 44.19% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-02/04/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.19% 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 0.1 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29.32 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 29.32 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 - 5.00 Years Borrower At Current Residence For Five (5) Or More Years - 5.00 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 79.88% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Original CLTV Of 79.88% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 956384 |  | C A | Closed | finding-47 | 2026-01-26 07:48 | 2026-01-30 11:25 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-\*\*Received PCCD - Due Diligence Vendor-01/30/2026 <br> Resolved- - Due Diligence Vendor-01/30/2026 <br> Ready for Review-Document Uploaded. - Seller-01/29/2026 <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 xxx - 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-01/28/2026 <br> Open- - Due Diligence Vendor-01/28/2026 <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 | Ready for Review-Document Uploaded. - Seller-01/29/2026<br>| Resolved-\*\*Received PCCD - Due Diligence Vendor-01/30/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.19% 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 0.1 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29.32 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 29.32 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 - 5.00 Years Borrower At Current Residence For Five (5) Or More Years - 5.00 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 79.88% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Original CLTV Of 79.88% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 554632 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 997841 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 234225 |  | D A | Closed | FCRE1316 | 2026-01-26 02:29 | 2026-02-09 11:30 | 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-02/03/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-02/01/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-01/26/2026 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-02/03/2026<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 - 9.29 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<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 61.76 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 - 12.00 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 234225 |  | D A | Closed | FCRE1342 | 2026-01-26 02:29 | 2026-02-09 11:30 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 Business Bank Statements Missing | Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-02/03/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-02/01/2026 <br>Open-Borrower 1 Business Bank Statements Missing - Due Diligence Vendor-01/26/2026 |  | Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-02/03/2026<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 - 9.29 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<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 61.76 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 - 12.00 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 234225 |  | D A | Closed | FCRE1437 | 2026-02-03 12:13 | 2026-02-09 11:30 | Resolved | 1 - Information C A | Credit | Income | Income and Employment Do Not Meet Guidelines | Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-02/09/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-02/08/2026 <br> Open-Income and Employment Do Not Meet Guidelines Missing Business Ownership documents - the Lenders Worksheet states bwr owns 99% however no documentation was provided. - Due Diligence Vendor-02/03/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-02/08/2026<br>| Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-02/09/2026<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 - 9.29 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<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 61.76 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 - 12.00 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 234225 |  | D A | Closed | FCOM1220 | 2026-01-23 11:26 | 2026-01-29 08:49 | 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-01/29/2026 <br> Ready for Review-Document Uploaded. see attached - Seller-01/28/2026 <br> Open-The Deed of Trust is Missing - Due Diligence Vendor-01/23/2026 | Ready for Review-Document Uploaded. see attached - Seller-01/28/2026<br>| Resolved-The Deed of Trust is Present - Due Diligence Vendor-01/29/2026<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 - 9.29 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<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 61.76 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 - 12.00 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 234225 |  | D A | Closed | FCOM1232 | 2026-01-26 01:17 | 2026-01-29 08:46 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-01/29/2026 <br>Ready for Review-Document Uploaded. see attached. - Seller-01/29/2026 <br>Open-The Final 1003 is Missing - Due Diligence Vendor-01/26/2026 | Ready for Review-Document Uploaded. see attached. - Seller-01/29/2026<br>| Resolved-The Final 1003 is Present - Due Diligence Vendor-01/29/2026<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 - 9.29 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<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 61.76 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 - 12.00 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 875719 |  | D A | Closed | FCRE1467 | 2026-01-28 11:26 | 2026-02-03 11:40 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-asset depletion docs provided. - Due Diligence Vendor-02/03/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-02/01/2026 <br>Open-We need account statements to support the asset depletion calculation for income on file, - Due Diligence Vendor-01/28/2026 |  | Resolved-asset depletion docs provided. - Due Diligence Vendor-02/03/2026<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 62.54% 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 17.57% 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 15.47 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 875719 |  | D A | Closed | FCRE1335 | 2026-01-29 10:30 | 2026-02-03 11:40 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 IRS Transcripts Missing | Resolved-Borrower 1 IRS Transcripts Resolved - Due Diligence Vendor-02/03/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-02/01/2026 <br>Rescinded-Borrower 1 IRS Transcripts Missing. Provide the 1099 IRS transcripts. - Due Diligence Vendor-01/29/2026 <br>Open- - Due Diligence Vendor-01/29/2026 |  | Resolved-Borrower 1 IRS Transcripts Resolved - Due Diligence Vendor-02/03/2026 <br>Rescinded-Borrower 1 IRS Transcripts Missing. Provide the 1099 IRS transcripts. - Due Diligence Vendor-01/29/2026<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 62.54% 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 17.57% 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 15.47 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 875719 |  | D A | Closed | FCOM1232 | 2026-01-26 02:29 | 2026-01-29 08:41 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-01/29/2026 <br>Ready for Review-Document Uploaded. see attached - Buyer-01/28/2026 <br>Open-The Final 1003 is Missing - Due Diligence Vendor-01/26/2026 |  | Resolved-The Final 1003 is Present - Due Diligence Vendor-01/29/2026<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 62.54% 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 17.57% 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 15.47 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months | The Final 1003 is Missing | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 762536 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 345946 |  | D A | Closed | FCRE1827 | 2026-01-28 13:13 | 2026-02-02 13:40 | Resolved | 1 - Information D A | Credit | Missing Doc | US Driver's License or other US or foreign government-issued photo ID Incomplete | Resolved-I-797 Form stating: provides evidence of your lawful permanent resident status for 24 months from the expiration date on the front of your Permanent Resident Card. You remain authorized to work<br> and travel. This notice, presented with your expired Permanent Resident Card, is evidence of your status and work authorization.<br> - Due Diligence Vendor-02/02/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-01/31/2026 <br> Open-Borrower permanent resident alien card expired on xxx. Need documentation to verify I1797 notice of action taken and its renewed. The closing instructions on page 186 in the loan file reflected a condition also requesting the updated Permanent Resident alien card; however, QC does not see in file. - Due Diligence Vendor-01/28/2026 |  | Resolved-I-797 Form stating: provides evidence of your lawful permanent resident status for 24 months from the expiration date on the front of your Permanent Resident Card. You remain authorized to work<br> and travel. This notice, presented with your expired Permanent Resident Card, is evidence of your status and work authorization.<br> - Due Diligence Vendor-02/02/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.07 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 - 10.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.74% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 823671 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 750348 |  | C A | Closed | FCRE1343 | 2026-01-26 08:28 | 2026-02-03 14:06 | Resolved | 1 - Information C A | Credit | Income | Borrower 1 Business Bank Statements Less Than 24 Months Provided | Resolved-12 months of Business Bank statements provided. - Due Diligence Vendor-02/03/2026 <br> Ready for Review-Document Uploaded. - Seller-02/02/2026 <br> Counter-Still missing xxx - xxx. - Due Diligence Vendor-02/02/2026 <br> Ready for Review-Document Uploaded. - Seller-01/30/2026 <br> Open-Bank statements for Account# xxx is missing for months - of xxx - xxx and Of xxx - xxx - Due Diligence Vendor-01/26/2026 | Ready for Review-Document Uploaded. - Seller-02/02/2026 <br>Ready for Review-Document Uploaded. - Seller-01/30/2026<br>| Resolved-12 months of Business Bank statements provided. - Due Diligence Vendor-02/03/2026<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 - 5.15 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.15 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 - 25.16 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.16 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.18 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 11.18 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 74.09% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More Original CLTV Of 74.09% 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 - 13.00 Years Borrower At Current Residence For Five (5) Or More Years - 13.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.47% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 37.47% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 750348 |  | C A | Closed | FVAL9739 | 2026-01-29 09:10 | 2026-02-03 14:05 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Corrected Appraisal provided. - Due Diligence Vendor-02/03/2026 <br> Ready for Review-Document Uploaded. Please see the attached corrected Appraisal, when we reached out to the xxx they found out this was a typo and the Appraiser has corrected Appraisal – No Physical deficiencies. - Seller-02/02/2026 <br> Counter-The appraiser needs to clarify his comment (While no significant physical deficiencies or adverse conditions that affect livability, soundness or structural integrity were observed such items can be beyond the expertise of the appraiser. Issues of soundness and structural integrity are often related to areas that are hidden from view) or remove them. - Due Diligence Vendor-02/02/2026 <br> Ready for Review-Please advise. <br> If we cannot get a Licensed contractor out to the property, what can the Appraiser do to satisfy their concerns? - Seller-01/30/2026 <br> Open-appraiser noted physical deficiencies or adverse conditions that affect the livability, soundness, or structural integrity of the property. While no significant physical deficiencies or adverse conditions that affect livability, soundness or structural integrity were observed such items can be beyond the expertise of the appraiser. Issues of soundness and structural integrity are often related to areas that are hidden from view. <br> Licensed contractor to review property for any issues, etc. - Due Diligence Vendor-01/29/2026 | Ready for Review-Document Uploaded. Please see the attached corrected Appraisal, when we reached out to the xxx they found out this was a typo and the Appraiser has corrected Appraisal – No Physical deficiencies. - Seller-02/02/2026 <br> Ready for Review-Please advise. <br> If we cannot get a Licensed contractor out to the property, what can the Appraiser do to satisfy their concerns? - Seller-01/30/2026 | Resolved-Corrected Appraisal provided. - Due Diligence Vendor-02/03/2026<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 - 5.15 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.15 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 - 25.16 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.16 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.18 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 11.18 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 74.09% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More Original CLTV Of 74.09% 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 - 13.00 Years Borrower At Current Residence For Five (5) Or More Years - 13.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.47% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 37.47% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 449930 |  | C A | Closed | FCOM8891 | 2026-01-29 13:46 | 2026-02-04 12:08 | Resolved | 1 - Information C A | Compliance | Closing Package | Other Compliance | Resolved-Received - Due Diligence Vendor-02/04/2026 <br> Ready for Review-Document Uploaded. - Seller-02/03/2026 <br> Open-BALLOON PAYMENT DISCLOSURE has not been executed by xxx - Due Diligence Vendor-01/29/2026 | Ready for Review-Document Uploaded. - Seller-02/03/2026<br>| Resolved-Received - Due Diligence Vendor-02/04/2026<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 0.23 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.59 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.59 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 - 11.59 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.59 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.51 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 30.51 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 66.83% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Original CLTV Of 66.83% 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 - 5.67 Years Borrower At Current Residence For Five (5) Or More Years - 5.67 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.6% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 44.6% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 449930 |  | C A | Closed | finding-47 | 2026-01-26 07:03 | 2026-02-02 11:37 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-\*\*Received PCCD - Due Diligence Vendor-02/02/2026 <br> Ready for Review-Document Uploaded. - Seller-01/30/2026 <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.\*\*\*\*\*\*\* Borrower executed documents on xxx. Please provide Post Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-01/29/2026 <br> Open- - Due Diligence Vendor-01/29/2026 <br> Open- - Due Diligence Vendor-01/29/2026 <br> Open- - Due Diligence Vendor-01/26/2026 | Ready for Review-Document Uploaded. - Seller-01/30/2026<br>| Resolved-\*\*Received PCCD - Due Diligence Vendor-02/02/2026<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 0.23 Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.23<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.59 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.59 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 - 11.59 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.59 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.51 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 30.51 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 66.83% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More Original CLTV Of 66.83% 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 - 5.67 Years Borrower At Current Residence For Five (5) Or More Years - 5.67 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.6% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 44.6% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 535051 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 602518 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 521836 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 330744 |  | D A C | Closed | FCRE3978 | 2026-01-29 20:53 | 2026-02-05 12:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Letter of Explanation (Credit) missing or unexecuted | Resolved-Signed Inquires provided. - Due Diligence Vendor-02/05/2026 <br> Ready for Review-Document Uploaded. - Seller-02/04/2026 <br> Open-Provide a legible, signed LOE from B1 addressing all credit inquiries within the most recent 90 days of the credit report date, confirming whether additional credit was granted or, if not, stating the purpose of each inquiry. (LOE in the file is not legible and did not address all inquiries)<br> - Due Diligence Vendor-01/30/2026 | Ready for Review-Document Uploaded. - Seller-02/04/2026<br>| Resolved-Signed Inquires provided. - Due Diligence Vendor-02/05/2026<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 - 11.23 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<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.18 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 58.13% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.41% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 330744 |  | D A C | Closed | FVAL2477 | 2026-01-29 20:55 | 2026-02-05 12:47 | Resolved | 1 - Information C A | Property | Appraisal | Appraisal incomplete (missing map, layout, pages, etc.) | Resolved-E&O provided - Due Diligence Vendor-02/05/2026 <br> Ready for Review-Document Uploaded. - Seller-02/04/2026 <br> Open-Missing xxx E&O insurance evidencing coverage effective prior to the appraisal report date of xxx. - Due Diligence Vendor-01/30/2026 | Ready for Review-Document Uploaded. - Seller-02/04/2026<br>| Resolved-E&O provided - Due Diligence Vendor-02/05/2026<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 - 11.23 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<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 33.18 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 58.13% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.41% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.2 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 935612 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 382674 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 441294 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 776615 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 201111 |  | C B A | Closed | FCOM1291 | 2026-01-30 17:43 | 2026-02-18 06:54 | Cured | 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). | Cured-Corrected xxx model form and email correspondence, has been provided, thank you - Due Diligence Vendor-02/18/2026 <br> Ready for Review-Document Uploaded. Please see attached email correspondence between the borrower and our customer service rep. Thank you! - Seller-02/17/2026 <br> Counter-\*\*Due to the correct form being provided to the borrower post third party review, a copy of the email correspondence initially sent to the borrower detailing why the new forms were being provided is needed as support documentation and for our review. - Due Diligence Vendor-02/16/2026 <br> Ready for Review-I am a bit confused by the response. Were we not supposed to have the correct form executed? Can you please CLARIFY the request for a copy of package that was sent? We did not send any package. This was done through our Customer Service Dept. They emailed the forms to the borrowers for their assistance. I can certainly request copies of the email exchange if that will be sufficient. Please advise! - Seller-02/13/2026 <br> Counter-\*\*Received new executed NORTC with correct form post closing. It appears lender re-opened the rescission period. Lender to provide copy of package sent to the borrower that include the LOE and proof of deliver (shipping tracking information). Unable to resolve finding until new cancel date expires. - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Document Uploaded. - Seller-02/12/2026 <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-01/30/2026 | Ready for Review-Document Uploaded. Please see attached email correspondence between the borrower and our customer service rep. Thank you! - Seller-02/17/2026 <br> Ready for Review-I am a bit confused by the response. Were we not supposed to have the correct form executed? Can you please CLARIFY the request for a copy of package that was sent? We did not send any package. This was done through our Customer Service Dept. They emailed the forms to the borrowers for their assistance. I can certainly request copies of the email exchange if that will be sufficient. Please advise! - Seller-02/13/2026 <br> Ready for Review-Document Uploaded. - Seller-02/12/2026 | Cured-Corrected ROR model form and email correspondence, has been provided, thank you - Due Diligence Vendor-02/18/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.00 Years<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<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.05 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> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.14 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 61.8% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 872872 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 669324 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 557894 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 378985 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 378637 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 389165 |  | C A | Closed | FCRE1203 | 2026-01-29 12:01 | 2026-02-03 13:49 | Resolved | 1 - Information C A | Credit | Eligibility | Potential Fraud Reflected on Fraud Report | Resolved-Potential Fraud Reflected on Fraud Report is Resolved or None Exists - Due Diligence Vendor-02/03/2026 <br> Ready for Review-Document Uploaded. Please see attached final Fraud Report - Buyer-02/02/2026 <br> Open-Potential Fraud Reflected on Fraud Report The final score is a zero. The final recommendation is an xxx Refer. - Due Diligence Vendor-01/29/2026 |  | Resolved-Potential Fraud Reflected on Fraud Report is Resolved or None Exists - Due Diligence Vendor-02/03/2026<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 - 25.43 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 - 35.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 51.83 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 - 31.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.4% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 266020 |  | D B C A | Closed | FPRO1244 | 2026-01-30 17:45 | 2026-02-02 10:44 | Waived | 2 - Non-Material D B | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Waived-Exception granted with supporting comp factors: AVM 88% CONFIDENCE SCORE. MIN 90% - Due Diligence Vendor-02/02/2026 <br> Ready for Review-Document Uploaded. REBUT-not required, as this is a xxx. The required AVM and PCI, along with the exception approval due to the confidence score < 90%, is attached for your review. - Buyer-01/31/2026 <br> Open- - Due Diligence Vendor-01/30/2026 |  | Waived-Exception granted with supporting comp factors: AVM 88% CONFIDENCE SCORE. MIN 90% - Due Diligence Vendor-02/02/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 17.08 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.75% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Low Credit Usage Ratio 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<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 21.54 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 - 21.53 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.93 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 33.02% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More | LTV - Max - 80% Subject -34%<br> DTI - Max - 50% Subject - 40.5% | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx |
| 144900 |  | D A | Closed | FCRE1503 | 2026-01-28 10:24 | 2026-02-03 11:46 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-2nd Lien Note provided. - Due Diligence Vendor-02/03/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-02/01/2026 <br> Open-Missing new mortgage statement or copy of note for xxx payment of $xxx, for the property "xxx". - Due Diligence Vendor-01/28/2026 |  | Resolved-2nd Lien Note provided. - Due Diligence Vendor-02/03/2026<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 - 20 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 65.23 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 - 11.25 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.49% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 144900 |  | D A | Closed | FCRE1161 | 2026-01-28 09:10 | 2026-02-03 11:45 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-02/03/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-02/01/2026 <br>Open-Missing Flood Certificate for subject property address. - Due Diligence Vendor-01/28/2026 |  | Resolved-Flood Certificate is fully present - Due Diligence Vendor-02/03/2026<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 - 20 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 65.23 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 - 11.25 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 34.49% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 155647 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 347264 |  | D A | Closed | FCOM1233 | 2026-01-29 09:28 | 2026-02-10 06:45 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-02/10/2026 <br> Ready for Review-Document Uploaded. xxx-borrowers are non-permanent resident aliens. Please see attached updated 1003s<br> - Seller-02/08/2026 <br> Counter-Final 1003's provided states Bwr's as PRA however documentation in the Loan file (Work Visa) makes them a Non-PRA - Provide Corrected 1003 or supporting documentation that both bwr's are PRA. - Due Diligence Vendor-02/07/2026 <br> Ready for Review-Document Uploaded. see attached. - Seller-02/06/2026 <br> Open-The Final 1003 is Incomplete Missing Borrower signature Page - Due Diligence Vendor-01/29/2026 | Ready for Review-Document Uploaded. Concur-borrowers are non-permanent resident aliens. Please see attached updated 1003s<br> - Seller-02/08/2026 <br> Ready for Review-Document Uploaded. see attached. - Seller-02/06/2026 | Resolved-The Final 1003 is Present - Due Diligence Vendor-02/10/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8.23 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.04 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 - 10.00 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 347264 |  | D A | Closed | FCOM1221 | 2026-02-02 07:57 | 2026-02-04 06:36 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Deed of Trust is Incomplete | Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-02/04/2026 <br>Ready for Review-Document Uploaded. Attached are the remaining pages of the DOT - Seller-02/02/2026 <br>Open-The Loan file only contains pages 1-3 of the DOT, Provided all pages of the Signed DOT - Due Diligence Vendor-02/02/2026 | Ready for Review-Document Uploaded. Attached are the remaining pages of the DOT - Seller-02/02/2026<br>| Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-02/04/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8.23 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.04 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 - 10.00 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 347264 |  | D A | Closed | FCRE1964 | 2026-01-29 14:06 | 2026-02-02 08:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-bonus income provided - Due Diligence Vendor-02/02/2026 <br>Ready for Review-Document Uploaded. Rebut - No issue. Borrower has worked for company for 4+ years, and we have 22 months verified. - Buyer-01/31/2026 <br>Open-2 years Bonus income history is not provided for Borrower - Due Diligence Vendor-01/29/2026 |  | Resolved-bonus income provided - Due Diligence Vendor-02/02/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8.23 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.04 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 - 10.00 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 347264 |  | D A | Closed | FCOM1227 | 2026-01-29 10:09 | 2026-02-02 07:57 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | PUD Rider is Missing | Resolved-Signed PUD rider provided. - Due Diligence Vendor-02/02/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-02/01/2026 <br>Open-PUD Rider is Missing - Due Diligence Vendor-01/29/2026 |  | Resolved-Signed PUD rider provided. - Due Diligence Vendor-02/02/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8.23 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.04 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 - 10.00 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 347264 |  | D A | Closed | FCOM1206 | 2026-01-29 08:55 | 2026-02-02 07:51 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Note is Missing | Resolved-The Note is Present - Due Diligence Vendor-02/02/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-02/01/2026 <br>Open-The Note is Missing - Due Diligence Vendor-01/29/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-02/01/2026<br>| Resolved-The Note is Present - Due Diligence Vendor-02/02/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 8.23 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.04 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 - 10.00 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 926207 |  | C A | Closed | FCOM7353 | 2026-01-28 07:32 | 2026-02-04 07:15 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-Lender provided verification of 12/17/2025 application date - Due Diligence Vendor-02/04/2026 <br>Ready for Review-Document Uploaded. - Seller-02/03/2026 <br>Counter-\*\*Lender to provide a copy of their internal compliance test results for review. - Due Diligence Vendor-02/03/2026 <br>Ready for Review-Document Uploaded. - Seller-02/02/2026 <br>Open-<br> Documentation provided does not include confirmation of the borrower's application date. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Thank you.<br> - 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<br>| Resolved-Lender provided verification of xxx application date - 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 - 11.16 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 11.16 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.11 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 32.11 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 Borrower At Current Residence For Five (5) Or More Years - 7.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.66% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 29.66% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 266438 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 816160 |  | C B A | Closed | FCRE1169 | 2026-01-29 10:09 | 2026-02-23 13:03 | Waived | 2 - Non-Material C B | Credit | Insurance | Flood Insurance Effective Date is after the Note Date | Waived-Exception granted with supporting comp factors: Exception to accept the documentation in the file that confirms loan has had flood insurance. This is a 2nd mortgage, and the first mortgage statement confirms that flood insurance is escrowed.<br> - Due Diligence Vendor-02/23/2026 <br> Ready for Review-Document Uploaded. Please see attached updated exception - Seller-02/22/2026 <br> Counter-the mortgage statement that was provided unfortunately is not enough for us to determine if they previously had flood insurance, please provide prior Flood policy - Due Diligence Vendor-02/17/2026 <br> Ready for Review-Please escalate-the first mortgage is escrowed and you and can see that the payments are being made. We don't have the PRIOR policy, but the mortgage statement, along with the CURRENT statement, confirms that the borrower has and will continue having coverage. - Buyer-02/16/2026 <br> Counter-Apologies for the confusion, Subject Loan is an Invest refinance - The Flood Policy in the Loan file has an effective date of xxx - It appears the file is missing the Prior Flood Policy for xxx - Due Diligence Vendor-02/03/2026 <br> Ready for Review-Document Uploaded. The flood insurance was escrowed and paid by the 1st mortgage lender monthly. Please see attached. - Seller-02/01/2026 <br> Open-Flood Insurance Effective Date of xxx is after the Note Date of xxx - Due Diligence Vendor-01/29/2026 | Ready for Review-Document Uploaded. Please see attached updated exception - Seller-02/22/2026 <br>Ready for Review-Document Uploaded. The flood insurance was escrowed and paid by the 1st mortgage lender monthly. Please see attached. - Seller-02/01/2026<br>| Waived-Exception granted with supporting comp factors: Exception to accept the documentation in the file that confirms loan has had flood insurance. This is a 2nd mortgage, and the first mortgage statement confirms that flood insurance is escrowed.<br> - Due Diligence Vendor-02/23/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 53.59 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months | Mtg - Multiple accounts, with history dating back to xxx. NO lates reported on any of the trades<br> Borrower has owned proerty for 20 years | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxx |
| 816160 |  | C B A | Closed | FCRE1200 | 2026-01-29 10:30 | 2026-02-09 12:25 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Exception granted with supporting comp factors: Min - $xxx Subj - $xxx - Due Diligence Vendor-02/09/2026 <br> Ready for Review-Please see attached. - Buyer-02/09/2026 <br> Open-Audited Loan Amount of xxx is less than the Guideline Minimum Loan Amount of xxx - Due Diligence Vendor-02/02/2026 <br> Ready for Review-Document Uploaded. Please see attached exception approval that was in the loan file. - Buyer-02/01/2026 <br> Open-Audited Loan Amount of xxx is less than the Guideline Minimum Loan Amount of xxx - Due Diligence Vendor-01/29/2026 |  | Waived-Exception granted with supporting comp factors: Min - $xxx Subj - $xxx - 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 - 11.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 53.59 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months | Multiple accounts, with history dating back to xxx. NO lates reported on any of the trades<br> Borrower has owned property for 20 years | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx |
| 405452 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 221567 |  | C A | Closed | FCOM7353 | 2026-01-30 01:32 | 2026-02-11 09:20 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-\*\*Received confirmation of application date. - Due Diligence Vendor-02/11/2026 <br> Ready for Review-Document Uploaded. - Buyer-02/10/2026 <br> Counter-\*\*Lender to provide a copy of their internal compliance test results for review. - Due Diligence Vendor-02/09/2026 <br> Ready for Review-Document Uploaded. we show xxx, app date shows xxx - Buyer-02/06/2026 <br> Open-Documentation provided does not include confirmation of the borrower's application date. A Compliance report must be processed again when the requested material document(s) are received, which may result in additional Findings. Thank you. - Due Diligence Vendor-01/30/2026 |  | Resolved-\*\*Received confirmation of application date. - Due Diligence Vendor-02/11/2026<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 66.24% 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 10.9 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 - 5.04 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 689181 |  | D A C | Closed | FPRO8376 | 2026-02-03 09:54 | 2026-02-09 10:35 | Resolved | 1 - Information C A | Property | Appraisal | Primary Value Product Not Allowable for 2nd Lien HPML | Resolved-Full Appraisal provided - Due Diligence Vendor-02/09/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-02/08/2026 <br> Open-Loan is a Higher Priced Mortgage Loan (HPML) 2nd lien and the original valuation product provided is an AVM. Per guidelines, a full appraisal is required. Guidelines for HPML loans require full appraisal. - Due Diligence Vendor-02/03/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-02/08/2026<br>| Resolved-Full Appraisal provided - Due Diligence Vendor-02/09/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.16% 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 - 6.00 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 - 13.00 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 - 6.85 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 689181 |  | D A C | Closed | FCRE1342 | 2026-01-29 12:22 | 2026-02-09 10:33 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 Business Bank Statements Missing | Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-02/09/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-02/08/2026 <br> Open-Borrower 1 Business Bank Statements Missing Pg xxx loan lock shows this loan was qualified with 12 mos bank statement income, but there are no bank statements that have been uploaded to the file, as well as no lender income workbook in order to verify deposits, nsf's, etc. Please provide the 12 mos bank statements used to come to the $xxx income figure listed on final 1008, pg xxx - Due Diligence Vendor-02/03/2026 |  | Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-02/09/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.16% 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 - 6.00 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 - 13.00 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 - 6.85 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 689181 |  | D A C | Closed | FCRE1325 | 2026-01-29 12:22 | 2026-02-09 10:33 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-02/09/2026 <br> Ready for Review-Rebut - CPA letter not required. Docs from State website provide sufficient evidence that borrower is 100% owner of the company, and the standard 50% expense factor was used for qualifying. - Seller-02/08/2026 <br> Open-Borrower 1 CPA Letter Missing CPA letter missing from file to verify income/ownership/expenses - please provide - Due Diligence Vendor-02/03/2026 | Ready for Review-Rebut - CPA letter not required. Docs from State website provide sufficient evidence that borrower is 100% owner of the company, and the standard 50% expense factor was used for qualifying. - Seller-02/08/2026 | Resolved-Borrower 1 CPA Letter Resolved - Due Diligence Vendor-02/09/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.16% 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 - 6.00 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 - 13.00 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 - 6.85 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 689181 |  | D A C | Closed | FCRE1316 | 2026-01-29 12:22 | 2026-02-09 10:33 | 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-02/09/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-02/08/2026 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Please provide 3rd party voe for client as it was not sent with the rest of the upload package - Due Diligence Vendor-02/03/2026 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-02/09/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.16% 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 - 6.00 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 - 13.00 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 - 6.85 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 493262 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 466376 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 146142 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 605022 |  | D A | Closed | FCRE1193 | 2026-02-02 10:00 | 2026-02-23 13:11 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 46.49% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-02/23/2026 <br> Ready for Review-Please clarify why the updated P & L with the correct dates is not acceptable. - Buyer-02/22/2026 <br> Counter-Document Uploaded. Lender's P&L is dated from xxx through xxx = 1 year, 1 Month & 29 days = $xxx / 14 = $xxx per month vs lenders income of $xxx - Due Diligence Vendor-02/18/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-02/17/2026 <br> Open-Audited DTI of 54.92% exceeds Guideline DTI of 50% P&L Stmnt in file on pg xxx is from xxx - xxx which = 14 months. The avg monthly income calculation is $xxx. With this monthly income calculation the DTI is over the prgrm max of 50%. Lender appeared to calculate this same P&L stmnt using 12 mos instead 14. which is where the income discrepency lies. - Due Diligence Vendor-02/02/2026 |  | Resolved-Audited DTI of 46.49% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-02/23/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 30.00 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 57.07% 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 12.08 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 - 24.30 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 - 24.31 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 605022 |  | D A | Closed | FCRE1202 | 2026-02-02 09:23 | 2026-02-09 12:22 | 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-02/09/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-02/09/2026 <br>Open-Third Party Fraud Report Partially Provided We have a fraud report with an auto score of 0. Need a full fraud report with passing scores. - Due Diligence Vendor-02/02/2026 |  | Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-02/09/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 30.00 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 57.07% 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 12.08 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 - 24.30 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 - 24.31 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 418799 |  | C A | Closed | FCRE2899 | 2026-02-02 20:58 | 2026-02-09 11:31 | Resolved | 1 - Information C A | Credit | Title | Potential Ownership issues identified in file | Resolved-CPA letter states Schedule C Sole Proprietor - Due Diligence Vendor-02/09/2026 <br>Ready for Review-Document Uploaded. Please see attached, which were in file. Borrower files a schedule C and is a sole proprietor. 100% OWNER - Buyer-02/08/2026 <br>Open- - Due Diligence Vendor-02/03/2026 | Please provide Third Party documentation to verify borrower's ownership percentage. - 02/03/2026 <br>| Resolved-CPA letter states Schedule C Sole Proprietor - Due Diligence Vendor-02/09/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.68% 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 - 23.00 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 43.22% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 30.00 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 995763 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 416762 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 274984 |  | B A | Closed | FCRE1183 | 2026-02-02 17:53 | 2026-02-04 13:37 | 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-02/04/2026 <br>Ready for Review-Document Uploaded. - Seller-02/04/2026 <br>Open-1008/Underwriting Summary Partially Provided DSCR Rate is not listed in file - Due Diligence Vendor-02/02/2026 | Ready for Review-Document Uploaded. - Seller-02/04/2026<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/04/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 19.67 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 46.42% 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 23.86 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 200602 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 476109 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 924744 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 886071 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 578249 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 381671 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 831193 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 744418 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 129038 |  | D A B | Closed | FCRE1293 | 2026-02-02 01:14 | 2026-02-06 10:54 | Resolved | 1 - Information C A | Credit | Income | Income 2 Months Income Verified is Missing | Resolved-Income 2 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-02/06/2026 <br>Ready for Review-Document Uploaded. - Seller-02/05/2026 <br>Open-Income 2 Months Income Verified is Missing Income 1 Months Income Verified is Missing. Provide paystubs or WVOE for Borrower 1 employment. - Due Diligence Vendor-02/02/2026 | Ready for Review-Document Uploaded. - Seller-02/05/2026<br>| Resolved-Income 2 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-02/06/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.33 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.24 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 129038 |  | D A B | Closed | FCRE1316 | 2026-02-02 11:00 | 2026-02-06 10:54 | 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-02/06/2026 <br>Ready for Review-Document Uploaded. - Seller-02/05/2026 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-02/02/2026 | Ready for Review-Document Uploaded. - Seller-02/05/2026<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-02/06/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.33 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.24 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 129038 |  | D A B | Closed | FCRE1330 | 2026-02-02 11:00 | 2026-02-06 10:54 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 Paystubs Missing | Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-02/06/2026 <br>Ready for Review-Document Uploaded. - Seller-02/05/2026 <br>Open-Borrower 1 Paystubs Missing - Due Diligence Vendor-02/02/2026 | Ready for Review-Document Uploaded. - Seller-02/05/2026<br>| Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-02/06/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.33 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.24 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 129038 |  | D A B | Closed | FCRE1328 | 2026-02-02 11:00 | 2026-02-06 10:54 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 W2/1099 Missing | Resolved-Borrower 1 W2/1099 Provided - Due Diligence Vendor-02/06/2026 <br>Ready for Review-Document Uploaded. - Seller-02/05/2026 <br>Open-Borrower 1 W2/1099 Missing Missing all income documents. - Due Diligence Vendor-02/02/2026 | Ready for Review-Document Uploaded. - Seller-02/05/2026<br>| Resolved-Borrower 1 W2/1099 Provided - Due Diligence Vendor-02/06/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.33 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.24 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 129038 |  | D A B | Closed | FCRE1333 | 2026-02-02 11:00 | 2026-02-06 10:54 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 WVOE Missing | Resolved-Borrower 1 WVOE Resolved - Due Diligence Vendor-02/06/2026 <br>Ready for Review-Document Uploaded. - Seller-02/05/2026 <br>Open-Borrower 1 WVOE Missing. - Due Diligence Vendor-02/02/2026 | Ready for Review-Document Uploaded. - Seller-02/05/2026<br>| Resolved-Borrower 1 WVOE Resolved - Due Diligence Vendor-02/06/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.33 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.24 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 129038 |  | D A B | Closed | FCOM1797 | 2026-02-02 09:28 | 2026-02-06 08:01 | Resolved | 1 - Information B A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-Received - Due Diligence Vendor-02/06/2026 <br>Ready for Review-Document Uploaded. - Seller-02/05/2026 <br>Open-Service Provider List is Missing - Due Diligence Vendor-02/02/2026 | Ready for Review-Document Uploaded. - Seller-02/05/2026<br>| Resolved-Received - Due Diligence Vendor-02/06/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.33 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.24 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 280654 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 616061 |  | C A | Closed | finding-3367 | 2026-02-04 11:14 | 2026-02-09 10:03 | Resolved | 1 - Information B A | Compliance | Disclosures (Federal, State, and Data Dependent) | RESPA Homeownership Counseling Organizations Disclosure Date Test | Resolved-\*\*Received explanation. - Due Diligence Vendor-02/09/2026 <br> Open- - Due Diligence Vendor-02/09/2026 <br> Ready for Review-App date is xxx per the 1003 and date of 6 items. we where closed the xxx and xxx for xxx. Therefor on the 2nd when they were disclosed it was the 3rd business day. - Seller-02/06/2026 <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. Thank you - Due Diligence Vendor-02/04/2026 <br> Open- - Due Diligence Vendor-02/04/2026 <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 Thanksgiving Day (xxx)PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.Please note: This test does not validate the content of any list of homeownership counseling organizations. - Due Diligence Vendor-02/04/2026 <br> Open- - Due Diligence Vendor-02/04/2026 | Ready for Review-App date is xxx per the 1003 and date of 6 items. we where closed thexxx for xxx. Therefor on the 2nd when they were disclosed it was the 3rd business day. - Seller-02/06/2026 | Resolved-\*\*Received explanation. - Due Diligence Vendor-02/09/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.88% 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 57.57% 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 - 9.75 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 - 15.75 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 - 18.42 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 616061 |  | C A | Closed | finding-3634 | 2026-02-04 11:14 | 2026-02-09 10:02 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-\*\*Received explanation. - Due Diligence Vendor-02/09/2026 <br> Resolved- - Due Diligence Vendor-02/09/2026 <br> Ready for Review-App date is xxx per the 1003 and date of 6 items. we where closed the xxx and xxx for xxx. Therefor on the 2nd when they were disclosed it was the 3rd business day. - Buyer-02/06/2026 <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. Thank you - Due Diligence Vendor-02/04/2026 <br> Open- - Due Diligence Vendor-02/04/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-02/04/2026 <br> Open- - Due Diligence Vendor-02/04/2026 |  | Resolved-\*\*Received explanation. - Due Diligence Vendor-02/09/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.88% 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 57.57% 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 - 9.75 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 - 15.75 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 - 18.42 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 616061 |  | C A | Closed | finding-3631 | 2026-02-04 11:14 | 2026-02-09 10:02 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-\*\*Received explanation. - Due Diligence Vendor-02/09/2026 <br> Resolved- - Due Diligence Vendor-02/09/2026 <br> Ready for Review-App date is xxx per the 1003 and date of 6 items. we where closed the xxx and xxx for xxx. Therefor on the 2nd when they were disclosed it was the 3rd business day. - Buyer-02/06/2026 <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. Thank you - Due Diligence Vendor-02/04/2026 <br> Open- - Due Diligence Vendor-02/04/2026 <br> Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-02/04/2026 <br> Open- - Due Diligence Vendor-02/04/2026 |  | Resolved-\*\*Received explanation. - Due Diligence Vendor-02/09/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.88% 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 57.57% 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 - 9.75 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 - 15.75 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 - 18.42 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 616061 |  | C A | Closed | finding-3632 | 2026-02-04 11:14 | 2026-02-09 10:02 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-\*\*Received explanation. - Due Diligence Vendor-02/09/2026 <br> Resolved- - Due Diligence Vendor-02/09/2026 <br> Ready for Review-App date is xxx per the 1003 and date of 6 items. we where closed the xxx and xxx for xxx. Therefor on the 2nd when they were disclosed it was the 3rd business day. - Seller-02/06/2026 <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. Thank you - Due Diligence Vendor-02/04/2026 <br> Open- - Due Diligence Vendor-02/04/2026 <br> Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-02/04/2026 <br> Open- - Due Diligence Vendor-02/04/2026 | Ready for Review-App date is xxx per the 1003 and date of 6 items. we where closed the xxx and xxx for xxx. Therefor on the 2nd when they were disclosed it was the 3rd business day. - Seller-02/06/2026 | Resolved-\*\*Received explanation. - Due Diligence Vendor-02/09/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.88% 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 57.57% 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 - 9.75 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 - 15.75 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 - 18.42 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 616061 |  | C A | Closed | finding-3635 | 2026-02-04 11:14 | 2026-02-09 10:02 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-\*\*Received explanation. - Due Diligence Vendor-02/09/2026 <br> Resolved- - Due Diligence Vendor-02/09/2026 <br> Ready for Review-App date is xxx per the 1003 and date of 6 items. we where closed the xxx and xxx for xxx. Therefor on the 2nd when they were disclosed it was the 3rd business day. - Buyer-02/06/2026 <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. Thank you - Due Diligence Vendor-02/04/2026 <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% ($xxx) exceed the comparable charges ($xxx) 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-02/04/2026 <br> Open- - Due Diligence Vendor-02/04/2026 <br> Open- - Due Diligence Vendor-02/04/2026 |  | Resolved-\*\*Received explanation. - Due Diligence Vendor-02/09/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.88% 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 57.57% 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 - 9.75 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 - 15.75 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 - 18.42 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 616061 |  | C A | Closed | finding-3515 | 2026-02-04 11:14 | 2026-02-09 10:02 | Resolved | 1 - Information C A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-\*\*Received explanation. - Due Diligence Vendor-02/09/2026 <br> Resolved- - Due Diligence Vendor-02/09/2026 <br> Ready for Review-App date is xxx per the 1003 and date of 6 items. we where closed the xxx and xxx for xxx. Therefor on the 2nd when they were disclosed it was the 3rd business day. - Buyer-02/06/2026 <br> Open-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A))The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on Thanksgiving Day (11/27/2025)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, xxx calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. \*\*\*\*\*\*\*\*\*\*\*\*\*\*\* 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. Thank you - Due Diligence Vendor-02/04/2026 <br> Open- - Due Diligence Vendor-02/04/2026 <br> Open- - Due Diligence Vendor-02/04/2026 |  | Resolved-\*\*Received explanation. - Due Diligence Vendor-02/09/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.88% 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 57.57% 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 - 9.75 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 - 15.75 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 - 18.42 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 373766 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 238910 |  | C A | Closed | FCRE6911 | 2026-02-02 23:21 | 2026-02-12 08:34 | Resolved | 1 - Information C A | Credit | Eligibility | DTI exceeds program maximum | Resolved-Updated 1008 provided - Due Diligence Vendor-02/12/2026 <br> Ready for Review-Document Uploaded. Still not aligning but see attached. - Buyer-02/10/2026 <br> Counter-The Lease agreement in the loan file states $xxx (1007 reflects $xxx in market rents) Lease agreement used - excluded the Auto debt - Audited DTI now at 49.16% vs Lenders 44.657% - Updated 1008 required. - Due Diligence Vendor-02/10/2026 <br> Ready for Review-Respectfully rebut-double checked the subject total payment and it is correct. Also, not sure if you used the higher rents of $xxx, which we have it documented. Worse comes to shove, the business is paying the xxx payment (statements to support), and we'll exclude if need be. - Buyer-02/09/2026 <br> Open-DTI increased from 46.45% to 51.02% due to a reduction in REO income from $xxx to $xxx and an increase in the primary housing expense from $xxx to $xxx; - Due Diligence Vendor-02/03/2026 |  | Resolved-Updated 1008 provided - Due Diligence Vendor-02/12/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 18.67% 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 - 5.50 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29.28 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 - 25.00 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 - 14.88 Years |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 335207 |  | D A | Closed | FCRE1503 | 2026-02-03 11:58 | 2026-02-09 10:15 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-2nd Lien note provided - Due Diligence Vendor-02/09/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-02/08/2026 <br> Open-Need new 2nd mortgage stated on the Final 1003 on pg xxx with Vista in the amount of $xxx for $xxx per month. - Due Diligence Vendor-02/03/2026 |  | Resolved-2nd Lien note provided - Due Diligence Vendor-02/09/2026<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 62.81% 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 - 5.50 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 - 12.89 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<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 460239 |  | D A B | Closed | FCRE3464 | 2026-02-03 09:54 | 2026-02-09 10:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Closing/Final Verbal VOE | Resolved-CPA verification provided - Due Diligence Vendor-02/09/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-02/08/2026 <br> Open-Missing the third party verification for the CPA who completed the CPA letter and P&L for the Borrower. There is xxx search only. - Due Diligence Vendor-02/03/2026 |  | Resolved-CPA verification provided - Due Diligence Vendor-02/09/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32 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 xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 68.53% 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 24.65% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 460239 |  | D A B | Closed | FCOM1266 | 2026-02-03 06:15 | 2026-02-09 10:26 | 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. - Due Diligence Vendor-02/09/2026 <br>Ready for Review-Document Uploaded. - Buyer-02/06/2026 <br>Open-Homeownership Counseling Disclosure Is Missing \*\*\*\*\*\*\*Please provide entire initial disclosure package for review - Due Diligence Vendor-02/03/2026 |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable\*\*Received. - Due Diligence Vendor-02/09/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32 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 xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 68.53% 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 24.65% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 668515 |  | C B A | Closed | FPRO7466 | 2026-04-14 22:59 | 2026-04-14 23:00 | Waived | 2 - Non-Material C B | Property | Third Party Valuation | AVM Value(s) Do Not Adhere To Tolerance Criteria | Waived-Document Uploaded. Client exception granted with compensating factors - Due Diligence Vendor-04/15/2026 <br>Open-AVM confidence score of 87% does not meet guideline minimum of 90% - Due Diligence Vendor-04/15/2026 |  | Waived-Document Uploaded. Client exception granted with compensating factors - Due Diligence Vendor-04/15/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.36 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 56.93% 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 - 21.58 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 - 35.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.03% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | Low LTV; long term clean mortgage payment history | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes | xxx |
| 964939 |  | C A | Closed | FPRO1245 | 2026-02-03 04:45 | 2026-02-05 17:08 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal is Expired | Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence Vendor-02/05/2026 <br>Open-Primary Value Appraisal is Expired - Due Diligence Vendor-02/03/2026 |  | Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence Vendor-02/05/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.25 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.23% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.57 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 222279 |  | D A | Closed | FCRE7497 | 2026-02-06 09:03 | 2026-02-13 12:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Property report provided - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Document Uploaded. - Seller-02/12/2026 <br> Counter-Document Uploaded. The condition is for Missing Tax Cert/Property report for 2nd Home located at xxx listed on the Final 1003 - Due Diligence Vendor-02/12/2026 <br> Ready for Review-Document Uploaded. Please find the attached document for property taxes. Also, it can be verified from attached document that there is no mortgage on property. - Seller-02/11/2026 <br> Open-Missing complete PITI info for xxx REO. Found a Hazard policy on pg xxx for a manufactored home believed to be at this location, but missing prprty tx's and other housing pmnts if any. - Due Diligence Vendor-02/06/2026 | Ready for Review-Document Uploaded. - Seller-02/12/2026 <br>Ready for Review-Document Uploaded. Please find the attached document for property taxes. Also, it can be verified from attached document that there is no mortgage on property. - Seller-02/11/2026<br>| Resolved-Property report provided - 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 - 13 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.2% 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 61.81 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 67.36% 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 - 12.14 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 - 48.00 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 372484 |  | D A | Closed | FCRE2109 | 2026-02-05 11:10 | 2026-02-10 12:28 | 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-02/10/2026 <br> Ready for Review-Document Uploaded. - Seller-02/09/2026 <br> Open-Missing Lender Worksheet or Bank Statement Summary The Lender Worksheet supporting the 12-month Bank Statement Summary is missing. - Due Diligence Vendor-02/05/2026 | Ready for Review-Document Uploaded. - Seller-02/09/2026<br>| Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-02/10/2026<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 67.14% 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 27.62% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.51 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 162767 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 603220 |  | C A | Closed | FCRE1292 | 2026-02-04 05:42 | 2026-02-13 12:35 | 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-02/13/2026 <br> Ready for Review-Document Uploaded. - Seller-02/12/2026 <br> Counter-Apologies for the confusion, the File is missing Income documentation to support the qualifying income for B1 of $xxx - Only B2 income was located in the loan file. - Due Diligence Vendor-02/10/2026 <br> Ready for Review-Document Uploaded. - Seller-02/09/2026 <br> Open-Income 1 Months Income Verified is Missing Borrower: xxx<br>We just need one additional item to complete the file—income verification for the monthly amount of $xxx is not yet included. Once this is provided, we'll be all set to move forward. - Due Diligence Vendor-02/04/2026 | Ready for Review-Document Uploaded. - Seller-02/12/2026 <br>Ready for Review-Document Uploaded. - Seller-02/09/2026<br>| Resolved-Income 1 Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-02/13/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 14.37% 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 - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 21.98 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 - Validated Borrower At Current Residence For Five (5) Or More Years - 21.00 Years<br> 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 - 30.00 Years<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.59 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 - 11.07 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 568169 |  | C A | Closed | FCRE1500 | 2026-02-04 03:18 | 2026-02-06 11:39 | Resolved | 1 - Information C A | Credit | Borrower | Borrower Identification Documentation Missing | Resolved-unexpired DL provided - Due Diligence Vendor-02/06/2026 <br> Ready for Review-Document Uploaded. - Seller-02/05/2026 <br> Open-B1 ID on page xxx is expired showing a expiration date of xxx - Due Diligence Vendor-02/04/2026 | Ready for Review-Document Uploaded. - Seller-02/05/2026<br>| Resolved-unexpired DL provided - Due Diligence Vendor-02/06/2026<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Validated Original CLTV Of 48.06% Is Below the Guideline Maximum Of 85% 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 - 20.00 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 - 20.57 Years<br>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 - 20.56 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 494122 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 419524 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 945065 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 583406 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 428195 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 445386 |  | D A C | Closed | FCRE1201 | 2026-02-05 09:29 | 2026-02-09 14:38 | 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-02/09/2026 <br>Ready for Review-Document Uploaded. - Seller-02/09/2026 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-02/05/2026 | Ready for Review-Document Uploaded. - Seller-02/09/2026<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-02/09/2026<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 58.12% 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 xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.08% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 67.22 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 - 10.00 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 - 10.66 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 - 10.00 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 0.09 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 808685 |  | B A | Closed | FCRE1182 | 2026-02-06 08:05 | 2026-02-09 09:50 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/09/2026 <br>Ready for Review-Document Uploaded. Please see attached. Thanks! - Buyer-02/08/2026 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-02/06/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/09/2026<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 - 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 - 10.56 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 56.45 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 38.36% 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 - 11.08 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 177338 |  | D A C | Closed | FCRE1748 | 2026-02-06 15:37 | 2026-02-10 10:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Certificate of Occupancy is missing | Resolved-Signed Occupancy affidavit provided - Due Diligence Vendor-02/10/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-02/09/2026 <br>Open-Occupancy affidavit page 2 of 2 signed page is missing - Due Diligence Vendor-02/06/2026 |  | Resolved-Signed Occupancy affidavit provided - Due Diligence Vendor-02/10/2026<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 27.22% 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 is Below the Guideline Maximum By Ten Percent (10%) or More Original CLTV Of 69.85% 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 is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Borrower 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 - 5.41 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 46.7 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 177338 |  | D A C | Closed | FCOM4227 | 2026-02-06 15:36 | 2026-02-09 08:03 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-Page 1 & 3 provided - Due Diligence Vendor-02/09/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-02/08/2026 <br>Open-Final Closing Disclosure 1st and 3rd pages missing.. - Due Diligence Vendor-02/06/2026 |  | Resolved-Page 1 & 3 provided - Due Diligence Vendor-02/09/2026<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 27.22% 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 is Below the Guideline Maximum By Ten Percent (10%) or More Original CLTV Of 69.85% 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 is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Borrower 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 - 5.41 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 46.7 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 177338 |  | D A C | Closed | FCRE1183 | 2026-02-06 15:03 | 2026-02-09 08:03 | 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-02/09/2026 <br>Ready for Review-Document Uploaded. Please see attached. Thanks! - Buyer-02/08/2026 <br>Open-1008/Underwriting Summary Partially Provided Kindly Provide updated 1008 used at final approval. Ratios on the doc provided have incorrectly stated Housing, DTI, LTV, CLTV & HCLTV ratio are incorrect in provided 1008. - Due Diligence Vendor-02/06/2026 |  | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/09/2026<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 27.22% 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 is Below the Guideline Maximum By Ten Percent (10%) or More Original CLTV Of 69.85% 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 is Greater Than The Guideline Minimum By Twenty (20) or More Points Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Borrower 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 - 5.41 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 46.7 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 931670 |  | D A | Closed | FCRE9549 | 2026-02-09 21:45 | 2026-02-18 11:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Credit Report Supplement is missing | Resolved-Note & First payment letter provided - Due Diligence Vendor-02/18/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-02/16/2026 <br> Open-Missing Note and payment verification. Provide a copy of the Note for xxx loan number xxx to confirm the first mortgage terms, along with documentation evidencing the new payment breakdown, including principal and interest versus escrowed real estate taxes and homeowners insurance. - Due Diligence Vendor-02/10/2026 |  | Resolved-Note & First payment letter provided - Due Diligence Vendor-02/18/2026<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 - 30.16 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 - 20.95 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 72.12% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 6.95 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.22% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.91 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 931670 |  | D A | Closed | FCRE9163 | 2026-02-09 21:36 | 2026-02-17 11:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Updated Credit Report Supplement | Resolved-Final HUD provided - Due Diligence Vendor-02/17/2026 <br> Ready for Review-Document Uploaded. Please see attached - Buyer-02/16/2026 <br> Open-Provide a copy of the closing statement for xxx loan number xxx evidencing payoff of the prior first mortgage lien on the subject property, including xxx account ending xxx ($xxx) and second mtg/xxx xxx account ending xxx. - Due Diligence Vendor-02/10/2026 |  | Resolved-Final HUD provided - Due Diligence Vendor-02/17/2026<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 - 30.16 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 - 20.95 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 72.12% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 6.95 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.22% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.91 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 220306 |  | D B C A | Closed | FCRE5782 | 2026-02-09 01:09 | 2026-02-12 08:52 | 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. - Buyer-02/10/2026 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-02/09/2026 |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-02/12/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.64% 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 - 22.00 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 220306 |  | D B C A | Closed | FCRE5783 | 2026-02-09 01:09 | 2026-02-12 08:52 | 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-02/12/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-02/10/2026 <br>Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-02/09/2026 |  | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-02/12/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.64% 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 - 22.00 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 220306 |  | D B C A | Closed | FCRE1200 | 2026-02-09 01:17 | 2026-02-12 08:48 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Exception granted with supporting comp factors: Min - $xxx Subject - $xxx - Due Diligence Vendor-02/12/2026 <br> Ready for Review-Document Uploaded. Please see exception approval that was in the loan file. - Buyer-02/10/2026 <br> Open-Audited Loan Amount of xxx is less than the Guideline Minimum Loan Amount of xxx - Due Diligence Vendor-02/09/2026 |  | Waived-Exception granted with supporting comp factors: Min - $xxx Subject - $xxx - Due Diligence Vendor-02/12/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.64% 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 - 22.00 Years | DTI Max - 50% Subject - 39%<br> Multiple accounts, with history dating back to xxx. No lates reported on any of the trades. | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx |
| 843306 |  | C A | Closed | finding-1396 | 2026-02-06 10:11 | 2026-02-24 17:18 | Resolved | 1 - Information C A | Compliance | Points & Fees | MA High Cost Home Loan Points and Fees Threshold Test | Resolved-\*\*\*Received cure package. - Due Diligence Vendor-02/24/2026 <br> Resolved- - Due Diligence Vendor-02/24/2026 <br> Ready for Review-Document Uploaded. - Seller-02/23/2026 <br> Counter-PCCD provided does not fully remediate the finding. a copy of the refund check to the borrower and proof of delivery, has not been provided. - Due Diligence Vendor-02/11/2026 <br> Ready for Review-Document Uploaded. - Seller-02/11/2026 <br> Open-This loan failed the points and fees threshold test. (xxx 209 CMR 32.32(1)(a)2) (xxx 209 CMR 40.02 definition "Points and Fees")The loan is a consumer credit transaction secured by the consumer's principal dwelling, and:The total points and fees, as defined under xxx 209 CMR 40.02, excluding the greater of the conventional prepayment penalty or up to 2 bona fide discount points, which total $xxx, exceed the greater of 5% of the total loan amount ($xxx) or $xxx; orThe total points and fees, as defined under MA 209 CMR 32.32(2), excluding the greater of the maximum prepayment penalty or up to 2 bona fide discount points, which total $xxx, exceed the greater of 5% of the total loan amount ($xxx) or $xxx; orThe total points and fees, as set forth under xxx 209 CMR 32.32(1)(a)(3), which total $xxx exceed the limitations as described pursuant to 12 CFR 1026.32(a)(1). \*\*\*\*\* LDR provided shows xxx high cost fail .... xxx high cost fail\*\*\*\*\*This loan failed the points and fees threshold test. (xxx 209 CMR 32.32(1)(a)2) (xxx 209 CMR 40.02 definition "Points and Fees")The loan is a consumer credit transaction secured by the consumer's principal dwelling, and:The total points and fees, as defined under xxx 209 CMR 40.02, excluding the greater of the conventional prepayment penalty or up to 2 bona fide discount points, which total $xxx, exceed the greater of 5% of the total loan amount ($xxx) or $xxx; orThe total points and fees, as defined under xxx 209 CMR 32.32(2), excluding the greater of the maximum prepayment penalty or up to 2 bona fide discount points, which total $xxx, exceed the greater of 5% of the total loan amount ($xxx) or $xxx; orThe total points and fees, as set forth under xxx 209 CMR 32.32(1)(a)(3), which total $xxx exceed the limitations as described pursuant to 12 CFR 1026.32(a)(1). - Due Diligence Vendor-02/09/2026 <br> Open- - Due Diligence Vendor-02/06/2026 <br> Open- - Due Diligence Vendor-02/06/2026 | Ready for Review-Document Uploaded. - Seller-02/23/2026 <br>Ready for Review-Document Uploaded. - Seller-02/11/2026<br>| Resolved-\*\*\*Received cure package. - 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 - 6.96 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.00 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 45.52% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 139297 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 503460 |  | D A C | Closed | FCRE1145 | 2026-02-06 07:53 | 2026-02-14 10:50 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-02/14/2026 <br> Ready for Review-Document Uploaded. Please refer attached Closing Instructions where page 2 we have requested title company to update same in final title policy. - Seller-02/13/2026 <br> Counter-Missing Title Supplement stating the correct Loan amount of $xxx- Due Diligence Vendor-02/13/2026 <br> Ready for Review-Document Uploaded. - Seller-02/12/2026 <br> Open-Title Document is missing - Due Diligence Vendor-02/06/2026 | Ready for Review-Document Uploaded. Please refer attached Closing Instructions where page 2 we have requested title company to update same in final title policy. - Seller-02/13/2026 <br>Ready for Review-Document Uploaded. - Seller-02/12/2026<br>| Resolved-Title Document is fully Present - Due Diligence Vendor-02/14/2026<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 64.98% 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 18.43 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 31.15% 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 - 24.83 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 - 25.00 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 - 7.33 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 498999 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 861599 |  | B A | Closed | FCRE1182 | 2026-02-11 03:06 | 2026-02-13 10:34 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/13/2026 <br>Ready for Review-Document Uploaded. - Seller-02/12/2026 <br>Open-1008/Underwriting Summary Not Provided. Provide Final 1008 - Due Diligence Vendor-02/11/2026 | Ready for Review-Document Uploaded. - Seller-02/12/2026<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/13/2026<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 47.97% 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 29.07 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 836731 |  | D A C | Closed | FCOM1220 | 2026-02-10 12:47 | 2026-03-02 16:00 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Deed of Trust is Missing | Resolved-Fully executed and notarized DOT is present - Due Diligence Vendor-03/02/2026 <br> Ready for Review-Document Uploaded. - Seller-03/02/2026 <br> Counter-The DOT provided is from xxx, the Condition is for missing the Notary page, the Signed DOT provided appears to not have been notarized at the time of closing. - Due Diligence Vendor-03/02/2026 <br> Ready for Review-Document Uploaded. - Seller-02/27/2026 <br> Counter-Document Uploaded. The DOT is missing the Notary page, the Signed DOT provided appears to not have been notarized at the time of closing. - Due Diligence Vendor-02/27/2026 <br> Ready for Review-Document Uploaded. - Buyer-02/26/2026 <br> Open-The Deed of Trust is Missing - Due Diligence Vendor-02/10/2026 | Ready for Review-Document Uploaded. - Seller-03/02/2026 <br>Ready for Review-Document Uploaded. - Seller-02/27/2026<br>| Resolved-Fully executed and notarized DOT is present - Due Diligence Vendor-03/02/2026<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 - 12.02 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 - 14.92 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 64.54% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 836731 |  | D A C | Closed | FCRE1253 | 2026-02-10 14:10 | 2026-02-27 07:59 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Property Tax Cert | Resolved-Property Tax Cert Provided - Due Diligence Vendor-02/27/2026 <br>Ready for Review-Document Uploaded. - Seller-02/26/2026 <br>Open-Missing Property Tax Cert - Due Diligence Vendor-02/10/2026 | Ready for Review-Document Uploaded. - Seller-02/26/2026<br>| Resolved-Property Tax Cert Provided - Due Diligence Vendor-02/27/2026<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 - 12.02 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 - 14.92 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 64.54% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 836731 |  | D A C | Closed | FCOM1206 | 2026-02-10 12:44 | 2026-02-27 07:53 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Note is Missing | Resolved-The Note is Present - Due Diligence Vendor-02/27/2026 <br>Ready for Review-Document Uploaded. - Seller-02/26/2026 <br>Open-The Note is Missing - Due Diligence Vendor-02/10/2026 | Ready for Review-Document Uploaded. - Seller-02/26/2026<br>| Resolved-The Note is Present - Due Diligence Vendor-02/27/2026<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 - 12.02 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 - 14.92 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 64.54% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 836731 |  | D A C | Closed | FCOM1231 | 2026-02-10 13:47 | 2026-02-27 07:52 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-02/27/2026 <br>Ready for Review-Document Uploaded. - Buyer-02/26/2026 <br>Open-The Initial 1003 is Missing - Due Diligence Vendor-02/10/2026 |  | Resolved-The Initial 1003 is Present - Due Diligence Vendor-02/27/2026<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 - 12.02 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 - 14.92 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 64.54% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 836731 |  | D A C | Closed | FCOM1232 | 2026-02-10 15:33 | 2026-02-27 07:52 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-02/27/2026 <br>Ready for Review-Document Uploaded. - Seller-02/26/2026 <br>Open-The Final 1003 is Missing - Due Diligence Vendor-02/10/2026 | Ready for Review-Document Uploaded. - Seller-02/26/2026<br>| Resolved-The Final 1003 is Present - Due Diligence Vendor-02/27/2026<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 - 12.02 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 - 14.92 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 64.54% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 545012 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 836064 |  | D A C | Closed | FCOM7353 | 2026-02-09 15:57 | 2026-02-11 09:37 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-Received confirmation of application date<br> - Due Diligence Vendor-02/11/2026 <br> Ready for Review-App Date is xxx, xxx and so is the LO dated app 1003. Our office is closed xxx and xxx for xxx is the 3 day for disclosures which is when they went out. - Buyer-02/10/2026 <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. - Due Diligence Vendor-02/09/2026 |  | Resolved-Received confirmation of application date<br> - Due Diligence Vendor-02/11/2026<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 67.83% 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 31.98% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.79 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 - 5.00 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 - 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 - Credit Line Usage Ratio equals 0.03 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 208046 |  | D A C | Closed | FCRE1155 | 2026-02-06 07:49 | 2026-03-17 08:49 | Resolved | 1 - Information C A | Credit | Insurance | Subject Property Address on Note does not match Insured Property Address | Resolved-Corrected Note Provided - Due Diligence Vendor-03/17/2026 <br> Ready for Review-Document Uploaded. - Buyer-03/16/2026 <br> Open-Subject Property on Note does not match Insured Property Address Note lists property as xxx, HOI and other documentation has xxx. We have completed the file using the note spelling - please confirm the correct spelling of the subject address for continuity. - Due Diligence Vendor-02/06/2026 |  | Resolved-Corrected Note Provided - Due Diligence Vendor-03/17/2026<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> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 1.69% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.00 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 - 25.75 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 54.68% Is Below the Guideline Maximum Of 90% 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 - 20.00 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 208046 |  | D A C | Closed | FCOM1233 | 2026-02-06 06:32 | 2026-03-17 08:43 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-02/11/2026 <br> Ready for Review-Document Uploaded. see attached. - Buyer-02/10/2026 <br> Open-The Final 1003 is Incomplete Missing pg xxx on the final 1003 - Due Diligence Vendor-02/06/2026 |  | Resolved-The Final 1003 is Present - Due Diligence Vendor-02/11/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 1.69% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.00 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 - 25.75 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 54.68% Is Below the Guideline Maximum Of 90% 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 - 20.00 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 987717 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 710247 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 309347 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 566823 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 520136 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 118411 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 505521 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 424871 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 737944 |  | D B A | Closed | FCRE3653 | 2026-02-13 16:13 | 2026-03-23 10:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-C/O Letter provided - Due Diligence Vendor-03/23/2026 <br> Ready for Review-Document Uploaded. - Seller-03/20/2026 <br> Ready for Review-Document Uploaded. - Seller-03/20/2026 <br> Counter-That should be sufficient. please make sure it's clear where the email address is coming from. - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Will an email from the borrower in their own words will suffice?<br> - Seller-03/03/2026 <br> Counter-The LOE for cash out would be from the Borrower - Per GL 4.1.2 Stand-Alone Cash-Out, a letter of explanation detailing the intended use of loan funds is required for all cash-out refinance transactions. - Due Diligence Vendor-02/26/2026 <br> Ready for Review-Will you allow a verified statement from the xxx on the reason for cash out. - Seller-02/25/2026 <br> Open-Provide Borrowers LOE regarding use of cash-out proceeds. Per GL 4.1.2 Stand-Alone Cash-Out, a letter of explanation detailing the intended use of loan funds is required for all cash-out refinance transactions.<br> - Due Diligence Vendor-02/13/2026 | Ready for Review-Document Uploaded. - Seller-03/20/2026 <br>Ready for Review-Document Uploaded. - Seller-03/20/2026 <br>Ready for Review-Will an email from the borrower in their own words will suffice?<br> - Seller-03/03/2026 <br>Ready for Review-Will you allow a verified statement from the LO on the reason for cash out. - Seller-02/25/2026<br>| Resolved-C/O Letter provided - Due Diligence Vendor-03/23/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18.25 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 0.1<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 - 15.07 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 70.39 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 737944 |  | D B A | Closed | FCRE1195 | 2026-02-13 15:43 | 2026-03-14 06:29 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Lender exception for CLTV slightly exceeding 75% CLTV due to declining market. - Due Diligence Vendor-03/14/2026 <br> Ready for Review-Document Uploaded. - Seller-03/13/2026 <br> Counter-Please provide lender exception for CLTV exceeding 75% CLTV when in declining market as seen on page xxx of guidelines. - Due Diligence Vendor-03/04/2026 <br> Ready for Review-This is full doc OO with over xxx FICO and loan amount within $xxx, max CLTV permitted is 90%. - Seller-03/04/2026 <br> Counter-Document Uploaded. Per xxx: 3.9 Declining Values: Properties in which the appraiser is reporting a declining trend in values for the subject's market area are limited to a maximum 75% CLTV on primary and 2nd homes. - Per Appraisal the property is located in a Declining Market area. - Due Diligence Vendor-02/26/2026 <br> Ready for Review-Document Uploaded. As per Guidelines, maximum allowed CLTV is 90%, Please check and advise if any further concern. - Seller-02/24/2026 <br> Open-Audited CLTV of 76.24% exceeds Guideline CLTV of 75% Provide lender exception for CLTV exceeding guideline maximum. Property reflects a declining market per appraisal; maximum CLTV permitted is 75% per GL, and actual CLTV is 76.24%. - Due Diligence Vendor-02/13/2026 | Ready for Review-Document Uploaded. - Seller-03/13/2026 <br> Ready for Review-This is full doc OO with over xxx FICO and loan amount within $xxx, max CLTV permitted is 90%. - Seller-03/04/2026 <br> Ready for Review-Document Uploaded. As per Guidelines, maximum allowed CLTV is 90%, Please check and advise if any further concern. - Seller-02/24/2026 | Waived-Lender exception for CLTV slightly exceeding 75% CLTV due to declining market. - Due Diligence Vendor-03/14/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18.25 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 0.1<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 - 15.07 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 70.39 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months | Property value may be higher than appraisal due to comparables. | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxx |
| 737944 |  | D B A | Closed | FCRE1204 | 2026-02-13 16:04 | 2026-03-04 17:09 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Lender provided processor cert. - Due Diligence Vendor-03/04/2026 <br>Ready for Review-Document Uploaded. - Seller-03/04/2026 <br>Counter-Missing Signed/Executed Processors Cert - Due Diligence Vendor-02/26/2026 <br>Ready for Review-Document Uploaded. - Seller-02/25/2026 <br>Open-Provide Processor's Certification addressing the Fraud Alert reflected on the CBR. The alert cannot be cleared without an executed Processor's Certification. - Due Diligence Vendor-02/13/2026 | Ready for Review-Document Uploaded. - Seller-03/04/2026 <br>Ready for Review-Document Uploaded. - Seller-02/25/2026<br>| Resolved-Lender provided processor cert. - Due Diligence Vendor-03/04/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18.25 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 0.1<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 - 15.07 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 70.39 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 720878 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 848857 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 263688 |  | D A | Closed | FCRE5770 | 2026-02-12 00:35 | 2026-02-15 07:39 | 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-02/15/2026 <br> Ready for Review-Document Uploaded. - Seller-02/13/2026 <br> Open-Borrower 1 Credit Report is Missing. Per GL 6.1 - xxx guidelines should be utilized for processing and documenting all required credit reports and determining borrower's credit eligibility for xxx loan purchase (utilized for processing and documenting all required credit reports and determining borrower's credit eligibility for xxx loan purchase.). - Due Diligence Vendor-02/12/2026 | Ready for Review-Document Uploaded. - Seller-02/13/2026<br>| Resolved-Borrower 1 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 - 6.09 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.19 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 - 17.75 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.83% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 950760 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 762245 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 889087 |  | D A C | Closed | finding-3625 | 2026-02-12 16:33 | 2026-02-23 11:08 | 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 with updated payee names. - Due Diligence Vendor-02/23/2026 <br> Open- - 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-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. \*\*\*\*\*\*Section B has the Credit Report fee and AVM fee paid to the lender. Fees paid to the lender do not typically belong in section B. Lender to confirm fee was a pass-through fee paid to the lender for the benefit of a third party and provide supporting documentation and a corrected PCCD correcting the payee name. - 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 | Ready for Review-Document Uploaded. - Seller-02/20/2026<br>| Resolved-\*\*Received PCCD with updated payee names. - Due Diligence Vendor-02/23/2026<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<br> Borrower 1 Has Stable Job Time 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 - 15.58 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 - 15.00 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 Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.43 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 32.5% 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 xxx 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 Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 31.72 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 is Below the Guideline Maximum By Ten Percent (10%) or More Original CLTV Of 56.32% 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 Borrower At Current Residence For Five (5) Or More Years - 8.83 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 889087 |  | D A C | Closed | finding-1737 | 2026-02-12 16:33 | 2026-02-23 11:07 | Resolved | 1 - Information A | Compliance | State Reg | MI Lender Retained Fees Test | Resolved-\*\*Received PCCD with updated payee names. - Due Diligence Vendor-02/23/2026 <br> Resolved- - Due Diligence Vendor-02/23/2026 <br> Open- - Due Diligence Vendor-02/23/2026 <br> Rescinded-N/A - Due Diligence Vendor-02/13/2026 <br> Open- - Due Diligence Vendor-02/13/2026 <br> Open- - Due Diligence Vendor-02/13/2026 <br> Open-This loan failed the Lender Retained Fees Test. (xxx. Comp. Laws Ann. §493.72(1)(b))The loan charged one or more fees prohibited under the Lender Retained Fees Test. These fees are prohibited in a secondary mortgage loan transaction. The Department of Insurance and Financial Services has taken the position that only reasonable and necessary charges that are the actual expenses incurred by the licensee, registrant, or exclusive broker in connection with making, closing, disbursing, extending, readjusting, or renewing of a secondary mortgage can be charged in a secondary mortgage loan transaction. - Due Diligence Vendor-02/12/2026 <br> Open- - Due Diligence Vendor-02/12/2026 |  | Resolved-\*\*Received PCCD with updated payee names. - Due Diligence Vendor-02/23/2026 <br>Rescinded-N/A - Due Diligence Vendor-02/13/2026<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<br>Borrower 1 Has Stable Job Time 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 - 15.58 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 - 15.00 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 Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.43 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 32.5% 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 780 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 Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 31.72 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 is Below the Guideline Maximum By Ten Percent (10%) or More Original CLTV Of 56.32% 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 Borrower At Current Residence For Five (5) Or More Years - 8.83 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 889087 |  | D A C | Closed | FCRE1255 | 2026-02-13 10:30 | 2026-02-22 10:23 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Other Property Insurance Policy Missing | Resolved-HOI policy provided - Due Diligence Vendor-02/22/2026 <br> Ready for Review-Document Uploaded. - Seller-02/20/2026 <br> Open-Missing proof of most recent HOI Payment for the REO Property Address xxx - Due Diligence Vendor-02/13/2026 | Ready for Review-Document Uploaded. - Seller-02/20/2026<br>| Resolved-HOI policy provided - Due Diligence Vendor-02/22/2026<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<br> Borrower 1 Has Stable Job Time 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 - 15.58 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 - 15.00 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 Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.43 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 32.5% 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 xxx 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 Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 31.72 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 is Below the Guideline Maximum By Ten Percent (10%) or More Original CLTV Of 56.32% 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 Borrower At Current Residence For Five (5) Or More Years - 8.83 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 473928 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 375178 |  | D A | Closed | FCRE1342 | 2026-02-11 09:04 | 2026-02-17 14:29 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 Business Bank Statements Missing | Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-02/17/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-02/17/2026 <br> Open-Borrower 1 Business Bank Statements Missing Income is Missing portion of the 12 month bank statements for xxx and xxx - xxx. Also Missing xxx. Using Stated income from Final 1003. - Due Diligence Vendor-02/11/2026 |  | Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-02/17/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.33% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Borrower 1 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> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.51 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 - 10.00 Years |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 375178 |  | D A | Closed | FCRE2109 | 2026-02-11 09:04 | 2026-02-17 14:29 | 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-02/17/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-02/17/2026 <br> Open-Missing Lender Worksheet or Bank Statement Summary The Income Calculator provided is illegible. Unable to determine accurate comparison of income stated and income audited for borrower 1 - Due Diligence Vendor-02/11/2026 |  | Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-02/17/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.33% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Borrower 1 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> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.51 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 - 10.00 Years |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 589365 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 204203 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 316769 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 923179 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 150727 |  | D B A C | Closed | finding-3652 | 2026-02-16 05:43 | 2026-02-24 16:19 | Cured | 2 - Non-Material C B | Compliance | TRID | Lender Credits That Cannot Decrease Test | Cured-\*\*Received cure package - Due Diligence Vendor-02/24/2026 <br> Resolved- - Due Diligence Vendor-02/24/2026 <br> Ready for Review-Document Uploaded. see attached. - Buyer-02/23/2026 <br> Open- - Due Diligence Vendor-02/17/2026 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($xxx) does not exceed or equal the comparable sum of specific and non-specific lender credits ($xxx). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). The curative, specific &/or general Lender Credit(s) have been either reduced or removed, resulting in a 0% tolerance cure in the amount of $xxx. Please provide COC event details dated within 3 days of removal or reduction. Or 0% tolerance cure in the amount of xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-02/16/2026 <br> Open- - Due Diligence Vendor-02/16/2026 <br> Open- - Due Diligence Vendor-02/16/2026 <br> Open- - Due Diligence Vendor-02/16/2026 |  | Cured-\*\*Received cure package - Due Diligence Vendor-02/24/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.81 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.50 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.62% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 150727 |  | D B A C | Closed | FCRE7497 | 2026-02-16 20:46 | 2026-02-23 13:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Updated 1008 provided - Due Diligence Vendor-02/23/2026 <br> Ready for Review-Document Uploaded. Comment added in error. Please see attached amended 1008. - Buyer-02/22/2026 <br> Open-1008 shows other $xxx. UW states special assessment. Missing in file. - Due Diligence Vendor-02/17/2026 |  | Resolved-Updated 1008 provided - Due Diligence Vendor-02/23/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.81 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.50 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 32.62% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 590613 |  | C B A | Closed | FCRE6843 | 2026-02-17 12:04 | 2026-02-17 12:06 | Waived | 2 - Non-Material C B | Credit | Assets | Asset General | Waived-Exception granted with supporting comp factors: Exception needed for supporting statement for wire sent to title for the 2nd half taxes. Funds sent to title vs. the taxing authority. - Due Diligence Vendor-02/17/2026 <br> Open- - Due Diligence Vendor-02/17/2026 |  | Waived-Exception granted with supporting comp factors: Exception needed for supporting statement for wire sent to title for the 2nd half taxes. Funds sent to title vs. the taxing authority. - Due Diligence Vendor-02/17/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.63% 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 55.01% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18.25 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 - 9.16 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 | LTV - Max - 80% Subject - 55%<br> DTI - Max - 50% Subject - <30% |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx |
| 590613 |  | C B A | Closed | FCRE7000 | 2026-02-13 14:37 | 2026-02-17 12:04 | 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-02/17/2026 <br> Ready for Review-Document Uploaded. Please see attached exception which was in the file. - Buyer-02/16/2026 <br> Open-Total Liquid Assets Available for Close of $xxx is less than Total Cash to Close $xxx. Total Liquid Assets Available for Close of $xxx xxx ck#xxx pgs xxx is less than Total Cash to Close $xxx found Final Disclosure pg xxx - Due Diligence Vendor-02/13/2026 |  | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-02/17/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.63% 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 55.01% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18.25 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 - 9.16 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 186210 |  | D A | Closed | FCRE1316 | 2026-02-10 16:50 | 2026-02-17 12:40 | 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-02/17/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-02/16/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Verbal VOE is required for employer on wager earner full doc, but one is not presently on file. Please provide 3rd party VOE as per guidelines of an exception to wave lender's guideline. - Due Diligence Vendor-02/10/2026 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-02/17/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Verified 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 - Verified Calculated DTI Of 39.92% 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 - Verified Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Verified Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Verified Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 23.50 Years<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Verified 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 19.45 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 319692 |  | C A | Closed | FCRE4963 | 2026-02-11 14:42 | 2026-03-26 14:40 | Resolved | 1 - Information C A | Credit | Liabilities | No evidence of required debt payoff | Resolved-Documentation including LOE and currency conversion provided. - Due Diligence Vendor-03/26/2026 <br> Ready for Review-Document Uploaded. REBUT-the $xxx in xxx dollars equates to approximate $xxx - $xxx in xxx dollars. The debt has been paid. PLEASE CLEAR - Buyer-03/25/2026 <br> Counter-Provide documentation from the courts allowing a much lesser payout as the Divorce Decree states pay a one-time settlement in the amount of $xxx - Due Diligence Vendor-03/23/2026 <br> Ready for Review-Document Uploaded. Please see attached and clear. - Buyer-03/22/2026 <br> Counter-The documentation provided does not reflect a transfer of $xxx - Missing documentation to support a lesser amount required. - Due Diligence Vendor-03/09/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-03/08/2026 <br> Open-Per the Divorce Decree the borrower was to pay a one-time settlement in the amount of $xxx, "as soon as possible and in any event no later than 30 days after execution of this Agreement". Please provide verification that obligation was met. - Due Diligence Vendor-02/11/2026 |  | Resolved-Documentation including LOE and currency conversion provided. - Due Diligence Vendor-03/26/2026<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Verified Original CLTV Of 64.86% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Borrower At Current Residence For Five (5) Or More Years - Verified 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 16.14 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 - Verified Calculated DTI Of 5.66% 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 - Verified Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Verified 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 - Verified Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.90 Years<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Verified Twenty-Four (24) Months Housing History Reviewed With No Late Payments |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 500989 |  | D A | Closed | FCRE1316 | 2026-02-13 06:21 | 2026-02-19 09:06 | 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-02/19/2026 <br> Ready for Review-Document Uploaded. - Seller-02/18/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing- GL: A verbal VOE from each employer within 10-days of the note date for wage and salaried employees - Due Diligence Vendor-02/13/2026 | Ready for Review-Document Uploaded. - Seller-02/18/2026<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-02/19/2026<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 - 8.50 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 34.66 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 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.10 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 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.10 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 500989 |  | D A | Closed | FCRE5782 | 2026-02-13 06:31 | 2026-02-18 12:58 | 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. - Seller-02/18/2026 <br>Open-Borrower 1 Gap Credit Report is Missing- Per GL_If report is required if Note date is greater than 30 days after the date of the credit report relied upon for underwriting. The gap credit report, soft-pull or final report for the undisclosed debt monitoring is to be dated within 30 days of the Note date. - Due Diligence Vendor-02/13/2026 | Ready for Review-Document Uploaded. - Seller-02/18/2026<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-02/18/2026<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 - 8.50 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 34.66 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 Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 13.10 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 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 13.10 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 178200 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 256891 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 767502 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 340071 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno |  |  |  |
| 506218 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 614230 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 368144 |  | D A | Closed | FCOM8891 | 2026-02-17 10:36 | 2026-02-19 08:30 | Resolved | 1 - Information C A | Compliance | Closing Package | Other Compliance | Resolved-FCD received, data entered, no additional compliance findings. - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Document Uploaded. - Seller-02/18/2026 <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. Thank you - Due Diligence Vendor-02/17/2026 | Ready for Review-Document Uploaded. - Seller-02/18/2026<br>| Resolved-FCD received, data entered, no additional compliance findings. - Due Diligence Vendor-02/19/2026<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 xxx 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 Is Below The Guideline Maximum By Ten Percent (10%) Or More Original LTV Of 31.35% 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 Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 0.85% 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 53.83 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 368144 |  | D A | Closed | FCOM1544 | 2026-02-17 10:34 | 2026-02-19 08:25 | Resolved | 1 - Information D A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-02/19/2026 <br>Ready for Review-Document Uploaded. - Seller-02/18/2026 <br>Open-TRID: Missing Final Closing Disclosure \*\*\*\*\*\*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. Thank you - Due Diligence Vendor-02/17/2026 | Ready for Review-Document Uploaded. - Seller-02/18/2026<br>| Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-02/19/2026<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 xxx 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 Is Below The Guideline Maximum By Ten Percent (10%) Or More Original LTV Of 31.35% 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 Is Less Than The Guideline Maximum By Five Percent (5%) Or More Calculated DTI Of 0.85% 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 53.83 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 936032 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 351821 |  | C A | Closed | FCOM7353 | 2026-02-18 15:00 | 2026-02-24 15:21 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Clarification of Application Date | Resolved-Received - Due Diligence Vendor-02/24/2026 <br> Ready for Review-Please see other cond for docs - Seller-02/23/2026 <br> Counter-\*\*Received Disclosure History and confirmation of the Application Date. Earliest issued LE in the file is dated xxx, which is not detailed in the disclosure history provided, lender to clarify. The lender claims the Initial LE was issued on xxx, we are still missing a copy of the same. Lender to provide along with the disclosure tracking information. - Due Diligence Vendor-02/22/2026 <br> Ready for Review-see other condition for documents - Seller-02/20/2026 <br> Open-\*\*Lender to confirm application date and provide copy of internal compliance test results for review. - Due Diligence Vendor-02/18/2026 | Ready for Review-Please see other cond for docs - Seller-02/23/2026 <br>Ready for Review-see other condition for documents - Seller-02/20/2026<br>| Resolved-Received - Due Diligence Vendor-02/24/2026<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 49.89% 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 19.83 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 - 18.56 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.56 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.25 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 351821 |  | C A | Closed | finding-3634 | 2026-02-18 14:31 | 2026-02-24 15:17 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-\*\*Received confirmation of application date and initial disclosure package. - Due Diligence Vendor-02/24/2026 <br> Resolved- - Due Diligence Vendor-02/24/2026 <br> Open- - Due Diligence Vendor-02/24/2026 <br> Ready for Review-Please see other cond for docs - Seller-02/23/2026 <br> Counter-\*\*Received Disclosure History and confirmation of the Application Date. Earliest issued LE in the file is dated xxx, which is not detailed in the disclosure history provided, lender to clarify. The lender claims the Initial LE was issued on xxx, we are still missing a copy of the same. Lender to provide along with the disclosure tracking information. - Due Diligence Vendor-02/22/2026 <br> Ready for Review-see other condition for documents - Seller-02/20/2026 <br> Open-\*\*Lender to provide a copy of their internal compliance test results for review, a copy of the initial package sent to the borrower within 3 business days of the application date that includes Initial LE and all initial disclosures. - 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 $xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-02/18/2026 <br> Open- - Due Diligence Vendor-02/18/2026 | Ready for Review-Please see other cond for docs - Seller-02/23/2026 <br>Ready for Review-see other condition for documents - Seller-02/20/2026<br>| Resolved-\*\*Received confirmation of application date and initial disclosure package. - Due Diligence Vendor-02/24/2026<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 49.89% 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 19.83 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 - 18.56 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.56 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.25 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 351821 |  | C A | Closed | finding-3631 | 2026-02-18 14:31 | 2026-02-24 15:17 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-\*\*Received confirmation of application date and initial disclosure package. - Due Diligence Vendor-02/24/2026 <br> Resolved- - Due Diligence Vendor-02/24/2026 <br> Open- - Due Diligence Vendor-02/24/2026 <br> Ready for Review-Please see other cond for docs - Seller-02/23/2026 <br> Counter-\*\*Received Disclosure History and confirmation of the Application Date. Earliest issued LE in the file is dated xxx, which is not detailed in the disclosure history provided, lender to clarify. The lender claims the Initial LE was issued on xxx, we are still missing a copy of the same. Lender to provide along with the disclosure tracking information. - Due Diligence Vendor-02/22/2026 <br> Ready for Review-see other condition for documents - Seller-02/20/2026 <br> Open-\*\*Lender to provide a copy of their internal compliance test results for review, a copy of the initial package sent to the borrower within 3 business days of the application date that includes Initial LE and all initial disclosures. - 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 | Ready for Review-Please see other cond for docs - Seller-02/23/2026 <br>Ready for Review-see other condition for documents - Seller-02/20/2026<br>| Resolved-\*\*Received confirmation of application date and initial disclosure package. - Due Diligence Vendor-02/24/2026<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 49.89% 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 19.83 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 - 18.56 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.56 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.25 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 351821 |  | C A | Closed | finding-3632 | 2026-02-18 14:31 | 2026-02-24 15:17 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-\*\*Received confirmation of application date and initial disclosure package. - Due Diligence Vendor-02/24/2026 <br> Resolved- - Due Diligence Vendor-02/24/2026 <br> Open- - Due Diligence Vendor-02/24/2026 <br> Ready for Review-Please see other cond for docs - Seller-02/23/2026 <br> Counter-\*\*Received Disclosure History and confirmation of the Application Date. Earliest issued LE in the file is dated xxx, which is not detailed in the disclosure history provided, lender to clarify. The lender claims the Initial LE was issued on xxx, we are still missing a copy of the same. Lender to provide along with the disclosure tracking information. - Due Diligence Vendor-02/22/2026 <br> Ready for Review-see other condition for documents - Seller-02/20/2026 <br> Open-\*\*Lender to provide a copy of their internal compliance test results for review, a copy of the initial package sent to the borrower within 3 business days of the application date that includes Initial LE and all initial disclosures. - 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 | Ready for Review-Please see other cond for docs - Seller-02/23/2026 <br>Ready for Review-see other condition for documents - Seller-02/20/2026<br>| Resolved-\*\*Received confirmation of application date and initial disclosure package. - Due Diligence Vendor-02/24/2026<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 49.89% 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 19.83 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 - 18.56 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.56 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.25 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 351821 |  | C A | Closed | finding-3635 | 2026-02-18 14:31 | 2026-02-24 15:17 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-\*\*Received confirmation of application date and initial disclosure package. - Due Diligence Vendor-02/24/2026 <br> Resolved- - Due Diligence Vendor-02/24/2026 <br> Open- - Due Diligence Vendor-02/24/2026 <br> Ready for Review-Please see other cond for docs - Seller-02/23/2026 <br> Counter-\*\*Received Disclosure History and confirmation of the Application Date. Earliest issued LE in the file is dated xxx, which is not detailed in the disclosure history provided, lender to clarify. The lender claims the Initial LE was issued on xxx, we are still missing a copy of the same. Lender to provide along with the disclosure tracking information. - Due Diligence Vendor-02/22/2026 <br> Ready for Review-see other condition for findings - Seller-02/20/2026 <br> Open-\*\*Lender to provide a copy of their internal compliance test results for review, a copy of the initial package sent to the borrower within 3 business days of the application date that includes Initial LE and all initial disclosures. - 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% ($xxx) exceed the comparable charges ($xxx) 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-02/18/2026 <br> Open- - Due Diligence Vendor-02/18/2026 | Ready for Review-Please see other cond for docs - Seller-02/23/2026 <br>Ready for Review-see other condition for findings - Seller-02/20/2026<br>| Resolved-\*\*Received confirmation of application date and initial disclosure package. - Due Diligence Vendor-02/24/2026<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 49.89% 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 19.83 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 - 18.56 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.56 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.25 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 351821 |  | C A | Closed | finding-3515 | 2026-02-18 14:31 | 2026-02-24 15:17 | Resolved | 1 - Information C A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-\*\*Received confirmation of application date and initial disclosure package. - Due Diligence Vendor-02/24/2026 <br> Resolved- - Due Diligence Vendor-02/24/2026 <br> Open- - Due Diligence Vendor-02/24/2026 <br> Ready for Review-Please see other cond for docs - Seller-02/23/2026 <br> Counter-\*\*Received Disclosure History and confirmation of the Application Date. Earliest issued LE in the file is dated xxx, which is not detailed in the disclosure history provided, lender to clarify. The lender claims the Initial LE was issued on xxx, we are still missing a copy of the same. Lender to provide along with the disclosure tracking information. - Due Diligence Vendor-02/22/2026 <br> Ready for Review-see other condition for findings - Seller-02/20/2026 <br> Open-\*\*Lender to provide a copy of their internal compliance test results for review, a copy of the initial package sent to the borrower within 3 business days of the application date that includes Initial LE and all initial disclosures. - Due Diligence Vendor-02/18/2026 <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 xxx, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $xxx, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on xxx 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, xxx calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. - Due Diligence Vendor-02/18/2026 <br> Open- - Due Diligence Vendor-02/18/2026 | Ready for Review-Please see other cond for docs - Seller-02/23/2026 <br>Ready for Review-see other condition for findings - Seller-02/20/2026<br>| Resolved-\*\*Received confirmation of application date and initial disclosure package. - Due Diligence Vendor-02/24/2026<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 49.89% 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 19.83 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 - 18.56 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.56 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.25 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 351821 |  | C A | Closed | finding-3367 | 2026-02-18 14:30 | 2026-02-24 15:17 | Resolved | 1 - Information B A | Compliance | Disclosures (Federal, State, and Data Dependent) | RESPA Homeownership Counseling Organizations Disclosure Date Test | Resolved-\*\*Received confirmation of application date and initial disclosure package. - Due Diligence Vendor-02/24/2026 <br> Resolved- - Due Diligence Vendor-02/24/2026 <br> Open- - Due Diligence Vendor-02/24/2026 <br> Ready for Review-Document Uploaded. Please see page 1 for document date xxx; send date xxx and Pre-Z send date xxx. Page xxx is the start of the LE dated xxx. - Seller-02/23/2026 <br> Counter-\*\*Received Disclosure History and confirmation of the Application Date. Earliest issued LE in the file is dated xxx, which is not detailed in the disclosure history provided, lender to clarify. The lender claims the Initial LE was issued on xxx, we are still missing a copy of the same. Lender to provide along with the disclosure tracking information. - Due Diligence Vendor-02/22/2026 <br> Ready for Review-The documents are over a 5 day period however it was on a Friday with the LE being issues on a Wednesday. - Seller-02/20/2026 <br> Ready for Review-Document Uploaded. - Seller-02/20/2026 <br> Open-\*\*Lender to provide a copy of their internal compliance test results for review, a copy of the initial package sent to the borrower within 3 business days of the application date that includes Initial LE and all initial disclosures. - Due Diligence Vendor-02/18/2026 <br> Open- - Due Diligence Vendor-02/18/2026 <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 xxx for lenders to use in complying with the requirements of this section; or(2)Data made available by the xxx 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 xxx NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.Please note: This test does not validate the content of any list of homeownership counseling organizations. - Due Diligence Vendor-02/18/2026 <br> Open- - Due Diligence Vendor-02/18/2026 | Ready for Review-Document Uploaded. Please see page 1 for document date xxx; send date xxx and Pre-Z send date xxx. Page 43 is the start of the LE dated xxx. - Seller-02/23/2026 <br> Ready for Review-The documents are over a 5 day period however it was on a Friday with the LE being issues on a Wednesday. - Seller-02/20/2026 <br> Ready for Review-Document Uploaded. - Seller-02/20/2026 | Resolved-\*\*Received confirmation of application date and initial disclosure package. - Due Diligence Vendor-02/24/2026<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 49.89% 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 19.83 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 - 18.56 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.56 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.25 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 351821 |  | C A | Closed | FCRE1159 | 2026-02-13 23:54 | 2026-02-20 11:36 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Document Uploaded. - Seller-02/19/2026 <br> Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx - Due Diligence Vendor-02/14/2026 | Ready for Review-Document Uploaded. - Seller-02/19/2026<br>| Resolved-Hazard Insurance Effective Date of xxx is prior to or equal to the Disbursement Date of xxx Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-02/20/2026 | Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 49.89% 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 19.83 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 - 18.56 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 18.56 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.25 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 339970 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 623136 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 898049 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 671657 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 842468 |  | D A | Closed | FCRE1334 | 2026-02-18 18:13 | 2026-02-23 12:30 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 Executed 4506-T Missing | Resolved-Borrower 1 Executed 4506-T Resolved - Due Diligence Vendor-02/23/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-02/22/2026 <br> Open-Borrower 1 Executed 4506-T Missing 4506C is missing for borrower 1. - Due Diligence Vendor-02/18/2026 |  | Resolved-Borrower 1 Executed 4506-T Resolved - Due Diligence Vendor-02/23/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 7.47 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 - 29.60 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 - 11.27 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 - 29.60 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 59.56% 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 44.68% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 202845 |  | D A C | Closed | FVAL1310 | 2026-02-17 15:54 | 2026-02-23 11:44 | Resolved | 1 - Information D A | Credit | Missing Doc | HOA Questionnaire is Missing or incomplete | Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-02/23/2026 <br> Ready for Review-Rebut - Site Condo. Questionnaire not required. - Buyer-02/22/2026 <br> Open-HOA Questionnaire Document status is Missing. - Due Diligence Vendor-02/18/2026 |  | Resolved-HOA Questionnaire is Provided - Due Diligence Vendor-02/23/2026<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 56.5% Is Below the Guideline Maximum Of 75% 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 - 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<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 45.03 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 41.34% 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 - 8.00 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 176350 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 304060 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 611348 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 504089 |  | D A | Closed | FCRE9163 | 2026-02-19 11:26 | 2026-02-23 11:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Updated Credit Report Supplement | Resolved-newly closed Loan Note provided - Due Diligence Vendor-02/23/2026 <br> Ready for Review-Document Uploaded. Please see attached. Final payment was lower than estimated. - Buyer-02/22/2026 <br> Open-Provide documentation evidencing the monthly payment of $xxx for xxx account #xxx. - Due Diligence Vendor-02/19/2026 |  | Resolved-newly closed Loan Note provided - Due Diligence Vendor-02/23/2026<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 - 16.98 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 - 16.98 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.35% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.87 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 - 38 Years |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 504089 |  | D A | Closed | FCRE1316 | 2026-02-18 17:09 | 2026-02-23 11:15 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-02/23/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-02/22/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing Borrower 1 3rd Party VOE prior to close: For self-employed borrowers, provide verification of business existence dated within 30 days of the Note using one of the following—letter from a business tax professional, online verification from a regulatory agency/licensing bureau, or third-party certification via direct contact or internet search (per GL 8.4.1); - Due Diligence Vendor-02/18/2026 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-02/23/2026<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 - 16.98 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 - 16.98 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 22.35% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.87 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 - 38 Years |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 440592 |  | D A | Closed | FCRE2994 | 2026-02-23 10:22 | 2026-03-03 10:20 | Resolved | 1 - Information C A | Credit | Eligibility | DTI (Back) Ratio does not meet eligibility requirement(s) | Resolved-Updated 1008 with audited DTI provided. - Due Diligence Vendor-03/03/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-03/01/2026 <br> Open-Document Uploaded. - Due Diligence Vendor-02/23/2026 <br> Open-Updated 1008 with Audited DTI required. - Lenders 1008 states DTI at 30.485% with an Income of $xxx however the Audited DTI is 37.98% with an Audited Income of $xxx / This is due to the Lender used 26 Months of B/S which includes xxx deposit of $xxx. (see doc attached) Loan was approved using 12 Months of B/S = 2 sets of 24 months B/S for 2 Businesses was used. - Due Diligence Vendor-02/23/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/01/2026<br>| Resolved-Updated 1008 with audited DTI provided. - Due Diligence Vendor-03/03/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 63.22 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 79.82% Is Below the Guideline Maximum Of 90% 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 - 26.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.98% 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 - 11.10 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 440592 |  | D A | Closed | FCRE1205 | 2026-02-19 18:09 | 2026-03-03 10:19 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-03/03/2026 <br> Ready for Review-Document Uploaded. Rebut-this alert was cleared. There is no relation between the CPA and the name on the OFAC list. It just so happens that a portion of the name as the company on the list. Please clear this. - Seller-03/01/2026 <br> Counter-The condition is for OFAC High Alert not cleared. - Due Diligence Vendor-02/23/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-02/22/2026 <br> Open-OFAC Check Not Completed and/or Cleared The OFAC alert for possible match was not cleared on the Drive Report on page xxx. - Due Diligence Vendor-02/19/2026 | Ready for Review-Document Uploaded. Rebut-this alert was cleared. There is no relation between the CPA and the name on the OFAC list. It just so happens that a portion of the name as the company on the list. Please clear this. - Seller-03/01/2026 | Resolved-OFAC Check Completed and Cleared - Due Diligence Vendor-03/03/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 63.22 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 79.82% Is Below the Guideline Maximum Of 90% 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 - 26.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.98% 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 - 11.10 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 440592 |  | D A | Closed | FCRE1182 | 2026-02-18 17:35 | 2026-02-23 10:24 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Underwriting Summary Not Provided | Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/23/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-02/22/2026 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-02/18/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-02/22/2026<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-02/23/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 63.22 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 79.82% Is Below the Guideline Maximum Of 90% 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 - 26.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.98% 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 - 11.10 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 440592 |  | D A | Closed | FCRE3464 | 2026-02-19 18:49 | 2026-02-23 10:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Closing/Final Verbal VOE | Resolved-Entity documents provided - Due Diligence Vendor-02/23/2026 <br> Ready for Review-Document Uploaded. Please see attached - Buyer-02/22/2026 <br> Open-The loan file is missing third party self employed verification that xxx business exists. The lender did not obtain a third party verification for Corp Filings. A secretary of state corporation search of xxx with xxx as member with the xxx reflects the business status is inactive, in State: xxx, under State ID: xxx. However, income was used from this business for qualifying. - Due Diligence Vendor-02/19/2026 |  | Resolved-Entity documents provided - Due Diligence Vendor-02/23/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 63.22 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 79.82% Is Below the Guideline Maximum Of 90% 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 - 26.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.98% 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 - 11.10 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 297938 |  | B A | Closed | FCRE7347 | 2026-02-19 00:39 | 2026-02-20 10:51 | Waived | 2 - Non-Material B | Credit | Missing Doc | Missing Lease Agreement | Waived-Lease Agreement is missing for 'xxx' - Due Diligence Vendor-02/19/2026 |  | Waived-Lease Agreement is missing for 'xxx' - 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 - 19.01 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 - 19.01 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.57% 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 58.55 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 62.5% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | QC waived the condition because the loan was qualified at origination with the full PITIA for the subject property and auditor proceeded as such. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | No | xxx |
| 691099 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 514865 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 835883 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 157326 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 427039 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno |  |  |  |
| 250055 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 289828 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 460884 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 446888 |  | D A | Closed | FCRE5782 | 2026-02-19 14:00 | 2026-03-05 10:45 | 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. - Seller-03/05/2026 <br> Open-Borrower 1 Gap Credit Report is Missing Per GL's: a Gap Report is required with the Credit Report is dated outside of 30 days of the Note date. Credit Report date is xxx. Note date is xxx. Please provide Gap report. - Due Diligence Vendor-02/19/2026 | Ready for Review-Document Uploaded. - Seller-03/05/2026<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/05/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.95% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.82 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.42 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 - 10.82 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 531779 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 476038 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 157072 |  | D A C | Closed | FVAL9739 | 2026-02-19 21:53 | 2026-03-03 10:15 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-PDI dated 2.25.26 stating Free and clear of disaster related damage - Due Diligence Vendor-03/03/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-03/01/2026 <br> Open-Provide PDI (post-disaster inspection): Audit review of xxx indicates the AVM & PCI for xxx were completed on xxx, prior to the xxx Severe Winter Storm (xxx; incident period beginning xxx, declared xxx). xxx is designated for Individual Assistance. FEMA disaster status may be verified at xxx<br> . - Due Diligence Vendor-02/20/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/01/2026<br>| Resolved-PDI dated xxx stating Free and clear of disaster related damage - Due Diligence Vendor-03/03/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 14.97% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 79.36% 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 - 9.50 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 41.93 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 157072 |  | D A C | Closed | FCOM1231 | 2026-02-19 06:44 | 2026-02-26 08:43 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-02/26/2026 <br> Ready for Review-Document Uploaded. - Buyer-02/24/2026 <br> Open-The Initial 1003 is Missing Missing B1's Initial 1003 dated xxx. - Due Diligence Vendor-02/19/2026 |  | Resolved-The Initial 1003 is Present - Due Diligence Vendor-02/26/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 14.97% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 79.36% 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 - 9.50 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 41.93 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 157072 |  | D A C | Closed | finding-47 | 2026-02-19 15:11 | 2026-02-24 16:05 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-\*\*Received explanation - Due Diligence Vendor-02/24/2026 <br> Resolved- - Due Diligence Vendor-02/24/2026 <br> Ready for Review-Document Uploaded. see attached. - Buyer-02/23/2026 <br> Open- - Due Diligence Vendor-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 shows a funding date of xxx - 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-02/20/2026 <br> Open- - Due Diligence Vendor-02/19/2026 |  | Resolved-\*\*Received explanation - Due Diligence Vendor-02/24/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 14.97% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 79.36% 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 - 9.50 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 41.93 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 157072 |  | D A C | Closed | FCRE7497 | 2026-02-19 21:57 | 2026-02-23 09:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Mortgage statement (escrowed) provided - Due Diligence Vendor-02/23/2026 <br> Ready for Review-Document Uploaded. Please see attached which was in the file. - Buyer-02/22/2026 <br> Open-Verify mortgage payment for xxx (xxx) includes real estate taxes and homeowners insurance. - Due Diligence Vendor-02/20/2026 |  | Resolved-Mortgage statement (escrowed) provided - Due Diligence Vendor-02/23/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 14.97% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 79.36% 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 - 9.50 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 41.93 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 222628 |  | D B A C | Closed | FCOM1220 | 2026-02-19 09:15 | 2026-02-23 07:50 | 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-02/23/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-02/22/2026 <br> Open-The Deed of Trust is Missing Missing fully executed and notarized Deed of Trust dated xxx for the 2nd mortgage in the amount of $xxx. - Due Diligence Vendor-02/19/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-02/22/2026<br>| Resolved-The Deed of Trust is Present - Due Diligence Vendor-02/23/2026<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 0.13<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> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.75% 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 20.82 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 - 12.21 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 - 12.06 Years<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 8.95% 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 xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 222628 |  | D B A C | Closed | FCRE1316 | 2026-02-19 10:28 | 2026-02-23 07:50 | 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-02/23/2026 <br>Ready for Review-Document Uploaded. The CPA letter in the file was dated within 30 days of the note date and sufficed, but please see attached. - Buyer-02/22/2026 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-02/19/2026 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-02/23/2026<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 0.13<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> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.75% 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 20.82 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 - 12.21 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 - 12.06 Years<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 8.95% 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 xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | Missing a copy of the third-party VVOE prior to closing: <br> For self-employed borrowers, provide verification of business existence dated within 30 days of the Note using one of the following—letter from a business tax professional, online verification from a regulatory agency/licensing bureau, or third-party certification via direct contact or internet search (per GL 8.5). | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 222628 |  | D B A C | Closed | FCRE7497 | 2026-02-19 20:16 | 2026-02-23 07:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-REO docs provided no HOA - Due Diligence Vendor-02/23/2026 <br> Ready for Review-Document Uploaded. Please see attached. Both are SFRs-no HOA dues - Buyer-02/22/2026 <br> Open-Borrower to verify REO properties xxx and xxx have an HOA payment or not. - Due Diligence Vendor-02/20/2026 |  | Resolved-REO docs provided no HOA - Due Diligence Vendor-02/23/2026<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 0.13<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> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.75% 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 20.82 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 - 12.21 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 - 12.06 Years<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 8.95% 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 xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 222628 |  | D B A C | Closed | FVAL9739 | 2026-02-19 20:19 | 2026-02-23 07:48 | Waived | 2 - Non-Material C B | Property | Appraisal | Property/Appraisal General | Waived-Exception granted with supporting comp factors: Exception needed for "unique" property. Additional structures permitted but not given value. Property Value is supported - Due Diligence Vendor-02/23/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-02/22/2026 <br>Open-Missing lender exception for detached non-ADU structure and existing attached ADU on the subject property. - Due Diligence Vendor-02/20/2026 |  | Waived-Exception granted with supporting comp factors: Exception needed for "unique" property. Additional structures permitted but not given value. Property Value is supported - Due Diligence Vendor-02/23/2026<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 0.13<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> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 21.75% 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 20.82 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 - 12.21 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 - 12.06 Years<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 8.95% 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 xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | LTV - Max - 70% Subj - 57%<br> Mrtg - Multiple accounts with history dating back to xxx. No lates reported | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxx |
| 974533 |  | D B A C | Closed | FCRE1193 | 2026-02-20 16:28 | 2026-02-23 08:25 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 39.38% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-02/23/2026 <br> Ready for Review-Document Uploaded. Rebut-please see attached 1008 that includes the HELOC payment for the primary residence. Otherwise, the remaining payments for the other REOs are all paid out of the business account and are sufficiently documented. - Buyer-02/22/2026 <br> Open-Audited DTI of 57.67% exceeds Guideline DTI of 50% DTI variance from 34.210% (1008) to 51.47% (Audit) is due to increased negative rental income from -$xxx to -$xxx, driven by added mortgage payments: $xxx for xxx (xxx/xxx/xxx, xxx pg. 163), $xxx for xxx (xxx acct xxx, mtg stmt pg. xxx), and $xxx for xxx (xxx xxx xxx, mtg stmt pg. xxx).<br> Additionally, xxx acct xxx (2nd xxx) was updated from $xxx to $xxx per Final 1003 and xxx pg. 164, <br> and the primary housing expense was increased to include the xxx mortgage payment, bringing total housing from $xxx to $xxx ($xxx + $xxx), which was not previously included in DTI. - Due Diligence Vendor-02/20/2026 |  | Resolved-Audited DTI of 39.38% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-02/23/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.78 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 21.00 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 - 20.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.51 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 xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.38% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 974533 |  | D B A C | Closed | FVAL2477 | 2026-02-20 15:57 | 2026-02-23 08:03 | Waived | 2 - Non-Material C B | Property | Appraisal | Appraisal incomplete (missing map, layout, pages, etc.) | Waived-Exception granted with supporting comp factors: Exception needed for PCI not coming from one of our approved vendors. Information on report is complete - Due Diligence Vendor-02/23/2026 <br> Ready for Review-Document Uploaded. Please see attached PCI and exception made since it wasn't from one of our approved vendors. - Buyer-02/22/2026 <br> Open-Provide the Property Condition Inspection report supporting the AVM for the subject property located at xxx per GL 3.1.1; - Due Diligence Vendor-02/20/2026 |  | Waived-Exception granted with supporting comp factors: Exception needed for PCI not coming from one of our approved vendors. Information on report is complete - Due Diligence Vendor-02/23/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.02<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.78 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 21.00 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 - 20.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.51 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 xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.38% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | DTI - Max - 50% Subject -34%<br> Mrtg - Numerous accounts, with history dating back to xxx. No lates in the last 36+ months. | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | xxx |
| 898791 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 300554 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 791920 |  | D A | Closed | FCRE3653 | 2026-02-20 11:57 | 2026-02-26 13:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Cash out letter provided - Due Diligence Vendor-02/26/2026 <br>Ready for Review-Document Uploaded. - Seller-02/25/2026 <br>Open-Missing Letter of Explanation: Provide a Letter of Explanation detailing the use of loan proceeds for this cash-out refinance transaction in accordance with GL 4.1.2. - Due Diligence Vendor-02/20/2026 | Ready for Review-Document Uploaded. - Seller-02/25/2026<br>| Resolved-Cash out letter provided - Due Diligence Vendor-02/26/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.83 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.43% 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 - 8.39 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 52.97% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxx |
| 145463 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 925136 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 114988 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Not Applicable | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 775875 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 607594 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 888911 |  | B A | Closed | FCOM1266 | 2026-02-23 05:59 | 2026-02-25 09:24 | 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-02/25/2026 <br>Ready for Review-Document Uploaded. here you go. - Buyer-02/24/2026 <br>Open-Homeownership Counseling Disclosure Is Missing \*\*\*\*\* Please provide entire initial disclosure package for review - Due Diligence Vendor-02/24/2026 |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable \*\*Received disclosure - Due Diligence Vendor-02/25/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.12<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 79.94% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 19.91 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 14.09% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 785980 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 895476 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 465350 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 351004 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 472905 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 496438 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 774056 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 853793 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 963571 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 548067 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 885252 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 308023 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 262230 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 306256 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 491038 |  | D A | Closed | FPRO1242 | 2026-02-22 23:15 | 2026-02-25 12:49 | Resolved | 1 - Information D A | Property | Missing Doc - Appraisal | Appraisal is Missing | Resolved-Appraisal has been provided - Due Diligence Vendor-02/25/2026 <br>Ready for Review-Document Uploaded. - Seller-02/25/2026 <br>Open-Appraisal is Missing - Due Diligence Vendor-02/23/2026 | Ready for Review-Document Uploaded. - Seller-02/25/2026<br>| Resolved-Appraisal has been provided - Due Diligence Vendor-02/25/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.14<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 72.63 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 - 6.71 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 587961 |  | C A | Closed | finding-47 | 2026-02-24 15:16 | 2026-02-27 11:32 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD - Due Diligence Vendor-02/27/2026 <br> Resolved- - Due Diligence Vendor-02/27/2026 <br> Ready for Review-Document Uploaded. - Seller-02/26/2026 <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 xxx - 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-02/25/2026 <br> Open- - Due Diligence Vendor-02/24/2026 | Ready for Review-Document Uploaded. - Seller-02/26/2026<br>| Resolved-Received PCCD - Due Diligence Vendor-02/27/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points Qualifying FICO Of 815 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 - 28.14 Years Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 28.14 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 - 14.01 Years Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.01 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 - 28.13 Years Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 28.13 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 25.00 Years Borrower At Current Residence For Five (5) Or More Years - 25.00 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 51.12% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More Original CLTV Of 51.12% 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 32.26% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 32.26% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 504106 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 933272 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 455365 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 365260 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 716432 |  | D A C | Closed | FCOM8891 | 2026-02-26 15:28 | 2026-03-03 11:21 | Resolved | 1 - Information C A | Compliance | Closing Package | Other Compliance | Resolved-\*\*Received Final CD - Due Diligence Vendor-03/03/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-03/01/2026 <br>Open-\*\*\*\* Borrower(s) executed Final Closing Disclosure, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-02/26/2026 |  | Resolved-\*\*Received Final CD - Due Diligence Vendor-03/03/2026<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 - 16.99 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 - 16.98 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.21% 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 - 12 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 716432 |  | D A C | Closed | FCOM1544 | 2026-02-25 04:28 | 2026-03-03 11:13 | Resolved | 1 - Information D A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-TRID: Final Closing Disclosure Provided \*\*\*\*Received Final CD - Due Diligence Vendor-03/03/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-03/01/2026 <br>Open-TRID: Missing Final Closing Disclosure \*\*\*\*\*\*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. Thank you - Due Diligence Vendor-02/26/2026 |  | Resolved-TRID: Final Closing Disclosure Provided \*\*\*\*Received Final CD - Due Diligence Vendor-03/03/2026<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 - 16.99 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 - 16.98 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.21% 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 - 12 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 752059 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 763641 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 714441 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 619875 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 210119 |  | D A | Closed | FCRE5116 | 2026-02-26 10:19 | 2026-03-04 10:18 | 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-03/04/2026 <br> Resolved- - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Document Uploaded. 3 additional mos. rental payments. - Seller-03/02/2026 <br> Counter-Document Uploaded. Final 1003 states borrower has been renting at xxx for the last 1.9 yrs - Full 12 months Rental history required. - Due Diligence Vendor-03/02/2026 <br> Ready for Review-Document Uploaded. Lease attached – rents started 05-2025<br>Verification of rents pd starting xxx - Seller-02/26/2026 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. BWR primary renting $xxx/mth. There was no VOR or cancelled checks; per guides A satisfactory housing payment history for the previous twelve (12) months is required for the <br> borrower's primary residence, as well as the subject property. If housing payment history(s) are <br> verified using a VOM or VOR (private mortgage, landlord, etc.), no additional documentation (e.g. <br> cancelled checks) is required. Any housing event or mortgage tradeline delinquency reported on <br> the credit report for any property owned by the borrower needs to be included in the housing <br> history eligibility. For any non-subject property, non-primary mortgages not reporting to the credit <br> bureau, additional housing history is not required. - Due Diligence Vendor-02/26/2026 | Ready for Review-Document Uploaded. 3 additional mos. rental payments. - Seller-03/02/2026 <br> Ready for Review-Document Uploaded. Lease attached – rents started 05-2025<br>Verification of rents pd starting xxx - Seller-02/26/2026 | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-03/04/2026<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 58.02% Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More Original CLTV Of 58.02% 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 xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points Qualifying FICO Of 746 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 684669 |  | C B A | Closed | FCOM1291 | 2026-02-26 12:29 | 2026-02-27 16:59 | 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-xxx is located in xxx, which has a substantially similar notice, defense. Downgrading to EV-2 - Due Diligence Vendor-02/27/2026 <br> Ready for Review-Our compliance department states, that when a prior transaction is sold, servicing released, and we have no control of the prior loan, even if originated by xxx, we use the model form. If the existing loan is still with xxx, or an affiliated company then we use H-9, or if sold on a servicing retained basis. - Seller-02/27/2026 <br> Counter-Received lender's response regarding the H8 form. For clarification purposes, the executed Notice of Right to Cancel provided in the original file is in the H8 form model, which is used for a refinance with a new creditor. As confirmed by the title document in the original file and the lender's response, the prior second lien was originated by xxx.The subject refinance is being originated by xxx as well which is considered a same lender refinance hence the reason that the correct NORTC form model to have been used is the H9. Lender to consult with internal legal/compliance dept.<br> - Due Diligence Vendor-02/27/2026 <br> Ready for Review-The loan was not serviced by xxx at the time of funding. The H-8 form covers "monies currently due to us" and that it does not affect that amount. The borrower at the time of funding had not funds due to xxx, and xxx, xxx, & xxx are not related parties. H-8 would not be used just because we originated the prior loan. - Seller-02/26/2026 <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-02/26/2026 | Ready for Review-Our compliance department states, that when a prior transaction is sold, servicing released, and we have no control of the prior loan, even if originated by xxx, we use the model form. If the existing loan is still with xxx, or an affiliated company then we use H-9, or if sold on a servicing retained basis. - Seller-02/27/2026 <br> Ready for Review-The loan was not serviced by xxx at the time of funding. The H-8 form covers "monies currently due to us" and that it does not affect that amount. The borrower at the time of funding had not funds due to xxx, and xxx,xxx, & xxx are not related parties. H-8 would not be used just because we originated the prior loan. - Seller-02/26/2026 | Waived-xxx is located in xxx, which has a substantially similar notice, defense. Downgrading to EV-2 - Due Diligence Vendor-02/27/2026 | 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 - 10.85 Years<br> Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 72.18% 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 - 6.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.13% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxx |
| 885026 |  | D B A | Closed | FPRO1245 | 2026-02-25 09:15 | 2026-02-27 10:50 | Waived | 2 - Non-Material C B | Credit | Eligibility | Appraisal is Expired | Waived-Exception needed for recert of value dated after the 120-day mark of the appraisal. - Due Diligence Vendor-02/27/2026 <br>Open-Primary Value Appraisal is Expired - Due Diligence Vendor-02/25/2026 |  | Waived-Exception needed for recert of value dated after the 120-day mark of the appraisal. - Due Diligence Vendor-02/27/2026<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 - 27.33 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.02 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 31.64% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | Comp Factor #1 DTI Max - 50% Subject - 33%<br> Comp Factor #2 Credit History, including numerous mortgages dating back to xxx. No lates on report. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx |
| 298435 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 614687 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 811571 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 727051 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 334150 |  | D B A C | Closed | FCRE3653 | 2026-02-26 20:19 | 2026-03-09 11:26 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing letter of explanation | Waived-Exception granted with supporting comp factors: Exception needed for xxx rent payment not equaliing xxx+. Missing LOE. Proof of xxx in file. - Due Diligence Vendor-03/09/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-03/08/2026 <br> Open-Provide a signed LOE addressing the xxx rental income variance and documentation supporting receipt of the full $xxx lease amount.<br>xxx reflects $xxx received (xxx deposit into xxx). Current LOE references xxx and does not address this variance. Per GL 8.10.3, higher lease rent requires evidence of the most recent three (3) months' receipt. - Due Diligence Vendor-02/27/2026 |  | Waived-Exception granted with supporting comp factors: Exception needed for Jan rent payment not equaliing xxx+. Missing LOE. Proof of xxx in file. - Due Diligence Vendor-03/09/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.43 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 xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | LTV Max - 80% Subject - 72%<br> Mtg - Multiple accounts with history dating back to xxx. No lates reported on any of the trades | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Home Improvement/Reno | Originator Post-Close | Yes | xxx |
| 334150 |  | D B A C | Closed | FVAL9739 | 2026-02-26 20:10 | 2026-03-04 16:24 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Lender provided - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-03/04/2026 <br> Open-Provide a Property Condition Inspection report from xxx for xxx. - Due Diligence Vendor-02/27/2026 |  | Resolved-Lender provided - Due Diligence Vendor-03/04/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.43 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 xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxx |
| 505355 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 653226 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 193578 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 114271 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 286632 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |  |
| 238981 |  | D A | Closed | FCRE1347 | 2026-02-27 17:43 | 2026-03-09 11:44 | 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-03/09/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-03/08/2026 <br> Open-Borrower 2 3rd Party VOE Prior to Close Missing Provide B2's verbal VOE from employer (xxx / xxx.) completed within 10 days of the Note date for wage and salaried employees. Per GL 8.4.1 Full Doc for Stand-Alone / Other Requirements; - Due Diligence Vendor-02/27/2026 |  | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-03/09/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.54% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Borrower 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 - 6.13 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.17 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 - 5.42 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 238981 |  | D A | Closed | FCRE9549 | 2026-02-27 18:31 | 2026-03-03 08:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Credit Report Supplement is missing | Resolved-xxx (solar) monthly payment was added to the Debts and Updated 1008 provided - Due Diligence Vendor-03/03/2026 <br> Ready for Review-Document Uploaded. Please see attached. Monthly payment added to the DTI. - Buyer-02/28/2026 <br> Open-Provide documentation evidencing the monthly payment for the leased/financed solar panels.<br>Per the Appraisal Report, the property reflects leased/financed solar panels. The monthly obligation must be documented and included in the borrower's DTI calculation, as applicable, in accordance with GL maximum DTI of 50%. - Due Diligence Vendor-02/27/2026 |  | Resolved-Sunrun (solar) monthly payment was added to the Debts and Updated 1008 provided - Due Diligence Vendor-03/03/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.54% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Borrower 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 - 6.13 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 16.17 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 - 5.42 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 177640 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 841991 |  | C A | Closed | finding-3634 | 2026-02-27 18:48 | 2026-03-13 11:52 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-\*\*Received Revised LE - Due Diligence Vendor-03/13/2026 <br> Resolved- - Due Diligence Vendor-03/13/2026 <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 $xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-03/13/2026 <br> Open- - Due Diligence Vendor-03/13/2026 <br> Ready for Review-Document Uploaded. - Seller-03/13/2026 <br> Counter-\*\*\*The COC referenced that is in the original file has a date of change of xxx and Revised LE issued xxx. However, the Rate Lock-In Agreement shows that the rate lock-in date is xxx. The revised LE issued xxx was issued more than 3 business days from the rate lock date of xxx. - 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 $xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). \*\*\*\*\*Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (documentation disclose xxx date), advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxx. Rate dependent charge changes subject to 0% tolerance total $xxx. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-02/27/2026 <br> Open- - Due Diligence Vendor-02/27/2026 | Ready for Review-Document Uploaded. - Seller-03/13/2026<br>| Resolved-\*\*Received Revised LE - Due Diligence Vendor-03/13/2026<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - validated Original CLTV Of 54.3% 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 - validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - validated Months Reserves Of 61.65 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 841991 |  | C A | Closed | finding-3631 | 2026-02-27 18:48 | 2026-03-13 11:52 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-\*\*Received Revised LE - Due Diligence Vendor-03/13/2026 <br> Resolved- - Due Diligence Vendor-03/13/2026 <br> Open- - Due Diligence Vendor-03/13/2026 <br> Ready for Review-Document Uploaded. - Seller-03/13/2026 <br> Counter-\*\*\*The COC referenced that is in the original file has a date of change of xxx and Revised LE issued xxx. However, the Rate Lock-In Agreement shows that the rate lock-in date is xxx. The revised LE issued xxx was issued more than 3 business days from the rate lock date of xxx. - 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. •\*\*\*\*Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (documentation disclose xxx date), advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxx. Rate dependent charge changes subject to 0% tolerance total $xxx. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-02/27/2026 <br> Open- - Due Diligence Vendor-02/27/2026 | Ready for Review-Document Uploaded. - Seller-03/13/2026<br>| Resolved-\*\*Received Revised LE - Due Diligence Vendor-03/13/2026<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - validated Original CLTV Of 54.3% 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 - validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - validated Months Reserves Of 61.65 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 841991 |  | C A | Closed | finding-3632 | 2026-02-27 18:48 | 2026-03-13 11:52 | 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-03/13/2026 <br> Resolved- - Due Diligence Vendor-03/13/2026 <br> Open- - Due Diligence Vendor-03/13/2026 <br> Ready for Review-Document Uploaded. - Seller-03/13/2026 <br> Counter-\*\*\*The COC referenced that is in the original file has a date of change of xxx and Revised LE issued xxx. However, the Rate Lock-In Agreement shows that the rate lock-in date is xxx. The revised LE issued xxx was issued more than 3 business days from the rate lock date of xxx. - 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. \*\*\*\*Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (documentation disclose xxx date), advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxx. Rate dependent charge changes subject to 0% tolerance total $xxx. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-02/27/2026 <br> Open- - Due Diligence Vendor-02/27/2026 | Ready for Review-Document Uploaded. - Seller-03/13/2026<br>| Resolved-\*\*Received Revised LE - Due Diligence Vendor-03/13/2026<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - validated Original CLTV Of 54.3% 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 - validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - validated Months Reserves Of 61.65 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 841991 |  | C A | Closed | finding-3939 | 2026-02-27 18:25 | 2026-03-13 11:46 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved- - Due Diligence Vendor-03/13/2026 <br> Resolved- - Due Diligence Vendor-03/13/2026 <br> Ready for Review-Document Uploaded. - Seller-03/13/2026 <br> Counter-\*\*\*The COC referenced that is in the original file has a date of change of xxx and Revised LE issued xxx. However, the Rate Lock-In Agreement shows that the rate lock-in date is xxx. The revised LE issued xxx was issued more than 3 business days from the rate lock date of xxx. - Due Diligence Vendor-03/03/2026 <br> Ready for Review-Can you please clarify this condition? A copy of the COC and LE were provided in the closed-loan package, starting on page xxx of xxx. - Seller-03/02/2026 <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 xxx. \*\*\*\*\*\*Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (documentation disclose xxx date), advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxx. Rate dependent charge changes subject to 0% tolerance total $xxx. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-02/27/2026 <br> Open- - Due Diligence Vendor-02/27/2026 <br> Open- - Due Diligence Vendor-02/27/2026 <br> Open- - Due Diligence Vendor-02/27/2026 | Ready for Review-Document Uploaded. - Seller-03/13/2026 <br>Ready for Review-Can you please clarify this condition? A copy of the COC and LE were provided in the closed-loan package, starting on page 1052 of 1309. - Seller-03/02/2026<br>| Resolved- - Due Diligence Vendor-03/13/2026<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - validated Original CLTV Of 54.3% 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 - validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.19<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - validated Months Reserves Of 61.65 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 475102 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 401993 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 811840 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 301234 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 144055 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 803032 |  | D A | Closed | FCRE1815 | 2026-02-28 16:11 | 2026-03-03 08:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Incomplete | Resolved-Entity documents provided sole ownership - Due Diligence Vendor-03/03/2026 <br> Ready for Review-Document Uploaded. Rebut-on indication of the numerous State filings or company website that there is any other owner than our borrower. Our requirements were met. - Buyer-02/28/2026 <br> Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Provide documentation confirming the borrower's sole ownership percentage and signing authority for xxx.<br>The Articles of Organization indicate "one or more managers" of the LLC. While other documentation reflects B1 as the registered agent, this does not evidence ownership percentage. Clarification and supporting documentation (e.g., Operating Agreement, Corporate Resolution, or Membership Certificate) are required to confirm sole ownership and authority. - Due Diligence Vendor-02/28/2026 |  | Resolved-Entity documents provided sole ownership - Due Diligence Vendor-03/03/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - <br> Calculated DTI Of 26.53% 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 - <br> Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - <br> 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 - <br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.73 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 - 22.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - <br> Months Reserves Of 21.06 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 54.49% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 490728 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 322307 |  | D A | Closed | FCRE1145 | 2026-03-02 00:19 | 2026-03-05 14:00 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document Missing | Resolved-Prelim is fully present. - Due Diligence Vendor-03/05/2026 <br>Ready for Review- - Due Diligence Vendor-03/05/2026 <br>Open-Title Document is missing - Due Diligence Vendor-03/04/2026 <br>Ready for Review-Document Uploaded. - Buyer-03/04/2026 <br>Open-Title Document is missing - Due Diligence Vendor-03/02/2026 |  | Resolved-Prelim is fully present. - Due Diligence Vendor-03/05/2026<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 - 12.42 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.46% 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 54.36% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.7 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 - 11.75 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 393687 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 572506 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 909952 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 829805 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 546619 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 252131 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 524375 |  | D A C | Closed | FCRE1157 | 2026-03-03 08:04 | 2026-03-09 09:30 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-03/09/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-03/08/2026 <br>Open-Missing Hazard Insurance Policy. All documents provided have been reviewed and there is no Hazard Insurance Policy in the file. - Due Diligence Vendor-03/03/2026 |  | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-03/09/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.67% 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 34.86 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.13 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 160348 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 797250 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 926444 |  | D A | Closed | FCOM1220 | 2026-03-04 05:37 | 2026-03-06 14:39 | 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-03/06/2026 <br> Ready for Review-Document Uploaded. - Seller-03/06/2026 <br> Open-The Deed of Trust is Missing with security Instrument date of xxx. - Due Diligence Vendor-03/04/2026 | Ready for Review-Document Uploaded. - Seller-03/06/2026<br>| Resolved-The Deed of Trust is Present - Due Diligence Vendor-03/06/2026<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 0.24<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 39.75% 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 20.41 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 - 15.00 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 - 11.55 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 339880 |  | D A | Closed | FCRE5782 | 2026-03-10 01:01 | 2026-03-11 08:31 | 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. - Seller-03/10/2026 <br>Open-Borrower 1 Gap Credit Report is Missing . A gap credit or Undisclosed Debt Monitoring report is required no more than 10 days prior to loan closing or any time after closing. - Due Diligence Vendor-03/10/2026 | Ready for Review-Document Uploaded. - Seller-03/10/2026<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/11/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.83 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 49.44 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 68.03% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.15% 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<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18.57 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 - 18.57 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 821036 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 115087 |  | C A | Closed | FCRE1168 | 2026-03-04 09:35 | 2026-03-07 07:55 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and/or the Replacement Cost Estimator Value Provided by the Insurer | Resolved-Hazard Insurance Coverage Amount of $xxx is equal to or greater than the Subject Lien or replacement cost value of $xxx - Due Diligence Vendor-03/07/2026 <br> Ready for Review-Document Uploaded. RCE - Seller-03/06/2026 <br> Counter-Missing RCE - subject is a 2nd Lien Loan - the First Lien UPD is $xxx - 2nd new Lien is $xxx - Due Diligence Vendor-03/05/2026 <br> Ready for Review-Document Uploaded. Please see attached. thanks! - Seller-03/05/2026 <br> Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than the greater of the Subject Lien or replacement cost value and Replacement Cost Estimator by Insurer was Provided $xxx in HOI coverage is short of the $xxx of the loan amount. Please provide a policy that shows the additional coverage. - Due Diligence Vendor-03/04/2026 | Ready for Review-Document Uploaded. RCE - Seller-03/06/2026 <br>Ready for Review-Document Uploaded. Please see attached. thanks! - Seller-03/05/2026<br>| Resolved-Hazard Insurance Coverage Amount of $xxx is equal to or greater than the Subject Lien or replacement cost value of $xxx - Due Diligence Vendor-03/07/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.18% 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 40.92 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 - 15.00 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 - 6.91 Years |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 790735 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 200972 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 500097 |  | D A | Closed | FCOM1227 | 2026-03-05 01:31 | 2026-03-12 17:34 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | PUD Rider is Missing | Resolved- - Due Diligence Vendor-03/12/2026 <br>Ready for Review-Document Uploaded. PUD rider attached - Seller-03/12/2026 <br>Open-PUD Rider is Missing. Per appraisal and 1st mortgage, property is a PUD with a PUD Rider.. - Due Diligence Vendor-03/05/2026 | Ready for Review-Document Uploaded. PUD rider attached - Seller-03/12/2026<br>|  | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.31 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Months Reserves Of 30.31 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 Of 22.11% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More Calculated DTI Of 22.11% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 704739 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |  |
| 562860 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 682901 |  | B A | Closed | FCRE1196 | 2026-03-03 17:19 | 2026-03-03 17:22 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Open-Audited HCLTV of 78.08% exceeds Guideline HCLTV of 75% - Due Diligence Vendor-03/03/2026 |  |  | Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 21.00 Years<br>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 - 20.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 6.24 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Pre-Close | Yes | xxx |
| 502465 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 994911 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 992289 |  | C A | Closed | FCRE1160 | 2026-03-05 01:17 | 2026-03-09 14:10 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Expiration Date is before the Note Date | Resolved-Hazard Insurance Expiration Date of xxx is after the Note Date of xxx Or Hazard Insurance Expiration Date Is Not Provided - Due Diligence Vendor-03/09/2026 <br> Ready for Review-Document Uploaded. - Seller-03/09/2026 <br> Open-Hazard Insurance Expiration Date of xxx is prior to or equal to the Note Date of xxx - Due Diligence Vendor-03/05/2026 | Ready for Review-Document Uploaded. - Seller-03/09/2026<br>| Resolved-Hazard Insurance Expiration Date of xxx is after the Note Date of xxx Or Hazard Insurance Expiration Date Is Not Provided - Due Diligence Vendor-03/09/2026 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 226189 |  | C A | Closed | finding-651 | 2026-03-04 23:26 | 2026-03-04 23:38 | Resolved | 1 - Information C A | Compliance | Points & Fees | TILA Finance Charge Test | Resolved- - Due Diligence Vendor-03/05/2026 <br> Open-This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2))The finance charge is $xxx. The disclosed finance charge of $xxx is not considered accurate because it is understated by more than $xxx. - Due Diligence Vendor-03/05/2026 <br> Resolved- - Due Diligence Vendor-03/05/2026 <br> Resolved- - Due Diligence Vendor-03/05/2026 <br> Open-This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2))The finance charge is $xxx. The disclosed finance charge of $xxx is not considered accurate because it is understated by more than $xxx. - Due Diligence Vendor-03/05/2026 <br> Open- - Due Diligence Vendor-03/05/2026 |  | Resolved- - Due Diligence Vendor-03/05/2026 <br>Resolved- - Due Diligence Vendor-03/05/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - validated Calculated DTI Of 36.87% 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 - 9.08 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - validated Months Reserves Of 23.29 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxx |
| 226189 |  | C A | Closed | finding-952 | 2026-03-04 23:36 | 2026-03-04 23:38 | Resolved | 1 - Information C A | Compliance | Points & Fees | SC HCCHLA High Cost Home Loan Points and Fees Threshold Test | Resolved- - Due Diligence Vendor-03/05/2026 <br> Open-This loan failed the high-cost home loan points and fees threshold test due to one or more of the following findings: (SC SB 438, §37-23-20(15)(B))The total points and fees of this loan, which are $xxx, exceed one of the following thresholds based on the total loan amount, which is $xxx:The loan is secured by real property and the total points and fees exceeds 5% of the total loan amount if the total loan amount is $xxx or more; orThe loan is a nonreal estate loan secured manufactured housing and the total points and fees exceeds 3% of the total loan amount if the total loan amount is $xxx or more; orThe total points and fees exceed the lesser of 8% of the total loan amount or $xxx if the total loan amount is less than $xxx. - Due Diligence Vendor-03/05/2026 |  | Resolved- - Due Diligence Vendor-03/05/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - validated Calculated DTI Of 36.87% 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 - 9.08 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - validated Months Reserves Of 23.29 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxx |
| 226189 |  | C A | Closed | finding-3542 | 2026-03-04 23:26 | 2026-03-04 23:29 | Resolved | 1 - Information C A | Compliance | TRID | Revised Closing Disclosure Delivery Date Test (Waiting Period Required) Test | Resolved- - Due Diligence Vendor-03/05/2026 <br> Resolved- - Due Diligence Vendor-03/05/2026 <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:"xxx 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 xxx 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 xxx 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 xxx 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-03/05/2026 <br> Open- - Due Diligence Vendor-03/05/2026 |  | Resolved- - Due Diligence Vendor-03/05/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - validated Calculated DTI Of 36.87% 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 - 9.08 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - validated Months Reserves Of 23.29 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxx |
| 226189 |  | C A | Closed | finding-14 | 2026-03-04 23:26 | 2026-03-04 23:29 | Resolved | 1 - Information C A | Compliance | Points & Fees | TILA APR Test | Resolved- - Due Diligence Vendor-03/05/2026 <br> Resolved- - Due Diligence Vendor-03/05/2026 <br> Open-This loan failed the TILA APR test. (12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4))The annual percentage rate (APR) is 10.370%. The disclosed APR of 10.241% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. - Due Diligence Vendor-03/05/2026 <br> Open- - Due Diligence Vendor-03/05/2026 |  | Resolved- - Due Diligence Vendor-03/05/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - validated Calculated DTI Of 36.87% 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 - 9.08 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - validated Months Reserves Of 23.29 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxx |
| 226189 |  | C A | Closed | finding-3732 | 2026-03-04 23:26 | 2026-03-04 23:29 | Resolved | 1 - Information C A | Compliance | TRID | TRID Total of Payments Test | Resolved- - Due Diligence Vendor-03/05/2026 <br> Resolved- - Due Diligence Vendor-03/05/2026 <br> Open-This loan failed the TRID total of payments test. (12 CFR §1026.18(o)(1))The total of payments is $xxx. The disclosed total of payments of $xxx is not considered accurate because it is understated by more than $xxx and the provided reimbursement amount of $xxx is not sufficient to cure the inaccuracy. - Due Diligence Vendor-03/05/2026 <br> Open- - Due Diligence Vendor-03/05/2026 |  | Resolved- - Due Diligence Vendor-03/05/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - validated Calculated DTI Of 36.87% 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 - 9.08 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - validated Months Reserves Of 23.29 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxx |
| 991879 |  | C A | Closed | FCRE5774 | 2026-03-06 13:06 | 2026-03-13 10:37 | 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-03/13/2026 <br> Ready for Review-Document Uploaded. - Seller-03/13/2026 <br> Open-Pages xxx thru xxx of credit report are missing from the file. Please provide. - Due Diligence Vendor-03/06/2026 | Ready for Review-Document Uploaded. - Seller-03/13/2026<br>| Resolved-Borrower 1 Credit Report is not partially present. - Due Diligence Vendor-03/13/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - validated Calculated DTI Of 45% 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 - validated Qualifying FICO Of xxx 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 - validated Months Reserves Of 36.8 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 - validated Original CLTV Of 56.82% Is Below the Guideline Maximum Of 90% 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 - 27.00 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 901396 |  | C A | Closed | finding-3634 | 2026-03-04 22:27 | 2026-03-27 09:30 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-\*\*Received cure package - Due Diligence Vendor-03/27/2026 <br> Resolved- - Due Diligence Vendor-03/27/2026 <br> Ready for Review-Document Uploaded. - Seller-03/24/2026 <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 $xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). \*\*\*\*\* The following charges have been either added or increased: Lender Fee & Appraisal fee resulting in a 0% tolerance cure in the amount of $xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-03/05/2026 <br> Open- - Due Diligence Vendor-03/05/2026 <br> Open- - Due Diligence Vendor-03/05/2026 <br> Open- - Due Diligence Vendor-03/05/2026 | Ready for Review-Document Uploaded. - Seller-03/24/2026<br>| Resolved-\*\*Received cure package - Due Diligence Vendor-03/27/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 41.13% 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 - 6.00 Years<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.15 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 901396 |  | C A | Closed | finding-3631 | 2026-03-04 22:27 | 2026-03-27 09:30 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-\*\*Received cure package - Due Diligence Vendor-03/27/2026 <br> Resolved- - Due Diligence Vendor-03/27/2026 <br> Ready for Review-Document Uploaded. - Seller-03/24/2026 <br> Open-\*\*\*\* Finding in relation to \*\*\*\*\* The following charges have been either added or increased: Lender Fee & Appraisal fee resulting in a 0% tolerance cure in the amount of $xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-03/05/2026 <br> Open- - Due Diligence Vendor-03/05/2026 <br> Open- - Due Diligence Vendor-03/05/2026 <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-03/05/2026 <br> Open- - Due Diligence Vendor-03/05/2026 | Ready for Review-Document Uploaded. - Seller-03/24/2026<br>| Resolved-\*\*Received cure package - Due Diligence Vendor-03/27/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 41.13% 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 - 6.00 Years<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.15 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 901396 |  | C A | Closed | finding-3632 | 2026-03-04 22:27 | 2026-03-27 09:30 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved- - Due Diligence Vendor-03/27/2026 <br> Resolved- - Due Diligence Vendor-03/27/2026 <br> Ready for Review-Document Uploaded. - Seller-03/24/2026 <br> Open-\*\*\*\* Finding in relation to \*\*\*\*\* The following charges have been either added or increased: Lender Fee & Appraisal fee resulting in a 0% tolerance cure in the amount of $xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-03/05/2026 <br> Open- - Due Diligence Vendor-03/05/2026 <br> Open- - Due Diligence Vendor-03/05/2026 <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-03/05/2026 <br> Open- - Due Diligence Vendor-03/05/2026 | Ready for Review-Document Uploaded. - Seller-03/24/2026<br>| Resolved- - Due Diligence Vendor-03/27/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 41.13% 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 - 6.00 Years<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.15 Years | \*\*Received cure package | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 804565 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |  |
| 391468 |  | D A | Closed | FCRE3653 | 2026-03-05 21:05 | 2026-03-18 13:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Cash out letter Provided. - Due Diligence Vendor-03/18/2026 <br>Ready for Review-Document Uploaded. - Seller-03/18/2026 <br>Open-Missing executed and dated Letter of Explanation for the borrowers' intended use of the cash-out proceeds. - Due Diligence Vendor-03/06/2026 | Ready for Review-Document Uploaded. - Seller-03/18/2026<br>| Resolved-Cash out letter Provided. - Due Diligence Vendor-03/18/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.75 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 39.7% 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 19.07 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 71.67% Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 277299 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 823026 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 477679 |  | D A | Closed | FCRE3653 | 2026-03-05 22:13 | 2026-03-13 22:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-LOX received. - Due Diligence Vendor-03/14/2026 <br>Ready for Review-Document Uploaded. - Seller-03/13/2026 <br>Open-Missing a dated and executed Letter of Explanation from B1 detailing the intended use of the cash-out proceeds. - Due Diligence Vendor-03/06/2026 | Ready for Review-Document Uploaded. - Seller-03/13/2026<br>| Resolved-LOX received. - Due Diligence Vendor-03/14/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.7% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 7.63 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 - 11.75 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 - 8.48 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 - 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 0.19 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 167998 |  | B A | Closed | FCOM1266 | 2026-03-06 07:11 | 2026-03-10 15:41 | 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>Ready for Review-Document Uploaded. - Seller-03/09/2026 <br>Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-03/08/2026 | Ready for Review-Document Uploaded. - Seller-03/09/2026<br>| Resolved-Homeownership Counseling Disclosure, provided - Due Diligence Vendor-03/10/2026<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 39.31% 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 Are Greater Than The Guideline Minimum By Six (6) Or More Months Months Reserves Of 15.14 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 - 6.50 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 Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.24 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 - 40.00 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 899364 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 263216 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 669174 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 205605 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 484279 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 273104 |  | C B A | Closed | FPRO7466 | 2026-03-09 17:25 | 2026-03-16 06:25 | Waived | 2 - Non-Material C B | Property | Third Party Valuation | AVM Value(s) Do Not Adhere To Tolerance Criteria | Waived-Lender exception for AVM < 90% at 88% - Due Diligence Vendor-03/16/2026 <br>Ready for Review-Document Uploaded. Please see attached exception approval which was in the file. - Buyer-03/15/2026 <br>Open-AVM confidence score is <90%. - Due Diligence Vendor-03/09/2026 |  | Waived-Lender exception for AVM < 90% at 88% - Due Diligence Vendor-03/16/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 21.83 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.26% 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 74.96% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More | DTI max 50% subject < 32%<br> Mortgage, no lates in the last 36 months | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx |
| 273104 |  | C B A | Closed | FCRE1200 | 2026-03-06 14:25 | 2026-03-09 14:08 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Audited Loan Amount of xxx is less than the Guideline Minimum Loan Amount of xxx Approved Exception for loan amount found on pg xxx - Due Diligence Vendor-03/09/2026 |  | Waived-Audited Loan Amount of xxx is less than the Guideline Minimum Loan Amount of xxx Approved Exception for loan amount found on pg xxx - Due Diligence Vendor-03/09/2026 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 21.83 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.26% 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 74.96% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx |
| 772680 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 546245 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 559831 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 661423 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 564779 |  | D A C | Closed | finding-3939 | 2026-03-10 14:49 | 2026-03-13 08:40 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved- - Due Diligence Vendor-03/13/2026 <br> Resolved- - Due Diligence Vendor-03/13/2026 <br> Ready for Review-Document Uploaded. - Seller-03/12/2026 <br> Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxx. \*\*\*\*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 xxx. Rate dependent charge changes subject to 0% tolerance total $$xxx. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-03/11/2026 <br> Open- - Due Diligence Vendor-03/11/2026 <br> Open- - Due Diligence Vendor-03/11/2026 <br> Open- - Due Diligence Vendor-03/11/2026 <br> Open- - Due Diligence Vendor-03/10/2026 <br> Open- - Due Diligence Vendor-03/10/2026 | Ready for Review-Document Uploaded. - Seller-03/12/2026<br>| Resolved- - Due Diligence Vendor-03/13/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 46.86 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 - 10.66 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 9% 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 79.95% 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 - 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 - 10.67 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 564779 |  | D A C | Closed | FCRE2109 | 2026-03-10 06:36 | 2026-03-12 16:53 | 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-03/12/2026 <br>Ready for Review-Document Uploaded. - Seller-03/12/2026 <br>Open-Missing Lender Worksheet or Bank Statement Summary Provide Lender work sheet for the verify the Non-Business Transactions. - Due Diligence Vendor-03/10/2026 | Ready for Review-Document Uploaded. - Seller-03/12/2026<br>| Resolved-Lender Worksheet or Bank Statement Summary Provided - Due Diligence Vendor-03/12/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 46.86 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 - 10.66 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 9% 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 79.95% 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 - 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 - 10.67 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 210466 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 268004 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 584409 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Exempt | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 212107 |  | D A C | Closed | finding-3625 | 2026-03-10 05:48 | 2026-03-18 10:56 | Resolved | 1 - Information C A | Compliance | TRID | TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" Validation Test | Resolved-Verification of "pass-thru" fee has been provided - Due Diligence Vendor-03/18/2026 <br>Resolved- - Due Diligence Vendor-03/18/2026 <br>Ready for Review-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. - Due Diligence Vendor-03/18/2026 <br>Open- - Due Diligence Vendor-03/18/2026 <br>Ready for Review-Document Uploaded. Both AVM and Property Condition Inspection fees were pass thru fees which were not retained by lender. Please see attached invoices. - Seller-03/17/2026 <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.\*\*\*\*\*\*\* Final Closing Disclosure Section B, indicates the AVM Fee & Property Condition Report paid to Lender. Evidence that this is a "pass thru" fee and not retained by the lender, has not been provided. - Due Diligence Vendor-03/10/2026 <br>Open- - Due Diligence Vendor-03/10/2026 <br>Open- - Due Diligence Vendor-03/10/2026 <br>Open- - Due Diligence Vendor-03/10/2026 <br>Open- - Due Diligence Vendor-03/10/2026 <br>Open- - Due Diligence Vendor-03/10/2026 <br>Open- - Due Diligence Vendor-03/10/2026 | Ready for Review-Document Uploaded. Both AVM and Property Condition Inspection fees were pass thru fees which were not retained by lender. Please see attached invoices. - Seller-03/17/2026 | Resolved-Verification of "pass-thru" fee has been provided - Due Diligence Vendor-03/18/2026<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 - 10.66 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.56 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 59.2% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 212107 |  | D A C | Closed | finding-3939 | 2026-03-10 18:08 | 2026-03-18 10:56 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxx<br> is the date 3 business days after xxx. - Due Diligence Vendor-03/18/2026 <br> Open- - Due Diligence Vendor-03/18/2026 <br> Open- - Due Diligence Vendor-03/18/2026 <br> Ready for Review-Document Uploaded. Please see attached signed LE dated xxx along with delivery proof which was disclosed within 3 business days of loan lock date (xxx) showing addition of discount points from $xxx to $xxx. Signed CD dated xxx is also attached showing increase in discount points from $xxx to $xxx due to lock extension. - Seller-03/17/2026 <br> Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxx. \*\*\*\*\*\*\*\*\*\*\*\*\*\*\*• 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 xxx. Rate dependent charge changes subject to 0% tolerance total $xxx_. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-03/10/2026 <br> Open- - Due Diligence Vendor-03/10/2026 | Ready for Review-Document Uploaded. Please see attached signed LE dated xxx along with delivery proof which was disclosed within 3 business days of loan lock date (xxx) showing addition of discount points from $xxx to $xxx. Signed CD dated xxx is also attached showing increase in discount points from $xxx to $xxx due to lock extension. - Seller-03/17/2026 | Resolved-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxx. xxx<br> is the date 3 business days after xxx, including xxx but excluding xxx. - Due Diligence Vendor-03/18/2026 | 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 - 10.66 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.56 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 59.2% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 212107 |  | D A C | Closed | finding-3529 | 2026-03-10 18:08 | 2026-03-18 10:56 | Resolved | 1 - Information C A | Compliance | TRID | Revised Loan Estimate Delivery Date and Changed Circumstances Date Test | Resolved-This loan failed the revised loan estimate delivery date and changed circumstances date test. (12 CFR §1026.19(e)(3)(iv)(A) - (C), (E), (F) , and (D) as amended in xxx , and 12 CFR §1026.19(e)(4)(i))The revised loan estimate delivery date is either:Later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(4)(i) (revised loan estimate disclosure). 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 xxx 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, xxx calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and 10% tolerance categories under §1026.19(e)(3)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §1026.19(e)(1)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §1026.19(e)(3)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §1026.19(e)(3)(iv)(D). The revised version of the disclosures required under §1026.19(e)(1)(i) shall contain the revised interest rate, the points disclosed pursuant to §1026.37(f)(1), lender credits, and any other interest rate dependent charges and terms. xxx<br> is the date 3 business days after xxx, including xxx but excluding xxx. - Due Diligence Vendor-03/18/2026 <br> Open- - Due Diligence Vendor-03/18/2026 <br> Ready for Review- - Due Diligence Vendor-03/18/2026 <br> Ready for Review-Document Uploaded. Please see attached signed LE dated xxx along with delivery proof which was disclosed within 3 business days of loan lock date (xxx) showing addition of discount points from $xxx to $xxx. Signed CD dated xxx is also attached showing increase in discount points from $xxx to $xxx due to lock extension. - Seller-03/17/2026 <br> Open-This loan failed the revised loan estimate delivery date and changed circumstances date test. (12 CFR §1026.19(e)(3)(iv)(A) - (C), (E), (F) , and (D) as amended in xxx , and 12 CFR §1026.19(e)(4)(i))The revised loan estimate delivery date is either:Later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(4)(i) (revised loan estimate disclosure). 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 xxx NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and 10% tolerance categories under §1026.19(e)(3)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §1026.19(e)(1)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §1026.19(e)(3)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §1026.19(e)(3)(iv)(D). The revised version of the disclosures required under §1026.19(e)(1)(i) shall contain the revised interest rate, the points disclosed pursuant to §1026.37(f)(1), lender credits, and any other interest rate dependent charges and terms. \*\*\*\*\*\*\*\*\*\*\*\*\*\*\*• 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 xxx. Rate dependent charge changes subject to 0% tolerance total $xxx_. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-03/10/2026 <br> Open- - Due Diligence Vendor-03/10/2026 | Ready for Review-Document Uploaded. Please see attached signed LE dated xxx along with delivery proof which was disclosed within 3 business days of loan lock date (xxx) showing addition of discount points from $xxx to $xxx. Signed CD dated xxx is also attached showing increase in discount points from $xxx to $xxx due to lock extension. - Seller-03/17/2026 | Resolved-This loan failed the revised loan estimate delivery date and changed circumstances date test. (12 CFR §1026.19(e)(3)(iv)(A) - (C), (E), (F) , and (D) as amended in 2015 , and 12 CFR §1026.19(e)(4)(i))The revised loan estimate delivery date is either:Later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor receives information sufficient to establish that a changed circumstance has occurred; orBefore the creditor receives information sufficient to establish that a changed circumstance has occurred.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(4)(i) (revised loan estimate disclosure). 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 xxx 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, xxx calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If a creditor uses a revised estimate for the purpose of determining good faith for the zero tolerance and 10% tolerance categories under §1026.19(e)(3)(i) and (ii), the creditor shall provide a revised version of the disclosures required under §1026.19(e)(1)(i) reflecting the revised estimate either:Within three business days of receiving information sufficient to establish that one of the reasons for revision provided under §1026.19(e)(3)(iv)(A) through (C), (E) and (F) applies; orNo later than three business days after the date the interest rate is locked, for revision provided under §1026.19(e)(3)(iv)(D). The revised version of the disclosures required under §1026.19(e)(1)(i) shall contain the revised interest rate, the points disclosed pursuant to §1026.37(f)(1), lender credits, and any other interest rate dependent charges and terms. xxx<br> is the date 3 business days after xxx. - Due Diligence Vendor-03/18/2026 | 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 - 10.66 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.56 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 59.2% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 212107 |  | D A C | Closed | finding-3634 | 2026-03-10 18:08 | 2026-03-18 10:56 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-COC event detail provided - Lock & Lock ext - Due Diligence Vendor-03/18/2026 <br> Resolved- - Due Diligence Vendor-03/18/2026 <br> Ready for Review- - Due Diligence Vendor-03/18/2026 <br> Resolved- - Due Diligence Vendor-03/18/2026 <br> Ready for Review-Document Uploaded. Please see attached signed LE dated xxx along with delivery proof which was disclosed within 3 business days of loan lock date (xxx) showing addition of discount points from $xxx to $xxx. Signed CD dated xxx is also attached showing increase in discount points from $xxx to $xxx due to lock extension. - Seller-03/17/2026 <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 $xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). \*\*\*\*\*\*\*\*\*\*\*\*\*\*\*• 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 xxx. Rate dependent charge changes subject to 0% tolerance total $xxx_. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-03/10/2026 <br> Open- - Due Diligence Vendor-03/10/2026 | Ready for Review-Document Uploaded. Please see attached signed LE dated xxx along with delivery proof which was disclosed within 3 business days of loan lock date (xxx) showing addition of discount points from $xxx to $xxx. Signed CD dated xxx is also attached showing increase in discount points from $xxx to $xxx due to lock extension. - Seller-03/17/2026 | Resolved-COC event detail provided - Lock & Lock ext - Due Diligence Vendor-03/18/2026<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 - 10.66 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.56 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 59.2% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 212107 |  | D A C | Closed | finding-3631 | 2026-03-10 18:08 | 2026-03-18 10:56 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-COC event detail provided - Lock & Lock ext - Due Diligence Vendor-03/18/2026 <br> Resolved- - Due Diligence Vendor-03/18/2026 <br> Ready for Review- - Due Diligence Vendor-03/18/2026 <br> Resolved- - Due Diligence Vendor-03/18/2026 <br> Ready for Review-Document Uploaded. Please see attached signed LE dated xxx along with delivery proof which was disclosed within 3 business days of loan lock date (xxx) showing addition of discount points from $xxx to $xxx. Signed CD dated xxx is also attached showing increase in discount points from $xxx to $xxx due to lock extension. - Seller-03/17/2026 <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 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 xxx. Rate dependent charge changes subject to 0% tolerance total $xxx_. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-03/10/2026 <br> Open- - Due Diligence Vendor-03/10/2026 | Ready for Review-Document Uploaded. Please see attached signed LE dated xxx along with delivery proof which was disclosed within 3 business days of loan lock date (xxx) showing addition of discount points from $xxx to $xxx. Signed CD dated xxx is also attached showing increase in discount points from $xxx to $xxx due to lock extension. - Seller-03/17/2026 | Resolved-COC event detail provided - Lock & Lock ext - Due Diligence Vendor-03/18/2026<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 - 10.66 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.56 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 59.2% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 212107 |  | D A C | Closed | finding-3632 | 2026-03-10 18:08 | 2026-03-18 10:56 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-COC event detail provided - Lock & Lock ext - Due Diligence Vendor-03/18/2026 <br> Resolved- - Due Diligence Vendor-03/18/2026 <br> Ready for Review- - Due Diligence Vendor-03/18/2026 <br> Resolved- - Due Diligence Vendor-03/18/2026 <br> Ready for Review-Document Uploaded. Please see attached signed LE dated xxx along with delivery proof which was disclosed within 3 business days of loan lock date (xxx) showing addition of discount points from $xxx to $xxx. Signed CD dated xxx is also attached showing increase in discount points from $xxx to $xxx due to lock extension. - Seller-03/17/2026 <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 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 xxx. Rate dependent charge changes subject to 0% tolerance total $xxx_. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-03/10/2026 <br> Open- - Due Diligence Vendor-03/10/2026 | Ready for Review-Document Uploaded. Please see attached signed LE dated xxx along with delivery proof which was disclosed within 3 business days of loan lock date (xxx) showing addition of discount points from $xxx to $xxx. Signed CD dated xxx is also attached showing increase in discount points from $xxx to $xxx due to lock extension. - Seller-03/17/2026 | Resolved-COC event detail provided - Lock & Lock ext - Due Diligence Vendor-03/18/2026<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 - 10.66 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.56 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 59.2% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 212107 |  | D A C | Closed | FPRO1244 | 2026-03-10 15:45 | 2026-03-13 17:19 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved- - Due Diligence Vendor-03/13/2026 <br>Ready for Review-Document Uploaded. - Seller-03/13/2026 <br>Open-Per guidelines an AVM plus Property condition report is required. AVM is in file but Property condition report is not found in the file. Documentation in file shows ordered but not in file. - Due Diligence Vendor-03/10/2026 | Ready for Review-Document Uploaded. - Seller-03/13/2026<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 - 10.66 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.56 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 59.2% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 973789 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 806240 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 425338 |  | C A | Closed | FCRE5774 | 2026-03-06 11:17 | 2026-03-17 13:02 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 1 Credit Report is Incomplete | Resolved-Corrected CBR provided. - Due Diligence Vendor-03/17/2026 <br> Ready for Review-Document Uploaded. - Seller-03/17/2026 <br> Open-The credit report reflects BRs date of birth as xxx in the Identification as requested. The correct DOD per ID provided is xxx. Please provide an updated credit report with correct date. - Due Diligence Vendor-03/06/2026 | Ready for Review-Document Uploaded. - Seller-03/17/2026<br>| Resolved-Corrected CBR provided. - Due Diligence Vendor-03/17/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 20.35 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 - Validated Original CLTV Of 69.26% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> 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 - 15.00 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 751 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 - Validated Borrower At Current Residence For Five (5) Or More Years - 6.17 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 40.07% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxx |
| 226240 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 427887 |  | D A | Closed | FCRE1146 | 2026-03-07 00:55 | 2026-03-10 11:57 | Resolved | 1 - Information D A | Credit | Missing Doc - Title | Title Document is Partially Present | Resolved-Final SS reflecting Payoff provided - Due Diligence Vendor-03/10/2026 <br> Ready for Review-Document Uploaded. - Seller-03/10/2026 <br> Open-Provide title evidence confirming Schedule B liens will not affect CLTV/LTV. Title Company to provide documentation evidencing the following liens have been paid, cleared, or deleted:<br>Item 6: Lien recorded xxx, Instrument No. xxx; assigned to xxx dated xxx.<br>Item 13: Unsecured property tax lien, recorded xxx.<br>Item 14: Unsecured property tax lien, recorded xxx.<br>The two tax liens reflected as paid at closing do not contain the same instrument numbers to confirm they correspond to Items 13 and 14. Clarification and supporting documentation are required to reconcile these with xxx County Bill #xxx. - Due Diligence Vendor-03/07/2026 | Ready for Review-Document Uploaded. - Seller-03/10/2026<br>| Resolved-Final SS reflecting Payoff provided - Due Diligence Vendor-03/10/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.57% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 58.79% 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 - 21.00 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 - 26.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 42.02 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 - 26.41 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A | xxx |
| 166120 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 472143 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 850767 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 613998 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 483317 |  | C A | Closed | finding-3634 | 2026-03-10 08:52 | 2026-03-19 09:24 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-\*\*\*Received COC and Revised CD - Due Diligence Vendor-03/19/2026 <br> Resolved- - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Document Uploaded. Please find enclosed revised Initial CD that not included in the closing package by mistake. - Seller-03/18/2026 <br> Open-The following charges have been either added or increased: Desk Review Fee resulting in a 0% tolerance cure in the amount of $xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-03/10/2026 <br> Open- - Due Diligence Vendor-03/10/2026 <br> Open- - Due Diligence Vendor-03/10/2026 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-03/10/2026 <br> Open- - Due Diligence Vendor-03/10/2026 | Ready for Review-Document Uploaded. Please find enclosed revised Initial CD that not included in the closing package by mistake. - Seller-03/18/2026<br>| Resolved-\*\*\*Received COC and Revised CD - Due Diligence Vendor-03/19/2026<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 72.81% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.14 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 - 21.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.39% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.42 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 483317 |  | C A | Closed | finding-3631 | 2026-03-10 08:52 | 2026-03-19 09:24 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-\*\*\*Received COC and Revised CD - Due Diligence Vendor-03/19/2026 <br> Resolved- - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Document Uploaded. - Seller-03/18/2026 <br> Open-The following charges have been either added or increased: Desk Review Fee resulting in a 0% tolerance cure in the amount of $xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-03/10/2026 <br> Open- - Due Diligence Vendor-03/10/2026 <br> Open- - Due Diligence Vendor-03/10/2026 <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-03/10/2026 <br> Open- - Due Diligence Vendor-03/10/2026 | Ready for Review-Document Uploaded. - Seller-03/18/2026<br>| Resolved-\*\*\*Received COC and Revised CD - Due Diligence Vendor-03/19/2026<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 72.81% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.14 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 - 21.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.39% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.42 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 483317 |  | C A | Closed | finding-3632 | 2026-03-10 08:52 | 2026-03-19 09:24 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-\*\*\*Received COC and Revised CD - Due Diligence Vendor-03/19/2026 <br> Resolved- - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Document Uploaded. - Seller-03/18/2026 <br> Open-The following charges have been either added or increased: Desk Review Fee resulting in a 0% tolerance cure in the amount of $xxx. Please provide COC event details dated within 3 days of additional/increased charges. Or 0% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-03/10/2026 <br> Open- - Due Diligence Vendor-03/10/2026 <br> Open- - Due Diligence Vendor-03/10/2026 <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-03/10/2026 <br> Open- - Due Diligence Vendor-03/10/2026 | Ready for Review-Document Uploaded. - Seller-03/18/2026<br>| Resolved-\*\*\*Received COC and Revised CD - Due Diligence Vendor-03/19/2026<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 72.81% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.14 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 - 21.00 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.39% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.42 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 256862 |  | D A | Closed | FCRE7497 | 2026-03-10 14:00 | 2026-03-12 16:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved- - Due Diligence Vendor-03/12/2026 <br> Ready for Review-Document Uploaded. - Seller-03/12/2026 <br> Counter-Still missing HOI for xxx. - Due Diligence Vendor-03/12/2026 <br> Ready for Review-please see attached - Seller-03/11/2026 <br> Open-Currently no tax or HOI figures used for xxx and xxx as these are not escrowed per their mortgage statements, and HOI/tax documents are not on file for those properties. Please provide the taxes for both properties, and either HOI for both or, if not carrying HOI, an explanation/exception. - Due Diligence Vendor-03/10/2026 | Ready for Review-Document Uploaded. - Seller-03/12/2026 <br>Ready for Review-please see attached - Seller-03/11/2026<br>|  | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.48% 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 - 27.17 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<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 27.18 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 26.00 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 - 24.23 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 0.15<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 57.95% 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 13.26 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 256862 |  | D A | Closed | FCRE1201 | 2026-03-10 07:54 | 2026-03-12 10:03 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-03/12/2026 <br>Ready for Review-Document Uploaded. - Seller-03/11/2026 <br>Open-Missing Third Party Fraud Report There is no 3rd party fraud report uploaded to the file for our clients. Please provide - Due Diligence Vendor-03/10/2026 | Ready for Review-Document Uploaded. - Seller-03/11/2026<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-03/12/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.48% 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 - 27.17 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 740 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 - 27.18 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 26.00 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 - 24.23 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 0.15<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 57.95% 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 13.26 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 811205 |  | C A | Closed | finding-47 | 2026-03-10 03:01 | 2026-03-24 16:34 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-\*\*Received PCCD - Due Diligence Vendor-03/24/2026 <br> Ready for Review-Document Uploaded. - Seller-03/19/2026 <br> Counter-Received explanation. Lender to provide a PCCD and/or a certified copy of the Final Settlement Statement from title. - Due Diligence Vendor-03/17/2026 <br> Ready for Review-The settlement statement shows the incorrect signing date, I think it's a typo. However, it should not affect the rescission and date actual date of disbursement. - Seller-03/16/2026 <br> Counter-\*\*Received duplicate copy of the Final CD. 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-03/12/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-03/11/2026 <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. \*\*\*\*\*\*\* Borrower executed documents on xxx. Please Provide Post Consummation Closing Disclosure funding after Rescission period. - Due Diligence Vendor-03/10/2026 <br> Open- - Due Diligence Vendor-03/10/2026 <br> Open- - Due Diligence Vendor-03/10/2026 <br> Open- - Due Diligence Vendor-03/10/2026 <br> Open- - Due Diligence Vendor-03/10/2026 | Ready for Review-Document Uploaded. - Seller-03/19/2026 <br> Ready for Review-The settlement statement shows the incorrect signing date, I think it's a typo. However, it should not affect the rescission and date actual date of disbursement. - Seller-03/16/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-03/11/2026 | Resolved-\*\*Received PCCD - Due Diligence Vendor-03/24/2026<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 - 11.16 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 0.2<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.46 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 - 12 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.32% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 845591 |  | D A | Closed | FCOM1220 | 2026-03-11 01:09 | 2026-03-13 11:06 | 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-03/13/2026 <br> Ready for Review-Document Uploaded. - Seller-03/13/2026 <br> Counter-Please send the mortgage for xxx at xxx- Due Diligence Vendor-03/12/2026 <br> Ready for Review-Document Uploaded. - Seller-03/12/2026 <br> Open-The Deed of Trust is Missing - Due Diligence Vendor-03/11/2026 | Ready for Review-Document Uploaded. - Seller-03/13/2026 <br>Ready for Review-Document Uploaded. - Seller-03/12/2026<br>| Resolved-The Deed of Trust is Present - Due Diligence Vendor-03/13/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.31% 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 79.9% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 230730 |  | D A | Closed | FCOM1231 | 2026-03-09 07:44 | 2026-03-25 09:06 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-LOE provided for Initial 1003 - Due Diligence Vendor-03/25/2026 <br> Ready for Review-Document Uploaded. - Seller-03/24/2026 <br> Counter-The Initial 1003 provided is dated the same date as the Final 1003 (xxx) Provided Initial 1003 - Due Diligence Vendor-03/23/2026 <br> Ready for Review-Document Uploaded. - Seller-03/20/2026 <br> Open-The Initial 1003 is Missing Missing initial 1003 and incomplete Declaration Page in Final 1003. - Due Diligence Vendor-03/09/2026 | Ready for Review-Document Uploaded. - Seller-03/24/2026 <br>Ready for Review-Document Uploaded. - Seller-03/20/2026<br>| Resolved-LOE provided for Initial 1003 - Due Diligence Vendor-03/25/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 26.16% 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 - 13.04 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 37.31 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 - 15.00 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 0.2 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 230730 |  | D A | Closed | FCRE5116 | 2026-03-09 12:47 | 2026-03-25 09:05 | Resolved | 1 - Information D A | Credit | Missing Doc | VOM or VOR missing/required | Resolved-Updated 1003 provided (commercial Properties) - Due Diligence Vendor-03/25/2026 <br> Ready for Review-Document Uploaded. - Seller-03/20/2026 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. <br> 1. Require second mortgage statement xxx.<br>2. Requier HOA docs for all other REO properties.<br>3. Require Supporting docs for the below properties to verify property association and escrow details, or lese required HOI and taxes.<br> - xxx , <br> - xxx - Due Diligence Vendor-03/09/2026 | Ready for Review-Document Uploaded. - Seller-03/20/2026<br>| Resolved-Updated 1003 provided (commercial Properties) - Due Diligence Vendor-03/25/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 26.16% 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 - 13.04 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 37.31 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 - 15.00 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 0.2 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 150819 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 765816 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 600035 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |  |
| 956835 |  | C B A | Closed | finding-3939 | 2026-03-11 10:43 | 2026-03-17 07:53 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-\*\*\*Received Revised LE - Due Diligence Vendor-03/17/2026 <br> Open- - Due Diligence Vendor-03/17/2026 <br> Ready for Review-Document Uploaded. - Buyer-03/16/2026 <br> Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxx. - Due Diligence Vendor-03/11/2026 <br> Open- - Due Diligence Vendor-03/11/2026 <br> Open- - Due Diligence Vendor-03/11/2026 <br> Open- - Due Diligence Vendor-03/11/2026 <br> Open- - Due Diligence Vendor-03/11/2026 <br> Open- - Due Diligence Vendor-03/11/2026 <br> Open- - Due Diligence Vendor-03/11/2026 |  | Resolved-\*\*\*Received Revised LE - Due Diligence Vendor-03/17/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.08% 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 - 19.50 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 - 11.66 Years<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 CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 68.17% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 956835 |  | C B A | Closed | FCRE4963 | 2026-03-11 12:45 | 2026-03-16 05:14 | Resolved | 1 - Information C A | Credit | Liabilities | No evidence of required debt payoff | Resolved-updated - Due Diligence Vendor-03/16/2026 <br> Ready for Review-Document Uploaded. Rebut-please see attached. All debts you're questioning were accounted for. - Seller-03/15/2026 <br> Open-. Provide documentation to show the cause for exclusion of xxx monthly, xxx monthly and xxx monthly as seen on the gap credit report. With accounts included DTI is 46.22% and causes a possible pricing issue. - Due Diligence Vendor-03/11/2026 | Ready for Review-Document Uploaded. Rebut-please see attached. All debts you're questioning were accounted for. - Seller-03/15/2026<br>| Resolved-updated - Due Diligence Vendor-03/16/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.08% 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 - 19.50 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 - 11.66 Years<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 CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 68.17% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 956835 |  | C B A | Closed | FCRE5778 | 2026-03-10 23:00 | 2026-03-16 05:13 | Waived | 2 - Non-Material C B | Credit | Eligibility | Borrower 1 Credit Report is Expired | Waived-Borrower 1 Credit Report is Expired (Greater than 120 days from the Closing Date). Lender exception for age of credit report. - Due Diligence Vendor-03/16/2026 <br>Ready for Review-Document Uploaded. Please see attached exception approval which was in the file. - Buyer-03/15/2026 <br>Open-Borrower 1 Credit Report is Expired (Greater than 120 days from the Closing Date). . At the time of closing the credit report was 122 days and is expired. - Due Diligence Vendor-03/11/2026 |  | Waived-Borrower 1 Credit Report is Expired (Greater than 120 days from the Closing Date). Lender exception for age of credit report. - Due Diligence Vendor-03/16/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.08% 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 - 19.50 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 - 11.66 Years<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 CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 68.17% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More | LTV Max 90%, subject 68.3%<br> Credit history dating back to xxx, no lates | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx |
| 301464 |  | D A | Closed | finding-3939 | 2026-03-12 01:54 | 2026-03-25 17:00 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-\*\*\*Received confirmation of rate lock date and explanation. - Due Diligence Vendor-03/25/2026 <br> Resolved- - Due Diligence Vendor-03/25/2026 <br> Ready for Review-Our secondary market activity—including locking with or changing investors—is part of internal execution and risk management and does not impact the borrower's rate, terms, or eligibility. As such, it does not trigger a disclosure requirement under CFPB timing rules.<br>Accordingly, a locked LE would be issued based on the consumer-facing lock date, not the investor lock date.<br>For example:<br>If we change investors to improve execution, there is no impact to the borrower, as their rate and terms remain unchanged.<br> Conversely, if we change investors and economics worsen, the borrower's terms still remain the same, as their eligibility and agreed-upon terms have not changed.<br>In short, the timing of the LE and any rate lock disclosures is driven by the consumer-facing lock, not investor-side activity.<br> - Seller-03/20/2026 <br> Counter-\*\*Received CD issued 2/26/26, same copy is in the original file. We are still missing a copy of the revised disclosure issued within 3 business days of the rate lock date xxx. - Due Diligence Vendor-03/15/2026 <br> Ready for Review-Document Uploaded. - Seller-03/13/2026 <br> Open- - Due Diligence Vendor-03/12/2026 <br> Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxx. 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-03/12/2026 <br> Open- - Due Diligence Vendor-03/12/2026 | Ready for Review-Our secondary market activity—including locking with or changing investors—is part of internal execution and risk management and does not impact the borrower's rate, terms, or eligibility. As such, it does not trigger a disclosure requirement under xxx timing rules.<br>Accordingly, a locked LE would be issued based on the consumer-facing lock date, not the investor lock date.<br>For example:<br>If we change investors to improve execution, there is no impact to the borrower, as their rate and terms remain unchanged.<br> Conversely, if we change investors and economics worsen, the borrower's terms still remain the same, as their eligibility and agreed-upon terms have not changed.<br>In short, the timing of the LE and any rate lock disclosures is driven by the consumer-facing lock, not investor-side activity.<br> - Seller-03/20/2026 <br> Ready for Review-Document Uploaded. - Seller-03/13/2026 | Resolved-\*\*\*Received confirmation of rate lock date and explanation. - Due Diligence Vendor-03/25/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 10.34% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 301464 |  | D A | Closed | FCOM1477 | 2026-03-12 14:02 | 2026-03-15 13:02 | Resolved | 1 - Information D A | Compliance | Missing Doc - Rate Lock | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided \*\*Received - Due Diligence Vendor-03/15/2026 <br>Ready for Review-Document Uploaded. - Seller-03/13/2026 <br>Open-Evidence of Rate Lock Missing - Due Diligence Vendor-03/12/2026 | Ready for Review-Document Uploaded. - Seller-03/13/2026<br>| Resolved-Evidence of Rate Lock Provided \*\*Received - Due Diligence Vendor-03/15/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 10.34% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 745055 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 470702 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 401352 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno |  |  |  |
| 342532 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 716715 |  | D A | Closed | FCOM1262 | 2026-03-12 09:49 | 2026-03-15 13:47 | Resolved | 1 - Information D A | Compliance | Missing Doc - ROR | Right of Rescission is Missing | Resolved-Right of Rescission is Provided \*\*Executed NORTC received - Due Diligence Vendor-03/15/2026 <br> Ready for Review-Document Uploaded. - Seller-03/13/2026 <br> Open-Right of Rescission is Missing. Please provide the executed NRTC. - Due Diligence Vendor-03/13/2026 | Ready for Review-Document Uploaded. - Seller-03/13/2026<br>| Resolved-Right of Rescission is Provided \*\*Executed NORTC received - Due Diligence Vendor-03/15/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 5.92 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 38.78% 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 - Validated Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 25.45 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 - Validated Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.18 Years<br> 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 - 14.17 Years<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Validated Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.48 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 881197 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 659024 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 469758 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 274229 |  | C B A | Closed | FCRE1193 | 2026-03-13 05:10 | 2026-03-19 17:47 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-xxx provided exception with the following Comps. BORROWER AT CURRENT RESIDENCE FOR FIVE (5) OR MORE YEARS<br> ORIGINAL CLTV IS BELOW THE GUIDELINE MAXIMUM BY TEN PERCENT (10%) OR MORE<br> BORROWER 1 HAS STABLE TIME IN PROFESSION BY TEN (10) YEARS OR MORE<br> BORROWER 1 HAS STABLE JOB TIME OF FIVE (5) OR MORE YEARS AT CURRENT JOB<br> MONTHS RESERVES ARE GREATER THAN THE GUIDELINE MINIMUM BY SIX (6) OR MORE MONTHS<br>- Due Diligence Vendor-03/19/2026 <br> Open-Document Uploaded. - Due Diligence Vendor-03/19/2026 <br> Open-Audited DTI of 50.05% exceeds Guideline DTI of 50% DTI variance is coming from lender submitted monthly payment for subject of $xxx, based on note found on page xxx, the actual monthly payment is $xxx, as a result DTI is over guideline max of 50% - Due Diligence Vendor-03/13/2026 |  | Waived-xxx provided exception with the following Comps. BORROWER AT CURRENT RESIDENCE FOR FIVE (5) OR MORE YEARS<br> ORIGINAL CLTV IS BELOW THE GUIDELINE MAXIMUM BY TEN PERCENT (10%) OR MORE<br> BORROWER 1 HAS STABLE TIME IN PROFESSION BY TEN (10) YEARS OR MORE<br> BORROWER 1 HAS STABLE JOB TIME OF FIVE (5) OR MORE YEARS AT CURRENT JOB<br> MONTHS RESERVES ARE GREATER THAN THE GUIDELINE MINIMUM BY SIX (6) OR MORE MONTHS<br>- Due Diligence Vendor-03/19/2026 | 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 - 19.08 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 - 40.00 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 65.58% 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 - 9.08 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.09 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months | Owner Occ<br> SFR<br> Value xxx<br> Loan amount xxx<br> LTV 18%<br> CLTV 65%<br> Fico xxx<br> 12 months bank statements <br>Comp Factors:<br> BORROWER AT CURRENT RESIDENCE FOR FIVE (5) OR MORE YEARS<br> ORIGINAL CLTV IS BELOW THE GUIDELINE MAXIMUM BY TEN PERCENT (10%) OR MORE<br> BORROWER 1 HAS STABLE TIME IN PROFESSION BY TEN (10) YEARS OR MORE<br> BORROWER 1 HAS STABLE JOB TIME OF FIVE (5) OR MORE YEARS AT CURRENT JOB<br> MONTHS RESERVES ARE GREATER THAN THE GUIDELINE MINIMUM BY SIX (6) OR MORE MONTHS | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxx |
| 592397 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 691687 |  | D A | Closed | FCRE1316 | 2026-03-12 03:36 | 2026-03-16 04:58 | 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-03/16/2026 <br>Resolved-received - Due Diligence Vendor-03/16/2026 <br>Ready for Review-Document Uploaded. Please see attached - Buyer-03/15/2026 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-03/12/2026 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/16/2026 <br> Resolved-received - Due Diligence Vendor-03/16/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 10.89% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 94.81 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 - 25 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 977311 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 291535 |  | C A | Closed | FCRE1193 | 2026-03-16 12:42 | 2026-03-24 09:17 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of 44.1% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-03/24/2026 <br> Ready for Review-Document Uploaded. Please see attached - Buyer-03/22/2026 <br> Open-Audited DTI of 53.35% exceeds Guideline DTI of 50% Borrower Consolidated all the student loans into one payment. Using statement from page xxx that confirms new payment – DTI is now over 50% at 53.35%. No Documentation or guidance that Student loans are to be excluded <br>- Due Diligence Vendor-03/16/2026 |  | Resolved-Audited DTI of 44.1% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-03/24/2026<br>| Calculated DTI Is Less Than The Guideline Maximum 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> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 - 12.75 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 - 12.75 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 22.09 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 - 5.50 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 668046 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 976207 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 982017 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 925095 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 749921 |  | D A | Closed | FCRE7497 | 2026-03-13 11:26 | 2026-03-16 04:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-HOA added - Due Diligence Vendor-03/16/2026 <br>Ready for Review-Document Uploaded. Please see attached. All 3 were in the file. - Buyer-03/15/2026 <br>Open-Require supporting docs to verify HOA for other REO properties listed in Final 1003. - Due Diligence Vendor-03/13/2026 |  | Resolved-HOA added - Due Diligence Vendor-03/16/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 25.08 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.87% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.16<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 24.00 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 33.59% 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 62.94 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxx |
| 855369 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 918807 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 305216 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 654925 |  | D A | Closed | FCRE5116 | 2026-03-14 05:26 | 2026-03-17 11:15 | Resolved | 1 - Information D A | Credit | Missing Doc | VOM or VOR missing/required | Resolved-REO documents provided. (escrowed) - Due Diligence Vendor-03/17/2026 <br> Ready for Review-Document Uploaded. - Seller-03/16/2026 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Please provide an mortgage statement or first payment letter for Borrowers Recent loan of $xxx on xxx - Due Diligence Vendor-03/14/2026 | Ready for Review-Document Uploaded. - Seller-03/16/2026<br>| Resolved-REO documents provided. (escrowed) - Due Diligence Vendor-03/17/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.83 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.01% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 25.19 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.08 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.52 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 936213 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 425512 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 583580 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 709424 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 296228 |  | C A | Closed | finding-3939 | 2026-03-17 15:59 | 2026-03-28 16:26 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-\*\*\*Received Revised CD - Due Diligence Vendor-03/28/2026 <br> Ready for Review-Document Uploaded. - Seller-03/25/2026 <br> Counter-\*\*\*Received rate lock information that indicates the rate was locked on xxx, after the initial CD dated xxx was issued, lender to confirm. Additionally, we are missing the revised disclosure issued within 3 business days of the rate lock date. - Due Diligence Vendor-03/25/2026 <br> Ready for Review-Document Uploaded. - Seller-03/19/2026 <br> Open- - Due Diligence Vendor-03/18/2026 <br> Open- - Due Diligence Vendor-03/17/2026 <br> Open- - Due Diligence Vendor-03/17/2026 <br> Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxx. - Due Diligence Vendor-03/17/2026 <br> Open- - Due Diligence Vendor-03/17/2026 | Ready for Review-Document Uploaded. - Seller-03/25/2026 <br>Ready for Review-Document Uploaded. - Seller-03/19/2026<br>| Resolved-\*\*\*Received Revised CD - Due Diligence Vendor-03/28/2026<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 59.97% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.12 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.00 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 739422 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 793109 |  | D B A C | Closed | FCRE1764 | 2026-03-16 07:58 | 2026-03-24 09:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved-1st Lien Mortgage statement provided. - Due Diligence Vendor-03/24/2026 <br>Ready for Review-Document Uploaded. Please see attached which was in the file - Buyer-03/22/2026 <br>Open-Missing Senior Lien Doc I- Require Mortgage statement to verify first lien details and interest rate. - Due Diligence Vendor-03/16/2026 |  | Resolved-1st Lien Mortgage statement provided. - Due Diligence Vendor-03/24/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.27% 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 - 6.98 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 - 15.33 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.61 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 39.01 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 793109 |  | D B A C | Closed | FCRE3653 | 2026-03-17 19:30 | 2026-03-24 09:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-LOE and updated 1003 provided - Due Diligence Vendor-03/24/2026 <br> Ready for Review-Document Uploaded. See attached LOE from borrower that explained that the 1003 was completed in error and a revised 1003 - Buyer-03/22/2026 <br> Open-Need Confirmation that the borrowers primary residence is xxx. The Application states that this property is an investment property and there's no supporting documentation to confirm - Due Diligence Vendor-03/17/2026 |  | Resolved-LOE and updated 1003 provided - Due Diligence Vendor-03/24/2026<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.03<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.27% 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 - 6.98 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 - 15.33 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.61 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 39.01 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 793109 |  | D B A C | Closed | FPRO7466 | 2026-03-18 10:25 | 2026-03-24 09:06 | Waived | 2 - Non-Material C B | Property | Third Party Valuation | AVM Value(s) Do Not Adhere To Tolerance Criteria | Waived-Exception granted with supporting comp factors: AVM CONFIDENCE SCORE 89% Waived-Exception granted with supporting comp factors: AVM CONFIDENCE SCORE 89% Low Credit Usage Ratio 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> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.27% 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 - 6.98 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 - 15.33 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.61 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 39.01 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months Tradelines dating back to xxx. No lates reported on entire report.<br> B has owned property for 6+ years xxx ATR/QM: Not Applicable ATR/QM: Not Applicable xxx xxx Investment Refinance Cash Out - Other Originator Pre-Close Yes xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 793109 |  | D B A C | Closed | FCRE1200 | 2026-03-16 10:48 | 2026-03-18 10:09 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Comp factors include : Credit History Tradelines dating back to xxx. No lates reported on entire report, Borrower has owned property for 6+ years - Due Diligence Vendor-03/18/2026 <br> Rescinded-Audited Loan Amount of xxx is less than the Guideline Minimum Loan Amount of xxx Lender Exception is in the file on page xxx - xxx - Due Diligence Vendor-03/16/2026 |  | Waived-Comp factors include : Credit History Tradelines dating back to xxx. No lates reported on entire report, Borrower has owned property for 6+ years - Due Diligence Vendor-03/18/2026 <br> Rescinded-Audited Loan Amount of xxx is less than the Guideline Minimum Loan Amount of xxx Lender Exception is in the file on page xxx - xxx - Due Diligence Vendor-03/16/2026 | 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 0.03<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.27% 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 - 6.98 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 - 15.33 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.61 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 39.01 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx |
| 221865 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 806181 |  | D A | Closed | FCRE5782 | 2026-03-18 11:51 | 2026-03-26 10:40 | 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-03/26/2026 <br>Ready for Review-Document Uploaded. - Seller-03/25/2026 <br>Open-Borrower 1 Gap Credit Report is Missing Guidelines :Require: A gap credit or Undisclosed Debt Monitoring report is required no more than 10 days prior to loan closing or any time after closing - Due Diligence Vendor-03/18/2026 | Ready for Review-Document Uploaded. - Seller-03/25/2026<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-03/26/2026<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 0.08<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.46% 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 41.94 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | ATR/QM: Not Applicable | ATR/QM: Exempt | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 806181 |  | D A | Closed | FCRE5783 | 2026-03-18 11:51 | 2026-03-26 10:40 | 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-03/26/2026 <br>Ready for Review-Document Uploaded. - Seller-03/25/2026 <br>Open-Borrower 2 Gap Credit Report is Missing Guidelines :Require: A gap credit or Undisclosed Debt Monitoring report is required no more than 10 days prior to loan closing or any time after closing - Due Diligence Vendor-03/18/2026 | Ready for Review-Document Uploaded. - Seller-03/25/2026<br>| Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-03/26/2026<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 0.08<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.46% 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 41.94 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | ATR/QM: Not Applicable | ATR/QM: Exempt | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 940720 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 496915 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 |  |  |  |
| 967405 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 234886 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 552952 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 161532 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 274859 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 900366 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 325920 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 626090 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 479791 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 276116 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 618928 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 969847 |  | D A | Closed | FCRE1161 | 2026-03-20 06:33 | 2026-03-24 14:53 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-03/24/2026 <br>Ready for Review-Document Uploaded. - Seller-03/24/2026 <br>Open-Missing Flood Certificate - Due Diligence Vendor-03/20/2026 | Ready for Review-Document Uploaded. - Seller-03/24/2026<br>| Resolved-Flood Certificate is fully present - Due Diligence Vendor-03/24/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 61.53% Is Below the Guideline Maximum Of 75% 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 0.12<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 - 11.59 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.58 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.5% 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 - 11.59 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 68.24 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 255772 |  | C A | Closed | FPRO1245 | 2026-03-19 08:22 | 2026-03-20 12:23 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal is Expired | Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence Vendor-03/20/2026 <br> Open-Primary Value Appraisal is Expired, However appraisal 1004d is present pg#xxx Dated on xxx - Due Diligence Vendor-03/19/2026 |  | Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence Vendor-03/20/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 45.63 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 48.39% Is Below the Guideline Maximum Of 75% 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> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.00 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.35% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 560391 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 992392 |  | D A C | Closed | finding-47 | 2026-03-24 11:54 | 2026-03-30 11:33 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-03/30/2026 <br> Resolved- - Due Diligence Vendor-03/30/2026 <br> Ready for Review-Document Uploaded. see attached - Buyer-03/27/2026 <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 xxx - 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-03/24/2026 <br> Open- - Due Diligence Vendor-03/24/2026 |  | Resolved-PCCD received, data entered, no additional compliance findings. Thank you - Due Diligence Vendor-03/30/2026<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 - 13.58 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.57 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 - 13.59 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 11.92% 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 49.17% 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 - 7.00 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 992392 |  | D A C | Closed | FCRE9959 | 2026-03-23 13:32 | 2026-03-30 09:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing final closing disclosure/settlement statement/equivalent | Resolved-All pages of the Final CD provided - Due Diligence Vendor-03/30/2026 <br>Ready for Review-Document Uploaded. see attached. - Buyer-03/27/2026 <br>Open-The Final Closing Disclosure signed by the Borrower and Non-Borrowing Spouse is in the file but it is missing page 4. - Due Diligence Vendor-03/23/2026 |  | Resolved-All pages of the Final CD provided - Due Diligence Vendor-03/30/2026<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 - 13.58 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.57 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 - 13.59 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 11.92% 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 49.17% 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 - 7.00 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 276146 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 851689 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 260681 |  | D A | Closed | FCRE1316 | 2026-03-23 12:51 | 2026-03-30 10:07 | 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-03/30/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-03/29/2026 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-03/23/2026 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/30/2026<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 - 11.10 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 79.66% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 48.36 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 12.19% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.67 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 950933 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 438807 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 359695 |  | C A | Closed | finding-3652 | 2026-03-25 10:54 | 2026-03-30 07:58 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-\*\*Received COC - Due Diligence Vendor-03/30/2026 <br> Ready for Review-Document Uploaded. we are not sure what you are seeing. see attached. - Buyer-03/26/2026 <br> Open-\*\*\*\*\*\* The curative, specific &/or general Lender Credit(s) have been either reduced or removed, resulting in a 0% tolerance cure in the amount of $xxx. Please provide COC event details dated within 3 days of removal or reduction. Or 0% tolerance cure in the amount of $xxx is required. Please provide PCCD, LOE, copy of refund check and proof of mailing. - Due Diligence Vendor-03/25/2026 <br> Open- - Due Diligence Vendor-03/25/2026 <br> Open- - Due Diligence Vendor-03/25/2026 <br> Open- - Due Diligence Vendor-03/25/2026 <br> Open- - Due Diligence Vendor-03/25/2026 <br> Open- - Due Diligence Vendor-03/25/2026 |  | Resolved-\*\*Received COC - Due Diligence Vendor-03/30/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 14.11 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 - 14.12 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 74.39% 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 34.18% 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 - 21.58 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A | xxx |
| 993921 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 864106 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 475674 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 508279 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 916896 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 780074 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 689188 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Exempt | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 744014 |  | D A | Closed | FCRE1316 | 2026-03-25 13:41 | 2026-03-30 11:08 | 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-03/30/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Buyer-03/28/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Provide a 3rd Party Verification of Employment (VOE) for Borrower 1, dated within 30 days prior to the Note date, as the VOE is currently missing from the file.<br>Per GL, for self-employed borrowers, business existence must be verified within 30 days of the Note date using one of the following: letter from a business tax professional, online verification from a regulatory agency or licensing bureau, or certification of business existence via direct contact or internet search. - Due Diligence Vendor-03/25/2026 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/30/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Borrower 1 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<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.94 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 69.56% 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 62.92 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 624668 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 727017 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 507349 |  | B A | Closed | FCOM1797 | 2026-03-26 07:37 | 2026-03-30 08:57 | Resolved | 1 - Information B A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-Documentation provided is sufficient - Due Diligence Vendor-03/30/2026 <br>Ready for Review-Submitted under other finding - Buyer-03/28/2026 <br>Open-\*\*\*\*\*\*Documentation provided does not contain the Service Provider List and Homeownership Counseling 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 disclosures 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. Thank you - Due Diligence Vendor-03/27/2026 <br>Open-Service Provider List document is Missing. - Due Diligence Vendor-03/26/2026 |  | Resolved-Documentation provided is sufficient - Due Diligence Vendor-03/30/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.21 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 - 10.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.27 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 7.27% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 507349 |  | B A | Closed | FCOM1266 | 2026-03-26 07:37 | 2026-03-30 08:54 | 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-03/30/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Buyer-03/28/2026 <br>Open-\*\*\*\*\*\*Documentation provided does not contain the Service Provider List and Homeownership Counseling 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 disclosures 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. Thank you - Due Diligence Vendor-03/27/2026 <br>Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-03/26/2026 |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-03/30/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.21 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 - 10.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.27 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 7.27% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 737218 |  | D B A | Closed | FCRE1813 | 2026-03-26 13:23 | 2026-03-30 11:55 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Business Overview Incomplete | Waived-Exception granted with supporting comp factors: Exception needed for CPA letter prepared by borrower's tax attorney - Due Diligence Vendor-03/30/2026 <br> Ready for Review-Document Uploaded. Please see attached exception approval which was in the loan file. - Buyer-03/28/2026 <br> Open-Provide verification Tax attorney who provided the expense factor of 43.6%, used for income qualification, to support guidelines as a CPA/CTEC/EA or PTIN . Letter in file is from Tax Attorney with no verification. GL (8.5.4) requires the expense factor per a CPA/CTEC/EA letter may be applied. PTIN acceptable if documented as employed by a 3rd party tax preparation service. - Due Diligence Vendor-03/26/2026 |  | Waived-Exception granted with supporting comp factors: Exception needed for CPA letter prepared by borrower's tax attorney - Due Diligence Vendor-03/30/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 22.22 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 22.22 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 42.48% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.25 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 38.76% 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 - 24.00 Years | LTV Max - 90% Subject 45%<br> DTI Max - 50% Subject 38% | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx |
| 499424 |  | C B A | Closed | FCRE1254 | 2026-03-26 16:11 | 2026-03-30 11:49 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Title Supplement provided reflecting Item #'s 7-10 & Requirement #1 have been deleted - Due Diligence Vendor-03/30/2026 <br> Ready for Review-Document Uploaded. Please see attached which was in the file. - Buyer-03/28/2026 <br> Open-Property Title Issue The preliminary title report reflects 4 State Tax Liens for $xxx. Please provide satisfactory documentation to verify all 4 liens are paid and fully satisfied. Additionally, the final title policy should reflect no subordinate liens. - Due Diligence Vendor-03/26/2026 |  | Resolved-Title Supplement provided reflecting Item #'s 7-10 & Requirement #1 have been deleted - Due Diligence Vendor-03/30/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 17.83% 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 - 33.74 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 33.00 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.6 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.68% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | ATR/QM: Not Applicable | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 499424 |  | C B A | Closed | FPRO7466 | 2026-03-30 10:17 | 2026-03-30 10:18 | Waived | 2 - Non-Material C B | Property | Third Party Valuation | AVM Value(s) Do Not Adhere To Tolerance Criteria | Waived-Min Confidence Score 90% Subject 89% - Due Diligence Vendor-03/30/2026 <br>Open- - Due Diligence Vendor-03/30/2026 |  | Waived-Min Confidence Score 90% Subject 89% - Due Diligence Vendor-03/30/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 17.83% 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 - 33.74 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 33.00 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.6 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.68% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | Comp Factor#1 LTV Max - 80% Subject 48%<br> Comp Factor#2 DTI Max - 50% Subj - 33% |  | ATR/QM: Not Applicable | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes | xxx |

---

## Exhibit 99.1

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.1 - Schedule 2**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 666412 |  |  | xxx C NA B |
| 954827 |  |  | xxx A |
| 425490 |  |  | xxx D A |
| 384511 |  |  | xxx A D |
| 407419 |  |  | xxx D A |
| 662015 |  |  | xxx D A |
| 431948 |  |  | xxx A D NA |
| 162889 |  |  | xxx B A |
| 734089 |  |  | xxx C A B |
| 116618 |  |  | xxx A C |
| 799471 |  |  | xxx C A B |
| 278662 |  |  | xxx D A |
| 227077 |  |  | xxx C A |
| 284753 |  |  | xxx A |
| 885392 |  |  | xxx A |
| 596444 |  |  | xxx D A |
| 499589 |  |  | xxx D A |
| 540293 |  |  | xxx A C |
| 783809 |  |  | xxx A |
| 249230 |  |  | xxx D A B |
| 221534 |  |  | xxx A |
| 583579 |  |  | xxx C NA B |
| 620500 |  |  | xxx D A |
| 308990 |  |  | xxx A |
| 701724 |  |  | xxx A NA |
| 582888 |  |  | xxx A |
| 843378 |  |  | xxx A NA |
| 487698 |  |  | xxx A |
| 537402 |  |  | xxx A |
| 992003 |  |  | xxx A NA |
| 739369 |  |  | xxx D A NA |
| 224657 |  |  | xxx D A NA |
| 343032 |  |  | xxx A C NA |
| 172049 |  |  | xxx D A |
| 118490 |  |  | xxx A |
| 236515 |  |  | xxx A |
| 385296 |  |  | xxx A C NA B |
| 355684 |  |  | xxx A |
| 785436 |  |  | xxx A |
| 566623 |  |  | xxx A |
| 965852 |  |  | xxx A D |
| 593679 |  |  | xxx A |
| 327583 |  |  | xxx A |
| 353658 |  |  | xxx A C B |
| 330626 |  |  | xxx A NA |
| 637679 |  |  | xxx A NA |
| 736932 |  |  | xxx A C |
| 283093 |  |  | xxx A |
| 946207 |  |  | xxx D A |
| 362457 |  |  | xxx D A |
| 444018 |  |  | xxx A NA |
| 947077 |  |  | xxx D A |
| 114129 |  |  | xxx A |
| 172162 |  |  | xxx A |
| 779598 |  |  | xxx A C B |
| 637603 |  |  | xxx A |
| 168093 |  |  | xxx D A |
| 967784 |  |  | xxx D A NA |
| 621492 |  |  | xxx C A D B |
| 952028 |  |  | xxx A |
| 308097 |  |  | xxx A |
| 574615 |  |  | xxx D A NA |
| 690352 |  |  | xxx A |
| 208112 |  |  | xxx A C |
| 635945 |  |  | xxx D A NA B |
| 621023 |  |  | xxx D A NA |
| 707198 |  |  | xxx A NA D B |
| 837680 |  |  | xxx A NA |
| 488186 |  |  | xxx A |
| 586898 |  |  | xxx A |
| 601725 |  |  | xxx A NA |
| 609257 |  |  | xxx A |
| 866013 |  |  | xxx A |
| 880251 |  |  | xxx A |
| 986161 |  |  | xxx A |
| 474879 |  |  | xxx A |
| 845038 |  |  | xxx A D |
| 816016 |  |  | xxx A C NA |
| 800465 |  |  | xxx A C NA |
| 262812 |  |  | xxx D A NA |
| 200656 |  |  | xxx D A NA |
| 515373 |  |  | xxx A NA |
| 908207 |  |  | xxx A D NA |
| 838198 |  |  | xxx A |
| 924753 |  |  | xxx A NA |
| 337862 |  |  | xxx A NA |
| 744004 |  |  | xxx A NA |
| 808230 |  |  | xxx A C NA |
| 796954 |  |  | xxx D A NA |
| 607942 |  |  | xxx C A B |
| 982124 |  |  | xxx A NA |
| 840427 |  |  | xxx A NA |
| 858651 |  |  | xxx A NA |
| 904355 |  |  | xxx A |
| 541279 |  |  | xxx A |
| 504727 |  |  | xxx A |
| 966395 |  |  | xxx A C B |
| 602830 |  |  | xxx A |
| 308673 |  |  | xxx D A |
| 911283 |  |  | xxx D A |
| 315356 |  |  | xxx A |
| 399686 |  |  | xxx A NA |
| 808497 |  |  | xxx A |
| 453390 |  |  | xxx D C NA |
| 540535 |  |  | xxx A C |
| 354335 |  |  | xxx D A |
| 237572 |  |  | xxx A NA |
| 636493 |  |  | xxx A |
| 821276 |  |  | xxx D C A |
| 707577 |  |  | xxx A |
| 466061 |  |  | xxx A |
| 451196 |  |  | xxx D A NA |
| 936817 |  |  | xxx A |
| 875291 |  |  | xxx C A NA B |
| 655904 |  |  | xxx A NA |
| 991832 |  |  | xxx A D NA |
| 380013 |  |  | xxx A NA |
| 474829 |  |  | xxx B D A |
| 306311 |  |  | xxx A C NA |
| 967635 |  |  | xxx A NA |
| 597090 |  |  | xxx A |
| 496248 |  |  | xxx A D NA |
| 638477 |  |  | xxx A NA |
| 443690 |  |  | xxx A NA |
| 173768 |  |  | xxx A |
| 996210 |  |  | xxx A |
| 986442 |  |  | xxx A NA |
| 219475 |  |  | xxx D A NA |
| 526913 |  |  | xxx D A NA |
| 634429 |  |  | xxx A C |
| 587020 |  |  | xxx D A |
| 209264 |  |  | xxx A |
| 240306 |  |  | xxx A |
| 430407 |  |  | xxx A C |
| 868572 |  |  | xxx A |
| 313197 |  |  | xxx A |
| 735807 |  |  | xxx A |
| 916801 |  |  | xxx D A |
| 245711 |  |  | xxx D A |
| 540847 |  |  | xxx C A NA |
| 741520 |  |  | xxx D A |
| 765894 |  |  | xxx A NA |
| 151096 |  |  | xxx C A |
| 777557 |  |  | xxx B A |
| 901312 |  |  | xxx A |
| 972249 |  |  | xxx D C A |
| 520670 |  |  | xxx D A |
| 677309 |  |  | xxx C A |
| 491559 |  |  | xxx A NA |
| 126041 |  |  | xxx A C |
| 167434 |  |  | xxx A NA |
| 507653 |  |  | xxx A NA |
| 956384 |  |  | xxx C NA |
| 554632 |  |  | xxx A NA |
| 997841 |  |  | xxx A NA |
| 234225 |  |  | xxx D NA |
| 875719 |  |  | xxx D NA |
| 762536 |  |  | xxx A |
| 345946 |  |  | xxx D A NA |
| 823671 |  |  | xxx A NA |
| 750348 |  |  | xxx C A NA |
| 449930 |  |  | xxx A C NA |
| 535051 |  |  | xxx A NA |
| 602518 |  |  | xxx A NA |
| 521836 |  |  | xxx C A NA |
| 330744 |  |  | xxx D A C |
| 935612 |  |  | xxx A |
| 382674 |  |  | xxx A |
| 441294 |  |  | xxx A |
| 776615 |  |  | xxx A |
| 201111 |  |  | xxx A C B |
| 872872 |  |  | xxx A |
| 669324 |  |  | xxx A |
| 557894 |  |  | xxx A |
| 378985 |  |  | xxx A C |
| 378637 |  |  | xxx A NA |
| 389165 |  |  | xxx C A NA |
| 266020 |  |  | xxx C A NA D B |
| 144900 |  |  | xxx D A NA |
| 155647 |  |  | xxx A NA |
| 347264 |  |  | xxx D NA |
| 926207 |  |  | xxx A C NA |
| 266438 |  |  | xxx A |
| 816160 |  |  | xxx C A B |
| 405452 |  |  | xxx A |
| 221567 |  |  | xxx A C |
| 689181 |  |  | xxx D A C |
| 493262 |  |  | xxx A NA |
| 466376 |  |  | xxx A NA |
| 146142 |  |  | xxx A NA |
| 605022 |  |  | xxx D A NA |
| 418799 |  |  | xxx C A |
| 995763 |  |  | xxx A NA |
| 416762 |  |  | xxx A NA |
| 274984 |  |  | xxx B A NA |
| 200602 |  |  | xxx A NA |
| 476109 |  |  | xxx A |
| 924744 |  |  | xxx A |
| 886071 |  |  | xxx A |
| 578249 |  |  | xxx D A |
| 381671 |  |  | xxx A |
| 831193 |  |  | xxx C A |
| 744418 |  |  | xxx A |
| 129038 |  |  | xxx D B A |
| 280654 |  |  | xxx C A NA |
| 616061 |  |  | xxx A C NA |
| 373766 |  |  | xxx A NA |
| 238910 |  |  | xxx C A NA |
| 335207 |  |  | xxx D A NA |
| 460239 |  |  | xxx D B NA |
| 668515 |  |  | xxx A NA C B |
| 964939 |  |  | xxx C A NA |
| 222279 |  |  | xxx D A NA |
| 372484 |  |  | xxx D A NA |
| 162767 |  |  | xxx A |
| 603220 |  |  | xxx C A |
| 568169 |  |  | xxx C A |
| 494122 |  |  | xxx A |
| 419524 |  |  | xxx A |
| 945065 |  |  | xxx A |
| 583406 |  |  | xxx A NA D |
| 428195 |  |  | xxx A |
| 445386 |  |  | xxx D A C |
| 808685 |  |  | xxx B A NA |
| 177338 |  |  | xxx D C NA |
| 931670 |  |  | xxx D A |
| 220306 |  |  | xxx D C NA B |
| 843306 |  |  | xxx A C NA |
| 139297 |  |  | xxx A NA |
| 503460 |  |  | xxx D A NA C |
| 498999 |  |  | xxx A NA |
| 861599 |  |  | xxx B A NA |
| 836731 |  |  | xxx C D A |
| 545012 |  |  | xxx A NA |
| 836064 |  |  | xxx A C NA D |
| 208046 |  |  | xxx C D NA |
| 987717 |  |  | xxx A |
| 710247 |  |  | xxx A |
| 309347 |  |  | xxx A |
| 566823 |  |  | xxx C A |
| 520136 |  |  | xxx A |
| 118411 |  |  | xxx A NA |
| 505521 |  |  | xxx A NA |
| 424871 |  |  | xxx A NA |
| 737944 |  |  | xxx D A B |
| 720878 |  |  | xxx A NA |
| 848857 |  |  | xxx D A NA |
| 263688 |  |  | xxx D A |
| 950760 |  |  | xxx D A |
| 762245 |  |  | xxx A NA |
| 889087 |  |  | xxx D C A |
| 473928 |  |  | xxx A NA |
| 375178 |  |  | xxx D A NA |
| 589365 |  |  | xxx A NA |
| 204203 |  |  | xxx A NA |
| 316769 |  |  | xxx A NA |
| 923179 |  |  | xxx A NA |
| 150727 |  |  | xxx D C NA B |
| 590613 |  |  | xxx C A NA B |
| 186210 |  |  | xxx D A NA |
| 319692 |  |  | xxx C A NA |
| 500989 |  |  | xxx D A NA |
| 178200 |  |  | xxx A NA |
| 256891 |  |  | xxx A NA |
| 767502 |  |  | xxx D A NA |
| 340071 |  |  | xxx C A |
| 506218 |  |  | xxx A C NA |
| 614230 |  |  | xxx A NA |
| 368144 |  |  | xxx A D |
| 936032 |  |  | xxx A NA |
| 351821 |  |  | xxx C A |
| 339970 |  |  | xxx A NA |
| 623136 |  |  | xxx A |
| 898049 |  |  | xxx A NA |
| 671657 |  |  | xxx A NA |
| 842468 |  |  | xxx D A NA |
| 202845 |  |  | xxx D C NA |
| 176350 |  |  | xxx A NA |
| 304060 |  |  | xxx A NA |
| 611348 |  |  | xxx A |
| 504089 |  |  | xxx D A NA |
| 440592 |  |  | xxx D A |
| 297938 |  |  | xxx B A NA |
| 691099 |  |  | xxx A |
| 514865 |  |  | xxx A |
| 835883 |  |  | xxx A |
| 157326 |  |  | xxx A |
| 427039 |  |  | xxx A |
| 250055 |  |  | xxx D A |
| 289828 |  |  | xxx A |
| 460884 |  |  | xxx A NA |
| 446888 |  |  | xxx D A |
| 531779 |  |  | xxx A |
| 476038 |  |  | xxx A NA |
| 157072 |  |  | xxx D NA C |
| 222628 |  |  | xxx D C A B |
| 974533 |  |  | xxx D A NA C B |
| 898791 |  |  | xxx A |
| 300554 |  |  | xxx A |
| 791920 |  |  | xxx D A |
| 145463 |  |  | xxx A |
| 925136 |  |  | xxx A |
| 114988 |  |  | xxx A |
| 775875 |  |  | xxx A NA |
| 607594 |  |  | xxx A |
| 888911 |  |  | xxx A B NA |
| 785980 |  |  | xxx A NA |
| 895476 |  |  | xxx A NA |
| 465350 |  |  | xxx A NA |
| 351004 |  |  | xxx A |
| 472905 |  |  | xxx A NA |
| 496438 |  |  | xxx A |
| 774056 |  |  | xxx A |
| 853793 |  |  | xxx A C |
| 963571 |  |  | xxx C A NA |
| 548067 |  |  | xxx A |
| 885252 |  |  | xxx A NA C |
| 308023 |  |  | xxx D A |
| 262230 |  |  | xxx A |
| 306256 |  |  | xxx A |
| 491038 |  |  | xxx A NA D |
| 587961 |  |  | xxx A C NA |
| 504106 |  |  | xxx A NA |
| 933272 |  |  | xxx A |
| 455365 |  |  | xxx A NA |
| 365260 |  |  | xxx C A NA |
| 716432 |  |  | xxx C D NA |
| 752059 |  |  | xxx A NA |
| 763641 |  |  | xxx A NA |
| 714441 |  |  | xxx A NA |
| 619875 |  |  | xxx A NA C |
| 210119 |  |  | xxx D A NA |
| 684669 |  |  | xxx A C NA B |
| 885026 |  |  | xxx D A B |
| 298435 |  |  | xxx D A |
| 614687 |  |  | xxx C NA |
| 811571 |  |  | xxx A NA |
| 727051 |  |  | xxx A NA |
| 334150 |  |  | xxx D A NA C B |
| 505355 |  |  | xxx A NA |
| 653226 |  |  | xxx A |
| 193578 |  |  | xxx A |
| 114271 |  |  | xxx A |
| 286632 |  |  | xxx A |
| 238981 |  |  | xxx D A NA |
| 177640 |  |  | xxx A NA |
| 841991 |  |  | xxx A C |
| 475102 |  |  | xxx A |
| 401993 |  |  | xxx A |
| 811840 |  |  | xxx A NA |
| 301234 |  |  | xxx A NA |
| 144055 |  |  | xxx A NA |
| 803032 |  |  | xxx D A NA |
| 490728 |  |  | xxx A NA |
| 322307 |  |  | xxx D A |
| 393687 |  |  | xxx A NA |
| 572506 |  |  | xxx A NA |
| 909952 |  |  | xxx A NA |
| 829805 |  |  | xxx A NA |
| 546619 |  |  | xxx A |
| 252131 |  |  | xxx A NA |
| 524375 |  |  | xxx D C A |
| 160348 |  |  | xxx A NA |
| 797250 |  |  | xxx A NA |
| 926444 |  |  | xxx A D |
| 339880 |  |  | xxx D A NA |
| 821036 |  |  | xxx A |
| 115087 |  |  | xxx C A NA |
| 790735 |  |  | xxx A NA |
| 200972 |  |  | xxx A NA |
| 500097 |  |  | xxx A D |
| 704739 |  |  | xxx D A |
| 562860 |  |  | xxx A |
| 682901 |  |  | xxx B A |
| 502465 |  |  | xxx A |
| 994911 |  |  | xxx A |
| 992289 |  |  | xxx C A |
| 226189 |  |  | xxx A C |
| 991879 |  |  | xxx C A |
| 901396 |  |  | xxx A C |
| 804565 |  |  | xxx A |
| 391468 |  |  | xxx D A |
| 277299 |  |  | xxx A |
| 823026 |  |  | xxx C A |
| 477679 |  |  | xxx D A |
| 167998 |  |  | xxx A B |
| 899364 |  |  | xxx A |
| 263216 |  |  | xxx A NA |
| 669174 |  |  | xxx A NA |
| 205605 |  |  | xxx A |
| 484279 |  |  | xxx A NA |
| 273104 |  |  | xxx B A NA C |
| 772680 |  |  | xxx A NA |
| 546245 |  |  | xxx A NA |
| 559831 |  |  | xxx A NA |
| 661423 |  |  | xxx A NA |
| 564779 |  |  | xxx D C A |
| 210466 |  |  | xxx A |
| 268004 |  |  | xxx A |
| 584409 |  |  | xxx A NA |
| 212107 |  |  | xxx A C NA D |
| 973789 |  |  | xxx A |
| 806240 |  |  | xxx A |
| 425338 |  |  | xxx C A NA |
| 226240 |  |  | xxx A |
| 427887 |  |  | xxx D A |
| 166120 |  |  | xxx A |
| 472143 |  |  | xxx A |
| 850767 |  |  | xxx A NA |
| 613998 |  |  | xxx A |
| 483317 |  |  | xxx A C |
| 256862 |  |  | xxx D A |
| 811205 |  |  | xxx A C NA |
| 845591 |  |  | xxx A D |
| 230730 |  |  | xxx D A |
| 150819 |  |  | xxx A NA |
| 765816 |  |  | xxx A NA |
| 600035 |  |  | xxx A NA |
| 956835 |  |  | xxx C NA B |
| 301464 |  |  | xxx A D NA |
| 745055 |  |  | xxx A NA |
| 470702 |  |  | xxx A |
| 401352 |  |  | xxx A |
| 342532 |  |  | xxx A |
| 716715 |  |  | xxx A D |
| 881197 |  |  | xxx A |
| 659024 |  |  | xxx A |
| 469758 |  |  | xxx A |
| 274229 |  |  | xxx C A B |
| 592397 |  |  | xxx A NA |
| 691687 |  |  | xxx D A |
| 977311 |  |  | xxx A NA |
| 291535 |  |  | xxx C A NA |
| 668046 |  |  | xxx A |
| 976207 |  |  | xxx A NA |
| 982017 |  |  | xxx A NA |
| 925095 |  |  | xxx A NA |
| 749921 |  |  | xxx D A NA |
| 855369 |  |  | xxx A |
| 918807 |  |  | xxx A NA |
| 305216 |  |  | xxx A NA |
| 654925 |  |  | xxx D A NA |
| 936213 |  |  | xxx A |
| 425512 |  |  | xxx A |
| 583580 |  |  | xxx A NA |
| 709424 |  |  | xxx A |
| 296228 |  |  | xxx A C NA |
| 739422 |  |  | xxx A NA |
| 793109 |  |  | xxx D A NA C B |
| 221865 |  |  | xxx A NA |
| 806181 |  |  | xxx D A |
| 940720 |  |  | xxx A NA |
| 496915 |  |  | xxx A C NA |
| 967405 |  |  | xxx A |
| 234886 |  |  | xxx A NA |
| 552952 |  |  | xxx A NA |
| 161532 |  |  | xxx A NA |
| 274859 |  |  | xxx A |
| 900366 |  |  | xxx A NA |
| 325920 |  |  | xxx A NA |
| 626090 |  |  | xxx A |
| 479791 |  |  | xxx A |
| 276116 |  |  | xxx A |
| 618928 |  |  | xxx A |
| 969847 |  |  | xxx D A |
| 255772 |  |  | xxx C A |
| 560391 |  |  | xxx A |
| 992392 |  |  | xxx D C A |
| 276146 |  |  | xxx A |
| 851689 |  |  | xxx A NA |
| 260681 |  |  | xxx D A NA |
| 950933 |  |  | xxx A |
| 438807 |  |  | xxx A NA |
| 359695 |  |  | xxx A C NA |
| 993921 |  |  | xxx A |
| 864106 |  |  | xxx A |
| 475674 |  |  | xxx A |
| 508279 |  |  | xxx A |
| 916896 |  |  | xxx A |
| 780074 |  |  | xxx A |
| 689188 |  |  | xxx A NA |
| 744014 |  |  | xxx D A NA |
| 624668 |  |  | xxx A NA |
| 727017 |  |  | xxx A NA |
| 507349 |  |  | xxx A B NA |
| 737218 |  |  | xxx D A B |
| 499424 |  |  | xxx C A NA B |

---

## Exhibit 99.1

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.1 - Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| 666412 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 7.69 | 32.25 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 954827 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 10.87 | 72.99 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 425490 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 25.22 | 64.55 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | xxx |
| 384511 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 23.38 | 62.73 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | xxx |
| 407419 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 10.53 | 41.47 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 662015 |  |  | xxx | xxx | 0 | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 5.0 | 80.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 431948 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM |  |  |  | xxx | 20.88 | 78.59 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 90.0 | 0.1 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 162889 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 26.13 | 53.83 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | 0.0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 734089 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 26.87 | 64.97 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | xxx |
| 116618 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 22.88 | 38.53 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 799471 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 14.46 | 61.03 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 278662 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 27.75 | 79.85 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1 | xxx |
| 227077 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 28.22 | 52.26 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | xxx |
| 284753 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 11.33 | 74.6 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1.1 | xxx |
| 885392 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 29.35 | 90.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1.4 | xxx |
| 596444 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 41.67 | 78.93 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | xxx |
| 499589 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 6.47 | 80.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 540293 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 31.89 | 79.88 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 783809 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 43.37 | 72.61 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0915 | 89.0 | 0.11 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 249230 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 26.52 | 63.4 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 221534 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 22.57 | 61.05 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 583579 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 10.0 | 56.23 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 620500 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 25.25 | 70.8 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Good | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | xxx |
| 308990 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 20.27 | 70.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 701724 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 36.92 | 74.72 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 582888 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 13.61 | 73.67 | xxx | xxx | -.0340 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0340 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1 | xxx |
| 843378 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 34.28 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 487698 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 26.04 | 62.11 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 537402 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 41.99 | 79.64 | xxx | xxx | .0363 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | .0363 | 86.0 | 0.14 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | xxx |
| 992003 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 20.67 | 76.73 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 739369 |  |  | xxx | xxx | 0 | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 23.1 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 224657 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 23.04 | 70.61 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 343032 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 43.48 | 84.41 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 172049 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 18.61 | 67.76 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 118490 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 26.98 | 62.66 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible |  |  |
| 236515 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 25.4 | 80.7 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 385296 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 35.28 | 63.73 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 355684 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 13.72 | 79.76 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1.6 | xxx |
| 785436 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 10.48 | 54.57 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 566623 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 5.35 | 65.45 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 965852 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 19.11 | 70.91 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1 | xxx |
| 593679 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 17.14 | 63.3 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | xxx |
| 327583 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 39.53 | 68.95 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx |
| 353658 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM |  |  |  | xxx | 33.41 | 79.37 | xxx | 0.0 | .0000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  | 94.0 | 0.06 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 330626 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 31.15 | 64.82 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 637679 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 38.54 | 74.25 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 736932 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 13.49 | 75.98 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | xxx |
| 283093 |  |  | xxx | xxx | 0 | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 18.48 | 53.75 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 946207 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 37.04 | 78.07 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | xxx |
| 362457 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 53.02 | 74.96 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 444018 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 12.27 | 65.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 947077 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 23.1 | 62.51 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 114129 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 32.03 | 78.65 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible |  |  |
| 172162 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 12.38 | 64.42 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 779598 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 19.92 | 67.04 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 637603 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 21.72 | 74.97 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | xxx |
| 168093 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 21.09 | 74.77 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | xxx |
| 967784 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 15.17 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 621492 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 20.83 | 67.84 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 952028 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 33.33 | 74.94 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | xxx |
| 308097 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 13.32 | 70.81 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 574615 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 30.44 | 64.71 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 690352 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 50.0 | 69.09 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | xxx |
| 208112 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 22.18 | 74.96 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 635945 |  |  | xxx | xxx | 0 | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 9.97 | 69.88 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 621023 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 20.48 | 66.47 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 707198 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | AVM |  |  |  | xxx | 21.64 | 79.82 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 89.0 | 0.11 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 837680 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 32.93 | 79.68 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 488186 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 20.51 | 79.12 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 586898 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 31.87 | 69.46 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1 | xxx |
| 601725 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | AVM |  |  |  | xxx | 37.1 | 66.28 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 93.0 | 0.07 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 609257 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 17.79 | 68.47 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible |  |  |
| 866013 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 14.29 | 19.53 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 880251 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 11.68 | 43.16 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 986161 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 27.26 | 68.96 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 474879 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 15.05 | 63.69 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | xxx |
| 845038 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 15.56 | 43.97 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1 | xxx |
| 816016 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 14.78 | 77.61 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 800465 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 10.58 | 41.87 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 262812 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 8.33 | 59.78 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200656 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 18.89 | 60.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 515373 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM |  |  |  | xxx | 14.79 | 73.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 93.0 | 0.07 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 908207 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 21.96 | 45.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 838198 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 26.76 | 80.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible |  |  |
| 924753 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 10.0 | 32.86 | xxx | xxx | -.3611 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | -.3611 | 76.0 | 0.24 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 337862 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 21.9 | 79.46 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 744004 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 33.77 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 808230 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 15.95 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 796954 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 13.64 | 54.37 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 607942 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 44.83 | 82.98 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 982124 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 21.17 | 63.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 840427 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 39.98 | 60.77 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 858651 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 8.82 | 46.88 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 904355 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 41.45 | 74.94 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | xxx |
| 541279 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 14.9 | 79.98 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1.3 | xxx |
| 504727 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 21.32 | 77.45 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1 | xxx |
| 966395 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 27.81 | 79.26 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 602830 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 26.92 | 58.46 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | xxx |
| 308673 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 27.2 | 70.09 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 911283 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 21.31 | 53.3 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible |  |  |
| 315356 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 15.91 | 74.3 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 399686 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 13.88 | 55.18 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 808497 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 35.71 | 73.68 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | xxx |
| 453390 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 13.45 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 540535 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 17.14 | 62.24 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1 | xxx |
| 354335 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 29.62 | 72.81 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1 | xxx |
| 237572 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 17.5 | 35.52 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 636493 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 18.31 | 81.41 | xxx | xxx | -.0367 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0367 | 95.0 | 0.05 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 821276 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 11.11 | 50.25 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 707577 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 26.89 | 77.61 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 466061 |  |  | xxx | xxx | 0 | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 13.16 | 65.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | xxx |
| 451196 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 15.68 | 69.87 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 936817 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 9.26 | 74.07 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | xxx | xxx | .0556 | xxx | 1004 URAR |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | xxx |
| 875291 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM |  |  |  | xxx | 12.84 | 57.38 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 87.0 | 0.13 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 655904 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 17.09 | 66.92 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 991832 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | AVM |  |  |  | xxx | 24.76 | 79.93 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 90.0 | 0.1 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 380013 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM |  |  |  | xxx | 22.15 | 79.74 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 92.0 | 0.08 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 474829 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 23.01 | 74.66 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 306311 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 30.77 | 83.57 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 967635 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 15.96 | 86.77 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 597090 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 26.25 | 75.98 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 496248 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 19.0 | 62.82 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 638477 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM |  |  |  | xxx | 24.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 92.0 | 0.08 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 443690 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 38.56 | 54.23 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 173768 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 13.26 | 25.24 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | xxx |
| 996210 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 31.04 | 79.88 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 986442 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 33.85 | 69.75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 219475 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 20.99 | 74.79 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 526913 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | AVM |  |  |  | xxx | 22.8 | 55.45 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 96.0 | 0.04 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 634429 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 34.48 | 79.79 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | LOW RISK | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible |  |  |
| 587020 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 6.86 | 63.59 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1.4 | xxx |
| 209264 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 26.36 | 80.0 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible |  |  |
| 240306 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 18.06 | 63.85 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1.2 | xxx |
| 430407 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 34.7 | 69.9 | xxx | xxx | -.0246 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0246 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 868572 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 22.72 | 74.76 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 313197 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 16.67 | 76.92 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1.8 | xxx |
| 735807 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 19.64 | 82.41 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 916801 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 13.56 | 66.8 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | xxx |
| 245711 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 15.84 | 55.44 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1 | xxx |
| 540847 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 20.24 | 57.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 741520 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 33.33 | 79.92 | xxx | xxx | .0033 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | .0033 | xxx | 93.0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 765894 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 37.2 | 84.69 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 151096 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 31.35 | 64.89 | xxx | xxx | -.0038 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0038 | 94.0 | 0.06 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 777557 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 36.13 | 79.5 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | xxx |
| 901312 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 14.56 | 79.63 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 972249 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 22.95 | 78.61 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1 | xxx |
| 520670 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 13.16 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 2.1 | xxx |
| 677309 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 38.46 | 75.44 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | xxx |
| 491559 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 12.43 | 61.78 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 126041 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 32.07 | 79.5 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 167434 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 32.31 | 72.51 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 507653 |  |  | xxx | xxx | 0 | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 26.67 | 65.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 956384 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 23.7 | 79.88 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 554632 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM |  |  |  | xxx | 25.55 | 74.8 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 92.0 | 0.08 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 997841 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 17.83 | 69.65 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 234225 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 35.71 | 79.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 875719 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 10.25 | 62.54 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 762536 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 22.31 | 78.64 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 345946 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM |  |  |  | xxx | 28.77 | 79.78 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 92.0 | 0.08 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 823671 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | AVM |  |  |  | xxx | 16.39 | 64.33 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 96.0 | 0.04 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 750348 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 13.71 | 74.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 449930 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 30.77 | 66.83 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 535051 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 11.88 | 84.98 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 602518 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 14.33 | 47.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 521836 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 39.31 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 330744 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 15.44 | 58.13 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible |  |  |
| 935612 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 10.84 | 64.12 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 382674 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 21.01 | 66.69 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 441294 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 13.82 | 74.99 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 776615 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 25.64 | 54.28 | xxx | xxx | -.0769 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0769 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 201111 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 14.47 | 61.8 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 872872 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 11.9 | 41.22 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | xxx |
| 669324 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 6.85 | 79.06 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 557894 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 9.02 | 60.16 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Low | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible |  |  |
| 378985 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 17.68 | 29.58 | xxx | xxx | -.0927 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0927 | 87.0 | 0.13 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 378637 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 30.43 | 79.8 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 389165 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM |  |  |  | xxx | 25.48 | 74.67 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 92.0 | 0.08 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 266020 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM |  |  |  | xxx | 15.52 | 33.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 88.0 | 0.12 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 144900 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 36.94 | 79.55 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 155647 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | AVM |  |  |  | xxx | 32.67 | 72.42 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 91.0 | 0.09 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 347264 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 25.86 | 61.58 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 926207 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 18.78 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 266438 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 12.21 | 59.81 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 816160 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 42.97 | 69.9 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 405452 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 41.74 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | xxx |
| 221567 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 18.49 | 66.24 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | xxx |
| 689181 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 26.36 | 75.0 | xxx | xxx | -.0023 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0023 | 96.0 | 0.04 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 493262 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 22.18 | 65.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 466376 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 10.0 | 70.83 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 146142 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 15.43 | 48.65 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 605022 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 8.15 | 57.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 418799 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 12.5 | 43.22 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | xxx |
| 995763 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 14.86 | 79.83 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 416762 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 17.64 | 69.89 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 274984 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 8.47 | 46.42 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200602 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 13.68 | 40.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 476109 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 26.67 | 67.37 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible |  |  |
| 924744 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 19.18 | 79.99 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 886071 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 11.84 | 32.67 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1.9 | xxx |
| 578249 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 15.63 | 57.8 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 381671 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 12.56 | 53.34 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1.4 | xxx |
| 831193 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 13.38 | 79.67 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 744418 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 16.47 | 80.86 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 129038 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 12.38 | 69.02 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 280654 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 10.55 | 89.98 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 616061 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 24.19 | 57.57 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 373766 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 23.08 | 64.21 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 238910 |  |  | xxx | xxx | 0 | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 18.67 | 43.65 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 335207 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 15.45 | 62.81 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 460239 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 20.49 | 68.53 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 668515 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM |  |  |  | xxx | 21.42 | 56.93 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 87.0 | 0.13 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 964939 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 9.5 | 79.72 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 222279 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 23.53 | 67.36 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 372484 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM |  |  |  | xxx | 21.32 | 67.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 94.0 | 0.06 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 162767 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 27.76 | 84.39 | xxx | 0.0 | .0000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 603220 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 19.08 | 82.36 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 2.4 | xxx |
| 568169 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 14.83 | 48.06 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | xxx |
| 494122 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 11.21 | 56.26 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 419524 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 15.0 | 55.19 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 945065 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 10.6 | 79.61 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 583406 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 16.72 | 62.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 428195 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 11.52 | 74.38 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1.9 | xxx |
| 445386 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 36.33 | 58.12 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | LOW RISK | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 808685 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 44.81 | 69.94 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 177338 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 39.0 | 69.85 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 931670 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 4.68 | 72.12 | xxx | xxx | -.0045 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0045 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 220306 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 11.53 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 843306 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 7.27 | 45.52 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 139297 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 27.2 | 56.86 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 503460 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 30.64 | 64.98 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 498999 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 21.64 | 69.48 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 861599 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 11.88 | 47.97 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 836731 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 13.64 | 64.54 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 545012 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 14.87 | 79.95 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 836064 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM |  |  |  | xxx | 26.38 | 67.83 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 92.0 | 0.08 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 208046 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 35.2 | 54.68 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 987717 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 13.51 | 59.58 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible |  |  |
| 710247 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 27.54 | 78.63 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 309347 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 20.0 | 66.41 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 566823 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 16.71 | 73.01 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1.4 | xxx |
| 520136 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 47.5 | 79.97 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1.1 | xxx |
| 118411 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 13.12 | 78.67 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 505521 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 30.88 | 74.67 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 424871 |  |  | xxx | xxx | 0 | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 9.09 | 72.73 |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 737944 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 38.06 | 76.24 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 720878 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM |  |  |  | xxx | 36.24 | 79.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 90.0 | 0.1 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 848857 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 35.97 | 68.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 263688 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 46.1 | 89.49 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 2.4 | xxx |
| 950760 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 10.27 | 65.17 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 762245 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 22.14 | 73.92 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 889087 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 20.33 | 56.32 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1.4 | xxx |
| 473928 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 27.03 | 56.24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 375178 |  |  | xxx | xxx | 0 | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 9.21 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 589365 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 14.08 | 71.46 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 204203 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 15.84 | 63.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 316769 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 19.83 | 89.13 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 923179 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 13.68 | 34.84 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 150727 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 13.04 | 78.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 590613 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 15.58 | 55.01 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 186210 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 33.64 | 69.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 319692 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 15.05 | 64.86 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500989 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 24.45 | 71.44 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 178200 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 15.61 | 73.45 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 256891 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 26.79 | 60.87 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 767502 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 25.44 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 340071 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 6.12 | 26.79 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible |  |  |
| 506218 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 18.68 | 74.74 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 614230 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 18.07 | 71.49 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 368144 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 31.35 | 79.33 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1 | xxx |
| 936032 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 18.58 | 69.94 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 351821 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 9.85 | 49.89 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 | xxx |
| 339970 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 9.74 | 68.41 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 623136 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 13.78 | 70.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 898049 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 32.73 | 69.82 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 671657 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM |  |  |  | xxx | 24.89 | 48.68 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 90.0 | 0.1 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 842468 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 30.36 | 59.56 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 202845 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 13.64 | 56.5 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 176350 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 18.75 | 72.39 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 304060 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 49.05 | 74.53 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 611348 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 15.68 | 73.02 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 504089 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 27.59 | 79.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 440592 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 35.65 | 79.82 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 297938 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 30.0 | 62.5 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 691099 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 26.63 | 60.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 514865 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 19.14 | 79.99 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 835883 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 11.12 | 74.86 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx |
| 157326 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 15.63 | 67.04 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 427039 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 18.99 | 85.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1.5 | xxx |
| 250055 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 20.94 | 68.51 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1.3 | xxx |
| 289828 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 23.56 | 63.33 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1 | xxx |
| 460884 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM |  |  |  | xxx | 27.61 | 68.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 94.0 | 0.06 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 446888 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 12.77 | 79.58 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1 | xxx |
| 531779 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 3.76 | 26.53 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | xxx |
| 476038 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM |  |  |  | xxx | 20.14 | 79.87 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 92.0 | 0.08 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 157072 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM |  |  |  | xxx | 29.53 | 79.36 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 98.0 | 0.02 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 222628 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 8.95 | 56.69 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 974533 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | AVM |  |  |  | xxx | 16.66 | 79.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 93.0 | 0.07 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 898791 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 11.83 | 58.06 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | xxx |
| 300554 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 40.08 | 68.18 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible |  |  |
| 791920 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 13.38 | 52.97 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 145463 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 33.27 | 64.99 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 925136 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 33.78 | 74.85 | xxx | 0.0 | .0000 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 114988 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 25.77 | 61.66 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1 | xxx |
| 775875 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 30.0 | 71.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 607594 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 27.5 | 41.39 | xxx | xxx | -.0871 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0871 | 93.0 | 0.07 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 888911 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 13.64 | 79.94 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 785980 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 22.22 | 71.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 895476 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 11.38 | 29.72 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 465350 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 19.92 | 69.64 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 351004 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 15.92 | 69.61 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 472905 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 19.61 | 74.88 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 496438 |  |  | xxx | xxx | 0 | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 12.86 | 70.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | MODERATE RISK | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 774056 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 32.77 | 80.0 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible |  |  |
| 853793 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 13.33 | 50.34 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | xxx |
| 963571 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 9.91 | 39.06 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 548067 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 33.85 | 74.98 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 885252 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 22.46 | 73.69 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 308023 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 23.87 | 63.33 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | xxx |
| 262230 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 13.33 | 52.28 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 306256 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 27.94 | 58.2 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 2 | xxx |
| 491038 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM |  |  |  | xxx | 19.78 | 74.57 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 95.0 | 0.05 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 587961 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 11.43 | 51.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 504106 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 16.51 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 933272 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 17.86 | 52.99 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 455365 |  |  | xxx | xxx | 0 | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 15.71 | 69.23 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 365260 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 32.14 | 63.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 716432 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 27.46 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 752059 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 32.69 | 71.69 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 763641 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 16.39 | 54.2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 714441 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 11.58 | 52.54 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 619875 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 16.41 | 79.88 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 210119 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 22.11 | 58.02 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 684669 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 18.86 | 72.18 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 885026 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 28.42 | 79.96 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 298435 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 33.74 | 70.0 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 614687 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 28.89 | 57.44 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 811571 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 13.15 | 80.14 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 727051 |  |  | xxx | xxx |  | xxx | xxx | xxx | AVM |  |  |  | xxx | 27.24 | 52.84 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 92.0 | 0.08 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 334150 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | AVM |  |  |  | xxx | 22.32 | 71.83 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 91.0 | 0.09 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 505355 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 37.23 | 56.55 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 653226 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 20.48 | 48.45 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | xxx |
| 193578 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 13.49 | 77.4 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1.3 | xxx |
| 114271 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 32.97 | 60.96 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1.1 | xxx |
| 286632 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 15.49 | 63.75 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 2 | xxx |
| 238981 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 28.91 | 89.78 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 177640 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | AVM |  |  |  | xxx | 11.11 | 54.3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 96.0 | 0.04 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 841991 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 28.94 | 54.3 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 475102 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 23.53 | 78.96 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1 | xxx |
| 401993 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 9.82 | 68.33 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 811840 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 23.26 | 57.53 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 301234 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 40.0 | 59.64 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 144055 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 45.77 | 74.41 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 803032 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 12.71 | 54.49 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 490728 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM |  |  |  | xxx | 25.83 | 79.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 90.0 | 0.1 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 322307 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 6.41 | 54.28 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 393687 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM |  |  |  | xxx | 22.25 | 59.9 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 91.0 | 0.09 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 572506 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | AVM |  |  |  | xxx | 19.72 | 49.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 92.0 | 0.08 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 909952 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM |  |  |  | xxx | 18.52 | 49.29 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 93.0 | 0.07 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 829805 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 28.04 | 79.94 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 546619 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 9.95 | 73.3 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx |
| 252131 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 34.84 | 62.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 524375 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 26.14 | 84.68 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 160348 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 12.43 | 88.17 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 797250 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 25.9 | 59.92 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 926444 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 28.99 | 74.86 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 2 | xxx |
| 339880 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM |  |  |  | xxx | 30.64 | 68.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 90.0 | 0.1 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 821036 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 36.57 | 68.32 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 115087 |  |  | xxx | xxx | 0 | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 36.74 | 69.33 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 790735 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM |  |  |  | xxx | 33.23 | 69.97 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 91.0 | 0.09 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 200972 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 13.67 | 58.75 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 500097 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 21.35 | 70.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 704739 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 21.56 | 40.95 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 562860 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 21.14 | 85.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 682901 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 15.0 | 78.08 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 502465 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 12.0 | 74.81 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 994911 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 24.3 | 73.14 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1.5 | xxx |
| 992289 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 26.62 | 79.93 | xxx | xxx | -.0614 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0614 | xxx | low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 226189 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 34.45 | 79.88 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 991879 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 21.95 | 56.82 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1 | xxx |
| 901396 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 14.08 | 71.48 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible |  |  |
| 804565 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 26.98 | 79.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx |
| 391468 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 23.53 | 71.67 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 277299 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 24.93 | 79.73 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 823026 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 21.77 | 79.82 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 2.1 | xxx |
| 477679 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 22.73 | 86.28 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 167998 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 28.9 | 87.88 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 899364 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 30.0 | 74.46 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 263216 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 25.0 | 58.54 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 669174 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM |  |  |  | xxx | 36.04 | 56.71 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 90.0 | 0.1 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 205605 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 21.62 | 58.56 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 484279 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 21.62 | 66.23 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 273104 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM |  |  |  | xxx | 14.82 | 74.96 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 88.0 | 0.12 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 772680 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM |  |  |  | xxx | 26.31 | 40.64 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 98.0 |  | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 546245 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM |  |  |  | xxx | 13.04 | 42.22 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 90.0 | 0.1 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 559831 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 10.32 | 41.09 | xxx | xxx | -.1927 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | -.1927 | 85.0 | 0.15 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 661423 |  |  | xxx | xxx | 0 | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 4.6 | 60.16 |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | 1073 Individual Condo Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 564779 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 35.41 | 79.95 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible |  |  |
| 210466 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 2055 Exterior Only Inspection Report | xxx | xxx | xxx | xxx | 36.71 | 70.0 | xxx | xxx | .1291 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | .1291 | 95.0 | 0.05 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 268004 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 8.36 | 53.91 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 584409 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 12.28 | 51.87 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 212107 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM |  |  |  | xxx | 22.62 | 59.2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 90.0 | 0.1 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 973789 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 38.27 | 67.49 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 806240 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 40.08 | 74.84 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 425338 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM |  |  |  | xxx | 13.12 | 69.26 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 95.0 | 0.05 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 226240 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 21.94 | 75.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 427887 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 19.24 | 58.79 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 166120 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 6.56 | 74.61 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 472143 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 22.81 | 80.0 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 850767 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 14.05 | 47.2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 613998 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 33.33 | 85.36 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1.2 | xxx |
| 483317 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 34.33 | 72.81 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 256862 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 33.25 | 57.95 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1 | xxx |
| 811205 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 19.42 | 74.48 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 845591 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 16.49 | 79.9 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1.9 | xxx |
| 230730 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 25.9 | 79.72 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | MODERATE RISK | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 150819 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 24.89 | 74.86 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 765816 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 22.86 | 32.24 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 600035 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 30.77 | 86.84 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 956835 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 42.81 | 68.17 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 301464 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 22.67 | 60.25 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 745055 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 29.41 | 74.04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 470702 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 18.14 | 79.9 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 401352 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 12.58 | 47.67 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx |
| 342532 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 20.88 | 66.84 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 716715 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 14.47 | 78.08 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1.6 | xxx |
| 881197 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 9.95 | 70.28 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | xxx |
| 659024 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 23.38 | 45.56 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | xxx |
| 469758 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 6.63 | 40.3 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1 | xxx |
| 274229 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 18.26 | 65.58 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | xxx |
| 592397 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 20.0 | 62.58 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 691687 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 56.96 | 72.79 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 16 | xxx |
| 977311 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 23.57 | 79.59 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 291535 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 37.56 | 74.84 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 668046 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 31.35 | 69.75 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible |  |  |
| 976207 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 10.73 | 25.55 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 982017 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 25.68 | 74.89 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 925095 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM |  |  |  | xxx | 22.29 | 68.36 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 94.0 | 0.06 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 749921 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM |  |  |  | xxx | 26.82 | 33.59 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 91.0 | 0.09 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 855369 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 22.7 | 59.76 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | LOW RISK | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 918807 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM |  |  |  | xxx | 26.71 | 74.59 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 93.0 | 0.07 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 305216 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM |  |  |  | xxx | 13.2 | 54.56 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 90.0 | 0.1 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 654925 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 16.51 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 936213 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 21.55 | 61.97 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 425512 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 10.64 | 59.66 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 583580 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 25.69 | 78.09 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 709424 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | 30.69 | 69.72 | xxx | xxx | .0587 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | .0587 | 93.0 | 0.07 | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 296228 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM |  |  |  | xxx | 11.71 | 59.97 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 95.0 | 0.05 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 739422 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 18.75 | 60.19 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 793109 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | AVM |  |  |  | xxx | 26.28 | 79.81 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 89.0 | 0.11 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 221865 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 36.7 | 69.92 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 806181 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 25.94 | 79.76 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 940720 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 10.61 | 38.55 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 496915 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 10.81 | 27.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 967405 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 24.24 | 57.92 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 234886 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 22.06 | 50.77 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 552952 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM |  |  |  | xxx | 6.19 | 40.6 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 90.0 | 0.1 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 161532 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 33.88 | 69.95 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 274859 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 29.46 | 69.99 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 900366 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 25.66 | 69.83 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 325920 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM |  |  |  | xxx | 21.24 | 72.89 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 90.0 | 0.1 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 626090 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 15.6 | 79.81 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx Eligible | 1.2 | xxx |
| 479791 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 16.26 | 64.97 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1 | xxx |
| 276116 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 17.61 | 54.61 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible |  |  |
| 618928 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 15.57 | 65.65 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | MODERATE RISK | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 969847 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 31.31 | 61.53 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 | xxx |
| 255772 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 23.91 | 48.39 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 560391 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 48.67 | 74.56 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 992392 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 9.3 | 49.17 | xxx | xxx | -.0620 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0620 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 276146 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 25.0 | 61.31 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx Eligible | 1 | xxx |
| 851689 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 8.03 | 56.69 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 260681 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 28.99 | 79.66 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 950933 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 16.28 | 66.52 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | xxx |
| 438807 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 13.49 | 84.94 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 359695 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM |  |  |  | xxx | 24.93 | 74.39 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 93.0 | 0.07 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 993921 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 42.62 | 79.46 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 864106 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 42.19 | 68.84 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 475674 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 12.5 | 64.08 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx Eligible | 1 | xxx |
| 508279 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 17.19 | 66.66 | xxx | 0.0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible | 1.5 | xxx |
| 916896 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 29.01 | 73.74 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx Eligible |  |  |
| 780074 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 26.6 | 51.55 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 689188 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | 18.25 | 66.55 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 744014 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 38.08 | 69.56 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 624668 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 39.84 | 64.98 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 727017 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 16.18 | 81.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 507349 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 12.61 | 77.61 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 737218 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | 8.39 | 42.40 | xxx | 0.0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 499424 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | AVM |  |  |  | xxx | 17.83 | 45.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 89.0 | 0.11 | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.1

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.1 - Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Default Interest Rate** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Co Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Borrower Award/Offer Letter** | **Co Borrower Award/Offer Letter** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower WVOE Flag** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower WVOE Flag** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **Most Recent Bankruptcy 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** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **Appraiser License #** | **Appraiser First Name** | **Appraisal Last Name** | **Maturity Date** | **Number of Units** |
| 666412 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Qualifying DTI Exceeds 43% | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.50% | 48.50% | No | No |  |  |  |  |  |  | Retired | Retired |  |  |  |  | 1YR Full Doc | 2 | 2 | NA | NA | N/A | 0 | N/A | 0 | 1 | 0 | 1 | 0 | 1 | 2 | Yes | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Other, Other, Retirement, Other, Other REO Net Rental Income(Loss), Other - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 YR Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified, 1040 Schedule E Verified - ["2024","2025"] \|\| Co Borrower - Other, Other, Other, Other - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 YR Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified, 1040 Schedule E Verified - ["2024","2025"] | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2024","2025"] \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 1 YR Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Yes | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 1.17 | xxx | 13.88 | No | 32.25 | N/A | xxx | xxx | xxx | xxx | 1 |
| 954827 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.77% | 39.77% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - [] | Borrower - 3 YRS Executed 4506T Verified - [] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 15.91 | No | 72.99 | N/A | xxx | xxx | xxx | xxx | 2 |
| 425490 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 10.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 37.24% | 37.24% | No | No |  |  |  |  |  |  | Not Employed | Not Employed |  |  |  |  | Full Documentation | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | Yes | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SSI and Disability, SSI and Disability - 3 YRS Executed 4506T Verified, Award Letter Verified - ["2025"] \|\| Co Borrower - ["2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2025"] \|\| Co Borrower - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 0.07 | No | 64.55 | N/A | xxx | xxx | xxx | xxx | 1 |
| 384511 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 9.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 29.18% | 29.18% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 43.87 | No | 62.73 | N/A | xxx | xxx | xxx | xxx | 1 |
| 407419 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.45% | 44.45% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 212 | 33 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 24.86 | No | 41.47 | N/A | xxx | xxx | xxx | xxx | 1 |
| 662015 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.278 | 1.672 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | xxx | .00 | xxx | 5.73 | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 431948 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 12.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 22.80% | 22.80% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 29.61 | No | 78.59 | N/A | xxx |  |  | xxx | 1 |
| 162889 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.999% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 25.97% | 25.97% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, Personal Bank Statements Verified - ["2025","2024"] | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 89.77 | No | 53.83 | N/A | xxx | xxx | xxx | xxx | 1 |
| 734089 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 17.44% | 17.44% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 55.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 452 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 22.93 | No | 64.97 | N/A | xxx | xxx | xxx | xxx | 1 |
| 116618 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 47.31% | 47.31% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 24.87 | No | 38.53 | N/A | xxx | xxx | xxx | xxx | 1 |
| 799471 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.47% | 48.47% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 60 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 42 | 34 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage, Asset Depletion - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Passport |  | xxx | xxx | xxx | xxx | xxx | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 5.96 | No | 61.03 | N/A | xxx | xxx | xxx | xxx | 1 |
| 278662 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 30.32% | 30.32% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 1 | 1 | 1 | 0 | 3 | 1 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 28 | 28 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage, Other, Other, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - ["2025","2024","2023"] \|\| Co Borrower - Wage - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - ["2025","2024","2023"] | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - ["2025","2024","2023"] \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 45.10 | xxx | 92.07 | No | 79.85 | N/A | xxx | xxx | xxx | xxx | 1 |
| 227077 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.05% | 38.05% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 139 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor, SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 64.96 | No | 52.26 | N/A | xxx | xxx | xxx | xxx | 1 |
| 284753 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 12.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.74% | 40.74% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 59 | 35 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 8.88 | No | 74.6 | N/A | xxx | xxx | xxx | xxx | 1 |
| 885392 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 12.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.20% | 48.20% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 21.00 | xxx | 23.09 | No | 90 | N/A | xxx | xxx | xxx | xxx | 1 |
| 596444 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 9.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 36.93% | 36.93% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 99.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2023","2024","2025"] | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 24.27 | No | 78.93 | N/A | xxx | xxx | xxx | xxx | 1 |
| 499589 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 9.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 42.87% | 42.87% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - [] | Borrower - [] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 64.91 | xxx | 72.21 | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 540293 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 9.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.94% | 38.94% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, Executed 4506T Verified - ["2024","2025"] | Borrower - Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 51.61 | No | 79.88 | N/A | xxx | xxx | xxx | xxx | 1 |
| 783809 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 11.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.206 | 1.16 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 52.68 | No | 72.61 | N/A | xxx | xxx | xxx | xxx | 1 |
| 249230 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 30.62% | 30.62% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 45.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 48 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 53.32 | No | 63.4 | N/A | xxx | xxx | xxx | xxx | 1 |
| 221534 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 9.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.87% | 40.87% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SSI and Disability, Other, Other REO Net Rental Income(Loss) - Award Letter Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 0.53 | No | 61.05 | N/A | xxx | xxx | xxx | xxx | 1 |
| 583579 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.27% | 43.27% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | Yes |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Retirement, SSI and Disability - 2 YRS Executed 4506T Verified, Award Letter Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 4.1 | No | 56.23 | N/A | xxx | xxx | xxx | xxx | 2 |
| 620500 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.990% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 41.84% | 41.84% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 115 | 31 | FNMA 1005 | Yes | 68 | 29 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - ["2023","2024","2025"] \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - ["2023","2024","2025"] \|\| Co Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Missing |  |  | xxx |  |  |  | I-821D Employment Authorization Document (I-821-D) |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 27.43 | No | 70.8 | N/A | xxx | xxx | xxx | xxx | 1 |
| 308990 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 10.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.435 | 1.43 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 29.81 | No | 70 | N/A | xxx | xxx | xxx | xxx | 1 |
| 701724 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 37.16% | 37.16% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 0 | 1 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 10 | Tax Preparer |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss) - 1 YR Business Tax Returns Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - 1 YR Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 67.8 | No | 74.72 | N/A | xxx | xxx | xxx | xxx | 2 |
| 582888 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.57% | 43.57% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 35 | 35 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot ACT | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 6.24 | No | 73.67 | N/A | xxx | xxx | xxx | xxx | 1 |
| 843378 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 10.990% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.54% | 38.54% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 1YR Full Doc | 1 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | Yes | Yes | No | No | 0 | No | No | Yes | 0 | 0 | Yes | Yes | 0 | 12 | 32.05% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, SESoleProprietor - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, Award Letter Verified - ["2024","2025"] \|\| Co Borrower - SESoleProprietor, SSI and Disability - 2 YRS Executed 4506T Verified, Award Letter Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 2.06 | xxx | 8.71 | No | 85 | N/A | xxx | xxx | xxx | xxx | 1 |
| 487698 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.61% | 49.61% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 1 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025","2024","2023"] \|\| Co Borrower - N/A - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025","2024","2023"] \|\| Co Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 37.2 | No | 62.11 | N/A | xxx | xxx | xxx | xxx | 1 |
| 537402 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 9.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 35.65% | 35.65% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 240 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 44 | No | 79.64 | N/A | xxx | xxx | xxx | xxx | 1 |
| 992003 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 9.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 35.50% | 35.50% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 22 | Tax Preparer |  |  |  | Yes | 93 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2025","2024"] | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 37.77 | No | 76.73 | N/A | xxx | xxx | xxx | xxx | 1 |
| 739369 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 33.78% | 33.78% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 34.17 | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 224657 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 34.50% | 34.50% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - [] | Borrower - 3 YRS Executed 4506T Verified - [] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 38.41 | No | 70.61 | N/A | xxx | xxx | xxx | xxx | 1 |
| 343032 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 10.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 35.20% | 35.20% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 62.93 | No | 84.41 | N/A | xxx | xxx | xxx | xxx | 1 |
| 172049 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 9.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.98% | 44.98% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 41 | 34 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime, SSI and Disability - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 9.47 | No | 67.76 | N/A | xxx | xxx | xxx | xxx | 1 |
| 118490 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 42.24% | 42.24% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 6.46 | No | 62.66 | N/A | xxx | xxx | xxx | xxx | 1 |
| 236515 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 10.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 29.01% | 29.01% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 13 | 13 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 4.89 | No | 80.7 | N/A | xxx | xxx | xxx | xxx | 1 |
| 385296 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.69% | 42.69% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | 1YR Full Doc | 0 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Retirement - 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 75.39 | No | 63.73 | N/A | xxx | xxx | xxx | xxx | 2 |
| 355684 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 12.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.63% | 38.63% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 256 | 35 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified - ["2023","2024","2025"] | Borrower - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 1.77 | No | 79.76 | N/A | xxx | xxx | xxx | xxx | 1 |
| 785436 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 46.38% | 46.38% | No | No |  |  |  |  |  |  | Retired | Retired |  |  |  |  | 1YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | Yes | Yes | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SSI and Disability - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - ["2024","2025"] \|\| Co Borrower - SSI and Disability, Retirement - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 23.06 | No | 54.57 | N/A | xxx | xxx | xxx | xxx | 1 |
| 566623 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.31% | 38.31% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | Less than 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 109 | 109 | Work Number | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] \|\| Co Borrower | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 1.09 | No | 65.45 | N/A | xxx | xxx | xxx | xxx | 1 |
| 965852 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 31.40% | 31.40% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 134 | 35 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Commission - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 33.55 | No | 70.91 | N/A | xxx | xxx | xxx | xxx | 1 |
| 593679 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 10.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.039 | 1.039 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 34.63 | No | 63.3 | N/A | xxx | xxx | xxx | xxx | 1 |
| 327583 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.048 | 1 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 63.68 | No | 68.95 | N/A | xxx | xxx | xxx | xxx | 1 |
| 353658 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 33.13% | 33.13% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 1.24 | xxx | 53.02 | No | 79.37 | N/A | xxx |  |  | xxx | 1 |
| 330626 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 10.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.236 | 1.19 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 58.93 | No | 64.82 | N/A | xxx | xxx | xxx | xxx | 2 |
| 637679 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 25.85% | 25.85% | No | No |  |  |  |  |  |  | Self-Employed | Unknown |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] \|\| Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 58.77 | No | 74.25 | N/A | xxx | xxx | xxx | xxx | 1 |
| 736932 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 18.25% | 18.25% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 1.19 | xxx | 1.77 | No | 75.98 | N/A | xxx | xxx | xxx | xxx | 1 |
| 283093 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 10.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.38% | 40.38% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA | N/A | N/A | 0 | Yes | 84 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2024","2025"] \|\| Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 44.71 | No | 53.75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 946207 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 45.83% | 45.83% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 190 | 36 | Other |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2022","2023","2024"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2022","2023","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 29.58 | No | 78.07 | N/A | xxx | xxx | xxx | xxx | 1 |
| 362457 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.14% | 42.14% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | Yes |  | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 84.43% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 108 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SSI and Disability - CPA Letter Verified, 3 YRS Executed 4506T Verified, Award Letter Verified, Business Bank Statements Verified - ["2024","2025","2023"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 47.96 | No | 74.96 | N/A | xxx | xxx | xxx | xxx | 1 |
| 444018 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 10.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 47.69% | 47.69% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 72 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 16.99 | No | 65 | N/A | xxx | xxx | xxx | xxx | 1 |
| 947077 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 26.04% | 26.04% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | Tax Preparer |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2025"] | Borrower - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 16.00 | xxx | 16 | No | 62.51 | N/A | xxx | xxx | xxx | xxx | 1 |
| 114129 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 33.87% | 33.87% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 252 | 35 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 54.02 | No | 78.65 | N/A | xxx | xxx | xxx | xxx | 1 |
| 172162 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 9.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.77% | 42.77% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 69 | 34 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 25.52 | No | 64.42 | N/A | xxx | xxx | xxx | xxx | 1 |
| 779598 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 44.43% | 44.43% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Retirement - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 24.82 | No | 67.04 | N/A | xxx | xxx | xxx | xxx | 1 |
| 637603 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 9.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.95% | 40.95% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 132 | 33 | FNMA 1005 | Yes | 114 | 34 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage, Overtime, SESoleProprietor - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] \|\| Co Borrower - Wage, Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 6.35 | No | 74.97 | N/A | xxx | xxx | xxx | xxx | 1 |
| 168093 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 45.27% | 45.27% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 58.09% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 72 | No |  | Yes | 20 | 20 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Business Bank Statements Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 9.81 | No | 74.77 | N/A | xxx | xxx | xxx | xxx | 1 |
| 967784 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 16.84% | 16.84% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 219 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2023","2024","2025"] | Borrower - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 27.2 | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 621492 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 8.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | No |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.26 | 1.26 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 27.36 | No | 67.84 | N/A | xxx | xxx | xxx | xxx | 4 |
| 952028 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 9.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 14.39% | 14.39% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 189 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 59.24 | No | 74.94 | N/A | xxx | xxx | xxx | xxx | 1 |
| 308097 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 22.83% | 22.83% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 72 | 35 | FNMA 1005 | Yes | 20 | 20 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage, Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 5.28 | No | 70.81 | N/A | xxx | xxx | xxx | xxx | 1 |
| 574615 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 33.56% | 33.56% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 300 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 35.89 | xxx | 35.89 | No | 64.71 | N/A | xxx | xxx | xxx | xxx | 2 |
| 690352 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 22.34% | 22.34% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 47.50% | 47.50% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership, SEPartnership - Business Bank Statements Verified - ["2024","2025"] \|\| Co Borrower - SEPartnership, SEPartnership - Business Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] \|\| Co Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 76.43 | No | 69.09 | N/A | xxx | xxx | xxx | xxx | 1 |
| 208112 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% | 0.00% |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.021 | 1.03 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 37.8 | No | 74.96 | N/A | xxx | xxx | xxx | xxx | 1 |
| 635945 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 8.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 40.78% | 40.78% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 152 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 4.04 | No | 69.88 | Yes | xxx | xxx | xxx | xxx | 1 |
| 621023 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 30.05% | 30.05% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 300 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 18.78 | No | 66.47 | Yes | xxx | xxx | xxx | xxx | 1 |
| 707198 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 30.22% | 30.22% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 35.04 | No | 79.82 | N/A | xxx |  |  | xxx | 1 |
| 837680 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 9.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 34.68% | 34.68% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 108 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 25.58 | No | 79.68 | N/A | xxx | xxx | xxx | xxx | 1 |
| 488186 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 45.14% | 45.14% | No | No |  |  |  |  |  |  | Retired | Retired |  |  |  |  | 2YR Full Doc | 1 | 1 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | Yes | Yes | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SSI and Disability, Other - 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - ["2025","2024"] \|\| Co Borrower - SSI and Disability - 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - ["2025","2024"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024"] \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 2.32 | No | 79.12 | N/A | xxx | xxx | xxx | xxx | 1 |
| 586898 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 9.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 45.00% | 45.00% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 94 | 10 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 0.95 | No | 69.46 | N/A | xxx | xxx | xxx | xxx | 1 |
| 601725 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 8.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.54% | 48.54% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 1 | 0 | 1 | 0 | 2 | 2 | Yes | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 237 | 35 | Work Number | Yes | 249 | 35 | FNMA 1005 | No | 0 |  |  | Borrower - Wage, SSI and Disability, Retirement, Other, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified, 1040 Schedule E Verified - ["2025","2024","2023"] \|\| Co Borrower - Wage - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2025","2024","2023"] | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2025","2024","2023"] \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 68.73 | No | 66.28 | N/A | xxx |  |  | xxx | 1 |
| 609257 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.40% | 43.40% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 83 | 83 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other, Retirement - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 16.28 | No | 68.47 | N/A | xxx | xxx | xxx | xxx | 1 |
| 866013 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 41.80% | 41.80% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 33 | 33 | FNMA 1005 | Yes | 4 | 4 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 14.66 | No | 19.53 | N/A | xxx | xxx | xxx | xxx | 1 |
| 880251 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 9.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 44.13% | 44.13% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 236 | 35 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, Written VOE Verified - ["2022","2023","2024"] | Borrower - ["2022","2023","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 0.37 | No | 43.16 | N/A | xxx | xxx | xxx | xxx | 1 |
| 986161 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.70% | 44.70% | No | No |  |  |  |  |  |  | Not Employed | Not Employed |  |  |  |  | 1YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 1 | Yes | Yes | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SSI and Disability, Other, Other - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Award Letter Verified - ["2024","2025"] \|\| Co Borrower - SSI and Disability, Other, Other - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Award Letter Verified - ["2024"] | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] \|\| Co Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 23.75 | No | 68.96 | N/A | xxx | xxx | xxx | xxx | 1 |
| 474879 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 36.90% | 36.90% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 360 | 36 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 16.17 | No | 63.69 | N/A | xxx | xxx | xxx | xxx | 1 |
| 845038 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 39.10% | 39.10% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | Less than 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 223 | 34 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 4.47 | No | 43.97 | N/A | xxx | xxx | xxx | xxx | 1 |
| 816016 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 36.51% | 36.51% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 1 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 233 | 23 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Wage, Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2022","2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2022","2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot ACT | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 21.78 | No | 77.61 | N/A | xxx | xxx | xxx | xxx | 1 |
| 800465 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.23% | 38.23% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 14.99 | xxx | 40.47 | No | 41.87 | N/A | xxx | xxx | xxx | xxx | 1 |
| 262812 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.75% | 48.75% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 2 |  | 1 Month |  | Yes | 4 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 24 | 1 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 18.9 | No | 59.78 | N/A | xxx | xxx | xxx | xxx | 1 |
| 200656 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.003 | 1.003 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 31.4 | No | 60.06 | N/A | xxx | xxx | xxx | xxx | 1 |
| 515373 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 9.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.09% | 43.09% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 84 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 28.87 | No | 73.16 | N/A | xxx |  |  | xxx | 1 |
| 908207 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.035 | 1.013 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | xxx | .00 | xxx | 60.33 | No | 45.14 | N/A | xxx | xxx | xxx | xxx | 1 |
| 838198 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 9.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 35.43% | 35.43% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 103 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] \|\| Co Borrower | Borrower - ["2024","2025"] \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .86 | xxx | 43.73 | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 924753 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 8.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 17.77% | 17.77% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 240 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024"] | Borrower - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 39.11 | No | 32.86 | N/A | xxx | xxx | xxx | xxx | 1 |
| 337862 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.78% | 39.78% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 13.79 | No | 79.46 | N/A | xxx | xxx | xxx | xxx | 1 |
| 744004 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 29.67% | 29.67% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] | Borrower - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 14.86 | No | 70 | N/A | xxx | xxx | xxx | xxx | 1 |
| 808230 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 10.10% | 10.10% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Missing | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Missing CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 24.99 | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 796954 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 8.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 22.00% | 22.00% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 215 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] \|\| Co Borrower - N/A | Borrower - ["2024","2025"] \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 10.88 | No | 54.37 | N/A | xxx | xxx | xxx | xxx | 1 |
| 607942 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 9.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.99% | 43.99% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 117 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024"] | Borrower - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 64.42 | No | 82.98 | N/A | xxx | xxx | xxx | xxx | 1 |
| 982124 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 9.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 17.84% | 17.84% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2025","2024"] | Borrower - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 5.56 | xxx | 32.73 | No | 63.9 | N/A | xxx | xxx | xxx | xxx | 1 |
| 840427 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.90% | 49.90% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 2 | 100.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 97 | Yes | 97 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] \|\| Co Borrower - SEPartnership, SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] \|\| Co Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 34.97 | No | 60.77 | N/A | xxx | xxx | xxx | xxx | 1 |
| 858651 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.4 | 1.25 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 28.61 | No | 46.88 | N/A | xxx | xxx | xxx | xxx | 4 |
| 904355 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 9.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 31.90% | 31.90% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 34.72 | No | 74.94 | N/A | xxx | xxx | xxx | xxx | 1 |
| 541279 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 12.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.86% | 42.86% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Documentation | 2 | 2 | 1 Month | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7 | xxx | xxx | 1 | 80 |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 0.24 | No | 79.98 | N/A | xxx | xxx | xxx | xxx | 1 |
| 504727 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 9.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 42.61% | 42.61% | No | No |  |  |  |  |  |  | Retired | Retired |  |  |  |  | Full Documentation | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Other - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] \|\| Co Borrower - Other - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2023"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 0.22 | No | 77.45 | N/A | xxx | xxx | xxx | xxx | 1 |
| 966395 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 31.02% | 31.02% | No | No |  |  |  |  |  |  | Not Employed | Employed |  |  |  |  | 2YR Full Doc | 0 | 2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | Yes | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 1 | 1 | FNMA 1005 | No | 0 |  | N/A | Borrower - Retirement, SSI and Disability, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Award Letter Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025"] | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 50.76 | No | 79.26 | N/A | xxx | xxx | xxx | xxx | 1 |
| 602830 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 9.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.96% | 44.96% | No | No |  |  |  |  |  |  | Not Employed | Employed |  |  |  |  | 2YR Full Doc | 0 | 2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - N/A - 3 YRS Executed 4506T Verified \|\| Co Borrower - Wage, Overtime - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 4.57 | No | 58.46 | N/A | xxx | xxx | xxx | xxx | 1 |
| 308673 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.68% | 49.68% | No | No |  |  |  |  |  |  | Retired | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | Less than 1 Month | Less than 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 331 | 34 | Work Number | Yes | 291 | 34 | Work Number | No | 0 |  | N/A | Borrower - Wage, Retirement, Overtime - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2025","2024","2023"] \|\| Co Borrower - Wage, Overtime - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2025","2024","2023"] | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024","2023"] \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 28.72 | No | 70.09 | N/A | xxx | xxx | xxx | xxx | 1 |
| 911283 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 9.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 40.08% | 40.08% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 1 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 19.13 | No | 53.3 | N/A | xxx | xxx | xxx | xxx | 1 |
| 315356 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 10.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 39.11% | 39.11% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 1 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 2.17 | No | 74.3 | N/A | xxx | xxx | xxx | xxx | 1 |
| 399686 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 43.72% | 43.72% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 78 | 35 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 13.59 | No | 55.18 | N/A | xxx | xxx | xxx | xxx | 1 |
| 808497 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 30.47% | 30.47% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2023","2024","2025"] | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 15.61 | xxx | 72.18 | No | 73.68 | N/A | xxx | xxx | xxx | xxx | 1 |
| 453390 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 23.24% | 23.24% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  | Crypto Currency | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2025"] | Borrower - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 15.70 | xxx | 36.55 | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 540535 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 9.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 19.79% | 19.79% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 300 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 25.2 | No | 62.24 | N/A | xxx | xxx | xxx | xxx | 1 |
| 354335 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 8.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 35.21% | 35.21% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 90.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 25.12 | No | 72.81 | N/A | xxx | xxx | xxx | xxx | 1 |
| 237572 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 33.35% | 33.35% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 95 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, SEPartnership, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 61.29 | No | 35.52 | N/A | xxx | xxx | xxx | xxx | 1 |
| 636493 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 9.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 42.79% | 42.79% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024"] | Borrower - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 28.28 | No | 81.41 | N/A | xxx | xxx | xxx | xxx | 1 |
| 821276 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 48.18% | 48.18% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 81 | 81 | Other |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 0 | No | 50.25 | N/A | xxx | xxx | xxx | xxx | 1 |
| 707577 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 10.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.79% | 48.79% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | Less than 1 Month | Less than 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 42 | 23 | FNMA 1005 | Yes | 42 | 23 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | Non Permanent Resident Alien | Non-Permanent Resident Alien |  | Real ID Driver's License |  | xxx | xxx | xxx |  |  | Employment Authorization Document (I-821D) |  | xxx | Non Permanent Resident Alien | Non-Permanent Non-US Citizen |  | Real ID Driver's License |  | xxx | xxx | xxx |  |  | I-821D Employment Authorization Document (I-821-D) |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 33.35 | No | 77.61 | N/A | xxx | xxx | xxx | xxx | 1 |
| 466061 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.035 | 1.035 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | xxx | .00 | xxx | 23.89 | No | 65 | N/A | xxx | xxx | xxx | xxx | 1 |
| 451196 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 19.98% | 19.98% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 83 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 27.25 | No | 69.87 | Yes | xxx | xxx | xxx | xxx | 1 |
| 936817 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 4.76% | 4.76% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] \|\| Co Borrower | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 80.17 | xxx | 80.17 | No | 74.07 | N/A | xxx | xxx | xxx | xxx | 1 |
| 875291 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.990% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 33.61% | 33.61% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 21.93 | No | 57.38 | N/A | xxx |  |  | xxx | 1 |
| 655904 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 46.65% | 46.65% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 1 | 1 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025","2024","2023"] \|\| Co Borrower - Wage, Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025","2024","2023"] | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025","2024","2023"] \|\| Co Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 14.9 | No | 66.92 | N/A | xxx | xxx | xxx | xxx | 1 |
| 991832 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 31.66% | 31.66% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024"] | Borrower - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 31.04 | No | 79.93 | N/A | xxx |  |  | xxx | 1 |
| 380013 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 9.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.87% | 38.87% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 12.52 | No | 79.74 | N/A | xxx |  |  | xxx | 1 |
| 474829 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 33.63% | 33.63% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 28 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024"] | Borrower - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 42.9 | No | 74.66 | N/A | xxx | xxx | xxx | xxx | 1 |
| 306311 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | xxx | xxx | xxx |  | No AUS | No | xxx |  | 9.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 47.45% | 47.45% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 1 | 1 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 25 | 34 | FNMA 1005 | No | 0 |  |  | Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] \|\| Co Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] \|\| Co Borrower - 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen |  | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 42.8 | No | 83.57 | N/A | xxx | xxx | xxx | xxx | 1 |
| 967635 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 10.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.35% | 41.35% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 1 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Borrower Prepared | 11 | Borrower |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 1 YR Personal Tax Returns Verified, CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024"] | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 20.93 | No | 86.77 | N/A | xxx | xxx | xxx | xxx | 1 |
| 597090 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.67% | 49.67% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | Yes |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 45 | 35 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Retirement, SSI and Disability - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, Award Letter Verified - ["2023","2024","2025"] | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 5.86 | No | 75.98 | N/A | xxx | xxx | xxx | xxx | 1 |
| 496248 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.00 | 1.01 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | xxx | .00 | xxx | 38.47 | No | 62.82 | N/A | xxx | xxx | xxx | xxx | 4 |
| 638477 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | Monthly | 0.00% | 40.83% | 40.83% | No | No |  |  |  |  |  |  | Retired | Self-Employed |  |  |  |  | 2YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | Yes | Borrower - SSI and Disability - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024"] \|\| Co Borrower - SESoleProprietor, SSI and Disability - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2023"] | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024"] \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 17.24 | No | 75 | N/A | xxx |  |  | xxx | 1 |
| 443690 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 18.21% | 18.21% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 48 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 65.54 | No | 54.23 | N/A | xxx | xxx | xxx | xxx | 1 |
| 173768 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 25.10% | 25.10% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 23 | Accountant/Bookkeeper |  |  |  | Yes | 96 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 20.15 | No | 25.24 | N/A | xxx | xxx | xxx | xxx | 1 |
| 996210 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 8.62% | 8.62% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 47.54 | No | 79.88 | N/A | xxx | xxx | xxx | xxx | 1 |
| 986442 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.005 | 1.005 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | xxx | .00 | xxx | 9.81 | No | 69.75 | Yes | xxx | xxx | xxx | xxx | 1 |
| 219475 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 9.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 37.29% | 37.29% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 30.2 | No | 74.79 | N/A | xxx | xxx | xxx | xxx | 1 |
| 526913 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | Annually | 0.00% | 38.33% | 38.33% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | Yes |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 74.71% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SSI and Disability, Subject Property Net Rental Income(Loss) if NOO - Award Letter Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 26.6 | No | 55.45 | N/A | xxx |  |  | xxx | 1 |
| 634429 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 9.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 33.75% | 33.75% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 62 | 35 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 0.51 | No | 79.79 | N/A | xxx | xxx | xxx | xxx | 1 |
| 587020 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 10.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.41% | 43.41% | No | No |  |  |  |  |  |  | Employed | Retired |  |  |  |  | 2YR Full Doc | 1 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 3 | 1 | NA | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Bonus - 2 YRS Personal Tax Returns Verified, 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] \|\| Co Borrower - Retirement, Other - 2 YRS Personal Tax Returns Verified, 1 YR IRS Transcripts Verified, Award Letter Verified | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 1 YR IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 5.68 | No | 63.59 | N/A | xxx | xxx | xxx | xxx | 1 |
| 209264 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 11.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.93% | 41.93% | No | No |  |  |  |  |  |  | Not Employed | Employed |  |  |  |  | 2YR Full Doc | 0 | 2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | Yes | 0 | 0 | 0.00% |  | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified - ["2023","2024","2025"] | Borrower \|\| Co Borrower - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Yes | N/A | xxx | .00 | xxx | 7.8 | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 240306 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 10.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.97% | 44.97% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 339 | 35 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 2.55 | No | 63.85 | N/A | xxx | xxx | xxx | xxx | 1 |
| 430407 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 26.84% | 26.84% | Yes | Yes |  |  |  |  |  |  | Not Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | Yes | Yes | 0 | 12 | 100.00% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | Yes | 324 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified - ["2025","2024"] \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024"] \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 67.72 | No | 69.9 | N/A | xxx | xxx | xxx | xxx | 1 |
| 868572 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 9.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.20% | 44.20% | Yes |  |  |  |  |  |  |  | Retired |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SSI and Disability, Retirement, Retirement, Subject Property Net Rental Income(Loss) if NOO - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified, 1040 Schedule E Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 0 | No | 74.76 | N/A | xxx | xxx | xxx | xxx | 1 |
| 313197 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 10.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 45.11% | 45.11% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 91 | 36 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime, Other - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 21.58 | No | 76.92 | N/A | xxx | xxx | xxx | xxx | 1 |
| 735807 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 10.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.85% | 39.85% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 3 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Other, Other - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified, Award Letter Verified - ["2025"] | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 21.31 | No | 82.41 | N/A | xxx | xxx | xxx | xxx | 1 |
| 916801 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 35.35% | 35.35% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 1 | 0 |  |  | 2 | 1 | NA |  | No | No | 60 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Asset Depletion - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 26.95 | No | 66.8 | N/A | xxx | xxx | xxx | xxx | 1 |
| 245711 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 42.69% | 42.69% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 33 | 33 | FNMA 1005 | Yes | 310 | 48 | Work Number | No | 0 |  | N/A | Borrower - Wage, Overtime - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 12.16 | No | 55.44 | N/A | xxx | xxx | xxx | xxx | 1 |
| 540847 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 29.62% | 29.62% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 276 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 23.49 | No | 57.9 | N/A | xxx | xxx | xxx | xxx | 1 |
| 741520 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 11.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 22.63% | 22.63% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 49.55 | No | 79.92 | N/A | xxx | xxx | xxx | xxx | 1 |
| 765894 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 10.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 28.83% | 28.83% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 38.41 | No | 84.69 | N/A | xxx | xxx | xxx | xxx | 1 |
| 151096 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 29.27% | 29.27% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 120 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 25.84 | No | 64.89 | N/A | xxx | xxx | xxx | xxx | 1 |
| 777557 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 10.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.65% | 42.65% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | N/A | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 180 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 11.65 | No | 79.5 | N/A | xxx | xxx | xxx | xxx | 1 |
| 901312 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 12.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 44.83% | 44.83% | No | No |  |  |  |  |  |  | Unknown | Employed |  |  |  |  | 1YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 3 | Yes | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Retirement - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified, Award Letter Verified - ["2025"] \|\| Co Borrower - Wage - 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - ["2025"] \|\| Co Borrower - 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 0 | No | 79.63 | N/A | xxx | xxx | xxx | xxx | 1 |
| 972249 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 12.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 33.28% | 33.28% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 4 | 4 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024"] \|\| Co Borrower | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024"] \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 29 | No | 78.61 | N/A | xxx | xxx | xxx | xxx | 1 |
| 520670 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 11.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 42.29% | 42.29% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | Yes |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Other, Retirement - 3 YRS Executed 4506T Verified, Award Letter Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 0.67 | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 677309 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 9.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 37.84% | 37.84% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 38 | 38 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 53.56 | No | 75.44 | N/A | xxx | xxx | xxx | xxx | 1 |
| 491559 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% | 0.00% | 0.00% |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.036 | 1.03 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 15.5 | No | 61.78 | N/A | xxx | xxx | xxx | xxx | 1 |
| 126041 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 9.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.46% | 42.46% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 68 | 23 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Commission, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 14.03 | No | 79.5 | N/A | xxx | xxx | xxx | xxx | 1 |
| 167434 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 9.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 40.15% | 40.15% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 16.88 | No | 72.51 | No | xxx | xxx | xxx | xxx | 1 |
| 507653 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 10.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.031 | 1.031 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 55.1 | No | 65.06 | N/A | xxx | xxx | xxx | xxx | 1 |
| 956384 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 44.19% | 44.19% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 12 | Yes | 12 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 29.32 | No | 79.88 | N/A | xxx | xxx | xxx | xxx | 1 |
| 554632 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 33.86% | 33.86% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 90.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 222 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 33.96 | No | 74.8 | N/A | xxx |  |  | xxx | 1 |
| 997841 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 8.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 30.24% | 30.24% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 33.48 | No | 69.65 | N/A | xxx | xxx | xxx | xxx | 4 |
| 234225 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 8.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 46.96% | 46.96% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 99.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2025"] | Borrower - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 61.76 | No | 79 | N/A | xxx | xxx | xxx | xxx | 1 |
| 875719 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 8.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 17.57% | 17.57% | Yes |  |  |  |  |  |  |  | Retired |  |  |  |  |  | 1YR Full Doc | 1 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 1 | NA |  | No | No | 84 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Asset Depletion, SSI and Disability, Subject Property Net Rental Income(Loss) if NOO - 1 YR W2 1099 Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] | Borrower - 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7 | xxx | xxx | 1 | 89 |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 15.47 | No | 62.54 | N/A | xxx | xxx | xxx | xxx | 1 |
| 762536 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 10.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 30.99% | 30.99% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 51 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 38.9 | No | 78.64 | N/A | xxx | xxx | xxx | xxx | 1 |
| 345946 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 9.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.74% | 42.74% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 43 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] | Borrower - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | Permanent Resident Alien | Permanent Resident Alien |  | Real ID Driver's License |  | xxx | xxx | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 34.07 | No | 79.78 | N/A | xxx |  |  | xxx | 1 |
| 823671 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 38.32% | 38.32% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] | Borrower - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 19.53 | No | 64.33 | Yes | xxx |  |  | xxx | 1 |
| 750348 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 37.47% | 37.47% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 24 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 1 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No | N/A | 0 | 0 | 94.82% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Retirement, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Business Bank Statements Verified - ["2025","2024","2023"] \|\| Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025","2024","2023"] \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 11.18 | No | 74.09 | N/A | xxx | xxx | xxx | xxx | 1 |
| 449930 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.15% | 39.15% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 1 | 1 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Borrower Prepared | 12 | Borrower |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024"] | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 30.73 | No | 66.83 | N/A | xxx | xxx | xxx | xxx | 1 |
| 535051 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 11.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 48.05% | 48.05% | No | No | 1 |  | 5 |  | 3 |  | Employed | Not Employed | Employed |  | .54 |  | 2YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 81 | 36 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Overtime, Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] \|\| Co Borrower - SSI and Disability - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - ["2025","2024","2023"] \|\| Co Borrower 2 - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] \|\| Co Borrower 2 - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 1.42 | No | 84.98 | N/A | xxx | xxx | xxx | xxx | 1 |
| 602518 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 8.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.509 | 1.59 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 34.89 | No | 47.13 | N/A | xxx | xxx | xxx | xxx | 4 |
| 521836 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.77% | 43.77% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 27.05 | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 330744 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.41% | 44.41% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | Less than 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 133 | 34 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime - Less than 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 33.18 | No | 58.13 | N/A | xxx | xxx | xxx | xxx | 1 |
| 935612 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 23.67% | 23.67% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 62 | 36 | Work Number | Yes | 17 | 17 | Work Number | No | 0 |  |  | Borrower - Wage, Bonus - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2025","2024","2023"] \|\| Co Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2025","2024","2023"] | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2025","2024","2023"] \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx |  | xxx | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 22.92 | No | 64.12 | N/A | xxx | xxx | xxx | xxx | 1 |
| 382674 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.17% | 41.17% | No | No |  |  |  |  |  |  | Retired | Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 112 | 112 | Work Number | No | 0 |  |  | Borrower - Retirement - 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified - ["2023","2024"] \|\| Co Borrower - Wage - Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2023","2024"] \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 0 | No | 21.01 | N/A | xxx | xxx | xxx | xxx | 1 |
| 441294 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 10.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.48% | 44.48% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 1 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 170 | 36 | Work Number | Yes | 17 | 17 | FNMA 1005 | No | 0 |  |  | Borrower - Wage, Overtime, Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2025","2024","2023"] \|\| Co Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified - ["2025","2024","2023"] | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024","2023"] \|\| Co Borrower - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 10.77 | No | 74.99 | N/A | xxx | xxx | xxx | xxx | 1 |
| 776615 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 24.96% | 24.96% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 35.18 | No | 54.28 | N/A | xxx | xxx | xxx | xxx | 1 |
| 201111 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 31.50% | 31.50% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified - ["2025","2024","2023"] \|\| Co Borrower - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024","2023"] \|\| Co Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 17.14 | No | 61.8 | N/A | xxx | xxx | xxx | xxx | 1 |
| 872872 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 9.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 32.63% | 32.63% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 32.59 | No | 41.22 | N/A | xxx | xxx | xxx | xxx | 1 |
| 669324 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.33% | 44.33% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Other REO Net Rental Income(Loss), Other - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2023","2024","2025"] \|\| Co Borrower - Seasonal Employment - 2 YRS Personal Tax Returns Verified, CPA Letter Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2023","2024","2026"] | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2023","2024","2025"] \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2023","2024","2026"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 27.45 | xxx | 27.45 | No | 79.06 | N/A | xxx | xxx | xxx | xxx | 1 |
| 557894 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 27.35% | 27.35% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 1 | Yes |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SSI and Disability, Retirement - 1 YR IRS Transcripts Verified, Award Letter Verified - ["2025","2024"] | Borrower - 1 YR IRS Transcripts Verified - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 22.32 | No | 60.16 | N/A | xxx | xxx | xxx | xxx | 1 |
| 378985 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.57% | 49.57% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 24 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | Yes | Yes | 0 | 24 | 100.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2023","2024","2025"] \|\| Co Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025","2026"] | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2024","2025","2026"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 21.36 | No | 29.58 | N/A | xxx | xxx | xxx | xxx | 1 |
| 378637 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 8.98% | 8.98% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 3.59 | No | 79.8 | N/A | xxx | xxx | xxx | xxx | 1 |
| 389165 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.40% | 40.40% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 51.83 | No | 74.67 | N/A | xxx |  |  | xxx | 1 |
| 266020 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.75% | 40.75% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 240 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2025"] | Borrower - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 27.93 | No | 33.02 | N/A | xxx |  |  | xxx | 1 |
| 144900 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 34.49% | 34.49% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 79.37% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Missing | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), SESoleProprietor - Missing CPA Letter Verified, Business Bank Statements Verified - ["2025","2024"] | Borrower - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 65.23 | No | 79.55 | N/A | xxx | xxx | xxx | xxx | 1 |
| 155647 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 8.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.116 | 1.116 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | xxx | .00 | xxx | 57.97 | No | 72.42 | N/A | xxx |  |  | xxx | 1 |
| 347264 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 9.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 48.13% | 48.13% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 54 | 54 | Work Number | Yes | 54 | 54 | Work Number | No | 0 |  | N/A | Borrower - Wage, Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified - ["2023","2024","2025"] \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified - ["2023","2024","2025"] | Borrower - ["2023","2024","2025"] \|\| Co Borrower - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | Non Permanent Resident Alien | Non-Permanent Resident Alien | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | xxx | xxx | xxx |  |  | Employment Authorization Document (I-821D) |  | xxx | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | xxx | xxx | xxx |  |  | Work Visa |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 8.23 | No | 61.58 | N/A | xxx | xxx | xxx | xxx | 1 |
| 926207 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 9.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 29.66% | 29.66% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2025","2024"] | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 32.11 | No | 70 | N/A | xxx | xxx | xxx | xxx | 1 |
| 266438 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.134 | 1.178 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 20.13 | No | 59.81 | N/A | xxx | xxx | xxx | xxx | 1 |
| 816160 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 11.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.089 | 1.081 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | xxx | .00 | xxx | 53.59 | No | 69.9 | N/A | xxx | xxx | xxx | xxx | 1 |
| 405452 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 42.44% | 42.44% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 50.00% | 51.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 72 | Yes | 72 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership, SEPartnership, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024"] \|\| Co Borrower - SEPartnership, SEPartnership - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024"] | Borrower - ["2025","2024"] \|\| Co Borrower - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 0 | No | 75 | Yes | xxx | xxx | xxx | xxx | 1 |
| 221567 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 48.90% | 48.90% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | 2+ Months |  | N/A | 0 |  |  | 1 | 0 |  |  | 1 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 1 YR Personal Tax Returns Verified, Missing W2 1099 Verified, 2+ Months Paystubs Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025","2024"] | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 10.9 | No | 66.24 | N/A | xxx | xxx | xxx | xxx | 1 |
| 689181 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 9.875% |  | xxx | Yes | 5.000% | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 31.16% | 31.16% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp - Business Bank Statements Verified - ["2025","2024"] | Borrower - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 5.11 | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 493262 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% | 0.00% | 0.00% |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.007 | 1.007 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 47.53 | No | 65.9 | N/A | xxx | xxx | xxx | xxx | 1 |
| 466376 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 32.14% | 32.14% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 16.75 | No | 70.83 | N/A | xxx | xxx | xxx | xxx | 1 |
| 146142 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 9.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.99% | 49.99% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | Yes |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 43.47% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, SSI and Disability, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Award Letter Verified, Business Bank Statements Verified - ["2025","2024"] | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 12.69 | No | 48.65 | N/A | xxx | xxx | xxx | xxx | 1 |
| 605022 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.990% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 46.49% | 46.49% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 14 | Tax Preparer |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen |  | Real ID Driver's License |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 12.08 | No | 57.07 | N/A | xxx | xxx | xxx | xxx | 1 |
| 418799 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 36.68% | 36.68% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 432 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] | Borrower - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 0 | No | 43.22 | N/A | xxx | xxx | xxx | xxx | 1 |
| 995763 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 10.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 32.29% | 32.29% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 128 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 22.61 | No | 79.83 | N/A | xxx | xxx | xxx | xxx | 1 |
| 416762 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.426 | 1.4 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A |  |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 32.98 | No | 69.89 | N/A | xxx | xxx | xxx | xxx | 4 |
| 274984 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.677 | 2.75 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 23.86 | No | 46.42 | N/A | xxx | xxx | xxx | xxx | 3 |
| 200602 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 31.71% | 31.71% | No | No |  |  |  |  |  |  | Self-Employed | Unknown |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Audited | 12 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2024","2025"] \|\| Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 1.05 | No | 40.11 | N/A | xxx | xxx | xxx | xxx | 2 |
| 476109 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 9.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 24.96% | 24.96% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 122 | 36 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Overtime - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified - ["2023","2024","2025"] | Borrower - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 31.65 | No | 67.37 | N/A | xxx | xxx | xxx | xxx | 1 |
| 924744 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 10.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 39.01% | 39.01% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 13.23 | No | 79.99 | N/A | xxx | xxx | xxx | xxx | 1 |
| 886071 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.80% | 40.80% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 1 | 0 |  |  | 0 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Commission, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - ["2023","2024","2025"] | Borrower - 1 YR Personal Tax Returns Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 29.77 | No | 32.67 | N/A | xxx | xxx | xxx | xxx | 1 |
| 578249 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.28% | 42.28% | No | No |  |  |  |  |  |  | Not Employed | Not Employed |  |  |  |  | 2YR Full Doc | 0 | 1 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | Yes | Yes | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SSI and Disability - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - ["2025"] \|\| Co Borrower - SSI and Disability, Retirement - 1 YR W2 1099 Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - ["2024","2025"] | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025"] \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 3.8 | No | 57.8 | N/A | xxx | xxx | xxx | xxx | 1 |
| 381671 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.93% | 43.93% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 4 | 4 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2022","2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2022","2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 6.62 | No | 53.34 | N/A | xxx | xxx | xxx | xxx | 1 |
| 831193 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 30.22% | 30.22% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | Yes | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 24.06 | No | 79.67 | N/A | xxx | xxx | xxx | xxx | 1 |
| 744418 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 12.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 45.73% | 45.73% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 49 | 24 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 24.88 | No | 80.86 | N/A | xxx | xxx | xxx | xxx | 1 |
| 129038 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 10.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.90% | 49.90% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 24 | 24 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime - 1 YR W2 1099 Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - [] | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - [] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 19.24 | No | 69.02 | N/A | xxx | xxx | xxx | xxx | 1 |
| 280654 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 10.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 28.04% | 28.04% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | N/A | 0 | 12 | No |  |  |  | 0.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 10.94 | No | 89.98 | N/A | xxx | xxx | xxx | xxx | 1 |
| 616061 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 37.88% | 37.88% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2023","2024","2025"] | Borrower - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 0 | No | 57.57 | N/A | xxx | xxx | xxx | xxx | 1 |
| 373766 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 8.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 34.83% | 34.83% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 48 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Personal Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 48.84 | No | 64.21 | N/A | xxx | xxx | xxx | xxx | 1 |
| 238910 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 8.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.16% | 49.16% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 88.54% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 144 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024"] | Borrower - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 29.28 | No | 43.65 | N/A | xxx | xxx | xxx | xxx | 1 |
| 335207 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 47.66% | 47.66% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 82.93% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 0.97 | No | 62.81 | N/A | xxx | xxx | xxx | xxx | 1 |
| 460239 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 24.65% | 24.65% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | Tax Preparer |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 32 | No | 68.53 | N/A | xxx | xxx | xxx | xxx | 1 |
| 668515 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.990% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 32.03% | 32.03% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] | Borrower - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 21.36 | xxx | 21.36 | No | 56.93 | N/A | xxx |  |  | xxx | 1 |
| 964939 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 26.23% | 26.23% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2025"] | Borrower - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 9.83 | No | 79.72 | N/A | xxx | xxx | xxx | xxx | 1 |
| 222279 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 9.313% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 21.20% | 21.20% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 156 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 17.93 | xxx | 61.81 | No | 67.36 | N/A | xxx | xxx | xxx | xxx | 1 |
| 372484 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 9.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 27.62% | 27.62% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 57 | 25 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Written VOE Verified, Business Bank Statements Verified - ["2024","2025","2023","2022"] | Borrower - ["2024","2025","2023","2022"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot ACT | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 21.51 | No | 67.14 | N/A | xxx |  |  | xxx | 1 |
| 162767 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 9.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 47.38% | 47.38% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 149 | 35 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 15.17 | No | 84.39 | N/A | xxx | xxx | xxx | xxx | 1 |
| 603220 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 9.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 14.37% | 14.37% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 24 | 24 | Work Number | Yes | 114 | 35 | Work Number | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - [] \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - [] \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 21.98 | No | 82.36 | N/A | xxx | xxx | xxx | xxx | 1 |
| 568169 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 9.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 45.51% | 45.51% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 2YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SECorporation - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024"] \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024"] \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .77 | xxx | 1.13 | No | 48.06 | N/A | xxx | xxx | xxx | xxx | 1 |
| 494122 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 28.27% | 28.27% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime, Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2022","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2022","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 20.08 | No | 56.26 | N/A | xxx | xxx | xxx | xxx | 1 |
| 419524 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 9.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 37.42% | 37.42% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 360 | 33 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 0 | No | 55.19 | N/A | xxx | xxx | xxx | xxx | 1 |
| 945065 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 12.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 17.53% | 17.53% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | Less than 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 154 | 36 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 18.07 | No | 79.61 | N/A | xxx | xxx | xxx | xxx | 1 |
| 583406 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 29.27% | 29.27% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | NA |  | N/A | 0 |  |  | 2 | 2 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified - ["2023","2024"] | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 3 YRS Executed 4506T Verified - ["2023","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 0.7 | No | 62.9 | N/A | xxx | xxx | xxx | xxx | 1 |
| 428195 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.34% | 42.34% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 37 | 34 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Wage, SSI and Disability, Retirement, Other - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | Borrower - Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 0.27 | No | 74.38 | N/A | xxx | xxx | xxx | xxx | 1 |
| 445386 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 28.08% | 28.08% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | Less than 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Bonus, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen |  | Real ID Driver's License |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 67.22 | No | 58.12 | N/A | xxx | xxx | xxx | xxx | 1 |
| 808685 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.36% | 38.36% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] | Borrower - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 56.45 | No | 69.94 | N/A | xxx | xxx | xxx | xxx | 1 |
| 177338 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 8.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 27.22% | 27.22% | Yes | Yes |  |  |  |  |  |  | Not Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | Yes | N/A | 0 | 12 | 0.00% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Subject Property Net Rental Income(Loss) if NOO \|\| Co Borrower - SESoleProprietor, SESoleProprietor, SESoleProprietor, SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower \|\| Co Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | xxx | .00 | xxx | 67.79 | No | 69.85 | N/A | xxx | xxx | xxx | xxx | 1 |
| 931670 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 39.22% | 39.22% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership - Business Bank Statements Verified - ["2025","2024"] | Borrower - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 6.95 | No | 72.12 | N/A | xxx | xxx | xxx | xxx | 1 |
| 220306 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 37.64% | 37.64% | No | No |  |  |  |  |  |  | Retired | Retired |  |  |  |  | 1YR Full Doc | 1 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Yes | Yes | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SSI and Disability, SSI and Disability, Retirement, SSI and Disability - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Award Letter Verified - ["2024","2025"] \|\| Co Borrower - SSI and Disability, Other - Award Letter Verified - ["2024","2025"] | Borrower - ["2024","2025"] \|\| Co Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 3.18 | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 843306 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 47.97% | 47.97% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Personal Bank Statements Verified - ["2025","2024"] | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 0 | No | 45.52 | N/A | xxx | xxx | xxx | xxx | 1 |
| 139297 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.78% | 42.78% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 49.41% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified, Lease Agreements Verified - ["2024","2025"] \|\| Co Borrower - Wage, Overtime, Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Lease Agreements Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 135.05 | xxx | 185.61 | No | 56.86 | N/A | xxx | xxx | xxx | xxx | 2 |
| 503460 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 9.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 31.15% | 31.15% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 88 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2023","2024","2025"] | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 18.43 | No | 64.98 | N/A | xxx | xxx | xxx | xxx | 1 |
| 498999 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.353 | 1.353 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 42.94 | No | 69.48 | N/A | xxx | xxx | xxx | xxx | 4 |
| 861599 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% | 0.00% | 0.00% |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.338 | 1.34 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 29.07 | No | 47.97 | N/A | xxx | xxx | xxx | xxx | 4 |
| 836731 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 46.30% | 46.30% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 1YR Full Doc | 1 | 0 | NA | 2+ Months | N/A | 0 | N/A | 0 | 1 | 1 | 0 | 0 | 2 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | 0.00% |  | Audited | 12 | CPA | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 3 | 3 | FNMA 1005 | No | 0 |  |  | Borrower - SESoleProprietor - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, YTD Profit And Loss Verified, 1 YR W2 1099 Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024"] \|\| Co Borrower - Wage - 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025","2026"] | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024"] \|\| Co Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025","2026"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 0 | No | 64.54 | N/A | xxx | xxx | xxx | xxx | 1 |
| 545012 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 9.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.11% | 40.11% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 7.41 | No | 79.95 | N/A | xxx | xxx | xxx | xxx | 1 |
| 836064 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 31.98% | 31.98% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 18.79 | No | 67.83 | N/A | xxx |  |  | xxx | 1 |
| 208046 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 1.69% | 1.69% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen |  | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 0 | No | 54.68 | Yes | xxx | xxx | xxx | xxx | 1 |
| 987717 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.38% | 43.38% | No |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Retirement, SSI and Disability - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - ["2025"] | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 20.37 | No | 59.58 | N/A | xxx | xxx | xxx | xxx | 1 |
| 710247 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 36.35% | 36.35% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Documentation | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 10 | 10 | Work Number | Yes | 218 | 36 | Work Number | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024"] \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024"] \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 44.23 | No | 78.63 | N/A | xxx | xxx | xxx | xxx | 1 |
| 309347 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 37.67% | 37.67% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | Full Documentation | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] \|\| Co Borrower - N/A - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 37.9 | No | 66.41 | N/A | xxx | xxx | xxx | xxx | 1 |
| 566823 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 37.22% | 37.22% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 205 | 35 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 7.46 | No | 73.01 | N/A | xxx | xxx | xxx | xxx | 1 |
| 520136 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 9.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.32% | 41.32% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Documentation | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 11.33 | No | 79.97 | N/A | xxx | xxx | xxx | xxx | 1 |
| 118411 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 8.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.30% | 44.30% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | NA |  | N/A | 0 |  |  | 2 | 2 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 11 | Tax Preparer |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, SESCorp, Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2024","2023"] | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 23.26 | No | 78.67 | N/A | xxx | xxx | xxx | xxx | 1 |
| 505521 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 9.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.50% | 43.50% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 37 | Yes | 37 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 37.3 | No | 74.67 | N/A | xxx | xxx | xxx | xxx | 1 |
| 424871 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.068 | 1.068 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 14.93 | No | 72.73 | N/A | xxx | xxx | xxx | xxx | 1 |
| 737944 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 45.40% | 45.40% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 2YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 2 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 33.33% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 12 | Yes | 12 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, SSI and Disability - 2 YRS Personal Tax Returns Verified, CPA Letter Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2024","2023"] \|\| Co Borrower - SEPartnership - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, CPA Letter Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2023"] | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2024","2023"] \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 70.39 | No | 76.24 | N/A | xxx | xxx | xxx | xxx | 1 |
| 720878 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 9.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 35.32% | 35.32% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 94 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2025"] | Borrower - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Resident Alien |  | Real ID Driver's License |  | xxx | xxx | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 50.68 | No | 79.9 | N/A | xxx |  |  | xxx | 1 |
| 848857 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.02% | 40.02% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 35 | 35 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 57.79 | No | 68 | N/A | xxx | xxx | xxx | xxx | 1 |
| 263688 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 12.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.83% | 41.83% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 66 | 36 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 35.19 | No | 89.49 | N/A | xxx | xxx | xxx | xxx | 1 |
| 950760 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 10.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 33.63% | 33.63% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Retirement, Retirement, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, Award Letter Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 5.14 | No | 65.17 | N/A | xxx | xxx | xxx | xxx | 1 |
| 762245 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.490% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.63% | 48.63% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 60 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Asset Depletion - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 1.01 | xxx | 1.07 | No | 73.92 | N/A | xxx | xxx | xxx | xxx | 1 |
| 889087 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 32.50% | 32.50% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 0 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 185 | 25 | FNMA 1005 | No | 0 |  |  | Borrower - Wage, Other REO Net Rental Income(Loss) - 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified - ["2024","2025"] \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2024","2025"] | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 31.72 | No | 56.32 | N/A | xxx | xxx | xxx | xxx | 1 |
| 473928 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 8.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 25.63% | 25.63% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | N/A | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified, Lease Agreements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 57.35 | No | 56.24 | N/A | xxx | xxx | xxx | xxx | 4 |
| 375178 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 8.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.33% | 40.33% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SEPartnership, SEPartnership, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified, Lease Agreements Verified - ["2025"] \|\| Co Borrower | Borrower - ["2025"] \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 15.51 | No | 75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 589365 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.046 | 1.033 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 25.03 | No | 71.46 | N/A | xxx | xxx | xxx | xxx | 1 |
| 204203 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 9.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.13% | 42.13% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 83.98% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SSI and Disability - 1 YR Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] | Borrower - 1 YR Executed 4506T Verified - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 28.89 | No | 63.9 | N/A | xxx | xxx | xxx | xxx | 1 |
| 316769 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 10.990% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.65% | 42.65% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 2YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 2 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 62.56% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | Yes | Borrower - Wage, Bonus - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] \|\| Co Borrower - SESCorp - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2023"] | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 9.81 | No | 89.13 | N/A | xxx | xxx | xxx | xxx | 1 |
| 923179 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 9.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 34.24% | 34.24% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Audited | 12 | Tax Preparer | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2025"] \|\| Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified - ["2025"] \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 44.15 | No | 34.84 | N/A | xxx | xxx | xxx | xxx | 1 |
| 150727 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 32.62% | 32.62% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 96 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 19.81 | No | 78.09 | N/A | xxx | xxx | xxx | xxx | 1 |
| 590613 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 8.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 29.63% | 29.63% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Bonus, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .02 | xxx | 0.06 | No | 55.01 | N/A | xxx | xxx | xxx | xxx | 1 |
| 186210 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.92% | 39.92% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 0 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 1 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2+ Months Paystubs Verified, Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] | Borrower - Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 19.45 | No | 69.99 | N/A | xxx | xxx | xxx | xxx | 1 |
| 319692 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 5.66% | 5.66% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | N/A | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Passport |  | xxx | xxx | xxx | xxx | xxx | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 16.14 | No | 64.86 | N/A | xxx | xxx | xxx | xxx | 1 |
| 500989 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 46.04% | 46.04% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Documentation | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 155 | 35 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2025","2024","2023"] | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Yes | N/A | xxx | .00 | xxx | 34.66 | No | 71.44 | N/A | xxx | xxx | xxx | xxx | 1 |
| 178200 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 47.68% | 47.68% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No | N/A | 0 | 0 | 100.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 168 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Personal Bank Statements Verified - ["2024","2025"] \|\| Co Borrower - N/A | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 26.48 | No | 73.45 | N/A | xxx | xxx | xxx | xxx | 1 |
| 256891 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 47.78% | 47.78% | Yes | Yes |  |  |  |  |  |  | Retired | Employed |  |  |  |  | 1YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 1 | 1 | 0 | 0 | 3 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 280 | 323 | Work Number | No | 0 |  | N/A | Borrower - Other, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - ["2025"] \|\| Co Borrower - Wage - Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025","2024","2023"] | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - ["2025"] \|\| Co Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 0.33 | No | 60.87 | N/A | xxx | xxx | xxx | xxx | 1 |
| 767502 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 9.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 22.19% | 22.19% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 41.7 | No | 75 | Yes | xxx | xxx | xxx | xxx | 1 |
| 340071 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.90% | 44.90% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 1 | 0 |  |  | 3 | 1 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Borrower Prepared | 12 | Borrower |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Retirement - 1 YR Personal Tax Returns Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Award Letter Verified - ["2024","2025"] | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 15.53 | No | 26.79 | N/A | xxx | xxx | xxx | xxx | 1 |
| 506218 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 10.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 45.04% | 45.04% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | 2YR Full Doc | 2 |  | NA |  | N/A | 0 |  |  | 1 | 0 |  |  | 3 | 2 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Retirement, Retirement - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - ["2024","2023"] | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 8.45 | No | 74.74 | Yes | xxx | xxx | xxx | xxx | 1 |
| 614230 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.64% | 42.64% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 48 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 17.73 | No | 71.49 | N/A | xxx | xxx | xxx | xxx | 1 |
| 368144 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 0.85% | 0.85% | No | No |  |  |  |  |  |  | Unknown | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | Yes | Yes | 0 | 12 | 100.00% |  | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025"] | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 53.83 | No | 79.33 | N/A | xxx | xxx | xxx | xxx | 1 |
| 936032 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 48.27% | 48.27% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 50.00% | 50.00% |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer | Third-Party Prepared (Unaudited) | Tax Preparer | 12 | Yes | 24 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2025"] \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2025"] \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 32.38 | No | 69.94 | Yes | xxx | xxx | xxx | xxx | 1 |
| 351821 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.00% | 43.00% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 241 | 35 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 19.83 | No | 49.89 | N/A | xxx | xxx | xxx | xxx | 1 |
| 339970 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.490% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.09% | 49.09% | No | No |  |  |  |  |  |  | Retired | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Yes | Yes | No | No | 0 | No | No | N/A | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SSI and Disability - 2 YRS W2 1099 Verified, Award Letter Verified - ["2024","2025"] \|\| Co Borrower - Wage, SSI and Disability - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Award Letter Verified - ["2024","2025"] | Borrower - ["2024","2025"] \|\| Co Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 0 | No | 68.41 | N/A | xxx | xxx | xxx | xxx | 1 |
| 623136 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.276 | 1.276 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 26.26 | No | 70 | N/A | xxx | xxx | xxx | xxx | 2 |
| 898049 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | 0.00% | 46.57% | 46.57% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 324 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2025"] | Borrower - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 31.3 | No | 69.82 | N/A | xxx | xxx | xxx | xxx | 1 |
| 671657 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.42% | 49.42% | No | No | 1 |  | 5 |  | 3 |  | Employed | Retired | Employed |  | 8.18 |  | 2YR Full Doc | 2 | 2 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 180 | 180 | Work Number | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Overtime, Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] \|\| Co Borrower - SSI and Disability - 2 YRS W2 1099 Verified, 2 YRS IRS Transcripts Verified \|\| Co Borrower 2 - Wage, Overtime, Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025","2026"] | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] \|\| Co Borrower - 2 YRS IRS Transcripts Verified \|\| Co Borrower 2 - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025","2026"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 0 | No | 48.68 | N/A | xxx |  |  | xxx | 1 |
| 842468 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.68% | 44.68% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 1YR Full Doc | 1 | 1 | 2+ Months | NA | N/A | 0 | N/A | 0 | 1 | 0 | 1 | 1 | 1 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 353 | 35 | Work Number | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Overtime, Other - 1 YR Personal Tax Returns Verified, 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] \|\| Co Borrower - SESCorp, SESCorp - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 1 YR W2 1099 Verified, 1 YR Executed 4506T Verified - ["2024"] | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 1 YR Executed 4506T Verified - ["2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 7.68 | No | 59.56 | N/A | xxx | xxx | xxx | xxx | 1 |
| 202845 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 41.34% | 41.34% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2025"] | Borrower - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 45.03 | No | 56.5 | No | xxx | xxx | xxx | xxx | 1 |
| 176350 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 26.57% | 26.57% | No | No |  |  |  |  |  |  | Not Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | Yes | Yes | 0 | 12 | 100.00% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Other REO Net Rental Income(Loss) \|\| Co Borrower - SESoleProprietor, SESoleProprietor, SESoleProprietor, SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower \|\| Co Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 34.17 | No | 72.39 | N/A | xxx | xxx | xxx | xxx | 1 |
| 304060 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 45.19% | 45.19% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 72 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2025"] | Borrower - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 47.63 | No | 74.53 | N/A | xxx | xxx | xxx | xxx | 2 |
| 611348 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 1.87% | 1.87% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 82.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 83 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 2.42 | No | 73.02 | N/A | xxx | xxx | xxx | xxx | 1 |
| 504089 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 8.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 25.01% | 25.01% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 24.87 | No | 79.08 | N/A | xxx | xxx | xxx | xxx | 1 |
| 440592 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 37.98% | 37.98% | No |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 72 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2023","2024","2025"] | Borrower - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Passport |  | xxx | xxx | xxx | xxx | xxx | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 63.22 | No | 79.82 | N/A | xxx | xxx | xxx | xxx | 1 |
| 297938 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 8.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 37.57% | 37.57% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 58.55 | No | 62.5 | N/A | xxx | xxx | xxx | xxx | 1 |
| 691099 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 9.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 27.68% | 27.68% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 120 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] | Borrower - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 10.03 | No | 60 | N/A | xxx | xxx | xxx | xxx | 1 |
| 514865 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 10.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 41.63% | 41.63% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 164 | 36 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 8.54 | No | 79.99 | N/A | xxx | xxx | xxx | xxx | 1 |
| 835883 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 12.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 25.70% | 25.70% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 4.46 | xxx | 21.03 | No | 74.86 | N/A | xxx | xxx | xxx | xxx | 1 |
| 157326 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 37.99% | 37.99% | No | No |  |  |  |  |  |  | Retired | Retired |  |  |  |  | Full Documentation | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | Yes | Yes | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SSI and Disability - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - ["2025"] \|\| Co Borrower - SSI and Disability - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - ["2025"] | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025"] \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 7.34 | No | 67.04 | N/A | xxx | xxx | xxx | xxx | 1 |
| 427039 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 9.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 33.77% | 33.77% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | Full Documentation | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 2 | Yes |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SSI and Disability, Retirement - 2 YRS IRS Transcripts Verified, Award Letter Verified - ["2025","2026"] | Borrower - 2 YRS IRS Transcripts Verified - ["2025","2026"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 31.85 | No | 85 | N/A | xxx | xxx | xxx | xxx | 1 |
| 250055 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 10.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.71% | 42.71% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025","2026"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025","2026"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 8.65 | No | 68.51 | N/A | xxx | xxx | xxx | xxx | 1 |
| 289828 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 9.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.96% | 43.96% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 119 | 35 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 15.71 | No | 63.33 | N/A | xxx | xxx | xxx | xxx | 1 |
| 460884 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation |  | xxx | xxx |  | No AUS | No | xxx |  | 9.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 41.76% | 41.76% | No | No |  |  |  |  |  |  | Retired | Retired |  |  |  |  | 2YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 2 | 2 | 2 | 0 | 2 | 0 | Yes | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Retirement, Other, Other - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, CPA Letter Verified, 2 YRS Executed 4506T Verified, Award Letter Verified - ["2023","2024"] \|\| Co Borrower - Other - 2 YRS Personal Tax Returns Verified, CPA Letter Verified, 2 YRS Executed 4506T Verified, Award Letter Verified - ["2023","2024"] | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS Executed 4506T Verified - ["2023","2024"] \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified - ["2023","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 41.71 | xxx | 45.52 | No | 68.11 | Yes | xxx |  |  | xxx | 1 |
| 446888 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 11.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 44.95% | 44.95% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 0.08 | No | 79.58 | N/A | xxx | xxx | xxx | xxx | 1 |
| 531779 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 45.00% | 45.00% | Yes | No |  |  |  |  |  |  | Not Employed | Self-Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 1 | 0 | 2 | 3 | Yes | NA | No | No | 84 | No | No | Yes | 0 | 0 | Yes | Yes | 0 | 5 | 0.00% | 0.00% | 100.00% | Stocks/Bonds | N/A | 0 | N/A | Borrower Prepared | Borrower | 11 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SSI and Disability, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified, Award Letter Verified - ["2025"] \|\| Co Borrower - SESoleProprietor, Asset Depletion - 1 YR Personal Tax Returns Verified, YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified, Business Bank Statements Verified - ["2025"] | Borrower - 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - ["2025"] \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 3.53 | xxx | 8.55 | No | 26.53 | N/A | xxx | xxx | xxx | xxx | 1 |
| 476038 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 33.92% | 33.92% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 227 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 33.77 | No | 79.87 | N/A | xxx |  |  | xxx | 1 |
| 157072 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 14.97% | 14.97% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2025","2024"] | Borrower - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 41.93 | No | 79.36 | N/A | xxx |  |  | xxx | 1 |
| 222628 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.990% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 21.75% | 21.75% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | Tax Preparer |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 20.82 | No | 56.69 | N/A | xxx | xxx | xxx | xxx | 1 |
| 974533 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 8.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.38% | 39.38% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 209 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2025"] | Borrower - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 30.51 | No | 79.99 | N/A | xxx |  |  | xxx | 1 |
| 898791 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.001 | 1 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 24.98 | No | 58.06 | N/A | xxx | xxx | xxx | xxx | 1 |
| 300554 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.07% | 48.07% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 24 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | Yes | Yes | 0 | 24 | 100.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SEPartnership - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2023","2024","2025"] \|\| Co Borrower - SEPartnership - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2023","2024","2025"] | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 11.59 | No | 68.18 | N/A | xxx | xxx | xxx | xxx | 1 |
| 791920 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 28.43% | 28.43% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 100 | 31 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Overtime - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] \|\| Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | Non Permanent Resident Alien | Non-Permanent Resident Alien | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | Employment Authorization Document (I-821D) |  | xxx | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 1.01 | xxx | 1.45 | No | 52.97 | N/A | xxx | xxx | xxx | xxx | 1 |
| 145463 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 10.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.085 | 1.076 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 36.99 | No | 64.99 | N/A | xxx | xxx | xxx | xxx | 1 |
| 925136 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 9.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.66% | 41.66% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 18.29 | No | 74.85 | N/A | xxx | xxx | xxx | xxx | 1 |
| 114988 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.27% | 39.27% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | 0.00% |  | Audited | 12 | Tax Preparer | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2025"] \|\| Co Borrower - N/A - [] | Borrower - ["2025"] \|\| Co Borrower - [] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 3.18 | No | 61.66 | N/A | xxx | xxx | xxx | xxx | 1 |
| 775875 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.36% | 49.36% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] \|\| Co Borrower - 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 1.64 | No | 71.06 | N/A | xxx | xxx | xxx | xxx | 1 |
| 607594 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 9.06% | 9.06% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 65.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 47 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2025"] | Borrower - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 67.12 | No | 41.39 | N/A | xxx | xxx | xxx | xxx | 1 |
| 888911 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 14.09% | 14.09% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 40.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 120 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024"] | Borrower - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 19.91 | No | 79.94 | N/A | xxx | xxx | xxx | xxx | 1 |
| 785980 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 36.40% | 36.40% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 1 YR IRS Transcripts Verified - ["2024","2025","2026"] | Borrower - 1 YR IRS Transcripts Verified - ["2024","2025","2026"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 10.49 | No | 71.9 | N/A | xxx | xxx | xxx | xxx | 1 |
| 895476 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 37.65% | 37.65% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 5.19 | No | 29.72 | N/A | xxx | xxx | xxx | xxx | 1 |
| 465350 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 9.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 30.57% | 30.57% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 35.64 | No | 69.64 | N/A | xxx | xxx | xxx | xxx | 1 |
| 351004 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1 | 1.008 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No |  | N/A | xxx | .00 | xxx | 32.73 | No | 69.61 | N/A | xxx | xxx | xxx | xxx | 1 |
| 472905 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% | 0.00% | 0.00% |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.131 | 1.131 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 36.33 | No | 74.88 | N/A | xxx | xxx | xxx | xxx | 1 |
| 496438 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 8.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | No |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.741 | 1.74 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | xxx | .00 | xxx | 24.25 | No | 70 | N/A | xxx | xxx | xxx | xxx | 1 |
| 774056 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 36.32% | 36.32% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 2YR Full Doc | 0 | 2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 148 | 35 | FNMA 1005 | No | 0 |  | N/A | Borrower - SESoleProprietor - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2023"] \|\| Co Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2023"] \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT INFORMATION FORM | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 0.19 | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 853793 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.87% | 40.87% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | Less than 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 116 | 36 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 10.09 | No | 50.34 | N/A | xxx | xxx | xxx | xxx | 1 |
| 963571 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 25.85% | 25.85% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 35 | 35 | FNMA 1005 | Yes | 37 | 36 | FNMA 1005 | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2026","2025","2024","2023"] \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2026","2025","2024","2023"] | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2026","2025","2024","2023"] \|\| Co Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2026","2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 22.52 | No | 39.06 | N/A | xxx | xxx | xxx | xxx | 1 |
| 548067 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 21.27% | 21.27% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 1 |  | NA |  | N/A | 0 |  |  | 2 | 2 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 1 YR W2 1099 Verified, 2 YRS Executed 4506T Verified - ["2023","2024"] | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 2 YRS Executed 4506T Verified - ["2023","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 3.86 | xxx | 4.8 | No | 74.98 | N/A | xxx | xxx | xxx | xxx | 1 |
| 885252 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 9.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 43.63% | 43.63% | No | No |  |  |  |  |  |  | Retired | Retired |  |  |  |  | 2YR Full Doc | 2 | 2 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | Yes | Yes | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SSI and Disability, Retirement - 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - ["2023","2024"] \|\| Co Borrower - SSI and Disability - 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Award Letter Verified - ["2025"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024"] \|\| Co Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 2.3 | No | 73.69 | N/A | xxx | xxx | xxx | xxx | 1 |
| 308023 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.46% | 42.46% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 282 | 33 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime, Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2025","2024","2023"] | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 19.83 | No | 63.33 | N/A | xxx | xxx | xxx | xxx | 1 |
| 262230 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 21.80% | 21.80% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | Less than 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 105 | 24 | FNMA 1005 | Yes | 39 | 24 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2026","2025","2024","2023"] \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2026","2025","2024","2023"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2026","2025","2024","2023"] \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2026","2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | Us Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 27.08 | No | 52.28 | N/A | xxx | xxx | xxx | xxx | 1 |
| 306256 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 34.93% | 34.93% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 31 | 31 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Wage - Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 12.48 | No | 58.2 | N/A | xxx | xxx | xxx | xxx | 1 |
| 491038 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 45.61% | 45.61% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 1 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 80 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 1 YR Personal Tax Returns Verified, CPA Letter Verified, 1 YR Executed 4506T Verified - ["2025","2024"] | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Executed 4506T Verified - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 39.58 | xxx | 72.63 | No | 74.57 | N/A | xxx |  |  | xxx | 1 |
| 587961 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 32.26% | 32.26% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 1 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 39.07% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 120 | No | 0 | NA | 0 | 0 | N/A | Yes | 167 | 24 | FNMA 1005 | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] \|\| Co Borrower - Wage, Overtime - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2026","2025","2024"] | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] \|\| Co Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2026","2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 5.1 | No | 51.12 | N/A | xxx | xxx | xxx | xxx | 1 |
| 504106 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 10.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.273 | 1.27 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | xxx | .00 | xxx | 34.99 | No | 70 | N/A | xxx | xxx | xxx | xxx | 3 |
| 933272 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.248 | 1.248 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | xxx | .00 | xxx | 41.09 | No | 52.99 | N/A | xxx | xxx | xxx | xxx | 1 |
| 455365 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 4.51% | 4.51% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - ["2025","2026"] | Borrower - ["2025","2026"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 23.39 | No | 69.23 | N/A | xxx | xxx | xxx | xxx | 2 |
| 365260 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 47.66% | 47.66% | No | No |  |  |  |  |  |  | Employed | Retired |  |  |  |  | 1YR Full Doc | 1 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 307 | 25 | Work Number | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2024","2025"] \|\| Co Borrower - Other - 3 YRS Executed 4506T Verified, Award Letter Verified - ["2024","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 69.78 | No | 63 | N/A | xxx | xxx | xxx | xxx | 1 |
| 716432 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 24.21% | 24.21% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 0 | No | 85 | N/A | xxx | xxx | xxx | xxx | 1 |
| 752059 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 9.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.01% | 44.01% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 1 | 1 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2026"] \|\| Co Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified - ["2025","2024","2026"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2026"] \|\| Co Borrower - ["2025","2024","2026"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 27.13 | No | 71.69 | N/A | xxx | xxx | xxx | xxx | 1 |
| 763641 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 39.29% | 39.29% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2025"] | Borrower - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 17.89 | No | 54.2 | N/A | xxx | xxx | xxx | xxx | 1 |
| 714441 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 9.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 32.77% | 32.77% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - ["2026","2025","2024","2023"] \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - ["2026","2025","2024","2023"] | Borrower - 3 YRS Executed 4506T Verified - ["2026","2025","2024","2023"] \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2026","2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 24.64 | No | 52.54 | N/A | xxx | xxx | xxx | xxx | 1 |
| 619875 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 9.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.89% | 48.89% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 48 | 48 | Other | Yes | 88 | 49 | Other | No | 0 |  |  | Borrower - Wage, Bonus, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2026","2025","2024"] \|\| Co Borrower - Wage, Bonus, Commission - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2026","2025","2024"] | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2026","2025","2024"] \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2026","2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 27.71 | No | 79.88 | N/A | xxx | xxx | xxx | xxx | 1 |
| 210119 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.472 | 1.66 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 0 | No | 58.02 | N/A | xxx | xxx | xxx | xxx | 3 |
| 684669 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.150% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 37.13% | 37.13% | No | No |  |  |  |  |  |  | Not Employed | Self-Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | NA | Less than 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | Yes | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SSI and Disability - 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified, Award Letter Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - ["2026","2025","2024"] | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2026","2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 1.43 | No | 72.18 | N/A | xxx | xxx | xxx | xxx | 1 |
| 885026 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 31.64% | 31.64% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 99.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024"] | Borrower - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 9.1 | No | 79.96 | N/A | xxx | xxx | xxx | xxx | 1 |
| 298435 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% | 0.00% | 0.00% |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 0.963 | 1.039 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 61.46 | No | 70 | N/A | xxx | xxx | xxx | xxx | 2 |
| 614687 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.990% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 33.59% | 33.59% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 43 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2025"] | Borrower - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 24.28 | No | 57.44 | N/A | xxx | xxx | xxx | xxx | 1 |
| 811571 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 9.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 46.94% | 46.94% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR 1099 Only | 1 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 1 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 1 YR W2 1099 Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024"] | Borrower - 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 10.7 | No | 80.14 | N/A | xxx | xxx | xxx | xxx | 1 |
| 727051 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.40% | 44.40% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 276 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Personal Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 70.66 | No | 52.84 | N/A | xxx |  |  | xxx | 1 |
| 334150 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 8.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% | 0.00% | 0.00% |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.04 | 1.886 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | xxx | .00 | xxx | 34.43 | No | 71.83 | N/A | xxx |  |  | xxx | 1 |
| 505355 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 21.92% | 21.92% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 62 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 75.91 | No | 56.55 | N/A | xxx | xxx | xxx | xxx | 1 |
| 653226 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 8.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 49.29% | 49.29% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 0 | 0 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 1 | 0 | 1 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 28 | 28 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 1040 Schedule E Verified - ["2026","2025"] \|\| Co Borrower - Wage - 1 YR Personal Tax Returns Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1040 Schedule E Verified - ["2026","2025","2024"] | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1040 Schedule E Verified - ["2026","2025"] \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1040 Schedule E Verified - ["2026","2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 56.89 | No | 48.45 | N/A | xxx | xxx | xxx | xxx | 1 |
| 193578 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 11.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.95% | 39.95% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 264 | 36 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2026","2025","2024","2023"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2026","2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 8.54 | No | 77.4 | N/A | xxx | xxx | xxx | xxx | 1 |
| 114271 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 30.63% | 30.63% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 2YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 2 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 33 | 33 | FNMA 1005 | No | 0 |  |  | Borrower - SECorporation - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified - ["2024","2023"] \|\| Co Borrower - Wage - Written VOE Verified, 3 YRS Executed 4506T Verified - ["2025","2024","2023"] | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified - ["2024","2023"] \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 35.97 | No | 60.96 | N/A | xxx | xxx | xxx | xxx | 1 |
| 286632 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 9.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.93% | 44.93% | No | No |  |  |  |  |  |  | Not Employed | Employed |  |  |  |  | 2YR Full Doc | 0 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | Yes | 0 | 0 | 0.00% |  | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 10 | 25 | Work Number | No | 0 |  | N/A | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2026","2025"] | Borrower - 3 YRS Executed 4506T Verified \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2026","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 1.5 | No | 63.75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 238981 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 9.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.78% | 41.78% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 1 | 1 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - ["2025"] \|\| Co Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - ["2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2025"] \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 16.17 | No | 89.78 | N/A | xxx | xxx | xxx | xxx | 1 |
| 177640 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 8.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% | 0.00% | 0.00% |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.008 | 1.008 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | xxx | .00 | xxx | 22.89 | No | 54.3 | N/A | xxx |  |  | xxx | 1 |
| 841991 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 49.83% | 49.83% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 24 | 12 | Work Number | Yes | 13 | 13 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage, Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025","2026"] \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025","2026"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025","2026"] \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025","2026"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 61.65 | No | 54.3 | N/A | xxx | xxx | xxx | xxx | 1 |
| 475102 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 12.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.73% | 41.73% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 1 | 1 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 125 | 25 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025","2026"] \|\| Co Borrower - Wage, Commission - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 1 YR IRS Transcripts Verified - ["2024","2025","2026"] | Borrower - 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025","2026"] \|\| Co Borrower - 1 YR IRS Transcripts Verified - ["2024","2025","2026"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 6.22 | No | 78.96 | N/A | xxx | xxx | xxx | xxx | 1 |
| 401993 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 10.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 32.36% | 32.36% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | Less than 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 48 | 48 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2025","2026"] | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2025","2026"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 0.62 | No | 68.33 | N/A | xxx | xxx | xxx | xxx | 1 |
| 811840 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.375% |  | xxx | Yes | 8.375% | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.20% | 49.20% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | Yes | 48 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025"] \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2025"] \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 26.76 | No | 57.53 | N/A | xxx | xxx | xxx | xxx | 1 |
| 301234 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 16.29% | 16.29% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2025"] | Borrower - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 0 | No | 59.64 | N/A | xxx | xxx | xxx | xxx | 1 |
| 144055 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 20.63% | 20.63% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 90.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership - Business Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 17.23 | No | 74.41 | N/A | xxx | xxx | xxx | xxx | 1 |
| 803032 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 26.53% | 26.53% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2025"] | Borrower - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 21.06 | No | 54.49 | N/A | xxx | xxx | xxx | xxx | 1 |
| 490728 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 47.00% | 47.00% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 3.68 | xxx | 3.68 | No | 79.16 | N/A | xxx |  |  | xxx | 1 |
| 322307 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 20.46% | 20.46% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 144 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SECorporation - CPA Letter Verified, Business Bank Statements Verified - ["2025"] \|\| Co Borrower - N/A | Borrower - ["2025"] \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 15.7 | No | 54.28 | N/A | xxx | xxx | xxx | xxx | 1 |
| 393687 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 42.29% | 42.29% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 265 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 33.1 | No | 59.9 | N/A | xxx |  |  | xxx | 1 |
| 572506 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 8.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.002 | 1.002 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | xxx | .00 | xxx | 41.09 | No | 49.1 | N/A | xxx |  |  | xxx | 1 |
| 909952 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.85% | 41.85% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 28.61 | No | 49.29 | N/A | xxx |  |  | xxx | 1 |
| 829805 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 10.990% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 37.72% | 37.72% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified - ["2024","2025","2026"] | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025","2026"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 19.86 | No | 79.94 | N/A | xxx | xxx | xxx | xxx | 1 |
| 546619 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.86% | 40.86% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 1 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 57 | Yes | 57 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, IRS Transcripts Verified, Business Bank Statements Verified - ["2025","2024"] \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, IRS Transcripts Verified, Business Bank Statements Verified - ["2025","2024"] | Borrower - 2 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2025","2024"] \|\| Co Borrower - 2 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 16.57 | No | 73.3 | N/A | xxx | xxx | xxx | xxx | 1 |
| 252131 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 18.83% | 18.83% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2025"] | Borrower - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 42.99 | No | 62.99 | Yes | xxx | xxx | xxx | xxx | 1 |
| 524375 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 10.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.67% | 41.67% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 1 | 0 |  |  | 2 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Borrower Prepared | 12 | Borrower |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, SEPartnership - 1 YR Personal Tax Returns Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 34.86 | No | 84.68 | N/A | xxx | xxx | xxx | xxx | 1 |
| 160348 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 10.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.24% | 42.24% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 27 | 25 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Retirement, Other - 1 YR W2 1099 Verified, Written VOE Verified, 1 YR Executed 4506T Verified, Award Letter Verified - ["2026","2025","2024"] | Borrower - 1 YR Executed 4506T Verified - ["2026","2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 17.93 | No | 88.17 | N/A | xxx | xxx | xxx | xxx | 1 |
| 797250 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 9.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 28.21% | 28.21% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2025","2026"] | Borrower - 3 YRS Executed 4506T Verified - ["2025","2026"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 17.16 | No | 59.92 | N/A | xxx | xxx | xxx | xxx | 1 |
| 926444 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.75% | 39.75% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | Permanent Resident Alien | Permanent Resident Alien |  | Real ID Driver's License |  | xxx | xxx | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 20.41 | No | 74.86 | N/A | xxx | xxx | xxx | xxx | 1 |
| 339880 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.15% | 43.15% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR 1099 Only | 2 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 220 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Other - CPA Letter Verified, 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 49.44 | No | 68.03 | N/A | xxx |  |  | xxx | 1 |
| 821036 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 31.05% | 31.05% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 69.18 | No | 68.32 | N/A | xxx | xxx | xxx | xxx | 1 |
| 115087 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 10.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 42.18% | 42.18% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Missing | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - Missing CPA Letter Verified, Business Bank Statements Verified - ["2026","2025"] | Borrower - ["2026","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 40.92 | No | 69.33 | N/A | xxx | xxx | xxx | xxx | 1 |
| 790735 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 42.58% | 42.58% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Documentation | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 51 | 25 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified - ["2024","2025","2026"] | Borrower - ["2024","2025","2026"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 20.84 | No | 69.97 | N/A | xxx |  |  | xxx | 1 |
| 200972 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.001 | 1.001 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | xxx | .00 | xxx | 28 | No | 58.75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 500097 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 22.11% | 22.11% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - ["2026","2025"] | Borrower - ["2026","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 30.31 | No | 70 | N/A | xxx | xxx | xxx | xxx | 1 |
| 704739 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 49.65% | 49.65% | No | No |  |  |  |  |  |  | Self-Employed | Unknown |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025"] \|\| Co Borrower - N/A - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified - ["2025"] \|\| Co Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 45.11 | No | 40.95 | Yes | xxx | xxx | xxx | xxx | 1 |
| 562860 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 12.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 13.86% | 13.86% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025"] | Borrower - 2 YRS Executed 4506T Verified - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 15.63 | No | 85 | N/A | xxx | xxx | xxx | xxx | 1 |
| 682901 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 10.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.91% | 44.91% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 3 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Commission, Retirement - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - ["2025"] | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No | Closed End - Fixed | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 6.24 | xxx | 6.24 | No | 78.08 | N/A | xxx | xxx | xxx | xxx | 1 |
| 502465 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | $0.00 |  |  | 0.00% | 39.03% | 39.03% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 24 | 24 | FNMA 1005 | Yes | 24 | 24 | FNMA 1005 | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2026","2025","2024"] \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2026","2024"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2026","2025","2024"] \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2026","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 9.33 | No | 74.81 | N/A | xxx | xxx | xxx | xxx | 1 |
| 994911 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 9.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 37.86% | 37.86% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 47 | 25 | FNMA 1005 | Yes | 36 | 25 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2024","2025","2026"] \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2024","2025","2026"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025","2026"] \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2024","2025","2026"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | US PATRIOT ACT | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 0.36 | No | 73.14 | N/A | xxx | xxx | xxx | xxx | 1 |
| 992289 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 10.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 35.37% | 35.37% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 1 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 67.79% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | FNMA 1005 | Yes | 65 | 36 | FNMA 1005 | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Business Bank Statements Verified - ["2025"] \|\| Co Borrower - Wage - 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025","2023"] | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025"] \|\| Co Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .14 | xxx | 38.36 | No | 79.93 | N/A | xxx | xxx | xxx | xxx | 1 |
| 226189 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 9.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 36.87% | 36.87% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025","2026"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025","2026"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 23.29 | No | 79.88 | N/A | xxx | xxx | xxx | xxx | 1 |
| 991879 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 45.00% | 45.00% | No |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SSI and Disability, Retirement - ["2025"] | Borrower - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 36.8 | No | 56.82 | N/A | xxx | xxx | xxx | xxx | 1 |
| 901396 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.13% | 41.13% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 3 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - ["2026","2025"] \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - ["2026","2025"] | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - ["2026","2025"] \|\| Co Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - ["2026","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 3.44 | No | 71.48 | N/A | xxx | xxx | xxx | xxx | 1 |
| 804565 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 9.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.85% | 41.85% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 37.17 | No | 79 | N/A | xxx | xxx | xxx | xxx | 1 |
| 391468 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 10.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.70% | 39.70% | No | No |  |  |  |  |  |  | Retired | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | Yes | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 18 | 17 | FNMA 1005 | No | 0 |  | N/A | Borrower - Retirement, Retirement - 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - ["2024","2023"] \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025","2026"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2023"] \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025","2026"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot ACT | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot ACT | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 19.07 | No | 71.67 | N/A | xxx | xxx | xxx | xxx | 1 |
| 277299 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 9.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 36.46% | 36.46% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 24 | 24 | FNMA 1005 | Yes | 24 | 24 | FNMA 1005 | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2026","2025"] \|\| Co Borrower - Wage, Overtime, Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2025","2026","2024"] | Borrower - 2 YRS Executed 4506T Verified - ["2026","2025"] \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2025","2026","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 1.82 | No | 79.73 | N/A | xxx | xxx | xxx | xxx | 1 |
| 823026 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 12.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 33.82% | 33.82% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 1 | 1 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 241 | 25 | FNMA 1005 | Yes | 4 | 4 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025","2026"] \|\| Co Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025","2026","2024"] | Borrower - Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025","2026"] \|\| Co Borrower - Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025","2026","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 10.15 | No | 79.82 | N/A | xxx | xxx | xxx | xxx | 1 |
| 477679 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 11.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.70% | 44.70% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 101 | 25 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025","2026"] | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025","2026"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 7.63 | No | 86.28 | N/A | xxx | xxx | xxx | xxx | 1 |
| 167998 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 11.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.31% | 39.31% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Retirement - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified - ["2024","2025","2023"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .34 | xxx | 15.14 | No | 87.88 | N/A | xxx | xxx | xxx | xxx | 1 |
| 899364 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.02% | 38.02% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2026"] | Borrower - 3 YRS Executed 4506T Verified - ["2025","2026"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 44.92 | No | 74.46 | N/A | xxx | xxx | xxx | xxx | 1 |
| 263216 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 9.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.00% | 41.00% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 192 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2025","2026"] | Borrower - 3 YRS Executed 4506T Verified - ["2025","2026"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 51.32 | No | 58.54 | N/A | xxx | xxx | xxx | xxx | 2 |
| 669174 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | Annually | 0.00% | 48.77% | 48.77% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 60 | No | Yes | Yes | 7 | 12 | Yes | Yes | 7 | 0 | 0.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 72 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Asset Depletion - CPA Letter Verified, Personal Bank Statements Verified, Business Bank Statements Verified - ["2025","2026"] \|\| Co Borrower - Asset Depletion - Personal Bank Statements Verified - ["2024","2025"] | Borrower - ["2025","2026"] \|\| Co Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 9 | No | 56.71 | N/A | xxx |  |  | xxx | 1 |
| 205605 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% | 0.00% | 0.00% |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.18 | 1.12 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 0 | No | 58.56 | N/A | xxx | xxx | xxx | xxx | 1 |
| 484279 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.990% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 28.42% | 28.42% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Documentation | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - ["2026","2025","2024"] | Borrower - 2 YRS Executed 4506T Verified - ["2026","2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Passport |  | xxx | xxx | xxx | xxx | xxx | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 3.44 | No | 66.23 | N/A | xxx | xxx | xxx | xxx | 1 |
| 273104 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 30.26% | 30.26% | No | No |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 0.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SECorporation - Business Bank Statements Verified - ["2025"] \|\| Co Borrower - SECorporation - Business Bank Statements Verified - ["2025"] | Borrower - ["2025"] \|\| Co Borrower - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 0 | No | 74.96 | N/A | xxx |  |  | xxx | 1 |
| 772680 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 29.58% | 29.58% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2025","2026"] | Borrower - ["2025","2026"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 0 | No | 40.64 | N/A | xxx |  |  | xxx | 1 |
| 546245 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 9.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.79% | 41.79% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Audited | 12 | Tax Preparer | N/A | N/A | 0 | Yes | 120 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2025"] \|\| Co Borrower | Borrower - ["2025"] \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 35.15 | No | 42.22 | N/A | xxx |  |  | xxx | 1 |
| 559831 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% | 0.00% | 0.00% |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.015 | 1 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 30.51 | No | 41.09 | N/A | xxx | xxx | xxx | xxx | 1 |
| 661423 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 8.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 18.20% | 18.20% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2026","2025"] \|\| Co Borrower - N/A | Borrower - 3 YRS Executed 4506T Verified - ["2026","2025"] \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 9.28 | xxx | 9.35 | No | 60.16 | Yes | xxx | xxx | xxx | xxx | 1 |
| 564779 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 9.00% | 9.00% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2023","2024"] | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 46.86 | No | 79.95 | N/A | xxx | xxx | xxx | xxx | 1 |
| 210466 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 8.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 33.22% | 33.22% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 95.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 168 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - ["2025"] | Borrower - 2 YRS Executed 4506T Verified - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 62.92 | No | 70 | N/A | xxx | xxx | xxx | xxx | 1 |
| 268004 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.44% | 44.44% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 84 | No | Yes | Yes | 0 | 12 | No |  |  |  | 35.08% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | Yes | 360 | 24 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Wage, SESoleProprietor, Asset Depletion - CPA Letter Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Business Bank Statements Verified - ["2024","2025","2026"] | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025","2026"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 22.01 | No | 53.91 | N/A | xxx | xxx | xxx | xxx | 2 |
| 584409 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.089 | 1.089 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 0 | No | 51.87 | N/A | xxx | xxx | xxx | xxx | 1 |
| 212107 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.06% | 49.06% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 26 | 26 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2025","2024","2023"] | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 25.56 | No | 59.2 | N/A | xxx |  |  | xxx | 1 |
| 973789 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 46.74% | 46.74% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | Tax Preparer |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2025","2026"] | Borrower - 3 YRS Executed 4506T Verified - ["2025","2026"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 0 | No | 67.49 | N/A | xxx | xxx | xxx | xxx | 1 |
| 806240 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 36.93% | 36.93% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 2 | 2 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, SESCorp, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, CPA Letter Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2023"] | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 57.63 | No | 74.84 | N/A | xxx | xxx | xxx | xxx | 1 |
| 425338 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.07% | 40.07% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 1.02 | xxx | 20.35 | No | 69.26 | N/A | xxx |  |  | xxx | 1 |
| 226240 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 36.25% | 36.25% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 264 | 36 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025","2026"] | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025","2026"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 26.31 | No | 75 | Yes | xxx | xxx | xxx | xxx | 1 |
| 427887 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 28.57% | 28.57% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 316 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Executed 4506T Verified, Business Bank Statements Verified - ["2025"] | Borrower - Executed 4506T Verified - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 42.02 | No | 58.79 | N/A | xxx | xxx | xxx | xxx | 1 |
| 166120 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 10.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 28.19% | 28.19% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 1YR Full Doc | 1 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 1 | 1 | 1 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024"] \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024"] \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | US PATRIOT ACT | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 8.21 | No | 74.61 | N/A | xxx | xxx | xxx | xxx | 1 |
| 472143 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 12.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.38% | 38.38% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 161 | 24 | FNMA 1005 | Yes | 8 | 8 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025","2026"] \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - ["2024","2025","2026"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025","2026"] \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025","2026"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 11.66 | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 850767 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 9.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.79% | 42.79% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 1 | 1 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024"] | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 27.09 | No | 47.2 | N/A | xxx | xxx | xxx | xxx | 1 |
| 613998 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 10.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.15% | 43.15% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 3 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 29 | 29 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other, Other - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - ["2026","2025","2024"] | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - ["2026","2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 22.9 | No | 85.36 | N/A | xxx | xxx | xxx | xxx | 1 |
| 483317 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.39% | 43.39% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 99.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 48 | Yes | 48 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025"] \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2025"] \|\| Co Borrower - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 25.14 | No | 72.81 | N/A | xxx | xxx | xxx | xxx | 1 |
| 256862 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 8.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 33.77% | 33.77% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | 100.00% |  | Audited | 12 | Tax Preparer | Audited | Tax Preparer | 12 | Yes | 24 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - ["2025","2024"] \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - ["2025","2024"] | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024"] \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 13.26 | No | 57.95 | N/A | xxx | xxx | xxx | xxx | 1 |
| 811205 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.32% | 43.32% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2025"] | Borrower - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 30.46 | No | 74.48 | N/A | xxx | xxx | xxx | xxx | 1 |
| 845591 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 9.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.31% | 39.31% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 1 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 12 | 12 | FNMA 1005 | Yes | 8 | 8 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2026","2025","2024"] \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2026","2025","2024"] | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2026","2025","2024"] \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2026","2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 2.27 | xxx | 2.27 | No | 79.9 | N/A | xxx | xxx | xxx | xxx | 1 |
| 230730 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 9.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 26.16% | 26.16% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 158 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Executed 4506T Verified, Business Bank Statements Verified - ["2025"] | Borrower - Executed 4506T Verified - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Other | Customer IdentificationVerification | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 37.31 | No | 79.72 | N/A | xxx | xxx | xxx | xxx | 1 |
| 150819 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 0.805 | 0.805 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 0.38 | No | 74.86 | N/A | xxx | xxx | xxx | xxx | 1 |
| 765816 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 29.44% | 29.44% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2025"] | Borrower - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 77.55 | No | 32.24 | N/A | xxx | xxx | xxx | xxx | 2 |
| 600035 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 11.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.81% | 49.81% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 1 | 1 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 6 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Other, Asset Depletion - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] \|\| Co Borrower - Wage, Bonus - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 16.38 | xxx | 54.86 | No | 86.84 | N/A | xxx | xxx | xxx | xxx | 1 |
| 956835 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.08% | 43.08% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 12 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 136 | 33 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Asset Depletion - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified - ["2023","2024","2025"] | Borrower - 1 YR Executed 4506T Verified - ["2023","2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 2.19 | No | 68.17 | N/A | xxx | xxx | xxx | xxx | 1 |
| 301464 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 10.34% | 10.34% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 0 | No | 60.25 | N/A | xxx | xxx | xxx | xxx | 2 |
| 745055 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.990% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 37.01% | 37.01% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2025","2026"] | Borrower - ["2025","2026"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 50.56 | No | 74.04 | N/A | xxx | xxx | xxx | xxx | 1 |
| 470702 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 9.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 36.34% | 36.34% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 307 | 24 | Work Number | Yes | 207 | 24 | Work Number | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025","2026"] \|\| Co Borrower - Wage, Overtime - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025","2026"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025","2026"] \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025","2026"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 13.32 | No | 79.9 | N/A | xxx | xxx | xxx | xxx | 1 |
| 401352 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 34.57% | 34.57% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 17 | 16 | Work Number | Yes | 34 | 33 | Work Number | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025","2026","2023"] \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025","2026","2023"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025","2026","2023"] \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025","2026","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 18.67 | No | 47.67 | N/A | xxx | xxx | xxx | xxx | 1 |
| 342532 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 42.61% | 42.61% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 47 | 47 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025","2026"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025","2026"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 28.5 | No | 66.84 | N/A | xxx | xxx | xxx | xxx | 1 |
| 716715 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 38.78% | 38.78% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 2YR Full Doc | 0 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% |  | Borrower Prepared | 12 | Borrower | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - 2 YRS Personal Tax Returns Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024"] \|\| Co Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025","2026"] | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024"] \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025","2026"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 25.45 | No | 78.08 | N/A | xxx | xxx | xxx | xxx | 1 |
| 881197 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 37.83% | 37.83% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Documentation | 0 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 144 | 144 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Bonus - 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2024","2025","2026"] \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - ["2024","2025","2026"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025","2026"] \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2024","2025","2026"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 5.98 | No | 70.28 | N/A | xxx | xxx | xxx | xxx | 1 |
| 659024 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 9.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 30.47% | 30.47% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025","2024"] | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7 | xxx | xxx | 0 | 156 |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 50.13 | No | 45.56 | N/A | xxx | xxx | xxx | xxx | 1 |
| 469758 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 28.36% | 28.36% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 1 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2024","2025","2026"] \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2024","2025","2026"] | Borrower - 3 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2024","2025","2026"] \|\| Co Borrower - 3 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2024","2025","2026"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 13.84 | No | 40.3 | N/A | xxx | xxx | xxx | xxx | 1 |
| 274229 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 50.05% | 50.05% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | Yes | Yes | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 63.22% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 223 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, Retirement, Other - CPA Letter Verified, 2 YRS Executed 4506T Verified, Award Letter Verified, Business Bank Statements Verified - ["2025","2026"] \|\| Co Borrower - Other - 2 YRS Executed 4506T Verified, Award Letter Verified - ["2025"] | Borrower - 2 YRS Executed 4506T Verified - ["2025","2026"] \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 22.09 | No | 65.58 | N/A | xxx | xxx | xxx | xxx | 1 |
| 592397 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 43.20% | 43.20% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2025","2026"] | Borrower - 3 YRS Executed 4506T Verified - ["2025","2026"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 0 | No | 62.58 | N/A | xxx | xxx | xxx | xxx | 1 |
| 691687 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 10.89% | 10.89% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Missing | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - Missing CPA Letter Verified, Business Bank Statements Verified - ["2025"] | Borrower - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Passport |  | xxx | xxx | xxx | xxx | xxx | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 94.81 | No | 72.79 | N/A | xxx | xxx | xxx | xxx | 1 |
| 977311 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 42.79% | 42.79% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 101 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] | Borrower - ["2024","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 10.26 | No | 79.59 | N/A | xxx | xxx | xxx | xxx | 1 |
| 291535 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 44.10% | 44.10% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 2 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Accountant/Bookkeeper |  |  |  | NA | 0 | No |  | Yes | 39 | 39 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Wage, Bonus - 2 YRS Business Tax Returns Verified, YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2026","2025","2024","2023"] | Borrower - 2 YRS Business Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2026","2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 22.09 | No | 74.84 | N/A | xxx | xxx | xxx | xxx | 1 |
| 668046 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 24.19% | 24.19% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 12 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2025"] \|\| Co Borrower | Borrower - ["2025"] \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 53.79 | No | 69.75 | N/A | xxx | xxx | xxx | xxx | 1 |
| 976207 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.547 | 1.547 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 0 | No | 25.55 | N/A | xxx | xxx | xxx | xxx | 1 |
| 982017 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 9.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.18% | 41.18% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SEPartnership - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 5.38 | xxx | 31.75 | No | 74.89 | N/A | xxx | xxx | xxx | xxx | 1 |
| 925095 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.58% | 48.58% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2025"] | Borrower - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 43.44 | No | 68.36 | N/A | xxx |  |  | xxx | 1 |
| 749921 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.87% | 41.87% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 348 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2026"] | Borrower - ["2025","2026"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 62.94 | No | 33.59 | N/A | xxx |  |  | xxx | 1 |
| 855369 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 37.42% | 37.42% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 48 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2026"] | Borrower - ["2025","2026"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 56.39 | No | 59.76 | N/A | xxx | xxx | xxx | xxx | 1 |
| 918807 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.78% | 49.78% | No | No | 1 |  | 3 |  | 3 |  | Employed | Employed | Employed |  | 4.03 |  | 2YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 165 | 24 | FNMA 1005 | Yes | 60 | 25 | Work Number | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2024","2025","2026"] \|\| Co Borrower - Wage - Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2024","2025","2026"] \|\| Co Borrower 2 - Wage, Other REO Net Rental Income(Loss), Overtime - Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025","2026"] | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2024","2025","2026"] \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2024","2025","2026"] \|\| Co Borrower 2 - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025","2026"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 0 | No | 74.59 | N/A | xxx |  |  | xxx | 1 |
| 305216 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 12.45% | 12.45% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified - ["2025","2026"] | Borrower - ["2025","2026"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 0 | No | 54.56 | N/A | xxx |  |  | xxx | 1 |
| 654925 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.01% | 44.01% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 180 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2026","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2026","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 28.52 | No | 80 | N/A | xxx | xxx | xxx | xxx | 1 |
| 936213 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.01% | 49.01% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - ["2026","2025","2024"] \|\| Co Borrower - Wage, Retirement, Other - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, Award Letter Verified - ["2026","2025","2024"] | Borrower - 3 YRS Executed 4506T Verified - ["2026","2025","2024"] \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2026","2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 2.50 | xxx | 8.16 | No | 61.97 | N/A | xxx | xxx | xxx | xxx | 1 |
| 425512 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.42% | 43.42% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 120 | Yes | 120 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025"] \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2025"] \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .67 | xxx | 14.09 | No | 59.66 | N/A | xxx | xxx | xxx | xxx | 1 |
| 583580 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.039 | 1.008 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Unknown | N/A | xxx | .00 | xxx | 41.23 | No | 78.09 | N/A | xxx | xxx | xxx | xxx | 1 |
| 709424 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 8.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 10.78% | 10.78% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 276 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified - ["2025","2026"] | Borrower - ["2025","2026"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 43.62 | No | 69.72 | Yes | xxx | xxx | xxx | xxx | 1 |
| 296228 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx |  | Monthly | 0.00% | 47.83% | 47.83% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | Yes |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Other, Other - Award Letter Verified - ["2025"] | Borrower - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 25.12 | No | 59.97 | N/A | xxx |  |  | xxx | 1 |
| 739422 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.94% | 40.94% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2026"] \|\| Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified - ["2025","2026"] \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 5.84 | No | 60.19 | N/A | xxx | xxx | xxx | xxx | 1 |
| 793109 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 8.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 33.27% | 33.27% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 1 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Wage, Military and Government Assistance, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Executed 4506T Verified, IRS Transcripts Verified - ["2024","2025","2026"] \|\| Co Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Executed 4506T Verified, IRS Transcripts Verified - ["2024","2025","2026"] | Borrower - 2 YRS Personal Tax Returns Verified, Executed 4506T Verified, IRS Transcripts Verified - ["2024","2025","2026"] \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, Executed 4506T Verified, IRS Transcripts Verified - ["2024","2025","2026"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 3.41 | xxx | 39.01 | No | 79.81 | N/A | xxx |  |  | xxx | 1 |
| 221865 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.95% | 39.95% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 61 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor, SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2025"] | Borrower - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 35.71 | No | 69.92 | N/A | xxx | xxx | xxx | xxx | 1 |
| 806181 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 8.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 35.46% | 35.46% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 1YR 1099 Only | 1 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified - ["2024"] \|\| Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified - ["2024"] \|\| Co Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | No | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 41.94 | No | 79.76 | N/A | xxx | xxx | xxx | xxx | 1 |
| 940720 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 39.37% | 39.37% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - ["2025"] | Borrower - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 28.74 | No | 38.55 | N/A | xxx | xxx | xxx | xxx | 1 |
| 496915 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 37.63% | 37.63% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2026","2025"] | Borrower - ["2026","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 9.00 | xxx | 9.28 | No | 27.15 | N/A | xxx | xxx | xxx | xxx | 1 |
| 967405 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.92% | 38.92% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 25 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2025"] | Borrower - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 37.61 | No | 57.92 | N/A | xxx | xxx | xxx | xxx | 1 |
| 234886 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 9.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 40.45% | 40.45% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2026"] | Borrower - ["2025","2026"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 58.5 | No | 50.77 | N/A | xxx | xxx | xxx | xxx | 1 |
| 552952 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.01% | 42.01% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified - ["2024","2025","2026"] \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified - ["2024","2025","2026"] | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025","2026"] \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2024","2025","2026"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 20.42 | No | 40.6 | N/A | xxx |  |  | xxx | 1 |
| 161532 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | Yes | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 8.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 37.29% | 37.29% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 48 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2026"] | Borrower - ["2025","2026"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 65.29 | No | 69.95 | N/A | xxx | xxx | xxx | xxx | 1 |
| 274859 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 8.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 41.09% | 41.09% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 96 | Yes | 96 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2026","2025"] \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2026","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2026","2025"] \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2026","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 49.64 | No | 69.99 | N/A | xxx | xxx | xxx | xxx | 1 |
| 900366 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 11.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.189 | 1.229 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Passport |  | xxx | xxx | xxx | xxx | xxx | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 32.17 | No | 69.83 | N/A | xxx | xxx | xxx | xxx | 4 |
| 325920 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 10.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 32.79% | 32.79% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 19 | 19 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2026","2025","2024"] | Borrower - 2 YRS Executed 4506T Verified - ["2026","2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 30.65 | No | 72.89 | N/A | xxx |  |  | xxx | 1 |
| 626090 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 11.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.61% | 41.61% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified - ["2024","2025","2026"] \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified - ["2024","2025","2026"] | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025","2026"] \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2024","2025","2026"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 21.4 | No | 79.81 | N/A | xxx | xxx | xxx | xxx | 1 |
| 479791 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 41.28% | 41.28% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 11 | 11 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025","2026"] | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025","2026"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 22.77 | No | 64.97 | N/A | xxx | xxx | xxx | xxx | 1 |
| 276116 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 9.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 44.02% | 44.02% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 2YR Full Doc | 0 | 2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 2 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 177 | 35 | FNMA 1005 | No | 0 |  | N/A | Borrower - SESoleProprietor - 2 YRS Business Tax Returns Verified - ["2023","2024"] \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified - ["2023","2025","2024"] | Borrower - 2 YRS Business Tax Returns Verified - ["2023","2024"] \|\| Co Borrower - ["2023","2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 2 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 17.74 | No | 54.61 | N/A | xxx | xxx | xxx | xxx | 1 |
| 618928 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.80% | 44.80% | No | No |  |  |  |  |  |  | Not Employed | Not Employed |  |  |  |  | 2YR Full Doc | 1 | 1 | NA | NA | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 3 | 0 | Yes | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SSI and Disability, Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, Award Letter Verified, 1040 Schedule E Verified - ["2025","2024"] \|\| Co Borrower - SSI and Disability - 2 YRS Personal Tax Returns Verified, 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, Award Letter Verified, 1040 Schedule E Verified - ["2025","2024"] | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1040 Schedule E Verified - ["2025","2024"] \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1040 Schedule E Verified - ["2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 12.33 | No | 65.65 | N/A | xxx | xxx | xxx | xxx | 4 |
| 969847 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 21.88% | 21.88% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 138 | 26 | Work Number | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Commission, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2026","2025","2024"] \|\| Co Borrower - N/A - 3 YRS Executed 4506T Verified - ["2026","2025","2024"] | Borrower - 3 YRS Executed 4506T Verified - ["2026","2025","2024"] \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2026","2025","2024"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Passport |  | xxx | xxx | xxx | xxx | xxx | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 68.24 | No | 61.53 | N/A | xxx | xxx | xxx | xxx | 1 |
| 255772 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 9.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.35% | 43.35% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Retirement, SSI and Disability - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Award Letter Verified - ["2025","2024","2023"] | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025","2024","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 45.63 | No | 48.39 | N/A | xxx | xxx | xxx | xxx | 1 |
| 560391 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 7.21% | 7.21% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | N/A | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | No | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 6.08 | No | 74.56 | N/A | xxx | xxx | xxx | xxx | 1 |
| 992392 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 11.92% | 11.92% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2025"] | Borrower - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 26.57 | No | 49.17 | N/A | xxx | xxx | xxx | xxx | 1 |
| 276146 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 35.45% | 35.45% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 114 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2026","2025"] | Borrower - 3 YRS Executed 4506T Verified - ["2026","2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | No | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 10.24 | No | 61.31 | N/A | xxx | xxx | xxx | xxx | 1 |
| 851689 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.990% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 38.52% | 38.52% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 1YR Full Doc | 1 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified - ["2025","2026"] \|\| Co Borrower - N/A - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified - ["2025","2026"] \|\| Co Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 0.16 | No | 56.69 | N/A | xxx | xxx | xxx | xxx | 1 |
| 260681 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 12.24% | 12.24% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2025","2026"] | Borrower - ["2025","2026"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 48.36 | No | 79.66 | N/A | xxx | xxx | xxx | xxx | 1 |
| 950933 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 9.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.185 | 1.185 |  | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | 49.32 | xxx | 82.11 | No | 66.52 | N/A | xxx | xxx | xxx | xxx | 1 |
| 438807 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 9.990% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.38% | 41.38% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 60 | 25 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime, Wage, Overtime, Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified - ["2024","2025","2026"] | Borrower - ["2024","2025","2026"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 13.72 | No | 84.94 | N/A | xxx | xxx | xxx | xxx | 1 |
| 359695 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 34.18% | 34.18% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime, Retirement - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025","2026"] | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025","2026"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 0 | No | 74.39 | N/A | xxx |  |  | xxx | 1 |
| 993921 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 32.31% | 32.31% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 58 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2025"] | Borrower - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 31.77 | No | 79.46 | N/A | xxx | xxx | xxx | xxx | 1 |
| 864106 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 48.95% | 48.95% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2025","2026"] \|\| Co Borrower | Borrower - ["2025","2026"] \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 62.89 | No | 68.84 | N/A | xxx | xxx | xxx | xxx | 1 |
| 475674 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 25.44% | 25.44% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025","2026"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025","2026"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 8.89 | No | 64.08 | N/A | xxx | xxx | xxx | xxx | 1 |
| 508279 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 10.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.77% | 41.77% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 194 | 24 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025","2026","2023"] | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025","2026","2023"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 0 | No | 66.66 | N/A | xxx | xxx | xxx | xxx | 1 |
| 916896 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.52% | 40.52% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 240 | 240 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2024","2025","2026"] | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025","2026"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 14.68 | No | 73.74 | N/A | xxx | xxx | xxx | xxx | 1 |
| 780074 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 24.04% | 24.04% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 13 | CPA |  |  |  | Yes | 180 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor, SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2026"] | Borrower - ["2025","2026"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 64.28 | No | 51.55 | N/A | xxx | xxx | xxx | xxx | 1 |
| 689188 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 8.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.16 | 1.121 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 32.12 | No | 66.55 | N/A | xxx | xxx | xxx | xxx | 4 |
| 744014 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 8.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.15% | 49.15% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2025","2026"] | Borrower - ["2025","2026"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 62.92 | No | 69.56 | N/A | xxx | xxx | xxx | xxx | 1 |
| 624668 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 8.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.13% | 43.13% | No | No | 1 |  | 5 |  | 3 |  | Employed | Employed | Employed |  | 7.91 |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified - ["2024","2025","2026"] \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified - ["2024","2025","2026"] \|\| Co Borrower 2 - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified - ["2024","2025","2026"] | Borrower - ["2024","2025","2026"] \|\| Co Borrower - ["2024","2025","2026"] \|\| Co Borrower 2 - ["2024","2025","2026"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 21.25 | No | 64.98 | N/A | xxx | xxx | xxx | xxx | 1 |
| 727017 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 12.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 47.71% | 47.71% | No | No |  |  |  |  |  |  | Not Employed | Not Employed |  |  |  |  | Full Documentation | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | Yes | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SSI and Disability - 2 YRS Executed 4506T Verified, Award Letter Verified - ["2026"] \|\| Co Borrower - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified - ["2026"] \|\| Co Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | xxx | xxx | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 0.05 | No | 81.03 | N/A | xxx | xxx | xxx | xxx | 1 |
| 507349 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 12.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 7.27% | 7.27% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | N/A | 0 | 12 | No |  |  |  | 100.00% | 85.97% |  |  | N/A | 0 | N/A |  |  |  | Yes | 73 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, SEPartnership - CPA Letter Verified, Business Bank Statements Verified - ["2025"] | Borrower - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 17.27 | No | 77.61 | N/A | xxx | xxx | xxx | xxx | 1 |
| 737218 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternative ATR Documentation | xxx | xxx | xxx |  | No AUS | No | xxx |  | 7.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 38.76% | 38.76% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2025"] | Borrower - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 26.25 | No | 42.40 | N/A | xxx | xxx | xxx | xxx | 1 |
| 499424 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  | No AUS | No |  |  | 8.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 31.68% | 31.68% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 99.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2025"] | Borrower - ["2025"] | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | .00 | xxx | 0 | No | 17.83 | N/A | xxx |  |  | xxx | 1 |

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## Exhibit 99.1

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.1 - Schedule 5**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Investor Loan ID** | **Seller Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| 666412 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Retired | Retired | No | No | No |  |
| 954827 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 425490 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Not Employed | Not Employed | No | No | No |  |
| 384511 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 407419 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 662015 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx |  |  |  | No |  | Yes | Present |
| 431948 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 162889 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 734089 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 116618 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 799471 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 278662 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx | N/A | Employed | Employed | No | No | Yes | Present |
| 227077 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 284753 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 885392 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 596444 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 499589 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 540293 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 783809 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx |  |  |  | No |  | Yes | Present |
| 249230 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 221534 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Retired |  | No |  | No |  |
| 583579 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | N/A | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Retired |  | No |  | No |  |
| 620500 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 308990 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx |  |  |  | No |  | Yes | Present |
| 701724 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 582888 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 843378 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 487698 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 537402 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 992003 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 739369 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 224657 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 343032 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 172049 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 118490 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 236515 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 385296 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Retired |  | No |  | No |  |
| 355684 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 785436 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Retired | Retired | No | No | No |  |
| 566623 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 965852 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 593679 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx |  |  |  | No |  | Yes | Present |
| 327583 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx |  |  |  | No |  | Yes | Present |
| 353658 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 330626 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx |  |  |  | No |  | Yes | Present |
| 637679 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Unknown | No | No | No |  |
| 736932 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 283093 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx | N/A | Employed | Not Employed | No | No | Yes | Present |
| 946207 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | N/A |  | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 362457 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 444018 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 947077 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 114129 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 172162 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 779598 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 637603 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 168093 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 967784 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 621492 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx |  |  |  | No |  | Yes | Present |
| 952028 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 308097 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 574615 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 690352 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 208112 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx |  |  |  | No | No | Yes | Present |
| 635945 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 621023 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | N/A | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 707198 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 837680 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 488186 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Retired | Retired | No | No | No |  |
| 586898 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | N/A | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 601725 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | N/A |  | 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 | xxx | N/A | Employed | Employed | No | No | Yes | Present |
| 609257 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 866013 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 880251 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 986161 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Not Employed | Not Employed | No | No | No |  |
| 474879 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 845038 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 816016 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 800465 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 262812 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | N/A |  | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 200656 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx |  |  |  | No |  | Yes | Present |
| 515373 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | Yes | Employed |  | No |  | No |  |
| 908207 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx |  |  |  | No |  | Yes | Present |
| 838198 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed | Employed | No | No | No |  |
| 924753 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 337862 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 744004 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 808230 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 796954 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | N/A |  | No |  | No | No | No | No | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed | Not Employed | No | No | Yes | Present |
| 607942 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 982124 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 840427 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 858651 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx |  |  |  | No |  | Yes | Present |
| 904355 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 541279 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 504727 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Not Employed | Not Employed | No | No | No |  |
| 966395 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Not Employed | Employed | No | No | No |  |
| 602830 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Not Employed | Employed | No | No | No |  |
| 308673 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Retired | Employed | No | No | No |  |
| 911283 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 315356 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 399686 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 808497 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 453390 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 540535 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 354335 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 237572 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 636493 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 821276 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 707577 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 466061 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx |  |  |  | No |  | Yes | Present |
| 451196 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 936817 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 875291 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 655904 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 991832 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 380013 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 474829 |  |  | xxx | 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 | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 306311 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 967635 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 597090 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 496248 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx |  |  |  | No |  | Yes | Present |
| 638477 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Retired | Employed | No | No | No |  |
| 443690 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | Yes | Employed |  | No |  | No |  |
| 173768 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 996210 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | N/A |  | No |  | No | No | No | No | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 986442 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx |  |  |  | No |  | Yes | Present |
| 219475 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 526913 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 634429 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 587020 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Retired | No | No | No |  |
| 209264 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Not Employed | Employed | No | No | No |  |
| 240306 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 430407 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | N/A | N/A | Yes | Yes | Yes | Yes | Yes | N/A | N/A | xxx | N/A | Not Employed | Employed | No | No | No |  |
| 868572 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | N/A | N/A | N/A | N/A | N/A | Yes | Yes | N/A | N/A | N/A | xxx | N/A | Retired |  | No |  | No |  |
| 313197 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 735807 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Retired |  | No |  | No |  |
| 916801 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 245711 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 540847 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 741520 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 765894 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 151096 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 777557 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 901312 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Unknown | Employed | No | No | No |  |
| 972249 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | N/A | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 520670 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Retired |  | No |  | No |  |
| 677309 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 491559 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx |  |  |  | No | No | Yes | Present |
| 126041 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | N/A | Yes | N/A | Yes | N/A | N/A | N/A | Yes | N/A | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 167434 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 507653 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx |  |  |  | No |  | Yes | Present |
| 956384 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 554632 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 997841 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 234225 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | N/A |  | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 875719 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx | N/A | Retired |  | No |  | Yes | Present |
| 762536 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 345946 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 823671 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 750348 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 449930 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | Yes | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 535051 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 602518 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx |  |  |  | No |  | Yes | Present |
| 521836 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 330744 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 935612 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 382674 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Retired | Employed | No | No | No |  |
| 441294 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 776615 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 201111 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 872872 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 669324 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 557894 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Retired |  | No |  | No |  |
| 378985 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 378637 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 389165 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 266020 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 144900 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 155647 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx |  |  |  | No |  | Yes | Present |
| 347264 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 926207 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 266438 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx |  |  |  | No |  | Yes | Present |
| 816160 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx |  |  |  | No |  | Yes | Present |
| 405452 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 221567 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | N/A | Yes | N/A | Yes | Yes | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 689181 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 493262 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx |  |  |  | No | No | Yes | Present |
| 466376 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 146142 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 605022 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 418799 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | N/A | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 995763 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 416762 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx |  |  |  | No |  | Yes | Present |
| 274984 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx |  |  |  | No |  | Yes | Present |
| 200602 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Unknown | No | No | No |  |
| 476109 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 924744 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 886071 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 578249 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Not Employed | Not Employed | No | No | No |  |
| 381671 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 831193 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 744418 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 129038 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 280654 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 616061 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 373766 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | N/A |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 238910 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | N/A |  | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 335207 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 460239 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 668515 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | Yes | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 964939 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 222279 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | Yes | Employed |  | No |  | No |  |
| 372484 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 162767 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 603220 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 568169 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 494122 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 419524 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 945065 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 583406 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 428195 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 445386 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 808685 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 177338 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx | N/A | Not Employed | Employed | No | No | Yes | Present |
| 931670 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 220306 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Retired | Retired | No | No | No |  |
| 843306 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | Yes | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 139297 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | N/A | N/A | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 503460 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 498999 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx |  |  |  | No |  | Yes | Present |
| 861599 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx |  |  |  | No | No | Yes | Present |
| 836731 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 545012 |  |  | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 836064 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 208046 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 987717 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Not Employed |  | No |  | No |  |
| 710247 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 309347 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 566823 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 520136 |  |  | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 118411 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | N/A |  | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 505521 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 424871 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx |  |  |  | No |  | Yes | Present |
| 737944 |  |  | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 720878 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 848857 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 263688 |  |  | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 950760 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 762245 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 889087 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 473928 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 375178 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx | N/A | Employed | Not Employed | No | No | Yes | Present |
| 589365 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx |  |  |  | No |  | Yes | Present |
| 204203 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 316769 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 923179 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 150727 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 590613 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | N/A |  | No |  | No | No | No | No | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 186210 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 319692 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 500989 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 178200 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 256891 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | N/A | Yes | N/A | Yes | N/A | N/A | N/A | Yes | N/A | N/A | xxx | N/A | Retired | Employed | No | No | No |  |
| 767502 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 340071 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 506218 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Retired |  | No |  | No |  |
| 614230 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 368144 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Unknown | Employed | No | No | No |  |
| 936032 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | N/A |  | 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 | xxx | N/A | Employed | Employed | No | No | Yes | Present |
| 351821 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 339970 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Retired | Employed | No | No | No |  |
| 623136 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx |  |  |  | No |  | Yes | Present |
| 898049 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | No | xxx | N/A | Employed |  | No |  | No |  |
| 671657 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Retired | No | No | No |  |
| 842468 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 202845 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 176350 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Not Employed | Employed | No | No | No |  |
| 304060 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 611348 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 504089 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | N/A |  | No |  | No | No | No | No | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 440592 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | N/A | Yes | N/A | xxx | N/A | Unknown |  | No |  | No |  |
| 297938 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 691099 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 514865 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 835883 |  |  | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 157326 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | N/A | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Retired | Retired | No | No | No |  |
| 427039 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Retired |  | No |  | No |  |
| 250055 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 289828 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 460884 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Not Tested | No | No | No | No | No | No | No | No | No | N/A |  | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Retired | Retired | No | No | No |  |
| 446888 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 531779 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Not Employed | Employed | No | No | No |  |
| 476038 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 157072 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 222628 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | N/A | N/A | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 974533 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | N/A |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | Yes | N/A | Yes | N/A | Yes | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 898791 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx |  |  |  | No |  | Yes | Present |
| 300554 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 791920 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 145463 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx |  |  |  | No |  | Yes | Present |
| 925136 |  |  | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 114988 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 775875 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 607594 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 888911 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 785980 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 895476 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 465350 |  |  | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 351004 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx |  |  |  | No |  | Yes | Present |
| 472905 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx |  |  |  | No | No | Yes | Present |
| 496438 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx |  |  |  | No |  | Yes | Present |
| 774056 |  |  | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 853793 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 963571 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 548067 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 885252 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Retired | Retired | No | No | No |  |
| 308023 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | N/A | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 262230 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 306256 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 491038 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 587961 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 504106 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx |  |  |  | No |  | Yes | Present |
| 933272 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx |  |  |  | No |  | Yes | Present |
| 455365 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 365260 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Retired | No | No | No |  |
| 716432 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 752059 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 763641 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 714441 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 619875 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | N/A | N/A | N/A | Yes | Yes | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 210119 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx |  |  |  | No |  | Yes | Present |
| 684669 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Not Employed | Employed | No | No | No |  |
| 885026 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 298435 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx |  |  |  | No | No | Yes | Present |
| 614687 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 811571 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 727051 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 334150 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx |  |  |  | No | No | Yes | Present |
| 505355 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 653226 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | N/A |  | Yes |  | No | No | No | No | No | No | No |  |  |  | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | Yes | Present |
| 193578 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 114271 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 286632 |  |  | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Not Employed | Employed | No | No | No |  |
| 238981 |  |  | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 177640 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx |  |  |  | No | No | Yes | Present |
| 841991 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 475102 |  |  | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 401993 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 811840 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 301234 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 144055 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 803032 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 490728 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 322307 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 393687 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 572506 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx |  |  |  | No |  | Yes | Present |
| 909952 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 829805 |  |  | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 546619 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 252131 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 524375 |  |  | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 160348 |  |  | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 797250 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 926444 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 339880 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 821036 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 115087 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 790735 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 200972 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx |  |  |  | No |  | Yes | Present |
| 500097 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 704739 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Unknown | No | No | No |  |
| 562860 |  |  | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 682901 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 502465 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed | Employed | No | No | No |  |
| 994911 |  |  | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 992289 |  |  | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 226189 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 991879 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Not Employed |  | No |  | No |  |
| 901396 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 804565 |  |  | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 391468 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | N/A | Yes | N/A | xxx | N/A | Retired | Employed | No | No | No |  |
| 277299 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed | Employed | No | No | No |  |
| 823026 |  |  | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 477679 |  |  | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 167998 |  |  | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 899364 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 263216 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 669174 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 205605 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx |  |  |  | No | No | Yes | Present |
| 484279 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 273104 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | N/A | Yes | N/A | Yes | Yes | Yes | Yes | Yes | N/A | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 772680 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 546245 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 559831 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx |  |  |  | No | No | Yes | Present |
| 661423 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx | N/A | Employed | Not Employed | No | No | Yes | Present |
| 564779 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 210466 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 268004 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 584409 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx |  |  |  | No |  | Yes | Present |
| 212107 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 973789 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 806240 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 425338 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 226240 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 427887 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 166120 |  |  | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 472143 |  |  | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 850767 |  |  | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 613998 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 483317 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 256862 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx | N/A | Employed | Employed | No | No | Yes | Present |
| 811205 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 845591 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 230730 |  |  | xxx | 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 | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 150819 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx |  |  |  | No |  | Yes | Present |
| 765816 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 600035 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 956835 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 301464 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 745055 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 470702 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 401352 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 342532 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 716715 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | N/A | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 881197 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 659024 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 469758 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 274229 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 592397 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 691687 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 977311 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 291535 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 668046 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 976207 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx |  |  |  | No |  | Yes | Present |
| 982017 |  |  | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 925095 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 749921 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 855369 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 918807 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 305216 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 654925 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 936213 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 425512 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 583580 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx |  |  |  | No |  | Yes | Present |
| 709424 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | Yes | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 296228 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Retired |  | No |  | No |  |
| 739422 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 793109 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx | N/A | Employed | Employed | No | No | Yes | Present |
| 221865 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 806181 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx | N/A | Employed | Not Employed | No | No | Yes | Present |
| 940720 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | N/A |  | No |  | No | No | No | No | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | Yes | Yes | N/A | Yes | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 496915 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 967405 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 234886 |  |  | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 552952 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 161532 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | N/A |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | Yes | Yes | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |
| 274859 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx | N/A | Employed | Employed | No | No | Yes | Present |
| 900366 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx |  |  |  | No |  | Yes | Present |
| 325920 |  |  | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 626090 |  |  | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 479791 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 276116 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 618928 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Not Employed | Not Employed | No | No | No |  |
| 969847 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | Yes | No | No | No | xxx | xxx | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 255772 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Retired |  | No |  | No |  |
| 560391 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 992392 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 276146 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 851689 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 260681 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 950933 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx |  |  |  | No |  | Yes | Present |
| 438807 |  |  | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 359695 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 993921 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 864106 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 475674 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 508279 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 916896 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 780074 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 689188 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx |  |  |  | No |  | Yes | Present |
| 744014 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | N/A |  | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 624668 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 727017 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Not Employed | Not Employed | No | No | No |  |
| 507349 |  |  | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 737218 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Alternative ATR Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 499424 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | N/A |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | xxx | N/A | Employed |  | No |  | Yes | Present |

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## Exhibit 99.1

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.1 - Schedule 6**

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** |
| 806181 |  |  | Amount of Other Lien | xxx | xxx |
| 276146 |  |  | Amount of Other Lien | xxx | xxx |
| 737944 |  |  | Application Date | xxx | xxx |
| 526913 |  |  | Business Purpose Flag | Yes | No |
| 823671 |  |  | Business Purpose Flag | Yes | No |
| 504089 |  |  | Business Purpose Flag | Yes | No |
| 974533 |  |  | Business Purpose Flag | Yes | No |
| 855369 |  |  | Business Purpose Flag | Yes | No |
| 499424 |  |  | Business Purpose Flag | Yes | No |
| 662015 |  |  | Escrow Flag | Yes | N |
| 806181 |  |  | Number of Mortgaged Properties | 3 | 0.0 |
| 560391 |  |  | Number of Mortgaged Properties | 1 | 0.0 |
| 230730 |  |  | Occupancy | Second Home | Primary Residence |
| 596444 |  |  | Other Lien Type | Closed End | false |
| 583579 |  |  | Other Lien Type | Closed End | false |
| 487698 |  |  | Other Lien Type | Closed End | false |
| 537402 |  |  | Other Lien Type | Closed End | false |
| 354335 |  |  | Other Lien Type | Closed End - Fixed | false |
| 821276 |  |  | Other Lien Type | Closed End - Fixed | false |
| 597090 |  |  | Other Lien Type | Closed End | false |
| 638477 |  |  | Other Lien Type | Closed End | false |
| 503460 |  |  | Other Lien Type | Closed End | false |
| 987717 |  |  | Other Lien Type | Closed End | false |
| 737944 |  |  | Other Lien Type | Closed End | false |
| 889087 |  |  | Other Lien Type | Closed End | false |
| 619875 |  |  | Other Lien Type | Closed End | false |
| 546619 |  |  | Other Lien Type | Closed End | false |
| 212107 |  |  | Other Lien Type | Closed End | false |
| 296228 |  |  | Other Lien Type | Closed End | false |
| 552952 |  |  | Other Lien Type | Closed End | false |
| 334150 |  |  | Prepayment Penalty | Yes | No |
| 466061 |  |  | Prepayment Penalty Calculation | 6 Months Interest | 3% |
| 322307 |  |  | Primary Appraised Property Value | xxx | xxx |
| 946207 |  |  | Property Attachment Type | Detached | PUD |
| 325920 |  |  | Property Attachment Type | Detached | PUD |
| 954827 |  |  | Property Type | Two to Four Unit | Single Family Detached |
| 330626 |  |  | Property Type | Two to Four Unit | Single Family Detached |
| 283093 |  |  | Property Type | Single Family Attached | Single Family Detached |
| 621492 |  |  | Property Type | Two to Four Unit | Single Family Detached |
| 952028 |  |  | Property Type | Single Family Attached | Two to Four Unit |
| 574615 |  |  | Property Type | Two to Four Unit | Single Family Detached |
| 880251 |  |  | Property Type | Townhouse | PUD |
| 858651 |  |  | Property Type | Two to Four Unit | Detached |
| 496248 |  |  | Property Type | Two to Four Unit | Single Family Detached |
| 520670 |  |  | Property Type | PUD | Single Family Detached |
| 997841 |  |  | Property Type | Two to Four Unit | Single Family Detached |
| 602518 |  |  | Property Type | Two to Four Unit | Detached |
| 416762 |  |  | Property Type | Two to Four Unit | Single Family Detached |
| 274984 |  |  | Property Type | Two to Four Unit | Single Family Detached |
| 200602 |  |  | Property Type | Two to Four Unit | Single Family Detached |
| 139297 |  |  | Property Type | Two to Four Unit | Single Family Detached |
| 498999 |  |  | Property Type | Two to Four Unit | Single Family Detached |
| 861599 |  |  | Property Type | Two to Four Unit | Detached |
| 473928 |  |  | Property Type | Two to Four Unit | Single Family Detached |
| 623136 |  |  | Property Type | Two to Four Unit | Single Family Detached |
| 304060 |  |  | Property Type | Two to Four Unit | Single Family Detached |
| 476038 |  |  | Property Type | Single Family Attached | Single Family Detached |
| 504106 |  |  | Property Type | Two to Four Unit | Detached |
| 455365 |  |  | Property Type | Two to Four Unit | Single Family Detached |
| 210119 |  |  | Property Type | Two to Four Unit | Single Family Detached |
| 298435 |  |  | Property Type | Two to Four Unit | Single Family Detached |
| 334150 |  |  | Property Type | Single Family Detached | PUD |
| 144055 |  |  | Property Type | Single Family Detached | Single Family Attached |
| 790735 |  |  | Property Type | Townhouse | PUD |
| 500097 |  |  | Property Type | PUD | Single Family Detached |
| 263216 |  |  | Property Type | Two to Four Unit | Single Family Detached |
| 268004 |  |  | Property Type | Two to Four Unit | Detached |
| 765816 |  |  | Property Type | Two to Four Unit | Single Family Detached |
| 793109 |  |  | Property Type | Single Family Attached | Single Family Detached |
| 900366 |  |  | Property Type | Two to Four Unit | Single Family Detached |
| 689188 |  |  | Property Type | Two to Four Unit | Single Family Detached |
| 662015 |  |  | Qualifying CLTV | 73.11 | 80.00 |
| 946207 |  |  | Qualifying CLTV | 78.07 | 37.04 |
| 636493 |  |  | Qualifying CLTV | 81.41 | 75.46 |
| 418799 |  |  | Qualifying CLTV | 43.22 | 45.52 |
| 720878 |  |  | Qualifying CLTV | 43.69 | 79.899 |
| 898791 |  |  | Qualifying CLTV | 58.06 | 62.18 |
| 322307 |  |  | Qualifying CLTV | 54.28 | 49.81 |
| 926444 |  |  | Qualifying CLTV | 74.86 | 28.99 |
| 806240 |  |  | Qualifying CLTV | 74.84 | 40.08 |
| 256862 |  |  | Qualifying CLTV | 57.95 | 67.22 |
| 845591 |  |  | Qualifying CLTV | 79.9 | 16.49 |
| 936213 |  |  | Qualifying CLTV | 61.97 | 21.55 |
| 325920 |  |  | Qualifying CLTV | 72.89 | 21.24 |
| 950933 |  |  | Qualifying CLTV | 66.52 | 16.28 |
| 507349 |  |  | Qualifying CLTV | 77.61 | 85.00 |
| 666412 |  |  | Qualifying FICO | xxx | xxx |
| 954827 |  |  | Qualifying FICO | xxx | xxx |
| 785436 |  |  | Qualifying FICO | xxx | xxx |
| 566623 |  |  | Qualifying FICO | xxx | xxx |
| 986161 |  |  | Qualifying FICO | xxx | xxx |
| 541279 |  |  | Qualifying FICO | xxx | xxx |
| 504727 |  |  | Qualifying FICO | xxx | xxx |
| 966395 |  |  | Qualifying FICO | xxx | xxx |
| 602830 |  |  | Qualifying FICO | xxx | xxx |
| 540535 |  |  | Qualifying FICO | xxx | xxx |
| 430407 |  |  | Qualifying FICO | xxx | xxx |
| 245711 |  |  | Qualifying FICO | xxx | xxx |
| 491559 |  |  | Qualifying FICO | xxx | xxx |
| 935612 |  |  | Qualifying FICO | xxx | xxx |
| 378985 |  |  | Qualifying FICO | xxx | xxx |
| 603220 |  |  | Qualifying FICO | xxx | xxx |
| 520136 |  |  | Qualifying FICO | xxx | xxx |
| 118411 |  |  | Qualifying FICO | xxx | xxx |
| 157326 |  |  | Qualifying FICO | xxx | xxx |
| 791920 |  |  | Qualifying FICO | xxx | xxx |
| 334150 |  |  | Qualifying FICO | xxx | xxx |
| 114271 |  |  | Qualifying FICO | xxx | xxx |
| 286632 |  |  | Qualifying FICO | xxx | xxx |
| 841991 |  |  | Qualifying FICO | xxx | xxx |
| 475102 |  |  | Qualifying FICO | xxx | xxx |
| 992289 |  |  | Qualifying FICO | xxx | xxx |
| 901396 |  |  | Qualifying FICO | xxx | xxx |
| 391468 |  |  | Qualifying FICO | xxx | xxx |
| 277299 |  |  | Qualifying FICO | xxx | xxx |
| 806240 |  |  | Qualifying FICO | xxx | xxx |
| 166120 |  |  | Qualifying FICO | xxx | xxx |
| 470702 |  |  | Qualifying FICO | xxx | xxx |
| 716715 |  |  | Qualifying FICO | xxx | xxx |
| 881197 |  |  | Qualifying FICO | xxx | xxx |
| 689188 |  |  | Qualifying FICO | xxx | xxx |
| 425490 |  |  | Qualifying Total Debt Income Ratio | 37.24 | 17.90 |
| 407419 |  |  | Qualifying Total Debt Income Ratio | 44.45 | 25.53 |
| 162889 |  |  | Qualifying Total Debt Income Ratio | 25.97 | 28.554 |
| 734089 |  |  | Qualifying Total Debt Income Ratio | 17.44 | 10.65 |
| 799471 |  |  | Qualifying Total Debt Income Ratio | 48.47 | 46.95 |
| 284753 |  |  | Qualifying Total Debt Income Ratio | 40.74 | 20.69 |
| 885392 |  |  | Qualifying Total Debt Income Ratio | 48.2 | 37.86 |
| 249230 |  |  | Qualifying Total Debt Income Ratio | 30.62 | 21.03 |
| 221534 |  |  | Qualifying Total Debt Income Ratio | 40.87 | 34.25 |
| 620500 |  |  | Qualifying Total Debt Income Ratio | 41.84 | 23.08 |
| 118490 |  |  | Qualifying Total Debt Income Ratio | 42.24 | 27.21 |
| 236515 |  |  | Qualifying Total Debt Income Ratio | 29.01 | 27.05 |
| 385296 |  |  | Qualifying Total Debt Income Ratio | 42.69 | 33.18 |
| 355684 |  |  | Qualifying Total Debt Income Ratio | 38.63 | 34.90 |
| 785436 |  |  | Qualifying Total Debt Income Ratio | 46.38 | 24.53 |
| 965852 |  |  | Qualifying Total Debt Income Ratio | 31.4 | 14.07 |
| 946207 |  |  | Qualifying Total Debt Income Ratio | 45.83 | 32.06 |
| 114129 |  |  | Qualifying Total Debt Income Ratio | 33.87 | 17.02 |
| 172162 |  |  | Qualifying Total Debt Income Ratio | 42.77 | 24.42 |
| 637603 |  |  | Qualifying Total Debt Income Ratio | 40.95 | 19.08 |
| 586898 |  |  | Qualifying Total Debt Income Ratio | 45 | 42.89 |
| 601725 |  |  | Qualifying Total Debt Income Ratio | 48.54 | 14.29 |
| 609257 |  |  | Qualifying Total Debt Income Ratio | 43.4 | 37.47 |
| 866013 |  |  | Qualifying Total Debt Income Ratio | 41.8 | 27.19 |
| 880251 |  |  | Qualifying Total Debt Income Ratio | 44.13 | 23.01 |
| 474879 |  |  | Qualifying Total Debt Income Ratio | 36.9 | 26.34 |
| 845038 |  |  | Qualifying Total Debt Income Ratio | 39.1 | 10.81 |
| 744004 |  |  | Qualifying Total Debt Income Ratio | 29.67 | 32.42 |
| 904355 |  |  | Qualifying Total Debt Income Ratio | 31.9 | 20.50 |
| 541279 |  |  | Qualifying Total Debt Income Ratio | 42.86 | 17.49 |
| 504727 |  |  | Qualifying Total Debt Income Ratio | 42.61 | 38.79 |
| 966395 |  |  | Qualifying Total Debt Income Ratio | 31.02 | 11.06 |
| 602830 |  |  | Qualifying Total Debt Income Ratio | 44.96 | 28.63 |
| 308673 |  |  | Qualifying Total Debt Income Ratio | 49.68 | 13.11 |
| 911283 |  |  | Qualifying Total Debt Income Ratio | 40.08 | 23.16 |
| 399686 |  |  | Qualifying Total Debt Income Ratio | 43.72 | 38.79 |
| 875291 |  |  | Qualifying Total Debt Income Ratio | 33.61 | 31.36 |
| 991832 |  |  | Qualifying Total Debt Income Ratio | 31.66 | 28.69 |
| 634429 |  |  | Qualifying Total Debt Income Ratio | 33.75 | 21.13 |
| 587020 |  |  | Qualifying Total Debt Income Ratio | 43.41 | 23.10 |
| 209264 |  |  | Qualifying Total Debt Income Ratio | 41.93 | 30.19 |
| 240306 |  |  | Qualifying Total Debt Income Ratio | 44.97 | 23.62 |
| 430407 |  |  | Qualifying Total Debt Income Ratio | 26.84 | 7.33 |
| 868572 |  |  | Qualifying Total Debt Income Ratio | 44.2 | 30.24 |
| 313197 |  |  | Qualifying Total Debt Income Ratio | 45.11 | 30.95 |
| 735807 |  |  | Qualifying Total Debt Income Ratio | 39.85 | 32.19 |
| 916801 |  |  | Qualifying Total Debt Income Ratio | 35.35 | 29.35 |
| 245711 |  |  | Qualifying Total Debt Income Ratio | 42.69 | 21.60 |
| 540847 |  |  | Qualifying Total Debt Income Ratio | 29.62 | 26.46 |
| 765894 |  |  | Qualifying Total Debt Income Ratio | 28.83 | 32.10 |
| 901312 |  |  | Qualifying Total Debt Income Ratio | 44.83 | 25.38 |
| 972249 |  |  | Qualifying Total Debt Income Ratio | 33.28 | 40.05 |
| 520670 |  |  | Qualifying Total Debt Income Ratio | 42.29 | 30.70 |
| 677309 |  |  | Qualifying Total Debt Income Ratio | 37.84 | 31.85 |
| 997841 |  |  | Qualifying Total Debt Income Ratio | 30.24 | 34.85 |
| 330744 |  |  | Qualifying Total Debt Income Ratio | 44.41 | 26.11 |
| 935612 |  |  | Qualifying Total Debt Income Ratio | 23.67 | 19.81 |
| 382674 |  |  | Qualifying Total Debt Income Ratio | 41.17 | 30.08 |
| 441294 |  |  | Qualifying Total Debt Income Ratio | 44.48 | 14.50 |
| 776615 |  |  | Qualifying Total Debt Income Ratio | 24.96 | 12.39 |
| 201111 |  |  | Qualifying Total Debt Income Ratio | 31.5 | 25.28 |
| 872872 |  |  | Qualifying Total Debt Income Ratio | 32.63 | 18.52 |
| 669324 |  |  | Qualifying Total Debt Income Ratio | 44.33 | 35.25 |
| 378985 |  |  | Qualifying Total Debt Income Ratio | 49.57 | 31.62 |
| 689181 |  |  | Qualifying Total Debt Income Ratio | 31.16 | 36.54 |
| 418799 |  |  | Qualifying Total Debt Income Ratio | 36.68 | 38.51 |
| 995763 |  |  | Qualifying Total Debt Income Ratio | 32.29 | 34.265 |
| 200602 |  |  | Qualifying Total Debt Income Ratio | 31.71 | 33.010 |
| 924744 |  |  | Qualifying Total Debt Income Ratio | 39.01 | 27.16 |
| 886071 |  |  | Qualifying Total Debt Income Ratio | 40.8 | 36.75 |
| 578249 |  |  | Qualifying Total Debt Income Ratio | 42.28 | 30.55 |
| 831193 |  |  | Qualifying Total Debt Income Ratio | 30.22 | 23.20 |
| 744418 |  |  | Qualifying Total Debt Income Ratio | 45.73 | 39.74 |
| 129038 |  |  | Qualifying Total Debt Income Ratio | 49.9 | 35.51 |
| 238910 |  |  | Qualifying Total Debt Income Ratio | 49.16 | 44.66 |
| 335207 |  |  | Qualifying Total Debt Income Ratio | 47.66 | 44.40 |
| 162767 |  |  | Qualifying Total Debt Income Ratio | 47.38 | 49.79 |
| 603220 |  |  | Qualifying Total Debt Income Ratio | 14.37 | 11.67 |
| 494122 |  |  | Qualifying Total Debt Income Ratio | 28.27 | 26.92 |
| 419524 |  |  | Qualifying Total Debt Income Ratio | 37.42 | 25.34 |
| 945065 |  |  | Qualifying Total Debt Income Ratio | 17.53 | 11.71 |
| 583406 |  |  | Qualifying Total Debt Income Ratio | 29.27 | 27.57 |
| 428195 |  |  | Qualifying Total Debt Income Ratio | 42.34 | 36.66 |
| 445386 |  |  | Qualifying Total Debt Income Ratio | 28.08 | 21.30 |
| 139297 |  |  | Qualifying Total Debt Income Ratio | 42.78 | 44.767 |
| 710247 |  |  | Qualifying Total Debt Income Ratio | 36.35 | 25.21 |
| 309347 |  |  | Qualifying Total Debt Income Ratio | 37.67 | 18.46 |
| 520136 |  |  | Qualifying Total Debt Income Ratio | 41.32 | 18.07 |
| 720878 |  |  | Qualifying Total Debt Income Ratio | 23.94 | 36.704 |
| 848857 |  |  | Qualifying Total Debt Income Ratio | 40.02 | 27.54 |
| 263688 |  |  | Qualifying Total Debt Income Ratio | 41.83 | 26.18 |
| 950760 |  |  | Qualifying Total Debt Income Ratio | 33.63 | 17.36 |
| 319692 |  |  | Qualifying Total Debt Income Ratio | 5.66 | 11.89 |
| 500989 |  |  | Qualifying Total Debt Income Ratio | 46.04 | 48.580 |
| 767502 |  |  | Qualifying Total Debt Income Ratio | 22.19 | 13.92 |
| 440592 |  |  | Qualifying Total Debt Income Ratio | 37.98 | 30.48 |
| 297938 |  |  | Qualifying Total Debt Income Ratio | 37.57 | 35.12 |
| 691099 |  |  | Qualifying Total Debt Income Ratio | 27.68 | 31.44 |
| 514865 |  |  | Qualifying Total Debt Income Ratio | 41.63 | 26.82 |
| 835883 |  |  | Qualifying Total Debt Income Ratio | 25.7 | 17.51 |
| 157326 |  |  | Qualifying Total Debt Income Ratio | 37.99 | 35.06 |
| 427039 |  |  | Qualifying Total Debt Income Ratio | 33.77 | 29.13 |
| 250055 |  |  | Qualifying Total Debt Income Ratio | 42.71 | 19.05 |
| 289828 |  |  | Qualifying Total Debt Income Ratio | 43.96 | 28.81 |
| 460884 |  |  | Qualifying Total Debt Income Ratio | 41.76 | 24.34 |
| 446888 |  |  | Qualifying Total Debt Income Ratio | 44.95 | 29.46 |
| 974533 |  |  | Qualifying Total Debt Income Ratio | 39.38 | 34.21 |
| 791920 |  |  | Qualifying Total Debt Income Ratio | 28.43 | 18.67 |
| 853793 |  |  | Qualifying Total Debt Income Ratio | 40.87 | 34.41 |
| 963571 |  |  | Qualifying Total Debt Income Ratio | 25.85 | 17.44 |
| 548067 |  |  | Qualifying Total Debt Income Ratio | 21.27 | 13.15 |
| 885252 |  |  | Qualifying Total Debt Income Ratio | 43.63 | 35.16 |
| 308023 |  |  | Qualifying Total Debt Income Ratio | 42.46 | 31.52 |
| 262230 |  |  | Qualifying Total Debt Income Ratio | 21.8 | 14.58 |
| 306256 |  |  | Qualifying Total Debt Income Ratio | 34.93 | 26.97 |
| 653226 |  |  | Qualifying Total Debt Income Ratio | 49.29 | 15.90 |
| 193578 |  |  | Qualifying Total Debt Income Ratio | 39.95 | 27.13 |
| 114271 |  |  | Qualifying Total Debt Income Ratio | 30.63 | 17.89 |
| 238981 |  |  | Qualifying Total Debt Income Ratio | 41.78 | 45.00 |
| 841991 |  |  | Qualifying Total Debt Income Ratio | 49.83 | 43.40 |
| 475102 |  |  | Qualifying Total Debt Income Ratio | 41.73 | 18.70 |
| 401993 |  |  | Qualifying Total Debt Income Ratio | 32.36 | 25.92 |
| 115087 |  |  | Qualifying Total Debt Income Ratio | 42.18 | 49.327 |
| 790735 |  |  | Qualifying Total Debt Income Ratio | 42.58 | 44.15 |
| 500097 |  |  | Qualifying Total Debt Income Ratio | 22.11 | 17.18 |
| 704739 |  |  | Qualifying Total Debt Income Ratio | 49.65 | 45.13 |
| 562860 |  |  | Qualifying Total Debt Income Ratio | 13.86 | 9.32 |
| 682901 |  |  | Qualifying Total Debt Income Ratio | 44.91 | 38.21 |
| 502465 |  |  | Qualifying Total Debt Income Ratio | 39.03 | 33.22 |
| 994911 |  |  | Qualifying Total Debt Income Ratio | 37.86 | 33.14 |
| 992289 |  |  | Qualifying Total Debt Income Ratio | 35.37 | 29.79 |
| 226189 |  |  | Qualifying Total Debt Income Ratio | 36.87 | 29.91 |
| 991879 |  |  | Qualifying Total Debt Income Ratio | 45 | 32.43 |
| 901396 |  |  | Qualifying Total Debt Income Ratio | 41.13 | 22.88 |
| 804565 |  |  | Qualifying Total Debt Income Ratio | 41.85 | 34.85 |
| 391468 |  |  | Qualifying Total Debt Income Ratio | 39.7 | 14.71 |
| 277299 |  |  | Qualifying Total Debt Income Ratio | 36.46 | 33.91 |
| 477679 |  |  | Qualifying Total Debt Income Ratio | 44.7 | 33.28 |
| 167998 |  |  | Qualifying Total Debt Income Ratio | 39.31 | 26.54 |
| 899364 |  |  | Qualifying Total Debt Income Ratio | 38.02 | 34.33 |
| 772680 |  |  | Qualifying Total Debt Income Ratio | 29.58 | 33.61 |
| 425338 |  |  | Qualifying Total Debt Income Ratio | 40.07 | 35.48 |
| 427887 |  |  | Qualifying Total Debt Income Ratio | 28.57 | 17.55 |
| 166120 |  |  | Qualifying Total Debt Income Ratio | 28.19 | 15.88 |
| 472143 |  |  | Qualifying Total Debt Income Ratio | 38.38 | 14.39 |
| 850767 |  |  | Qualifying Total Debt Income Ratio | 42.79 | 40.98 |
| 613998 |  |  | Qualifying Total Debt Income Ratio | 43.15 | 33.21 |
| 483317 |  |  | Qualifying Total Debt Income Ratio | 43.39 | 41.44 |
| 811205 |  |  | Qualifying Total Debt Income Ratio | 43.32 | 52.32 |
| 845591 |  |  | Qualifying Total Debt Income Ratio | 39.31 | 37.93 |
| 230730 |  |  | Qualifying Total Debt Income Ratio | 26.16 | 6.34 |
| 470702 |  |  | Qualifying Total Debt Income Ratio | 36.34 | 26.29 |
| 401352 |  |  | Qualifying Total Debt Income Ratio | 34.57 | 19.59 |
| 342532 |  |  | Qualifying Total Debt Income Ratio | 42.61 | 38.03 |
| 716715 |  |  | Qualifying Total Debt Income Ratio | 38.78 | 19.82 |
| 881197 |  |  | Qualifying Total Debt Income Ratio | 37.83 | 23.20 |
| 469758 |  |  | Qualifying Total Debt Income Ratio | 28.36 | 17.02 |
| 291535 |  |  | Qualifying Total Debt Income Ratio | 44.1 | 42.63 |
| 668046 |  |  | Qualifying Total Debt Income Ratio | 24.19 | 26.49 |
| 793109 |  |  | Qualifying Total Debt Income Ratio | 33.27 | 48.25 |
| 325920 |  |  | Qualifying Total Debt Income Ratio | 32.79 | 39.06 |
| 626090 |  |  | Qualifying Total Debt Income Ratio | 41.61 | 16.81 |
| 276116 |  |  | Qualifying Total Debt Income Ratio | 44.02 | 22.84 |
| 969847 |  |  | Qualifying Total Debt Income Ratio | 21.88 | 10.48 |
| 508279 |  |  | Qualifying Total Debt Income Ratio | 41.77 | 18.80 |
| 916896 |  |  | Qualifying Total Debt Income Ratio | 40.52 | 25.90 |
| 624668 |  |  | Qualifying Total Debt Income Ratio | 43.13 | 41.92 |
| 499424 |  |  | Qualifying Total Debt Income Ratio | 31.68 | 38.70 |
| 449930 |  |  | Term | 180 | 480 |
| 969847 |  |  | Term | 180 | 360 |
| 885392 |  |  | Verified Doc Type | 12 Month Bank Statement | Full Documentation |
| 249230 |  |  | Verified Doc Type | 12 Month Bank Statement | Full Documentation |
| 430407 |  |  | Verified Doc Type | 12 Month Bank Statement | Full Documentation |
| 378985 |  |  | Verified Doc Type | 24 Month Bank Statement | Full Documentation |
| 767502 |  |  | Verified Doc Type | 12 Month Bank Statement | Full Documentation |
| 835883 |  |  | Verified Doc Type | 12 Month Bank Statement | Full Documentation |
| 704739 |  |  | Verified Doc Type | 12 Month Bank Statement | Full Documentation |
| 562860 |  |  | Verified Doc Type | 12 Month Bank Statement | Full Documentation |
| 992289 |  |  | Verified Doc Type | 12 Month Bank Statement | Full Documentation |
| 427887 |  |  | Verified Doc Type | 12 Month Bank Statement | Full Documentation |

---

## Exhibit 99.2

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.2**

**EXECUTIVE SUMMARY**

**VSTA 2026-CES2**

**By Clarifii LLC on April 14, 2026**

VSTA 2026-CES2 Due Diligence Narrative Report – PagE \| 1

**CLARIFII CONTACT INFORMATION** 

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Christine Aug** | &nbsp;&nbsp;**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 126 Loans (the "Loans") originated by a correspondent lender and acquired by Vista Point Mortgage, LLC or its affiliates (the "Client") for the VSTA 2026-CES2 transaction. The Loans referenced in this narrative report were reviewed between 09/2025 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 Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;15 | &nbsp;&nbsp;11.90% | &nbsp;&nbsp;$3757250.00 |
| &nbsp;&nbsp;Correspondent Flow with Delegated UW | &nbsp;&nbsp;35 | &nbsp;&nbsp;27.78% | &nbsp;&nbsp;$9092520.00 |
| &nbsp;&nbsp;Wholesale | &nbsp;&nbsp;76 | &nbsp;&nbsp;60.32% | &nbsp;&nbsp;$20420324.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**126** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$33270094.00** |

---

The Review consisted of a population of 126 Loans, with an aggregate principal balance of $33,270,094.00.

**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.

VSTA 2026-CES2 Due Diligence Narrative Report – PagE \| 2

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;DBRS, Inc. | &nbsp;&nbsp;Third-Party Due Diligence Criteria for U.S. RMBS Transactions, September 30, 2024 |
| &nbsp;&nbsp;S&P Global Ratings | &nbsp;&nbsp; Global Methodology And Assumptions: Assessing Pools Of Residential Loans, January 25, 2019;<br>Global Methodology And Assumptions: Assessing Pools Of Residential Loans--U.S. And Canada Supplement, February 21, 2025<br>|

---

**DATA INTEGRITY**

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

---

| |
|:---|
| &nbsp;&nbsp;**Data Comparison Fields** |
| &nbsp;&nbsp;All Other Payments |
| &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Amount of Other Lien |
| &nbsp;&nbsp;Application Date |
| &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 Employer 2 Position |
| &nbsp;&nbsp;Borrower 1 Employer 2 Self-Employment Flag |
| &nbsp;&nbsp;Borrower 1 Employer 3 Self-Employment Flag |
| &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 |

---

VSTA 2026-CES2 Due Diligence Narrative Report – PagE \| 3

---

| |
|:---|
| &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 Name of Employer 2 |
| &nbsp;&nbsp;Borrower 1 Name of Employer 3 |
| &nbsp;&nbsp;Borrower 1 Originator Citizenship Designation |
| &nbsp;&nbsp;Borrower 1 Other Income |
| &nbsp;&nbsp;Borrower 1 Phone Number |
| &nbsp;&nbsp;Borrower 1 Qualifying Income |
| &nbsp;&nbsp;Borrower 1 Race - American Indian or Alaska Native Desc |
| &nbsp;&nbsp;Borrower 1 Race - Asian |
| &nbsp;&nbsp;Borrower 1 Race - Black or African American |
| &nbsp;&nbsp;Borrower 1 Race - Chinese |
| &nbsp;&nbsp;Borrower 1 Race - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Race - Korean |
| &nbsp;&nbsp;Borrower 1 Race - Native Hawaiian or Other Pacific Islander |
| &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 Total Income |
| &nbsp;&nbsp;Borrower 1 Verified Citizenship Designation |
| &nbsp;&nbsp;Borrower 1 Years in Current Home |
| &nbsp;&nbsp;Borrower 2 Birthdate |
| &nbsp;&nbsp;Borrower 2 Citizen |
| &nbsp;&nbsp;Borrower 2 Do you intend to occupy property as primary residence? |
| &nbsp;&nbsp;Borrower 2 Email or Internet |
| &nbsp;&nbsp;Borrower 2 Employer 1 Position |
| &nbsp;&nbsp;Borrower 2 Employer 1 Years in Line of Work |
| &nbsp;&nbsp;Borrower 2 Employer 2 Self-Employment Flag |
| &nbsp;&nbsp;Borrower 2 Ethnicity - Cuban |
| &nbsp;&nbsp;Borrower 2 Ethnicity - Hispanic or Latino |
| &nbsp;&nbsp;Borrower 2 Ethnicity - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 2 Ethnicity - Mexican |

---

VSTA 2026-CES2 Due Diligence Narrative Report – PagE \| 4

---

| |
|:---|
| &nbsp;&nbsp;Borrower 2 Ethnicity - Not Hispanic or Latino |
| &nbsp;&nbsp;Borrower 2 Ethnicity - Other Hispanic or Latino |
| &nbsp;&nbsp;Borrower 2 Ethnicity - Puerto Rican |
| &nbsp;&nbsp;Borrower 2 Ethnicity Visual Observation or Surname |
| &nbsp;&nbsp;Borrower 2 First Name |
| &nbsp;&nbsp;Borrower 2 Last Name |
| &nbsp;&nbsp;Borrower 2 Marital Status |
| &nbsp;&nbsp;Borrower 2 Middle Name |
| &nbsp;&nbsp;Borrower 2 Name of Employer1 |
| &nbsp;&nbsp;Borrower 2 Name of Employer 2 |
| &nbsp;&nbsp;Borrower 2 Qualifying Income |
| &nbsp;&nbsp;Borrower 2 Race - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 2 Race - White |
| &nbsp;&nbsp;Borrower 2 Rent or Own |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag |
| &nbsp;&nbsp;Borrower 2 Sex - Female |
| &nbsp;&nbsp;Borrower 2 Sex - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 2 Sex - Male |
| &nbsp;&nbsp;Borrower 2 SSN |
| &nbsp;&nbsp;Borrower 2 Telephone Interview |
| &nbsp;&nbsp;Borrower 2 Years in Current Home |
| &nbsp;&nbsp;Business Purpose Flag |
| &nbsp;&nbsp;Calculated DSCR |
| &nbsp;&nbsp;Cash Disbursement Date |
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator |
| &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;HOA Flag |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment |
| &nbsp;&nbsp;Initial Originator Signature Date |
| &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;Interest Rate |
| &nbsp;&nbsp;Investor Loan ID |
| &nbsp;&nbsp;Lender Name |
| &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;Loan Amount |
| &nbsp;&nbsp;Loan ID |
| &nbsp;&nbsp;Loan Origination Company |
| &nbsp;&nbsp;Loan Origination Company NMLS |
| &nbsp;&nbsp;Loan Program |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Loan Type |
| &nbsp;&nbsp;Maturity Date |
| &nbsp;&nbsp;MIN No |
| &nbsp;&nbsp;Negative Amortization Flag |

---

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---

| |
|:---|
| &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Note Type |
| &nbsp;&nbsp;Number of Borrowers |
| &nbsp;&nbsp;Number of Mortgaged Properties |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Origination Foreclosure Flag |
| &nbsp;&nbsp;Originator Doc Type |
| &nbsp;&nbsp;Originator QM Status |
| &nbsp;&nbsp;Payment Frequency |
| &nbsp;&nbsp;Prepayment Penalty Flag |
| &nbsp;&nbsp;Prepayment Penalty Total Term |
| &nbsp;&nbsp;Prepayment Penalty Type |
| &nbsp;&nbsp;Primary Appraised Property Value |
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property County |
| &nbsp;&nbsp;Property Rights |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Property Value |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;Proposed First Mortgage P&I |
| &nbsp;&nbsp;Proposed Hazard Insurance |
| &nbsp;&nbsp;Proposed Housing Expense |
| &nbsp;&nbsp;Proposed Other Financing P&I |
| &nbsp;&nbsp;Proposed Real Estate Taxes |
| &nbsp;&nbsp;QM Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Qualifying CLTV |
| &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Qualifying Total Housing Expense PITIA |
| &nbsp;&nbsp;Refinance Type |
| &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Subject Property Gross Rental income |
| &nbsp;&nbsp;Term |
| &nbsp;&nbsp;Title Form Type |
| &nbsp;&nbsp;Total Qualifying Income |
| &nbsp;&nbsp;ULI |
| &nbsp;&nbsp;Underwriting Guideline Product Name |
| &nbsp;&nbsp;Verified Doc Type |
| &nbsp;&nbsp;Vested Business Entity Name |

---

VSTA 2026-CES2 Due Diligence Narrative Report – PagE \| 6

**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:

● **Loan Attributes** 

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

– Assets and Reserves

– Gross Income

– Lien Position

– Loan Purpose

– Housing History

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

– Monthly Debt

– Occupancy

– Property Type

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

– Debt to Income Ratio (DTI)

– Residual Income

– Debt Service Coverage Ratio (DSCR)

● **Credit Application** 

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

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

– Borrower(s) employment history

– Citizenship and eligibility

– First time home buyer status

– The application was signed by all borrowers

– The application was substantially complete

● **Credit History** 

Clarifii verified the following items:

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

– Bankruptcy and foreclosure seasoning

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

– Installment and revolving payment history

– Mortgage/Rental payment history

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

– Number of tradelines

– Credit Score(s) and Qualifying Score Methodology

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● **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

● **Fraud Review** 

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

– Borrower identity

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

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

– Occupancy

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

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

– Employment

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

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

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

OFAC

● **Asset Review** 

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

– Verification of deposits (VOD)

– Depository account statements

– Stock or security account statements

– Gift funds

– Settlements statements

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

– Other documentation in Loan file

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

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

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

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

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

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

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

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

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

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

**Debt Service Coverage Ratio (DSCR)**

– Calculated DSCR, as required by guidelines

– Confirmed documentation requirements have been met

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

**DOCUMENT REVIEW**

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

● **Initial and Final 1003 Application** 

● **Note** 

● **Mortgage/Deed of Trust** 

● **Appraisal** 

● **Sales Contract** 

● **Title Commitment/Policy** 

● **Junior Lien/Subordination Agreement** 

● **Mortgage Insurance** 

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

● **Flood Certification** 

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

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

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

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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.

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

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

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

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

**Right of Rescission** 

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

**Qualified Mortgage and Ability to Repay**

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

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

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

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

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

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

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

**Miscellaneous Compliance Testing**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

VSTA 2026-CES2 Due Diligence Narrative Report – PagE \| 12

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

● **Business Purpose Loan Compliance Review** 

– Non-Owner Occupied Declaration Disclosure

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

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

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

– Review Note accuracy and properly executed

– Review Mortgage and applicable riders for accuracy and properly executed

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

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

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

– Right to Receive Copy of Appraisal or Appraisal Waiver Disclosure

– Letter of Explanation detailing the use of proceeds.

– Borrower's statement of purpose for the Loan.

– State License requirements when applicable

– State Predatory lending and high cost when applicable

**QUALIFIED MORTGAGE (QM)**

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

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

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

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**ABILITY TO REPAY (ATR)**

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

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

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

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

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

**VALUATION REVIEW**

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

● **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.

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**INDEPENDENT THIRD-PARTY VALUES**

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

**Valuation Reconciliation Process:**

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

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

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

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

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

**VALUATION RESULTS SUMMARY**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Valuation Product** | &nbsp;&nbsp;**# of Files – No Hit** | &nbsp;&nbsp;**# of Files > -10% Variance to OA or Confidence < 80%** | &nbsp;&nbsp;**Number of Files within -10% of OA or Acceptable UCDP Risk Score** |
| &nbsp;&nbsp;AVM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;BPO | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;LCA or CU Score <=2.5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;56 |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 |
| &nbsp;&nbsp;Field Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Second Full Appraisal | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;No Secondary Product | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;47 |

---

**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.

VSTA 2026-CES2 Due Diligence Narrative Report – PagE \| 16

**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. |

---

VSTA 2026-CES2 Due Diligence Narrative Report – PagE \| 17

**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** | &nbsp;&nbsp;**Overall Review Results** | &nbsp;&nbsp;**Overall Review Results** |
| &nbsp;&nbsp;**Overall Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;102 | &nbsp;&nbsp;80.95% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;24 | &nbsp;&nbsp;19.05% |
| &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;**126** | &nbsp;&nbsp;**100.00%** |

---

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

**Final Credit Component Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** |
| &nbsp;&nbsp;**Credit Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;115 | &nbsp;&nbsp;91.27% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;11 | &nbsp;&nbsp;8.73% |
| &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;**126** | &nbsp;&nbsp;**100.00%** |

---

VSTA 2026-CES2 Due Diligence Narrative Report – PagE \| 18

**Final Property Valuation Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** |
| &nbsp;&nbsp;**Property Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;103 | &nbsp;&nbsp;81.75% |
| &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;23 | &nbsp;&nbsp;18.25% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**126** | &nbsp;&nbsp;**100.00%** |

---

**Final Regulatory Compliance Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** |
| &nbsp;&nbsp;**Compliance Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;111 | &nbsp;&nbsp;88.10% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;15 | &nbsp;&nbsp;11.90% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**126** | &nbsp;&nbsp;**100.00%** |

---

**ADDITIONAL LOAN SUMMARY DETAILS**

**Amortization Type**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;126 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$33270094.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**126** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$33270094.00** |

---

**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;92 | &nbsp;&nbsp;73.02% | &nbsp;&nbsp;$25626144.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.79% | &nbsp;&nbsp;$256500.00 |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;33 | &nbsp;&nbsp;26.19% | &nbsp;&nbsp;$7387450.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**126** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$33270094.00** |

---

**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;125 | &nbsp;&nbsp;99.21% | &nbsp;&nbsp;$33082094.00 |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.79% | &nbsp;&nbsp;$188000.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**126** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$33270094.00** |

---

VSTA 2026-CES2 Due Diligence Narrative Report – PagE \| 19

**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;2 | &nbsp;&nbsp;126 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$33270094.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**126** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$33270094.00** |

---

**Original Term**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;180 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.79% | &nbsp;&nbsp;$270000.00 |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;119 | &nbsp;&nbsp;94.44% | &nbsp;&nbsp;$31750094.00 |
| &nbsp;&nbsp;240 | &nbsp;&nbsp;6 | &nbsp;&nbsp;4.76% | &nbsp;&nbsp;$1250000.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**126** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$33270094.00** |

---

**DATA COMPARE RESULTS**

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

**Summary of Data Compare Results**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Data Comparison Fields** | &nbsp;&nbsp;**Loans With <br> Discrepancy** | &nbsp;&nbsp;**Total Times <br> Compared** | &nbsp;&nbsp;**Accuracy %** |
| &nbsp;&nbsp;All Other Payments | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;1 | &nbsp;&nbsp;48 | &nbsp;&nbsp;97.92% |
| &nbsp;&nbsp;Amount of Other Lien | &nbsp;&nbsp;19 | &nbsp;&nbsp;40 | &nbsp;&nbsp;52.50% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;10 | &nbsp;&nbsp;62 | &nbsp;&nbsp;83.87% |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;62 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Any Outstanding Judgments? | &nbsp;&nbsp;0 | &nbsp;&nbsp;41 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Any part of down payment borrowed? | &nbsp;&nbsp;0 | &nbsp;&nbsp;41 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;42 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Birthdate | &nbsp;&nbsp;0 | &nbsp;&nbsp;62 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;0 | &nbsp;&nbsp;49 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Country Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;41 | &nbsp;&nbsp;97.56% |
| &nbsp;&nbsp;Borrower 1 Credit Report Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Do you intend to occupy property as primary residence? | &nbsp;&nbsp;0 | &nbsp;&nbsp;41 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Email or Internet | &nbsp;&nbsp;0 | &nbsp;&nbsp;44 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 1 Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;38 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 1 Years in Line of Work | &nbsp;&nbsp;2 | &nbsp;&nbsp;38 | &nbsp;&nbsp;94.74% |
| &nbsp;&nbsp;Borrower 1 Employer 2 Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 2 Self-Employment Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;7 | &nbsp;&nbsp;85.71% |
| &nbsp;&nbsp;Borrower 1 Employer 3 Self-Employment Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Cuban | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Hispanic or Latino | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |

---

VSTA 2026-CES2 Due Diligence Narrative Report – PagE \| 20

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Borrower 1 Ethnicity - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;41 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Mexican | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Not Hispanic or Latino | &nbsp;&nbsp;0 | &nbsp;&nbsp;23 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Other Hispanic or Latino | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Puerto Rican | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity Visual Observation or Surname | &nbsp;&nbsp;0 | &nbsp;&nbsp;38 | &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 First Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;80 | &nbsp;&nbsp;98.75% |
| &nbsp;&nbsp;Borrower 1 Foreclosure in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;41 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Has there been ownership in a property in last 3 yrs | &nbsp;&nbsp;5 | &nbsp;&nbsp;30 | &nbsp;&nbsp;83.33% |
| &nbsp;&nbsp;Borrower 1 How was title held? | &nbsp;&nbsp;1 | &nbsp;&nbsp;17 | &nbsp;&nbsp;94.12% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;84 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Marital Status | &nbsp;&nbsp;0 | &nbsp;&nbsp;41 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Middle Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;15 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Name of Employer1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;38 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Name of Employer 2 | &nbsp;&nbsp;1 | &nbsp;&nbsp;7 | &nbsp;&nbsp;85.71% |
| &nbsp;&nbsp;Borrower 1 Name of Employer 3 | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Originator Citizenship Designation | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Borrower 1 Other Income | &nbsp;&nbsp;2 | &nbsp;&nbsp;10 | &nbsp;&nbsp;80.00% |
| &nbsp;&nbsp;Borrower 1 Phone Number | &nbsp;&nbsp;0 | &nbsp;&nbsp;21 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Qualifying Income | &nbsp;&nbsp;0 | &nbsp;&nbsp;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;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - Black or African American | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - Chinese | &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;41 | &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 or Other Pacific Islander | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - White | &nbsp;&nbsp;0 | &nbsp;&nbsp;26 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Rent or Own | &nbsp;&nbsp;0 | &nbsp;&nbsp;41 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;38 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - Female | &nbsp;&nbsp;0 | &nbsp;&nbsp;9 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;41 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - Male | &nbsp;&nbsp;0 | &nbsp;&nbsp;30 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;68 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Telephone Interview | &nbsp;&nbsp;1 | &nbsp;&nbsp;20 | &nbsp;&nbsp;95.00% |
| &nbsp;&nbsp;Borrower 1 Total Income | &nbsp;&nbsp;0 | &nbsp;&nbsp;20 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Verified Citizenship Designation | &nbsp;&nbsp;0 | &nbsp;&nbsp;20 | &nbsp;&nbsp;100.00% |

---

VSTA 2026-CES2 Due Diligence Narrative Report – PagE \| 21

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Borrower 1 Years in Current Home | &nbsp;&nbsp;1 | &nbsp;&nbsp;41 | &nbsp;&nbsp;97.56% |
| &nbsp;&nbsp;Borrower 2 Birthdate | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Citizen | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Do you intend to occupy property as primary residence? | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Email or Internet | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Employer 1 Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Employer 1 Years in Line of Work | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Employer 2 Self-Employment Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Ethnicity - Cuban | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Ethnicity - Hispanic or Latino | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Ethnicity - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Ethnicity - Mexican | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Ethnicity - Not Hispanic or Latino | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Ethnicity - Other Hispanic or Latino | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Ethnicity - Puerto Rican | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Ethnicity Visual Observation or Surname | &nbsp;&nbsp;1 | &nbsp;&nbsp;6 | &nbsp;&nbsp;83.33% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;15 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;15 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Marital Status | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Middle Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Name of Employer1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Name of Employer 2 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Qualifying Income | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Race - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Race - White | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Rent or Own | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Sex - Female | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Sex - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Sex - Male | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Telephone Interview | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Years in Current Home | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Business Purpose Flag | &nbsp;&nbsp;2 | &nbsp;&nbsp;17 | &nbsp;&nbsp;88.24% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;2 | &nbsp;&nbsp;33 | &nbsp;&nbsp;93.94% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;22 | &nbsp;&nbsp;90.91% |
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator | &nbsp;&nbsp;0 | &nbsp;&nbsp;41 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;49 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;HOA Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Initial Originator Signature Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;41 | &nbsp;&nbsp;100.00% |

---

VSTA 2026-CES2 Due Diligence Narrative Report – PagE \| 22

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;81 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;92 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Investor Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;80 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Lender Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;79 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;11 | &nbsp;&nbsp;97 | &nbsp;&nbsp;88.66% |
| &nbsp;&nbsp;Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;85 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Origination Company | &nbsp;&nbsp;0 | &nbsp;&nbsp;41 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Origination Company NMLS | &nbsp;&nbsp;2 | &nbsp;&nbsp;37 | &nbsp;&nbsp;94.59% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;3 | &nbsp;&nbsp;24 | &nbsp;&nbsp;87.50% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;2 | &nbsp;&nbsp;126 | &nbsp;&nbsp;98.41% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;41 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;MIN No | &nbsp;&nbsp;0 | &nbsp;&nbsp;22 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Negative Amortization Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;41 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;33 | &nbsp;&nbsp;96.97% |
| &nbsp;&nbsp;Note Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;41 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Borrowers | &nbsp;&nbsp;0 | &nbsp;&nbsp;41 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Mortgaged Properties | &nbsp;&nbsp;13 | &nbsp;&nbsp;33 | &nbsp;&nbsp;60.61% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;71 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;118 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Origination Foreclosure Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Originator Doc Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Originator QM Status | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Payment Frequency | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;17 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;3 | &nbsp;&nbsp;51 | &nbsp;&nbsp;94.12% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;1 | &nbsp;&nbsp;92 | &nbsp;&nbsp;98.91% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;1 | &nbsp;&nbsp;92 | &nbsp;&nbsp;98.91% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;0 | &nbsp;&nbsp;71 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Rights | &nbsp;&nbsp;0 | &nbsp;&nbsp;41 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;96 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;6 | &nbsp;&nbsp;76 | &nbsp;&nbsp;92.11% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;41 | &nbsp;&nbsp;97.56% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;0 | &nbsp;&nbsp;92 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Proposed First Mortgage P&I | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Proposed Hazard Insurance | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Proposed Housing Expense | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Proposed Other Financing P&I | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Proposed Real Estate Taxes | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;QM Qualifying Total Debt Income Ratio | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;74 | &nbsp;&nbsp;97.30% |

---

VSTA 2026-CES2 Due Diligence Narrative Report – PagE \| 23

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;6 | &nbsp;&nbsp;32 | &nbsp;&nbsp;81.25% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;75 | &nbsp;&nbsp;98.67% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;8 | &nbsp;&nbsp;50 | &nbsp;&nbsp;84.00% |
| &nbsp;&nbsp;Qualifying Total Housing Expense PITIA | &nbsp;&nbsp;3 | &nbsp;&nbsp;20 | &nbsp;&nbsp;85.00% |
| &nbsp;&nbsp;Refinance Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;39 | &nbsp;&nbsp;97.44% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;8 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Subject Property Gross Rental income | &nbsp;&nbsp;1 | &nbsp;&nbsp;3 | &nbsp;&nbsp;66.67% |
| &nbsp;&nbsp;Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;68 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Title Form Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Total Qualifying Income | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ULI | &nbsp;&nbsp;0 | &nbsp;&nbsp;65 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Underwriting Guideline Product Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;20 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;11 | &nbsp;&nbsp;90.91% |
| &nbsp;&nbsp;Vested Business Entity Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;9 | &nbsp;&nbsp;88.89% |

---

**CLARIFII THIRD PARTY REPORTS DELIVERED**

Clarifii furnished the following reports on this transaction:

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

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

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

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

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

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

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

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

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

**Disclaimer**

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

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

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

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

VSTA 2026-CES2 Due Diligence Narrative Report – PagE \| 24

*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.

VSTA 2026-CES2 Due Diligence Narrative Report – PagE \| 25

## Exhibit 99.2

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.2 - Schedule 1**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| XXXX | 86805874 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | 5906.25 | N/A | Employed | Employed | No | No | Yes | Present |
| XXXX | 87408193 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 14088.43 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | 81339711 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 76516.65 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | 80591817 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 37755.51 | Yes | Employed | Not Employed | No | No | Yes | Present |
| XXXX | 88252267 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 8827 | 10.758 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15562.52 | N/A | Employed |  | No |  | No |  |
| XXXX | 88759455 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 5375 | 9.398 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 6552.89 | N/A | Employed |  | No |  | No |  |
| XXXX | 89088275 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 5575 | 8.462 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3397.43 | N/A | Employed |  | No |  | No |  |
| XXXX | 89709288 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 8305 | 9.194 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10670.16 | N/A | Employed |  | No |  | No |  |
| XXXX | 87170745 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4220 | 8.628 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7678.06 | N/A | Employed |  | No |  | No |  |
| XXXX | 89932839 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 7020 | 9.477 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12806.23 | N/A | Employed |  | No |  | No |  |
| XXXX | 81562397 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 5900 | 10.054 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23942.27 | N/A | Not Employed | Employed | No | No | No |  |
| XXXX | 88516942 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 12875 | 10.876 | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | Yes | 33103.26 | N/A | Employed |  | No |  | No |  |
| XXXX | 89921362 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7075 | 9.211 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 12362.4 | N/A | Employed |  | No |  | No |  |
| XXXX | 87614965 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 14648.73 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 84782504 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 11631.65 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | 81924223 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2425 | 7.808 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 49669.42 | N/A | Employed |  | No |  | No |  |
| XXXX | 89088051 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2375 | 8.38 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18685.87 | N/A | Employed |  | No |  | No |  |
| XXXX | 81264944 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2375 | 7.924 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | N/A | 93097.23 | N/A | Employed |  | No |  | No |  |
| XXXX | 80570159 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 6975 | 9.08 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 19114.84 | N/A | Employed |  | No |  | No |  |
| XXXX | 85190975 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3485 | 7.982 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 43884.16 | Yes | Employed |  | No |  | No |  |
| XXXX | 83565119 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3485 | 8.748 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 134352.86 | N/A | Employed |  | No |  | No |  |
| XXXX | 81271651 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4220 | 8.553 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4171.89 | N/A | Employed |  | No |  | No |  |
| XXXX | 80756411 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3020 | 9.518 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10522.91 | N/A | Employed |  | No |  | No |  |
| XXXX | 83045569 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6220 | 9.077 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13356.19 | N/A | Employed |  | No |  | No |  |
| XXXX | 84994178 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 3950 | 10.606 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 29436.16 | N/A | Employed |  | No |  | No |  |
| XXXX | 87976882 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 4710.85 | 9.592 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5418.36 | N/A | Employed |  | No |  | No |  |
| XXXX | 80543877 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 6956.8 | 9.532 | Yes | N/A | N/A | N/A | Yes | Yes | N/A | Yes | Yes | N/A | 13328.69 | N/A | Employed | Not Employed | No | No | No |  |
| XXXX | 89490225 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 8780.5 | 10.039 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7823.35 | N/A | Employed |  | No |  | No |  |
| XXXX | 80939699 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 4745 | 9.513 | N/A | Yes | N/A | Yes | N/A | N/A | N/A | N/A | N/A | N/A | 11582.43 | N/A | Employed |  | No |  | No |  |
| XXXX | 87491375 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2915 | 8.602 | N/A | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 31333.78 | Yes | Employed |  | No |  | No |  |
| XXXX | 88572497 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 995 | 8.643 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 5568.49 | Yes | Employed |  | No |  | No |  |
| XXXX | 83932417 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 5995 | 9.632 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 67867.13 | N/A | Employed |  | No |  | No |  |
| XXXX | 87730933 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 4563.75 | 8.661 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14224.84 | Yes | Employed |  | No |  | No |  |
| XXXX | 84420511 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 6116.61 | 10.389 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22821.92 | N/A | Employed |  | No |  | No |  |
| XXXX | 84905660 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 13820 | 8.933 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 13384.57 | N/A | Employed |  | No |  | No |  |
| XXXX | 84890449 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3382.29 | 9.244 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 35542.32 | N/A | Employed |  | No |  | No |  |
| XXXX | 80238285 | XXXX | XXXX | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 3648 | 8.842 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3643.69 | N/A | Retired | Employed | No | No | No |  |
| XXXX | 87304535 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 4245 | 11.216 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5556.59 | N/A | Employed |  | No |  | No |  |
| XXXX | 80905972 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1800 | 8.878 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5828.59 | N/A | Employed |  | No |  | No |  |
| XXXX | 80975058 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 101717.75 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | 85292099 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 22024.41 | Yes | Employed | Employed | No | No | Yes | Present |
| XXXX | 82904768 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 15165.53 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | 85860368 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1990 | 8.157 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14261.76 | N/A | Employed |  | No |  | No |  |
| XXXX | 82660175 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | Yes | N/A | N/A | 8998.54 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 82239957 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2590 | 8.225 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 27238.6 | N/A | Employed |  | No |  | No |  |
| XXXX | 86380857 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 3995 | 8.861 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20374.47 | N/A | Employed | Not Employed | No | No | No |  |
| XXXX | 86558153 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 3745 | 8.21 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16510.66 | N/A | Employed | Employed | No | No | No |  |
| XXXX | 80719562 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 9245 | 9.221 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23047.26 | Yes | Employed |  | No |  | No |  |
| XXXX | 81419688 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1313 | 9.491 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | 18008.65 | Yes | Employed |  | No |  | No |  |
| XXXX | 81689133 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | 12376.32 | N/A | Employed | Employed | No | No | Yes | Present |
| XXXX | 89005118 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 15978 | 8.533 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 52272.84 | N/A | Employed |  | No |  | No |  |
| XXXX | 83114760 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 4808.89 | 8.638 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 21578.81 | N/A | Employed |  | No |  | No |  |
| XXXX | 85081584 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 4548.5 | 9.765 | N/A | Yes | N/A | Yes | Yes | Yes | N/A | N/A | N/A | N/A | 9910.11 | N/A | Employed |  | No |  | No |  |
| XXXX | 80580320 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 13643.94 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | 84320197 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4029.16 | 9.656 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 63175.97 | Yes | Employed |  | No |  | No |  |
| XXXX | 84804652 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 4994 | 8.735 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 4666.22 | N/A | Employed |  | No |  | No |  |
| XXXX | 87435480 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 14640 | 8.09 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 62430.79 | N/A | Employed | Not Employed | No | No | No |  |
| XXXX | 85023500 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6595 | 8.915 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15192.39 | Yes | Employed |  | No |  | No |  |
| XXXX | 83113568 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 6766 | 9.241 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 34070.07 | Yes | Employed |  | No |  | No |  |
| XXXX | 87956071 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2063 | 8.98 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3261.27 | Yes | Employed | Employed | No | No | No |  |
| XXXX | 85261839 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 6195 | 9.038 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24910.2 | Yes | Employed |  | No |  | No |  |
| XXXX | 88998298 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 9333 | 12.155 | N/A | Yes | N/A | Yes | Yes | Yes | N/A | N/A | Yes | Yes | 68887.22 | N/A | Employed |  | No |  | No |  |
| XXXX | 89275724 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 8104 | 8.255 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 35194.4 | N/A | Employed |  | No |  | No |  |
| XXXX | 87363366 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 3480.8 | 8.39 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10896.79 | N/A | Employed |  | No |  | No |  |
| XXXX | 87150104 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 114416.37 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | 84869028 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 4710 | 9.486 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | Yes | 13950.59 | Yes | Employed |  | No |  | No |  |
| XXXX | 87414513 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 84627454 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 8945 | 8.497 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 28287.94 | N/A | Employed |  | No |  | No |  |
| XXXX | 83909961 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 13172.85 | N/A | Employed | Employed | No | No | Yes | Present |
| XXXX | 87621953 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 4929.4 | 8.889 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5754.83 | N/A | Employed | Employed | No | No | No |  |
| XXXX | 80013901 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 81051363 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | No | N/A | Yes | N/A | Yes | N/A | N/A | N/A | N/A | 14483.01 | N/A | Employed | Employed | No | No | Yes | Present |
| XXXX | 86136384 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 0 | 8.515 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 158055.64 | N/A | Employed |  | No |  | No |  |
| XXXX | 88555279 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7345 | 8.705 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | N/A | Yes | Yes | 26670.02 | Yes | Employed | Not Employed | No | No | No |  |
| XXXX | 85911887 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | Yes | N/A | Yes | N/A | N/A | 26066.01 | Yes | Employed | Not Employed | No | No | Yes | Present |
| XXXX | 87579069 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 14195 | 9.266 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 30635.39 | Yes | Employed |  | No |  | No |  |
| XXXX | 82165009 | XXXX | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 2890 | 10.217 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 37553.78 | N/A | Employed |  | No |  | No |  |
| XXXX | 80314630 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 82509642 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 12046 | 10.013 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 31680.57 | N/A | Employed | Employed | No | No | No |  |
| XXXX | 85815234 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXX | 86860762 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 12858.66 | 9.278 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 50499.62 | Yes | Employed |  | No |  | No |  |
| XXXX | 89491230 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | No | No | No | No | No | No | No | No | Yes | 6392.5 | 10.112 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 24665.14 | N/A | Employed |  | No |  | No |  |
| XXXX | 85237538 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 6245 | 8.46 | N/A | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9376.13 | Yes | Employed | Not Employed | No | No | No |  |
| XXXX | 82482204 | XXXX | XXXX | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 9745 | 7.888 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 37207.19 | Yes | Employed |  | No |  | No |  |
| XXXX | 81312513 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 4740 | 9.168 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 8575.62 | N/A | Retired | Not Employed | No | No | No |  |
| XXXX | 85339463 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1990 | 8.851 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9521.53 | N/A | Employed | Retired | No | No | No |  |
| XXXX | 89511803 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 4214.38 | 12.84 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 19066.25 | N/A | Employed |  | No |  | No |  |
| XXXX | 81212824 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1990 | 8.682 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18736.83 | N/A | Employed |  | No |  | No |  |
| XXXX | 88814940 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 995 | 8.576 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11869.37 | N/A | Employed |  | No |  | No |  |
| XXXX | 86035475 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2745 | 8.484 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7892.95 | Yes | Employed |  | No |  | No |  |
| XXXX | 80616785 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 7445 | 9.038 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 5999.28 | N/A | Employed |  | No |  | No |  |
| XXXX | 81126728 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 12245 | 8.28 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 225218.07 | N/A | Employed |  | No |  | No |  |
| XXXX | 87569240 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 8740.61 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | 85127452 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | Yes | N/A | N/A | N/A | Yes | N/A | N/A | 12632.03 | N/A | Employed | Employed | No | No | Yes | Present |
| XXXX | 82298352 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 226413.61 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | 87573298 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 995 | 9.187 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3747.92 | N/A | Employed | Employed | No | No | No |  |
| XXXX | 82178877 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1990 | 9.068 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 23526.42 | N/A | Employed |  | No |  | No |  |
| XXXX | 83645628 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 3640 | 10.258 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 10154.19 | N/A | Employed |  | No |  | No |  |
| XXXX | 87507336 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 995 | 7.869 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 24745.63 | N/A | Employed |  | No |  | No |  |
| XXXX | 85080571 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1990 | 8.574 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 14212.05 | N/A | Employed |  | No |  | No |  |
| XXXX | 82407192 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 13549.24 | Yes | Employed | Employed | No | No | Yes | Present |
| XXXX | 81247134 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 3908.75 | 11.336 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 7764.64 | N/A | Employed |  | No |  | No |  |
| XXXX | 85513275 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 1990 | 9.706 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16018.7 | N/A | Employed |  | No |  | No |  |
| XXXX | 86413740 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 6779.62 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | 80277119 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 1990 | 9.95 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 15664.4 | N/A | Employed |  | No |  | No |  |
| XXXX | 85092407 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | Yes | N/A | Yes | Yes | Yes | N/A | N/A | N/A | N/A | 26176.51 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | 85118398 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 995 | 10.415 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | No | Yes | Yes | 116094.14 | N/A | Not Employed | Employed | No | No | No |  |
| XXXX | 82926250 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 13182.5 | 8.306 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 72415.37 | N/A | Employed |  | No |  | No |  |
| XXXX | 88038417 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 2150 | 8.074 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 6746.36 | N/A | Employed |  | No |  | No |  |
| XXXX | 85846657 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1790 | 7.938 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 15134.49 | Yes | Employed | Employed | No | No | No |  |
| XXXX | 85130806 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1790 | 8.597 | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Yes | Yes | Yes | 30141.7 | N/A | Employed | Employed | No | No | No |  |
| XXXX | 82597614 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 11290 | 9.231 | Yes | Yes | N/A | Yes | N/A | Yes | N/A | Yes | Yes | Yes | 18886.43 | Yes | Employed |  | No |  | No |  |
| XXXX | 89790773 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 96853.86 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | 81082502 | XXXX | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 1790 | 8.941 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 155500.48 | Yes | Employed |  | No |  | No |  |
| XXXX | 80654149 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 49782.33 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 85733202 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 24169.68 | N/A | Employed |  | No |  | Yes | Present |
| XXXX | 84296966 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 31852.5 | 9.129 | N/A | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 22394.74 | N/A | Employed |  | No |  | No |  |
| XXXX | 82594382 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 8413.43 | 10.7 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 9886.76 | Yes | Employed | Employed | No | No | No |  |
| XXXX | 82845602 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 10246.9 | 9.98 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 7235.5 | Yes | Employed |  | No |  | No |  |
| XXXX | 88117674 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | 6020 | 11.931 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16454.68 | N/A | Employed | Employed | No | No | No |  |
| XXXX | 85012958 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | Yes | No | No | No | No | No | No | No | No | Yes | 6582.5 | 8.954 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 3506.14 | Yes | Retired | Retired | No | No | No |  |
| XXXX | 85424437 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 7655 | 10.17 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 10798.93 | Yes | Employed | Employed | No | No | No |  |
| XXXX | 89208198 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 16332 | 8.37 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 247962.73 | Yes | Employed |  | No |  | No |  |
| XXXX | 81445369 | XXXX | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 24781.05 | Yes | Employed |  | No |  | Yes | Present |
| XXXX | 86419357 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | QM Points and Fees Exceeded | No | No | No | No | No | No | No | No | No | No | Yes | 27274.5 | 8.489 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 20458.81 | Yes | Employed | Employed | No | No | No |  |
| XXXX | 80847611 | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | Yes | No | Yes | No | No | No | No | No | No | No | No | 6001.64 | 12.775 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 30319.4 | Yes | Employed |  | No |  | No |  |

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## Exhibit 99.2

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.2 - Schedule 2**

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| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX | 87614965 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 0 | 0.8642 | Not DSCR. |
| XXXX | 89490225 | XXXX | XXXX | Borrower 1 Has there been ownership in a property in last 3 yrs | the1003Page | Yes | No | Per Final 1003 |
| XXXX | 89490225 | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 1 | 0 | Per Credit Report |
| XXXX | 80939699 | XXXX | XXXX | Amount of Other Lien | titlePage | XXXX | XXXX | Per first mortgage balance |
| XXXX | 83932417 | XXXX | XXXX | B1 Country Name | the1003Page | XXXX | XXXX | per 1003 |
| XXXX | 83932417 | XXXX | XXXX | Amount of Other Lien | titlePage | XXXX | XXXX | Tape Value is subject loan |
| XXXX | 83932417 | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 3 | 1 | Per 1003 |
| XXXX | 87730933 | XXXX | XXXX | Borrower 1 Has there been ownership in a property in last 3 yrs | the1003Page | Yes | No | Per Title |
| XXXX | 87730933 | XXXX | XXXX | Amount of Other Lien | titlePage | XXXX | XXXX | Per Final 1003 |
| XXXX | 87730933 | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 1 | 0 | Per Credit Report |
| XXXX | 84905660 | XXXX | XXXX | Amount of Other Lien | titlePage | XXXX | XXXX | Per first mortgage balance |
| XXXX | 84905660 | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 2 | 0 | Per applications |
| XXXX | 80238285 | XXXX | XXXX | Loan Origination Company NMLS | notePage | XXXX | XXXX | Per Final 1003 |
| XXXX | 87304535 | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 1 | 0 | Audit number includes the subject property. |
| XXXX | 80905972 | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 1 | 0 | Per 1003 |
| XXXX | 82904768 | XXXX | XXXX | Borrower 1 Employer 2 Self-Employment Flag | the1003Page | Yes | No | As per final 1003 |
| XXXX | 82904768 | XXXX | XXXX | Borrower 1 Name of Employer 2 | the1003Page | XXXX | XXXX | As per final 1003 |
| XXXX | 82904768 | XXXX | XXXX | Borrower 1 Other Income | the1003Page | 0 | 29166.67 | As per final 1003 |
| XXXX | 82904768 | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 4 | 0 | Per final 1003 |
| XXXX | 85860368 | XXXX | XXXX | Refinance Type | the1003Page | Cash Out - Other | LimitedCashOut | per Final CD |
| XXXX | 85860368 | XXXX | XXXX | Amount of Other Lien | titlePage | XXXX | XXXX | Per 1003 |
| XXXX | 82239957 | XXXX | XXXX | Borrower 1 Years in Current Home | the1003Page | 3.33 | 40 | Audit reflects number of years, not months. |
| XXXX | 82239957 | XXXX | XXXX | Borrower 1 Employer 1 Years in Line of Work | the1003Page | 14 | 168 | Audit reflects number of years, not months. |
| XXXX | 82239957 | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 4 | 3 | Per 1003 |
| XXXX | 86380857 | XXXX | XXXX | Amount of Other Lien | titlePage | XXXX | XXXX | Per credit report |
| XXXX | 86558153 | XXXX | XXXX | Property Value | propertyValuationPage | XXXX | XXXX | Per AVM |
| XXXX | 89005118 | XXXX | XXXX | Borrower 1 Has there been ownership in a property in last 3 yrs | the1003Page | Yes | No | Per Final 1003 |
| XXXX | 89005118 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial 1003 |
| XXXX | 89005118 | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 1 | 0 | Per 1003 |
| XXXX | 83114760 | XXXX | XXXX | Borrower 1 How was title held? | the1003Page | Individually | Jointly | Per title |
| XXXX | 85081584 | XXXX | XXXX | Amount of Other Lien | titlePage | XXXX | XXXX | Audit value is non-subject 1st lien |
| XXXX | 85081584 | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 2 | 0 | Per credit report. |
| XXXX | 80580320 | XXXX | XXXX | Amount of Other Lien | titlePage | XXXX | XXXX | Per final 1003 |
| XXXX | 80580320 | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 2 | 0 | Per 1003 |
| XXXX | 84804652 | XXXX | XXXX | Borrower 1 Has there been ownership in a property in last 3 yrs | the1003Page | Yes | No | per 1003 |
| XXXX | 87435480 | XXXX | XXXX | Loan Origination Company NMLS | notePage | XXXX | XXXX | per executed note |
| XXXX | 83113568 | XXXX | XXXX | Borrower 1 First Name | notePage | XXXX | XXXX | Per note |
| XXXX | 83113568 | XXXX | XXXX | Amount of Other Lien | titlePage | XXXX | XXXX | Per credit report |
| XXXX | 87956071 | XXXX | XXXX | Borrower 1 Has there been ownership in a property in last 3 yrs | the1003Page | Yes | No | Per final 1003 |
| XXXX | 87956071 | XXXX | XXXX | Borrower 2 Ethnicity Visual Observation or Surname | the1003Page | false | true | Per final 1003 |
| XXXX | 87956071 | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 2 | 3 | Per 1003 |
| XXXX | 88998298 | XXXX | XXXX | Borrower 1 Telephone Interview | the1003Page | false | True | Per 1003 |
| XXXX | 88998298 | XXXX | XXXX | Borrower 1 Employer 1 Years in Line of Work | the1003Page | 8 | 100 | Per 1003 |
| XXXX | 88998298 | XXXX | XXXX | Proposed Other Financing P&I | the1008Page | XXXX | XXXX | Per 1008 |
| XXXX | 88998298 | XXXX | XXXX | Proposed Real Estate Taxes | the1008Page | XXXX | XXXX | Per 1008 |
| XXXX | 88998298 | XXXX | XXXX | Proposed Hazard Insurance | the1008Page | XXXX | XXXX | Per 1008 |
| XXXX | 89275724 | XXXX | XXXX | Amount of Other Lien | titlePage | XXXX | XXXX | Per 1003 |
| XXXX | 89275724 | XXXX | XXXX | Number of Mortgaged Properties | creditLiabilitiesPage | 1 | 2 | Per credit report. |
| XXXX | 87150104 | XXXX | XXXX | Amount of Other Lien | titlePage | XXXX | XXXX | Other lien amount verified using the most recent credit report |
| XXXX | 83909961 | XXXX | XXXX | Borrower 1 Other Income | the1003Page | XXXX | XXXX | per final 1003 |
| XXXX | 83909961 | XXXX | XXXX | All Other Payments | creditLiabilitiesPage | XXXX | XXXX | Per credit report and child support obligations. |
| XXXX | 87621953 | XXXX | XXXX | Cash Disbursement Date | finalCdDetailPage | XXXX | XXXX | Per Final CD |
| XXXX | 86136384 | XXXX | XXXX | Property Address | notePage | XXXX | XXXX | Per Note |
| XXXX | 86136384 | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Used lower value of the 2 appraisals |
| XXXX | 82165009 | XXXX | XXXX | Loan Purpose | the1003Page | Refinance | Second | Per Tape/1008 |
| XXXX | 82509642 | XXXX | XXXX | Loan Purpose | the1003Page | Refinance | Second | Per 1008 |
| XXXX | 86860762 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 86860762 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per application |
| XXXX | 86860762 | XXXX | XXXX | B1 Originator Citizenship Designation | fraudReportPage | Non Permanent Resident Alien | PermanentResidentAlien | Per citizenship documents |
| XXXX | 89491230 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | per appraisal |
| XXXX | 81312513 | XXXX | XXXX | Property City | notePage | XXXX | XXXX | Per Note |
| XXXX | 81312513 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial 1003 |
| XXXX | 81312513 | XXXX | XXXX | Qualifying CLTV | propertyValuationPage | 77.03 | 79.39 | Subject and senior liens/AVM |
| XXXX | 81312513 | XXXX | XXXX | Qualifying LTV | propertyValuationPage | 9.6 | 9.90 | Subject loan/AVM |
| XXXX | 81312513 | XXXX | XXXX | Amount of Other Lien | titlePage | XXXX | XXXX | Per Credit Report |
| XXXX | 81312513 | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Per AVM |
| XXXX | 85339463 | XXXX | XXXX | Loan Amount | notePage | XXXX | XXXX | Per Note |
| XXXX | 85339463 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per initial 1003 |
| XXXX | 89511803 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Application |
| XXXX | 89511803 | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | Lender used incorrect P&I on 1st lien |
| XXXX | 89511803 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 15.33 | 20.09 | Lender used incorrect P&I on 1st lien |
| XXXX | 81212824 | XXXX | XXXX | Loan Amount | notePage | XXXX | XXXX | Per Note |
| XXXX | 81212824 | XXXX | XXXX | Amount of Other Lien | titlePage | XXXX | XXXX | Per mortgage statement |
| XXXX | 88814940 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 44.04 | 41.82 | Audit used 1% on student loans, lender guide silent. |
| XXXX | 86035475 | XXXX | XXXX | Property Type | propertyValuationPage | Single Family Attached | Single Family Detached | Per AVM |
| XXXX | 86035475 | XXXX | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Rhino uses Vista Point guide per originator guidance |
| XXXX | 87569240 | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | Variance as lender P&I different from the 1st mtg P&I statement |
| XXXX | 85127452 | XXXX | XXXX | Amount of Other Lien | titlePage | XXXX | XXXX | Per Credit Report |
| XXXX | 82298352 | XXXX | XXXX | Cash Disbursement Date | closingDetailsNonCompliancePage | XXXX | XXXX | Per CD |
| XXXX | 82298352 | XXXX | XXXX | Amount of Other Lien | titlePage | XXXX | XXXX | per prelim title |
| XXXX | 87573298 | XXXX | XXXX | Loan Amount | notePage | XXXX | XXXX | Per Note |
| XXXX | 87573298 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial 1003 |
| XXXX | 87573298 | XXXX | XXXX | Amount of Other Lien | titlePage | XXXX | XXXX | Per 1003 |
| XXXX | 82178877 | XXXX | XXXX | Loan Amount | notePage | XXXX | XXXX | Per Note |
| XXXX | 82178877 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per Initial 1003 |
| XXXX | 82178877 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 34.86 | 38.13 | Lender includes full PITI payment for 1st lien P&I. |
| XXXX | 83645628 | XXXX | XXXX | Amount of Other Lien | titlePage | XXXX | XXXX | Per mortgage statement |
| XXXX | 85080571 | XXXX | XXXX | Loan Amount | notePage | XXXX | XXXX | Per Note |
| XXXX | 85080571 | XXXX | XXXX | Amount of Other Lien | titlePage | XXXX | XXXX | Per mortgage statement |
| XXXX | 85080571 | XXXX | XXXX | Qualifying Total Housing Expense PITIA | diligenceFinalLookPage | XXXX | XXXX | Audit utilized higher hazard insurance payment |
| XXXX | 82407192 | XXXX | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Per lender. |
| XXXX | 82407192 | XXXX | XXXX | Qualifying FICO | creditLiabilitiesPage | 731 | 722 | Per Guides, use Higher Wage Earner Mid Score |
| XXXX | 82407192 | XXXX | XXXX | Calculated DSCR | diligenceFinalLookPage | 0 | 0.39 | Not DSCR loan |
| XXXX | 81247134 | XXXX | XXXX | Loan Amount | notePage | XXXX | XXXX | Per Note |
| XXXX | 81247134 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per initial 1003 |
| XXXX | 81247134 | XXXX | XXXX | Property Type | propertyValuationPage | PUD | Attached | Per appraisal |
| XXXX | 81247134 | XXXX | XXXX | Amount of Other Lien | titlePage | XXXX | XXXX | Per 1008 |
| XXXX | 81247134 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 46.11 | 42.97 | Variance due to Audit calculating lower income |
| XXXX | 85513275 | XXXX | XXXX | Loan Amount | notePage | XXXX | XXXX | Per Note. |
| XXXX | 86413740 | XXXX | XXXX | Subject Property Gross Rental income | businessPurposePage | XXXX | XXXX | Per lease agreement |
| XXXX | 80277119 | XXXX | XXXX | Loan Amount | notePage | XXXX | XXXX | Per Note. |
| XXXX | 85092407 | XXXX | XXXX | Loan Amount | notePage | XXXX | XXXX | Per note |
| XXXX | 85092407 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per 1003 |
| XXXX | 85092407 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 40.82 | 35.49 | Audit calculated a higher primary payment and negative rental income |
| XXXX | 85118398 | XXXX | XXXX | Loan Amount | notePage | XXXX | XXXX | Per Note |
| XXXX | 85118398 | XXXX | XXXX | Qualifying CLTV | propertyValuationPage | 84.49 | 85.00 | Per mortgage statement |
| XXXX | 88038417 | XXXX | XXXX | Loan Amount | notePage | XXXX | XXXX | Per Note |
| XXXX | 88038417 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per initial 1003 - earliest signature. |
| XXXX | 85846657 | XXXX | XXXX | Vested Business Entity Name | deedOfTrustPage | XXXX | XXXX | per DOT |
| XXXX | 85846657 | XXXX | XXXX | Qualifying FICO | creditLiabilitiesPage | 799 | 784 | Per Credit Report. |
| XXXX | 85130806 | XXXX | XXXX | Amortization Term | notePage | 240 | 120 | Per Note |
| XXXX | 85130806 | XXXX | XXXX | Qualifying FICO | creditLiabilitiesPage | 787 | 767 | Per 1008 |
| XXXX | 85130806 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.62 | 51.32 | Audit DTI within 2% of the 1008 |
| XXXX | 82597614 | XXXX | XXXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached | per appraisal |
| XXXX | 82597614 | XXXX | XXXX | Qualifying FICO | creditLiabilitiesPage | 798 | 810 | per credit report |
| XXXX | 89790773 | XXXX | XXXX | Business Purpose Flag | businessPurposePage | Yes | No | investment property |
| XXXX | 89790773 | XXXX | XXXX | Qualifying FICO | creditLiabilitiesPage | 774 | 746 | Per credit report. |
| XXXX | 80654149 | XXXX | XXXX | Business Purpose Flag | businessPurposePage | Yes | No | BP cert in file |
| XXXX | 80654149 | XXXX | XXXX | Qualifying FICO | creditLiabilitiesPage | 777 | 799 | Per credit report mid score. |
| XXXX | 80654149 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 47.94 | 49.30 | Final 1003 & review used leases to offset REO PITIA. 1008 figure appear to not use rental offsets. |
| XXXX | 85733202 | XXXX | XXXX | Property Type | propertyValuationPage | Townhouse | Attached | Per appraisal |
| XXXX | 85733202 | XXXX | XXXX | Primary Appraised Property Value | propertyValuationPage | XXXX | XXXX | Per appraisal |
| XXXX | 82845602 | XXXX | XXXX | Property Type | propertyValuationPage | PUD | Single Family Detached | Per appraisal |
| XXXX | 85012958 | XXXX | XXXX | Verified Doc Type | employmentIncomePage | 2YR Full Doc | Full Doc (1 Year) | Per income documents |
| XXXX | 89208198 | XXXX | XXXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | Per tape |
| XXXX | 81445369 | XXXX | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 42.5 | 46.12 | As per audit, previous PITIA amount for 1st lien counted escrow amount twice. |

---

## Exhibit 99.2

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.2 - Schedule 3**

---

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| XXXX | 86805874 | XXXX D A | Closed | FCRE5782 | 2026-01-06 14:52 | 2026-01-08 17:29 | 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-01/08/2026 <br>Ready for Review-Document Uploaded. Hello, please see attached. It was included in the CP - Seller-01/07/2026 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-01/06/2026 | Ready for Review-Document Uploaded. Hello, please see attached. It was included in the CP - Seller-01/07/2026<br>| Resolved-Received Borrower 1 Gap Credit Report - Due Diligence Vendor-01/08/2026<br>| CLTV is less than guidelines maximum - LTV 70.18% max 80%. Required is 80 Borrower has 70.18<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 724; min score 680. Required is 680 Borrower has 724 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6942534 |
| XXXX | 86805874 | XXXX D A | Closed | FCRE5783 | 2026-01-06 14:52 | 2026-01-08 17:29 | 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-01/08/2026 <br>Ready for Review-Document Uploaded. Hello, please see attached. It was included in the CP - Seller-01/07/2026 <br>Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-01/06/2026 | Ready for Review-Document Uploaded. Hello, please see attached. It was included in the CP - Seller-01/07/2026<br>| Resolved-Received Borrower 2 Gap Credit Report - Due Diligence Vendor-01/08/2026<br>| CLTV is less than guidelines maximum - LTV 70.18% max 80%. Required is 80 Borrower has 70.18<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 724; min score 680. Required is 680 Borrower has 724 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6942535 |
| XXXX | 86805874 | XXXX D A | Closed | FCRE0151 | 2026-01-07 11:46 | 2026-01-08 17:28 | Resolved | 1 - Information C A | Credit | Eligibility | Unpaid taxes on subject property | Resolved-Received evidence taxes are current. - Due Diligence Vendor-01/08/2026 <br>Ready for Review-Document Uploaded. Hello, please see attached. It was included in the CP - Seller-01/07/2026 <br>Open-The subject property is not current on taxes. Per title, no proof paid. - Due Diligence Vendor-01/07/2026 | Ready for Review-Document Uploaded. Hello, please see attached. It was included in the CP - Seller-01/07/2026<br>| Resolved-Received evidence taxes are current. - Due Diligence Vendor-01/08/2026<br>| CLTV is less than guidelines maximum - LTV 70.18% max 80%. Required is 80 Borrower has 70.18<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 724; min score 680. Required is 680 Borrower has 724 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6961673 |
| XXXX | 86805874 | XXXX D A | Closed | FCRE1159 | 2026-01-06 13:58 | 2026-01-08 17:27 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received PCCD, Disbursement date is XXXX - Due Diligence Vendor-01/08/2026 <br> Ready for Review-Document Uploaded. Hello, please see attached the Post Consummation CD and Final Settlement Statement showing the loan disbursement on XXXX - Seller-01/07/2026 <br> Open-Hazard Insurance Effective Date of XXXX5 is after the Note Date of XXXX Funded XXXX - Due Diligence Vendor-01/07/2026 | Ready for Review-Document Uploaded. Hello, please see attached the Post Consummation CD and Final Settlement Statement showing the loan disbursement on XXXX - Seller-01/07/2026 | Resolved-Received PCCD, Disbursement date is XXXX - Due Diligence Vendor-01/08/2026 | CLTV is less than guidelines maximum - LTV 70.18% max 80%. Required is 80 Borrower has 70.18<br>Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 724; min score 680. Required is 680 Borrower has 724 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6941154 |
| XXXX | 87408193 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 81339711 | XXXX D A | Closed | FCRE1254 | 2026-01-06 10:50 | 2026-01-12 09:42 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received confirmation both 8 and 9 removed. - Due Diligence Vendor-01/12/2026 <br>Ready for Review-Document Uploaded. Please see attached the PIL showing the item 8 & 9 will not showing on the Final Title Policy. It was included on the CP. Thank you - Seller-01/09/2026 <br>Counter-Received Trust Cert and QCD. Missing Property Title Issue- Items #8 and #9 per supplement being removed. email acceptable as well - Due Diligence Vendor-01/09/2026 <br>Ready for Review-Document Uploaded. Hello Team, please see attached the Trust Cert and Quit Claim Deed. Thank you - Seller-01/08/2026 <br>Open-Property Title Issue- Items #8 and #9 per supplement being removed. For items #11 and #12, we need copy of Quit claim Deed and copy of Trust documentation. - Due Diligence Vendor-01/06/2026 | Ready for Review-Document Uploaded. Please see attached the PIL showing the item 8 & 9 will not showing on the Final Title Policy. It was included on the CP. Thank you - Seller-01/09/2026 <br>Ready for Review-Document Uploaded. Hello Team, please see attached the Trust Cert and Quit Claim Deed. Thank you - Seller-01/08/2026<br>| Resolved-Received confirmation both 8 and 9 removed. - Due Diligence Vendor-01/12/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 768; minimum score 720. Required is 720 Borrower has 768<br>Qualifying DTI below maximum allowed - Qualifying DTI 33.52%; max 50%. Required is 50 Borrower has 33.52 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6934306 |
| XXXX | 81339711 | XXXX D A | Closed | FCRE7497 | 2026-01-06 12:23 | 2026-01-09 16:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received PITIA validation for 3b and 3d - Due Diligence Vendor-01/09/2026 <br>Ready for Review-Document Uploaded. Hello Team, the Mortgage statement showing the tax and insurance impound. So we dont need it. Please waive this condition. Thank you - Seller-01/08/2026 <br>Open-Missing verification of taxes, insurance, and/or HOA fees for non-subject property - Missing HOA's for 3b-3d. - Due Diligence Vendor-01/07/2026 | Ready for Review-Document Uploaded. Hello Team, the Mortgage statement showing the tax and insurance impound. So we dont need it. Please waive this condition. Thank you - Seller-01/08/2026<br>| Resolved-Received PITIA validation for 3b and 3d - Due Diligence Vendor-01/09/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 768; minimum score 720. Required is 720 Borrower has 768<br>Qualifying DTI below maximum allowed - Qualifying DTI 33.52%; max 50%. Required is 50 Borrower has 33.52 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6938469 |
| XXXX | 81339711 | XXXX D A | Closed | FCRE0184 | 2026-01-06 12:33 | 2026-01-08 17:28 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Cash-out Letter on a Business Purpose Loan | Resolved-Received purpose of cash out LOE. - Due Diligence Vendor-01/08/2026 <br>Ready for Review-Document Uploaded. Hello, please see attached, it was included in the CP - Seller-01/07/2026 <br>Open-The guidelines, for stand-alone cash-out loans, state a letter of explanation regarding the use of loan funds must be provided for cash-out refinance transactions. The cash-out letter is missing from the file. - Due Diligence Vendor-01/07/2026 | Ready for Review-Document Uploaded. Hello, please see attached, it was included in the CP - Seller-01/07/2026<br>| Resolved-Received purpose of cash out LOE. - Due Diligence Vendor-01/08/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 768; minimum score 720. Required is 720 Borrower has 768<br>Qualifying DTI below maximum allowed - Qualifying DTI 33.52%; max 50%. Required is 50 Borrower has 33.52 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6938696 |
| XXXX | 81339711 | XXXX D A | Closed | FCRE1748 | 2026-01-06 13:15 | 2026-01-08 17:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Certificate of Occupancy | Resolved-Received Occupancy Certification. - Due Diligence Vendor-01/08/2026 <br>Ready for Review-Document Uploaded. Hello, please see attached, it was included in the CP. Thanks - Seller-01/07/2026 <br>Open-Missing occupancy affidavit. Subject is an invesment property. - Due Diligence Vendor-01/07/2026 | Ready for Review-Document Uploaded. Hello, please see attached, it was included in the CP. Thanks - Seller-01/07/2026<br>| Resolved-Received Occupancy Certification. - Due Diligence Vendor-01/08/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 768; minimum score 720. Required is 720 Borrower has 768<br>Qualifying DTI below maximum allowed - Qualifying DTI 33.52%; max 50%. Required is 50 Borrower has 33.52 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6939942 |
| XXXX | 80591817 | XXXX D A | Closed | FCRE8888 | 2026-01-09 14:58 | 2026-01-16 11:06 | Resolved | 1 - Information C A | Credit | Eligibility | Missing First Mtg Note | Resolved-The mortgage statement provided confirms the senior lien is a fixed 30 year loan, which meets the senior lien guides. - Due Diligence Vendor-01/16/2026 <br>Counter-A copy of the 1st lien note is required to confirm eligible. Must not be ineligible senior lien as noted in guideline 2.3. - Due Diligence Vendor-01/15/2026 <br>Ready for Review-Document Uploaded. Hello team, the 1st lien is showing on the credit report and we dont need the 1st Note. Please help to review and waive this condition. Thank you - Seller-01/14/2026 <br>Counter-Received subject Note. Missing 1st Lien Note on Subject. - Due Diligence Vendor-01/13/2026 <br>Ready for Review-Document Uploaded. Hello, please see attached, it was included on the CP. Thank you - Seller-01/12/2026 <br>Open-Missing First Mtg Note. Missing copy of the First Lien Note. - Due Diligence Vendor-01/09/2026 | Ready for Review-Document Uploaded. Hello team, the 1st lien is showing on the credit report and we dont need the 1st Note. Please help to review and waive this condition. Thank you - Seller-01/14/2026 <br>Ready for Review-Document Uploaded. Hello, please see attached, it was included on the CP. Thank you - Seller-01/12/2026<br>| Resolved-The mortgage statement provided confirms the senior lien is a fixed 30 year loan, which meets the senior lien guides. - Due Diligence Vendor-01/16/2026<br>| Qualifying DTI below maximum allowed - DTI is 37.89% and max allowed is 50% Required is 50 Borrower has 37.89<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 778 and minimum allowed is 720 Required is 720 Borrower has 778 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7013905 |
| XXXX | 80591817 | XXXX D A | Closed | FCRE1764 | 2026-01-09 13:40 | 2026-01-15 15:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved-Received PITIA validation. - Due Diligence Vendor-01/15/2026 <br>Ready for Review-Document Uploaded. Hello Team, please see attached the PP and mortgage statement showing the original loan amount matching for these properities. - Seller-01/14/2026 <br>Counter-Received Notes for 3c and 3e. Review is unable to confirm PNC accounts for 3f and 3g. Statements provided do not reflect property address. - Due Diligence Vendor-01/13/2026 <br>Ready for Review-Document Uploaded. Hello Team, please see attached. There were included in the CP. Thank you - Seller-01/12/2026 <br>Open-Missing Verification of Mortgage for REO 3c,3e, 3f, and 3g . (need VOM, Final CD or a Mortgage Statement to support mortgage payment on the final 1003) - Due Diligence Vendor-01/09/2026 | Ready for Review-Document Uploaded. Hello Team, please see attached the PP and mortgage statement showing the original loan amount matching for these properities. - Seller-01/14/2026 <br>Ready for Review-Document Uploaded. Hello Team, please see attached. There were included in the CP. Thank you - Seller-01/12/2026<br>| Resolved-Received PITIA validation. - Due Diligence Vendor-01/15/2026<br>| Qualifying DTI below maximum allowed - DTI is 37.89% and max allowed is 50% Required is 50 Borrower has 37.89<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 778 and minimum allowed is 720 Required is 720 Borrower has 778 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7012244 |
| XXXX | 80591817 | XXXX D A | Closed | FCRE7497 | 2026-01-09 12:38 | 2026-01-13 16:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received re taxes - Due Diligence Vendor-01/13/2026 <br>Ready for Review-Document Uploaded. Hello, please see attached, thank you - Seller-01/12/2026 <br>Open-Missing verification of taxes, for non-subject property 3h. - Due Diligence Vendor-01/09/2026 | Ready for Review-Document Uploaded. Hello, please see attached, thank you - Seller-01/12/2026<br>| Resolved-Received re taxes - Due Diligence Vendor-01/13/2026<br>| Qualifying DTI below maximum allowed - DTI is 37.89% and max allowed is 50% Required is 50 Borrower has 37.89<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 778 and minimum allowed is 720 Required is 720 Borrower has 778 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7011145 |
| XXXX | 80591817 | XXXX D A | Closed | FCRE8887 | 2026-01-12 10:58 | 2026-01-13 15:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing or Incomplete 1003 | Resolved-Received correct final 1003 - Due Diligence Vendor-01/13/2026 <br>Ready for Review-Document Uploaded. Hello, please see attached, it was included on CP. Thank you - Seller-01/12/2026 <br>Open-Missing Final 1003 reflecting correction to question 5A on Declarations to "no" - Due Diligence Vendor-01/12/2026 | Ready for Review-Document Uploaded. Hello, please see attached, it was included on CP. Thank you - Seller-01/12/2026<br>| Resolved-Received correct final 1003 - Due Diligence Vendor-01/13/2026<br>| Qualifying DTI below maximum allowed - DTI is 37.89% and max allowed is 50% Required is 50 Borrower has 37.89<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 778 and minimum allowed is 720 Required is 720 Borrower has 778 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7041842 |
| XXXX | 88252267 | XXXX C A | Closed | FCRE0044 | 2025-12-22 10:36 | 2025-12-29 16:47 | 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 credit documentation. - Due Diligence Vendor-12/29/2025 <br> Ready for Review-The credit inquiry was on XXXX and it was over 90 days. The credit report dated on XXXX. Please waive this condition. Thank you - Seller-12/24/2025 <br> Open-LOX for credit inquiries is missing. The credit report reflects an inquiry within 90 days and a letter of explanation is missing from the loan file. - Due Diligence Vendor-12/23/2025 | Ready for Review-The credit inquiry was on XXXX and it was over 90 days. The credit report dated on XXXX. Please waive this condition. Thank you - Seller-12/24/2025 | Resolved-Upon further review, the loan file contained all required credit documentation. - Due Diligence Vendor-12/29/2025<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - $14,000 residual income exceeds $5250.<br>Qualifying DTI below maximum allowed - Required is 50. Borrower has 41.78. Required is 50 Borrower has 41.78 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6734393 |
| XXXX | 88252267 | XXXX C A | Closed | finding-47 | 2025-12-19 13:41 | 2025-12-29 09:58 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-----Received PCCD dated XXXX. Finding Resolved. - Due Diligence Vendor-12/29/2025 <br> Ready for Review-Document Uploaded. Hello Team, please see attached the Final SS and Post Consummation showing the loan disbursement on XXXX. Thank you - Seller-12/24/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. ----- Provide PCCD with disbursement date after the ROR expiration date - Due Diligence Vendor-12/19/2025 | Ready for Review-Document Uploaded. Hello Team, please see attached the Final SS and Post Consummation showing the loan disbursement on XXXX. Thank you - Seller-12/24/2025 | Resolved-----Received PCCD dated XXXX. Finding Resolved. - Due Diligence Vendor-12/29/2025 | Residual Income =/> 1.5 times $3,500 monthly residual income - $14,000 residual income exceeds $5250.<br>Qualifying DTI below maximum allowed - Required is 50. Borrower has 41.78. Required is 50 Borrower has 41.78 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6710039 |
| XXXX | 88759455 | XXXX D A C | Closed | FCRE1328 | 2026-01-12 16:17 | 2026-01-12 17:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 W2/1099 Missing | Resolved-Borrower's XXXX W-2 was provided. - Due Diligence Vendor-01/12/2026 <br> Ready for Review-Document Uploaded. Client provided XXXX W-2 - Due Diligence Vendor-01/12/2026 <br> Open-Borrower 1 W2/1099 Missing The guidelines require a previous year W-2 or W-2 transcripts; however, only a WVOE was provided for the borrower's prior employment stating an annual income. - Due Diligence Vendor-01/12/2026 |  | Resolved-Borrower's XXXX W-2 was provided. - Due Diligence Vendor-01/12/2026 | CLTV is less than guidelines maximum - Required is 90 Borrower has 79.98<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 739 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7050057 |
| XXXX | 88759455 | XXXX D A C | Closed | FCRE0970 | 2026-01-08 06:39 | 2026-01-09 10:51 | Resolved | 1 - Information C A | Credit | Eligibility | Appraisal has issues (credit) | Resolved-Full report provided - Due Diligence Vendor-01/09/2026 <br>Ready for Review-Document Uploaded. Hello, please see attached, thank you - Seller-01/08/2026 <br>Open-Appraisal is cut off at the bottom of the pages and cannot see whether appraisal was marked on an As Is Basis, as well as see the appraisal value. - Due Diligence Vendor-01/08/2026 | Ready for Review-Document Uploaded. Hello, please see attached, thank you - Seller-01/08/2026<br>| Resolved-Full report provided - Due Diligence Vendor-01/09/2026<br>| CLTV is less than guidelines maximum - Required is 90 Borrower has 79.98<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 739 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6977277 |
| XXXX | 88759455 | XXXX D A C | Closed | finding-47 | 2026-01-06 18:25 | 2026-01-09 09:33 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved------Received PCCD dated XXXX. Finding Resolved. - Due Diligence Vendor-01/09/2026 <br> Ready for Review-Document Uploaded. Hello, please see attached the Final SS and Post Consummation CD showing the loan disbursement on XXXX. Thank you - Seller-01/08/2026 <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-01/06/2026 | Ready for Review-Document Uploaded. Hello, please see attached the Final SS and Post Consummation CD showing the loan disbursement on XXXX. Thank you - Seller-01/08/2026 | Resolved------Received PCCD dated XXXX. Finding Resolved. - Due Diligence Vendor-01/09/2026 | CLTV is less than guidelines maximum - Required is 90 Borrower has 79.98<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 739 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6946912 |
| XXXX | 89088275 | XXXX C A | Closed | FCRE1506 | 2025-12-29 15:39 | 2026-03-23 16:58 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received complete 24 employment history. - Due Diligence Vendor-01/02/2026 <br> Ready for Review-Document Uploaded. Hello Team, please see attached the Post Consummation CD and Final SS showing the loan disbursement on XXXX. Thank you - Seller-12/31/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. - Due Diligence Vendor-12/29/2025 | Ready for Review-Document Uploaded. Hello Team, please see attached the Post Consummation CD and Final SS showing the loan disbursement on XXXX. Thank you - Seller-12/31/2025 | Resolved-Received complete 24 employment history. - Due Diligence Vendor-01/02/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 701 and minimum allowed is 660. Required is 660 Borrower has 701<br>Qualifying DTI below maximum allowed - DTI is 44.18% and max allowed is 50% Required is 50 Borrower has 44.18<br>CLTV is less than guidelines maximum - CLTV is 43.53% and max allowed is 90% Required is 90 Borrower has 43.53 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6840366 |
| XXXX | 89088275 | XXXX C A | Closed | FCRE1317 | 2025-12-29 15:20 | 2026-01-02 15:35 | Resolved | 1 - Information C A | Credit | Income/Employment | Borrower 1 Total Years Employment Verified is Less Than 24 Months | Resolved-Received 1003 reflecting employment dates for previous employment acceptable for 1 year employment validation. - Due Diligence Vendor-01/02/2026 <br>Ready for Review-Document Uploaded. Hello Team, we have uploaded the updated final 1003 showing completed 2 years employment history. Please waive this condition<br> - Seller-12/30/2025 <br>Open-Borrower 1 Total Years Employment Verified is Less Than 24 Months . Missing a complete 2 year verification of employment for the borrower for the prior job. - Due Diligence Vendor-12/29/2025 | Ready for Review-Document Uploaded. Hello Team, we have uploaded the updated final 1003 showing completed 2 years employment history. Please waive this condition<br> - Seller-12/30/2025<br>| Resolved-Received 1003 reflecting employment dates for previous employment acceptable for 1 year employment validation. - Due Diligence Vendor-01/02/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 701 and minimum allowed is 660. Required is 660 Borrower has 701<br>Qualifying DTI below maximum allowed - DTI is 44.18% and max allowed is 50% Required is 50 Borrower has 44.18<br>CLTV is less than guidelines maximum - CLTV is 43.53% and max allowed is 90% Required is 90 Borrower has 43.53 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6839885 |
| XXXX | 89088275 | XXXX C A | Closed | finding-47 | 2025-12-23 14:36 | 2026-01-02 08:14 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved------Received PCCD XXXX, disbursement date XXXX. Finding resolved. - Due Diligence Vendor-01/02/2026 <br> Ready for Review-Document Uploaded. Hello Team, please see attached the Post Consummation CD and Final SS showing the loan disbursement on 12/18/2025. Thank you - Seller-12/31/2025 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. -----Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-12/23/2025 | Ready for Review-Document Uploaded. Hello Team, please see attached the Post Consummation CD and Final SS showing the loan disbursement on XXXX. Thank you - Seller-12/31/2025 | Resolved------Received PCCD XXXX, disbursement date XXXX. Finding resolved. - Due Diligence Vendor-01/02/2026 | Qualifying FICO score is at least 20 points above minimum for program - Score is 701 and minimum allowed is 660. Required is 660 Borrower has 701<br>Qualifying DTI below maximum allowed - DTI is 44.18% and max allowed is 50% Required is 50 Borrower has 44.18<br>CLTV is less than guidelines maximum - CLTV is 43.53% and max allowed is 90% Required is 90 Borrower has 43.53 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6768320 |
| XXXX | 89709288 | XXXX C A | Closed | FCRE1159 | 2026-02-17 12:29 | 2026-02-20 15:37 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received PCCD confirming disbursement date XXXX. - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Document Uploaded. Hello Team, please see attached the Post Consummation CD and Final SS showing the loan funded on XXXX. Thank you - Seller-02/18/2026 <br> Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX The HOI policy for the subject property has an effective date of XXXX, which is after the loan closed, and the current homeowner's policy was not provided. Lender to provide evidence of sufficient insurance coverage from the time the loan closed and the new policy went into effect, listing the lender on the Note as the loss payee. Additional conditions may apply. - Due Diligence Vendor-02/17/2026 | Ready for Review-Document Uploaded. Hello Team, please see attached the Post Consummation CD and Final SS showing the loan funded on XXXX. Thank you - Seller-02/18/2026 | Resolved-Received PCCD confirming disbursement date XXXX. - Due Diligence Vendor-02/20/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.98<br>On time mortgage history exceeds guideline requirement - Guides state 0x30x12 On all mortgages for all borrowers / Borrower has 0x30x55 months per credit report. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7658416 |
| XXXX | 89709288 | XXXX C A | Closed | finding-47 | 2026-02-11 08:21 | 2026-02-20 09:12 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved------Received PCCD XXXX, disbursement date XXXX. Finding resolved. - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Document Uploaded. Hello Team, please see attached the Post Consummation CD and Final SS showing the loan funded on XXXX. Thank you - Seller-02/18/2026 <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-02/11/2026 | Ready for Review-Document Uploaded. Hello Team, please see attached the Post Consummation CD and Final SS showing the loan funded on XXXX. Thank you - Seller-02/18/2026 | Resolved------Received PCCD XXXX, disbursement date XXXX. Finding resolved. - Due Diligence Vendor-02/20/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.98<br>On time mortgage history exceeds guideline requirement - Guides state 0x30x12 On all mortgages for all borrowers / Borrower has 0x30x55 months per credit report. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7556277 |
| XXXX | 87170745 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 89932839 | XXXX D A C | Closed | FCRE1440 | 2026-01-22 13:21 | 2026-02-05 10:13 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received 12 month Mortgage statements in lieu of cancelled checks. - Due Diligence Vendor-02/05/2026 <br>Ready for Review-Document Uploaded. Guidelines state that a VOM from an institutional lender is required. 12 months statement showing payments to institutional lender was provided. Please help clear the condition. - Seller-02/03/2026 <br>Counter-Received mortgage statements. Missing proof borrower has paid mortgage. Must provide cancelled checks (or proof of automatic payments) for most recent 6 months to meet guideline requirements. - Due Diligence Vendor-01/29/2026 <br>Ready for Review-Document Uploaded. 12 months mortgage rating is included in the CP. Thank you - Seller-01/28/2026 <br>Open-Housing History Does Not Meet Guideline Requirements As Borrower legally inherited the subject property and 6 months of reporting for the current senior lien is not on credit- provide cancelled checks (or proof of automatic payments) for most recent 6 months to meet guideline requirements. - Due Diligence Vendor-01/22/2026 | Ready for Review-Document Uploaded. Guidelines state that a VOM from an institutional lender is required. 12 months statement showing payments to institutional lender was provided. Please help clear the condition. - Seller-02/03/2026 <br>Ready for Review-Document Uploaded. 12 months mortgage rating is included in the CP. Thank you - Seller-01/28/2026<br>| Resolved-Received 12 month Mortgage statements in lieu of cancelled checks. - Due Diligence Vendor-02/05/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660. Borrower has 687. Required is 660 Borrower has 687<br>CLTV is less than guidelines maximum - Required is 65, Borrower has 53.89. Required is 65 Borrower has 53.89 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7249514 |
| XXXX | 89932839 | XXXX D A C | Closed | FCRE1152 | 2026-01-23 07:53 | 2026-01-29 16:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received corrected 1008 and 1003 - Due Diligence Vendor-01/29/2026 <br> Ready for Review-Document Uploaded. Hello Team, the corrected property tax is only XXXX. We have updated the final 1003 and 1008 showing it. Thank you - Seller-01/28/2026 <br> Open-Missing Evidence of Property Tax Title reflects taxes of XXXX per month. Lender used XXXX per month. Provided documentation to support higher tax amount being used. - Due Diligence Vendor-01/23/2026 | Ready for Review-Document Uploaded. Hello Team, the corrected property tax is only XXXX. We have updated the final 1003 and 1008 showing it. Thank you - Seller-01/28/2026 | Resolved-Received corrected 1008 and 1003 - Due Diligence Vendor-01/29/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660. Borrower has 687. Required is 660 Borrower has 687<br>CLTV is less than guidelines maximum - Required is 65, Borrower has 53.89. Required is 65 Borrower has 53.89 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7265443 |
| XXXX | 89932839 | XXXX D A C | Closed | FCRE7497 | 2026-01-22 13:23 | 2026-01-29 16:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received validation of HOA, corrected 1003 and 1008 - Due Diligence Vendor-01/29/2026 <br> Ready for Review-Document Uploaded. Hello team, please see attached the HOA statement XXXX and we have updated the final 1003 and 1008 showing the correct info. Thank you - Seller-01/28/2026 <br> Open-Provide HOA stmt for XXXX. Final 1003 reflects XXXX but no supporting documentation is in file to verify this figure. - Due Diligence Vendor-01/22/2026 | Ready for Review-Document Uploaded. Hello team, please see attached the HOA statement XXXX and we have updated the final 1003 and 1008 showing the correct info. Thank you - Seller-01/28/2026 | Resolved-Received validation of HOA, corrected 1003 and 1008 - Due Diligence Vendor-01/29/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660. Borrower has 687. Required is 660 Borrower has 687<br>CLTV is less than guidelines maximum - Required is 65, Borrower has 53.89. Required is 65 Borrower has 53.89 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7249560 |
| XXXX | 89932839 | XXXX D A C | Closed | finding-47 | 2026-01-20 10:47 | 2026-01-29 10:48 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-----Received PCCD dated XXXX. Finding Resolved. - Due Diligence Vendor-01/29/2026 <br> Ready for Review-Document Uploaded. Hello team, please see attached the Final SS and Post Consummation CD showing the loan disbursement on XXXX. Thank you - Seller-01/28/2026 <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-01/20/2026 | Ready for Review-Document Uploaded. Hello team, please see attached the Final SS and Post Consummation CD showing the loan disbursement on XXXX. Thank you - Seller-01/28/2026 | Resolved-----Received PCCD dated XXXX. Finding Resolved. - Due Diligence Vendor-01/29/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660. Borrower has 687. Required is 660 Borrower has 687<br>CLTV is less than guidelines maximum - Required is 65, Borrower has 53.89. Required is 65 Borrower has 53.89 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7179766 |
| XXXX | 81562397 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 88516942 | XXXX D A C | Closed | FCRE1316 | 2026-02-20 11:54 | 2026-03-02 15:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received tax preparer letter. - Due Diligence Vendor-03/02/2026 <br> Ready for Review-Document Uploaded. Hello Team, please see attached, thank you - Seller-02/27/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing . Self-Employed require existence of business within 30-days of the note date. XXXX letter is outside 30 days. - Due Diligence Vendor-02/24/2026 | Ready for Review-Document Uploaded. Hello Team, please see attached, thank you - Seller-02/27/2026<br>| Resolved-Received tax preparer letter. - Due Diligence Vendor-03/02/2026<br>| Credit history exceeds minimum required - Credit history exceeds minimum required by 0x30>than 96 months.<br>Qualifying DTI below maximum allowed - DTI is 40.28% and max allowed is 50% Required is 50 Borrower has 40.28 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7724163 |
| XXXX | 88516942 | XXXX D A C | Closed | finding-3634 | 2026-02-19 09:20 | 2026-03-02 08:17 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received PCCD XXXX with lender credit. Finding resolved. - Due Diligence Vendor-03/02/2026 <br> Ready for Review-Document Uploaded. Hello Team, please see attached, thank you - Seller-02/27/2026 <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 $75.00.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 $75.00 (Appraisal Fee) without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $75.00, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: XXXX. - Due Diligence Vendor-02/19/2026 | Ready for Review-Document Uploaded. Hello Team, please see attached, thank you - Seller-02/27/2026<br>| Resolved-Received PCCD XXXX with lender credit. Finding resolved. - Due Diligence Vendor-03/02/2026 | Credit history exceeds minimum required - Credit history exceeds minimum required by 0x30>than 96 months.<br>Qualifying DTI below maximum allowed - DTI is 40.28% and max allowed is 50% Required is 50 Borrower has 40.28 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7696105 |
| XXXX | 89921362 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 87614965 | XXXX D A | Closed | FCRE1232 | 2026-03-03 04:15 | 2026-04-03 10:32 | Resolved | 1 - Information C A | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Resolved-Lender requested loan to be reviewed to new guides, therefore, this finding is no longer valid.<br> - Due Diligence Vendor-03/09/2026 <br>Counter-File submitted as DSCR and Tape reflects DSCR. Original finding remains - Due Diligence Vendor-03/04/2026 <br>Ready for Review-Hello Team, this loan is not DSCR. This is the second loan for investment property - Seller-03/03/2026 <br>Open-The Calculated DSCR of '0.864' is less than the minimum DSCR per lender guidelines of '1'. Minimum of 1 is required per guidelines - Due Diligence Vendor-03/03/2026 | Ready for Review-Hello Team, this loan is not DSCR. This is the second loan for investment property - Seller-03/03/2026<br>| Resolved-Lender requested loan to be reviewed to new guides, therefore, this finding is no longer valid.<br> - Due Diligence Vendor-03/09/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 790<br>Qualifying DTI below maximum allowed - DTI 35.37% is lower than required 50% |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7889345 |
| XXXX | 87614965 | XXXX D A | Closed | FCRE1325 | 2026-03-09 11:12 | 2026-03-09 14:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-CPA letter and EA verification provided. - Due Diligence Vendor-03/09/2026 <br>Ready for Review-Document Uploaded. Please see attached - Seller-03/09/2026 <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 CTEC registered tax preparer. - Due Diligence Vendor-03/09/2026 | Ready for Review-Document Uploaded. Please see attached - Seller-03/09/2026<br>| Resolved-CPA letter and EA verification provided. - Due Diligence Vendor-03/09/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 790<br>Qualifying DTI below maximum allowed - DTI 35.37% is lower than required 50% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7997867 |
| XXXX | 87614965 | XXXX D A | Closed | FCRE1316 | 2026-03-09 11:12 | 2026-03-09 14:52 | 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-03/09/2026 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-03/09/2026 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/09/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 790<br>Qualifying DTI below maximum allowed - DTI 35.37% is lower than required 50% |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7997866 |
| XXXX | 87614965 | XXXX D A | Closed | FCRE1182 | 2026-03-02 08:39 | 2026-03-09 12:07 | Resolved | 1 - Information B A | Credit | Missing Doc | Approval/Underwriting Summary Not Provided | Resolved-1008 provide with P&L income. Lender requested loan to be reviewed to new guides. - Due Diligence Vendor-03/09/2026 <br>Counter-Received 1008 with qualifying income and ratios. Submitted as DSCR. Provide correct final 1008 - Due Diligence Vendor-03/04/2026 <br>Ready for Review-Document Uploaded. Hello, please see attached, thank you - Seller-03/03/2026 <br>Open-Missing Approval/Underwriting Summary. Missing copy of the Approval OR fully completed 1008. - Due Diligence Vendor-03/02/2026 | Ready for Review-Document Uploaded. Hello, please see attached, thank you - Seller-03/03/2026<br>| Resolved-1008 provide with P&L income. Lender requested loan to be reviewed to new guides. - Due Diligence Vendor-03/09/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 790<br>Qualifying DTI below maximum allowed - DTI 35.37% is lower than required 50% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7869369 |
| XXXX | 87614965 | XXXX D A | Closed | FCRE0140 | 2026-03-02 08:44 | 2026-03-09 11:58 | Resolved | 1 - Information C A | Credit | Eligibility | DSCR loan does not meet program guidelines | Resolved-Lender requested loan to be reviewed to new guides, therefore, this finding is no longer valid.<br> - Due Diligence Vendor-03/09/2026 <br>Counter-File submitted as DSCR and Tape reflects DSCR. Original finding remains - Due Diligence Vendor-03/04/2026 <br>Ready for Review-Hello Team, this loan is not DSCR. This is the second loan for investment property - Seller-03/03/2026 <br>Open-Borrower is a Non Perm Resident Alien and not allowed under the DSCR program - Due Diligence Vendor-03/03/2026 | Ready for Review-Hello Team, this loan is not DSCR. This is the second loan for investment property - Seller-03/03/2026<br>| Resolved-Lender requested loan to be reviewed to new guides, therefore, this finding is no longer valid.<br> - Due Diligence Vendor-03/09/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 790<br>Qualifying DTI below maximum allowed - DTI 35.37% is lower than required 50% |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7869514 |
| XXXX | 87614965 | XXXX D A | Closed | FCRE0201 | 2026-03-02 08:08 | 2026-03-04 13:20 | Resolved | 1 - Information C A | Credit | Eligibility | Senior Lien Doc Indicator Missing | Resolved-Received mortgage statement - Due Diligence Vendor-03/04/2026 <br>Ready for Review-Document Uploaded. Hello, please see attached, thank you - Seller-03/03/2026 <br>Open-Senior Lien Doc Indicator Missing. Per guides section 9.10 , the Current (within 60 days) first mortgage statement showing,current principal balance and fully amortized term is required. - Due Diligence Vendor-03/02/2026 | Ready for Review-Document Uploaded. Hello, please see attached, thank you - Seller-03/03/2026<br>| Resolved-Received mortgage statement - Due Diligence Vendor-03/04/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 790<br>Qualifying DTI below maximum allowed - DTI 35.37% is lower than required 50% |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7868762 |
| XXXX | 84782504 | XXXX C A | Closed | FCRE1440 | 2026-01-26 13:26 | 2026-02-05 16:41 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-CES guidelines state that 6 months payment history for senior lien is required for cash out. Does not specify that primary is required. - Due Diligence Vendor-02/05/2026 <br> Counter-Mortgage statement for the subject property provided in lieu of cancelled check. Please provide the Housing History for the Primary Residence. - Due Diligence Vendor-02/05/2026 <br> Ready for Review-Document Uploaded. XXXX guidelines state that 6 months payment history for senior lien is required for cash out. 12 months statements showing payment history for senior loan uploaded. - Seller-02/03/2026 <br> Counter-Received MLC guidelines. Please note reviewed to XXXX guidelines 6.5. Finding remains. - Due Diligence Vendor-01/28/2026 <br> Ready for Review-Hello Team, per XXXX guideline, we only need the verified for the current housing. Please waive this condition. Thank you - Seller-01/27/2026 <br> Open-Housing History Does Not Meet Guideline Requirements . Missing 12 months mortgage history on the subject property and 4 months on current primary. Guidelines requires a VOM or Housing history reporting on the credit report. Additional findings may apply. - Due Diligence Vendor-01/26/2026 | Ready for Review-Document Uploaded. XXXX guidelines state that 6 months payment history for senior lien is required for cash out. 12 months statements showing payment history for senior loan uploaded. - Seller-02/03/2026 <br> Ready for Review-Hello Team, per XXXX guideline, we only need the verified for the current housing. Please waive this condition. Thank you - Seller-01/27/2026 | Resolved-XXXX guidelines state that 6 months payment history for senior lien is required for cash out. Does not specify that primary is required. - Due Diligence Vendor-02/05/2026 | Credit history exceeds minimum required - 73+ months paid as agreed with required 12 months.<br>Qualifying DTI below maximum allowed - DTI is 44.25% and max allowed is 50% Required is 50 Borrower has 44.25 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7300303 |
| XXXX | 81924223 | XXXX C A | Closed | finding-47 | 2026-02-11 09:18 | 2026-02-19 08:52 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved------Received PCCD XXXX, disbursement date XXXX. Finding resolved. - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Document Uploaded. Hello Team, please see attached the Post Consummation CD and Final SS showing the loan disbursement date on XXXX. Thank you - Seller-02/18/2026 <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 XXXX - Due Diligence Vendor-02/11/2026 | Ready for Review-Document Uploaded. Hello Team, please see attached the Post Consummation CD and Final SS showing the loan disbursement date on XXXX. Thank you - Seller-02/18/2026 | Resolved------Received PCCD XXXX, disbursement date XXXX. Finding resolved. - Due Diligence Vendor-02/19/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 791<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 10.74<br>CLTV is less than guidelines maximum - Required is 90 Borrower has 43.16 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7557654 |
| XXXX | 89088051 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 81264944 | XXXX D A C | Closed | FCRE1503 | 2026-02-15 04:52 | 2026-02-20 16:22 | Resolved | 1 - Information C A | Credit | QM-ATR | ATR: The Lender did not document all ATR Factors | Resolved-Received confirmation no HOAs for REOs. - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Document Uploaded. please see attached the Property profile and these are single house so no HOA dues and the credit refresh showing payments on time XXXX. - Seller-02/19/2026 <br> Open-ATR: The Lender did not document all ATR Factors 1. Missing verification of HOA for REO 3b, 3c, 3d.<br> 2. Missing evidence of XXXX payments for REO 3b, 3b, 3d.<br> 3. Fraud report shows potential ownership of 3 properties. Either provide evidence that borrower no longer owns property or evidence of PITIA to be included and DTI recalculated. - Due Diligence Vendor-02/15/2026 | Ready for Review-Document Uploaded. please see attached the Property profile and these are single house so no HOA dues and the credit refresh showing payments on time XXXX. - Seller-02/19/2026 | Resolved-Received confirmation no HOAs for REOs. - Due Diligence Vendor-02/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 767 Required is 680 Borrower has 767<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 20.51 Required is 50 Borrower has 20.51<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 63.68 Required is 80 Borrower has 63.68 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7624242 |
| XXXX | 81264944 | XXXX D A C | Closed | FCRE1440 | 2026-02-15 04:35 | 2026-02-20 16:15 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received credit refresh confirming each Jan mtg paid. - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Document Uploaded. Hello Team, please see attached the Credit Refresh showing all payments made on time. Thank you - Seller-02/19/2026 <br> Open-Housing History Does Not Meet Guideline Requirements 1. Missing evidence of XXXX payment for REO 3b (XXXX) to meet 0x30x12 matrix requirement.<br> 2. Missing evidence of XXXX payment for REO 3c (XXXX) to meet 0x30x12 matrix requirement.<br> 3. Missing evidence of XXXX payment for REO 3d (XXXX) to meet 0x30x12 matrix requirement. - Due Diligence Vendor-02/15/2026 | Ready for Review-Document Uploaded. Hello Team, please see attached the Credit Refresh showing all payments made on time. Thank you - Seller-02/19/2026<br>| Resolved-Received credit refresh confirming each XXXX mtg paid. - Due Diligence Vendor-02/20/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 767 Required is 680 Borrower has 767<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 20.51 Required is 50 Borrower has 20.51<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 63.68 Required is 80 Borrower has 63.68 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7624215 |
| XXXX | 81264944 | XXXX D A C | Closed | FCRE7497 | 2026-02-15 04:14 | 2026-02-20 16:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received property profiles confirming no HOAs - Due Diligence Vendor-02/20/2026 <br>Ready for Review-Document Uploaded. Hello Team, please see attached the Property profile and these are single house so HOA dues. Thank you - Seller-02/19/2026 <br>Open-1. Missing verification of HOA for REO 3b. If applicable, monthly assessment to be included and DTI recalculated. Additional findings may apply.<br> 2. Missing verification of HOA for REO 3c. If applicable, monthly assessment to be included and DTI recalculated. Additional findings may apply.<br> 3. Missing verification of HOA for REO 3d. If applicable, monthly assessment to be included and DTI recalculated. Additional findings may apply. - Due Diligence Vendor-02/15/2026 | Ready for Review-Document Uploaded. Hello Team, please see attached the Property profile and these are single house so HOA dues. Thank you - Seller-02/19/2026<br>| Resolved-Received property profiles confirming no HOAs - Due Diligence Vendor-02/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 767 Required is 680 Borrower has 767<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 20.51 Required is 50 Borrower has 20.51<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 63.68 Required is 80 Borrower has 63.68 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7624189 |
| XXXX | 81264944 | XXXX D A C | Closed | finding-47 | 2026-02-11 12:11 | 2026-02-20 09:19 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved------Received PCCD XXXX, disbursement date XXXX. Finding resolved. - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Document Uploaded. Hello Team, please see attached the Post Consummation CD and Final SS showing the loan disbursement date is XXXX - Seller-02/19/2026 <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-02/11/2026 | Ready for Review-Document Uploaded. Hello Team, please see attached the Post Consummation CD and Final SS showing the loan disbursement date is XXXX - Seller-02/19/2026 | Resolved------Received PCCD XXXX, disbursement date XXXX. Finding resolved. - Due Diligence Vendor-02/20/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 767 Required is 680 Borrower has 767<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 20.51 Required is 50 Borrower has 20.51<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 63.68 Required is 80 Borrower has 63.68 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7562422 |
| XXXX | 80570159 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 85190975 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 83565119 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 81271651 | XXXX C A | Closed | finding-47 | 2026-03-17 11:14 | 2026-03-19 12:04 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD XXXX. Finding Resolved. - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Document Uploaded. Hello Team, please see attached the Post Consummation CD and Final SS showing the loan disbursement on XXXX- Seller-03/18/2026 <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 XXXX. - Due Diligence Vendor-03/17/2026 | Ready for Review-Document Uploaded. Hello Team, please see attached the Post Consummation CD and Final SS showing the loan disbursement on XXXX - Seller-03/18/2026 | Resolved-Received PCCD XXXX. Finding Resolved. - Due Diligence Vendor-03/19/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 817<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.82<br>CLTV is less than guidelines maximum - Required is 85 Borrower has 43.5 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8152340 |
| XXXX | 81271651 | XXXX C A | Closed | finding-3617 | 2026-03-17 11:19 | 2026-03-19 12:04 | Resolved | 1 - Information C A | Compliance | TRID | TRID Initial Closing Disclosure Date and Funding Date Validation Test | Resolved-Received PCCD XXXX. Finding Resolved. - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Document Uploaded. Hello Team, please see attached the Post Consummation CD and Final SS showing the loan disbursement on XXXX - Seller-03/18/2026 <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 XXXX, but closing date is XXXX. Provide evidence the loan did not disburse prior to closing. - Due Diligence Vendor-03/17/2026 | Ready for Review-Document Uploaded. Hello Team, please see attached the Post Consummation CD and Final SS showing the loan disbursement on XXXX - Seller-03/18/2026 | Resolved-Received PCCD XXXX. Finding Resolved. - Due Diligence Vendor-03/19/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 817<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.82<br>CLTV is less than guidelines maximum - Required is 85 Borrower has 43.5 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8152516 |
| XXXX | 80756411 | XXXX C B A | Closed | finding-3625 | 2026-03-09 10:19 | 2026-03-18 14:52 | 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 copy of settlement statement showing Appraisal Fee was paid to XXXX Finding Resolved. - Due Diligence Vendor-03/18/2026 <br> Ready for Review-Document Uploaded. Hello, please see attached, thank you - Seller-03/17/2026 <br> Counter-Appraisal fee is still paid to the lender in Section B on the PCCD. Finding Remains. - Due Diligence Vendor-03/16/2026 <br> Ready for Review-Document Uploaded. Hello, please see attached, thank you - Seller-03/13/2026 <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 fee in section B is payable to Lender, 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 XXXX.. - Due Diligence Vendor-03/09/2026 | Ready for Review-Document Uploaded. Hello, please see attached, thank you - Seller-03/17/2026 <br>Ready for Review-Document Uploaded. Hello, please see attached, thank you - Seller-03/13/2026<br>| Resolved-Received copy of settlement statement showing Appraisal Fee was paid to XXXX. Finding Resolved. - Due Diligence Vendor-03/18/2026 | On time mortgage history exceeds guideline requirement - 0x30x50<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 29.52 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7996429 |
| XXXX | 80756411 | XXXX C B A | Closed | finding-47 | 2026-03-09 10:19 | 2026-03-16 14:07 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD XXXX. Finding Resolved. - Due Diligence Vendor-03/16/2026 <br> Ready for Review-Document Uploaded. Hello, please see attached, thank you - Seller-03/13/2026 <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-03/09/2026 | Ready for Review-Document Uploaded. Hello, please see attached, thank you - Seller-03/13/2026<br>| Resolved-Received PCCD XXXX. Finding Resolved. - Due Diligence Vendor-03/16/2026 | On time mortgage history exceeds guideline requirement - 0x30x50<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 29.52 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7996428 |
| XXXX | 80756411 | XXXX C B A | Closed | FCOM1124 | 2026-03-09 09:55 | 2026-03-09 09:55 | Waived | 2 - Non-Material B | Compliance | Data | Borrower 1 Final Signature Date is in the future | Waived-Borrower 1 Final Signature Date is greater than the transaction date of XXXX Originator waiver applied to non-material finding. - Due Diligence Vendor-03/09/2026 |  | Waived-Borrower 1 Final Signature Date is greater than the transaction date of XXXX Originator waiver applied to non-material finding. - Due Diligence Vendor-03/09/2026 | On time mortgage history exceeds guideline requirement - 0x30x50<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 29.52 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 7995294 |
| XXXX | 83045569 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 84994178 | XXXX D A C | Closed | FPRO1137 | 2025-10-23 08:40 | 2026-04-09 15:53 | 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-04/09/2026 <br> Resolved-Appraiser's license provided. Licensed since XXXX - Due Diligence Vendor-11/04/2025 <br> Counter-License provided, however the effective date is XXXX and the effective date of the Appraisal is XXXX - Due Diligence Vendor-10/29/2025 <br> Ready for Review-Document Uploaded. Appraisers license was expiring on XXXX - they updated their license on XXXX and it now expires XXXX - Seller-10/28/2025 <br> Open-Primary Value appraiser's license was not effective prior to the Valuation Date or expired prior to the Valuation Date Transferred appraisal was completed XXXX - appraiser's license was not valid until XXXX. Need updated appraisal. - Due Diligence Vendor-10/23/2025 | Ready for Review-Document Uploaded. Appraisers license was expiring on XXXX - they updated their license on XXXX and it now expires XXXX - Seller-10/28/2025 | 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-04/09/2026 <br> Resolved-Appraiser's license provided. Licensed since XXXX - Due Diligence Vendor-11/04/2025 | CLTV is less than guidelines maximum - CLTV is 74.70% - Max is 80%<br>Long term residence - 14 years at current residence<br>Qualifying DTI below maximum allowed - We have DTI at 16.63 - Max is 50% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5985770 |
| XXXX | 84994178 | XXXX D A C | Closed | finding-3625 | 2025-10-22 14:28 | 2025-11-20 12:45 | 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 dated XXXX changing Section B Payee. Finding Resolved. - Due Diligence Vendor-11/20/2025 <br> Ready for Review-Document Uploaded. - Seller-11/19/2025 <br> Counter------CD is showing that the Flood Certification and Tax Service Fee is paid to the lender. Lender paid fees can only be located in Section A. Please Provide a PCCD with this correction. Finding Remains. - Due Diligence Vendor-10/29/2025 <br> Ready for Review-Document Uploaded. - Seller-10/28/2025 <br> Open-This loan failed the TRID "Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" validation test.This loan contains a fee or fees where "compensation to" is set to the lender or broker but this fee or fees should not be retained by the lender or broker."Section B. Services You Cannot Shop For / Services Borrower Did Not Shop For" should contain an itemization of each amount, and a subtotal of all such amounts, the consumer will pay for settlement services for which the consumer cannot shop in accordance with Regulation Z and that are provided by persons other than the creditor or mortgage broker. -----Flood Cert. & Tax Service Fee in section B is payable to Lender however, fees paid to Lender or Broker must be in section A. If the fee is to remain in section B, it must state FBO (for the benefit of) to said Vendor. Provide a post close CD with correction within 60 days of discovery date. Statute of Limitations - 3 years, expiration date XXXX. - Due Diligence Vendor-10/22/2025 | Ready for Review-Document Uploaded. - Seller-11/19/2025 <br>Ready for Review-Document Uploaded. - Seller-10/28/2025<br>| Resolved-----Received PCCD dated XXXX changing Section B Payee. Finding Resolved. - Due Diligence Vendor-11/20/2025 | CLTV is less than guidelines maximum - CLTV is 74.70% - Max is 80%<br>Long term residence - 14 years at current residence<br>Qualifying DTI below maximum allowed - We have DTI at 16.63 - Max is 50% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5976044 |
| XXXX | 84994178 | XXXX D A C | Closed | FCRE1316 | 2025-10-23 09:07 | 2025-10-29 16:05 | 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-10/29/2025 <br>Ready for Review-Document Uploaded. - Seller-10/28/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing VVOE prior to closing - Due Diligence Vendor-10/23/2025 | Ready for Review-Document Uploaded. - Seller-10/28/2025<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-10/29/2025<br>| CLTV is less than guidelines maximum - CLTV is 74.70% - Max is 80%<br>Long term residence - 14 years at current residence<br>Qualifying DTI below maximum allowed - We have DTI at 16.63 - Max is 50% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5986124 |
| XXXX | 84994178 | XXXX D A C | Closed | FCRE1440 | 2025-10-23 09:14 | 2025-10-29 15:58 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-After further review, housing history was present in the loan file. - Due Diligence Vendor-10/29/2025 <br> Ready for Review-GUIDES: A current mortgage/rental history is required. Current means the borrower(s) have made all mortgage payments due in the month prior to the note date and are current as of the application date.<br> Loan disbursed XXXX, XXXX payment shows paid. Please review. - Seller-10/28/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing mtg statement for first lien to show XXXX payment paid as agreed. - Due Diligence Vendor-10/23/2025 | Ready for Review-GUIDES: A current mortgage/rental history is required. Current means the borrower(s) have made all mortgage payments due in the month prior to the note date and are current as of the application date.<br> Loan disbursed XXXX, XXXX payment shows paid. Please review. - Seller-10/28/2025 | Resolved-After further review, housing history was present in the loan file. - Due Diligence Vendor-10/29/2025<br>| CLTV is less than guidelines maximum - CLTV is 74.70% - Max is 80%<br>Long term residence - 14 years at current residence<br>Qualifying DTI below maximum allowed - We have DTI at 16.63 - Max is 50% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5986278 |
| XXXX | 84994178 | XXXX D A C | Closed | FCRE5782 | 2025-10-23 09:14 | 2025-10-29 15:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report - Due Diligence Vendor-10/29/2025 <br>Ready for Review-Document Uploaded. - Seller-10/28/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing Gap Credit Report required prior to closing. - Due Diligence Vendor-10/23/2025 | Ready for Review-Document Uploaded. - Seller-10/28/2025<br>| Resolved-Received Gap Report - Due Diligence Vendor-10/29/2025<br>| CLTV is less than guidelines maximum - CLTV is 74.70% - Max is 80%<br>Long term residence - 14 years at current residence<br>Qualifying DTI below maximum allowed - We have DTI at 16.63 - Max is 50% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5986279 |
| XXXX | 84994178 | XXXX D A C | Closed | FCOM1978 | 2025-10-22 13:52 | 2025-10-29 14:08 | Resolved | 1 - Information C A | Compliance | TRID | Missing Intent to Proceed | Resolved------Received signed Intent to Proceed disclosure. Finding Resolved. - Due Diligence Vendor-10/29/2025 <br>Ready for Review-Document Uploaded. - Seller-10/28/2025 <br>Open------Intent to proceed is missing. - Due Diligence Vendor-10/22/2025 | Ready for Review-Document Uploaded. - Seller-10/28/2025<br>| Resolved------Received signed Intent to Proceed disclosure. Finding Resolved. - Due Diligence Vendor-10/29/2025<br>| CLTV is less than guidelines maximum - CLTV is 74.70% - Max is 80%<br>Long term residence - 14 years at current residence<br>Qualifying DTI below maximum allowed - We have DTI at 16.63 - Max is 50% |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5975237 |
| XXXX | 87976882 | XXXX D A | Closed | FCRE5782 | 2025-12-15 14:35 | 2026-02-02 18:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Credit. - Due Diligence Vendor-12/30/2025 <br>Ready for Review-Document Uploaded. - Seller-12/26/2025 <br>Counter-Received UDM dated 13 day from Note date. Provide updated report within 10 days of closing or after. - Due Diligence Vendor-12/23/2025 <br>Ready for Review-Document Uploaded. - Seller-12/22/2025 <br>Open-Borrower 1 Gap Credit Report is Missing. The Gap Report is required. - Due Diligence Vendor-12/15/2025 | Ready for Review-Document Uploaded. - Seller-12/26/2025 <br>Ready for Review-Document Uploaded. - Seller-12/22/2025<br>| Resolved-Received Gap Credit. - Due Diligence Vendor-12/30/2025<br>| On time mortgage history exceeds guideline requirement - 0x30x60<br>Months Reserves exceed minimum required - 35 months reserves and none required<br>CLTV is less than guidelines maximum - LTV is 79.98% and max allowed is 85% Required is 85 Borrower has 79.98<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 733 and minimum allowed is 680 Required is 680 Borrower has 733 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6630405 |
| XXXX | 87976882 | XXXX D A | Closed | FCRE0082 | 2025-12-15 15:15 | 2026-01-29 13:40 | Resolved | 1 - Information C A | Credit | Title | Vested Owner Signature Requirement Not met | Resolved-Document Uploaded. Title company provided verification that the spouse's signature was not required due to the interspousal deed. - Due Diligence Vendor-01/26/2026 <br> Open-Vested Owner Signature Requirement Not met. Borrower separated but still married, non borrowing spouse did not sign the mortgage and property is in XXXX. - Due Diligence Vendor-12/15/2025 |  | Resolved-Document Uploaded. Title company provided verification that the spouse's signature was not required due to the interspousal deed. - Due Diligence Vendor-01/26/2026<br>| On time mortgage history exceeds guideline requirement - 0x30x60<br>Months Reserves exceed minimum required - 35 months reserves and none required<br>CLTV is less than guidelines maximum - LTV is 79.98% and max allowed is 85% Required is 85 Borrower has 79.98<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 733 and minimum allowed is 680 Required is 680 Borrower has 733 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6631345 |
| XXXX | 87976882 | XXXX D A | Closed | FCRE0044 | 2025-12-30 17:26 | 2026-01-14 17:40 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received LOE. - Due Diligence Vendor-01/14/2026 <br>Ready for Review-Document Uploaded. - Seller-01/13/2026 <br>Counter-Received LOX. Lox indicate new debt will be purchased. Although for business, appear to be using personal guaranty. Finding remains. - Due Diligence Vendor-01/02/2026 <br>Ready for Review-Document Uploaded. - Seller-12/31/2025 <br>Open-LOX for credit inquiries is missing. - Due Diligence Vendor-12/30/2025 | Ready for Review-Document Uploaded. - Seller-01/13/2026 <br>Ready for Review-Document Uploaded. - Seller-12/31/2025<br>| Resolved-Received LOE. - Due Diligence Vendor-01/14/2026<br>| On time mortgage history exceeds guideline requirement - 0x30x60<br>Months Reserves exceed minimum required - 35 months reserves and none required<br>CLTV is less than guidelines maximum - LTV is 79.98% and max allowed is 85% Required is 85 Borrower has 79.98<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 733 and minimum allowed is 680 Required is 680 Borrower has 733 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6861974 |
| XXXX | 80543877 | XXXX D B A | Closed | FCRE1506 | 2025-11-17 15:46 | 2026-03-23 17:01 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-The Final Reviewed QM Status is acceptable received docs required. - Due Diligence Vendor-03/24/2026 <br> Ready for Review-Document Uploaded. - Seller-01/07/2026 <br> Counter-Pending receipt of missing income/asset documentation. - Due Diligence Vendor-01/06/2026 <br> Ready for Review-Document Uploaded. - Seller-01/02/2026 <br> Counter-Pending receipt of missing income/asset documentation. - Due Diligence Vendor-12/29/2025 <br> Ready for Review-So the XXXX report is find as is? We just need to clear the asset and income conditions with Clarifii? - Seller-12/26/2025 <br> Counter-Pending income and asset findings. - Due Diligence Vendor-12/24/2025 <br> Ready for Review-Hello, which XXXX issues need to be fixed? The Alert or the warnings? Thank you - Seller-12/23/2025 <br> Counter-Received XXXX. Pending outstanding findings. - Due Diligence Vendor-11/20/2025 <br> Ready for Review-Document Uploaded. - Seller-11/18/2025 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Pending for: (1) income documentation that meets 1st lien requirements for wage earner and departing residence (2) rent free letter and VOM on assumed subject 1st lien (3) gap credit report (4) sufficient funds. <br> - Due Diligence Vendor-11/17/2025 | Ready for Review-Document Uploaded. - Seller-01/07/2026 <br> Ready for Review-Document Uploaded. - Seller-01/02/2026 <br> Ready for Review-So the XXXX report is find as is? We just need to clear the asset and income conditions with XXXX? - Seller-12/26/2025 <br> Ready for Review-Hello, which XXXX issues need to be fixed? The Alert or the warnings? Thank you - Seller-12/23/2025 <br> Ready for Review-Document Uploaded. - Seller-11/18/2025 | Resolved-The Final Reviewed QM Status is acceptable received docs required. - Due Diligence Vendor-03/24/2026<br>| CLTV is less than guidelines maximum - Required is 90 Borrower has 83.25 Required is 90 Borrower has 83.25<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.28 Required is 50 Borrower has 37.28<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 756 Required is 680 Borrower has 756 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6279613 |
| XXXX | 80543877 | XXXX D B A | Closed | FCRE1481 | 2025-11-17 15:39 | 2026-01-07 14:04 | Resolved | 1 - Information C A | Credit | Assets | Asset 3 Does Not Meet Guideline Requirements | Resolved-Received two months - Due Diligence Vendor-11/21/2025 <br> Ready for Review-Document Uploaded. - Seller-11/20/2025 <br> Open-Asset Record 3 Does Not Meet G/L Requirements Missing 2nd month consecutive bank statement for XXXX (Checking and Savings). Per Section 7.1 asset documentation is required to follow 1st lien approval when applicable. Per approval, 2 months are required. Additional findings may apply. - Due Diligence Vendor-11/17/2025 | Ready for Review-Document Uploaded. - Seller-11/20/2025<br>| Resolved-Received two months - Due Diligence Vendor-11/21/2025<br>| CLTV is less than guidelines maximum - Required is 90 Borrower has 83.25 Required is 90 Borrower has 83.25<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.28 Required is 50 Borrower has 37.28<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 756 Required is 680 Borrower has 756 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6279449 |
| XXXX | 80543877 | XXXX D B A | Closed | FCRE1483 | 2025-11-17 15:39 | 2026-01-07 14:04 | Resolved | 1 - Information C A | Credit | Assets | Asset 5 Does Not Meet Guideline Requirements | Resolved-Received corrected Gift Letter. - Due Diligence Vendor-12/29/2025 <br> Ready for Review-Document Uploaded. Here is an updated gift letter and additional wire receipt from the title co. XXXX acct ending XXXX is the title co's account number and the wire did come from the donor's XXXX Account number ending XXXX, see corrected and initialed gift letter. - Seller-12/26/2025 <br> Counter-Received narrative - title company is the XXXX account-donor is XXXX. Account number reflecting on wire differs from gift letter. Provide confirmation of donor wire. - Due Diligence Vendor-12/11/2025 <br> Ready for Review-Document Uploaded. - Seller-12/10/2025 <br> Open-Asset 5 Does Not Meet Guideline Requirements Missing evidence that gift funds of XXXX are from the donors. Wire provided does not reflect the donors names and the account the funds came from appears to be different. <br> - Due Diligence Vendor-11/17/2025 | Ready for Review-Document Uploaded. Here is an updated gift letter and additional wire receipt from the title co. XXXX acct ending XXXX is the title co's account number and the wire did come from the donor'sXXXX Account number ending XXXX, see corrected and initialed gift letter. - Seller-12/26/2025 <br> Ready for Review-Document Uploaded. - Seller-12/10/2025 | Resolved-Received corrected Gift Letter. - Due Diligence Vendor-12/29/2025<br>| CLTV is less than guidelines maximum - Required is 90 Borrower has 83.25 Required is 90 Borrower has 83.25<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.28 Required is 50 Borrower has 37.28<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 756 Required is 680 Borrower has 756 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6279453 |
| XXXX | 80543877 | XXXX D B A | Closed | FCRE1491 | 2025-11-17 15:39 | 2026-01-07 14:04 | Resolved | 1 - Information C A | Credit | Assets | Asset Qualification Does Not Meet Guideline Requirements | Resolved-Received final approval for 1st lien and 1st lien CD validating sufficient assets required. - Due Diligence Vendor-01/07/2026 <br> Ready for Review-Document Uploaded. - Seller-01/07/2026 <br> Counter-Received final CD for 1st lien. Missing confirmation no reserves required. - Due Diligence Vendor-01/06/2026 <br> Ready for Review-Document Uploaded. - Seller-01/02/2026 <br> Counter-Missing 1st lien CD reflecting cash to close requirements and unable to determine if 1st lien required any reserves. - Due Diligence Vendor-12/29/2025 <br> Ready for Review-Document Uploaded. Here is an updated gift letter and additional wire receipt from the title co. XXXX acct ending XXXX is the title co's account number and the wire did come from the donor's XXXX Account number ending XXXX, see corrected and initialed gift letter. - Seller-12/26/2025 <br> Counter-Only an email stating the first lien was provided. Missing 1st lien CD reflecting cash to close requirements and unable to determine if 1st lien required any reserves. Per Section 7.1 asset documentation is required to follow 1st lien approval when applicable. Approval conditions related to assets reflect a lump sum of XXXX required to be verified. Assets and gift provided for 2nd lien do NOT meet the requirements set forth by the 1st lien approval. Additional findings may apply. - Due Diligence Vendor-12/11/2025 <br> Ready for Review-Document Uploaded. - Seller-12/10/2025 <br> Counter-Only an email stating the first lien was provided. Missing 1st lien CD reflecting cash to close requirements and unable to determine if 1st lien required any reserves. Per Section 7.1 asset documentation is required to follow 1st lien approval when applicable. Approval conditions related to assets reflect a lump sum of $483,045.58 required to be verified. Assets and gift provided for 2nd lien do NOT meet the requirements set forth by the 1st lien approval. Additional findings may apply. - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Document Uploaded. Attached is a copy of an email from XXXX stating that all the conditions related to the assumption of the 1st mortgage have been satisfied. - Seller-12/02/2025 <br> Open-Asset Qualification Does Not Meet Guideline Requirements Missing 1st lien CD reflecting cash to close requirements and unable to determine if 1st lien required any reserves. Per Section 7.1 asset documentation is required to follow 1st lien approval when applicable. Approval conditions related to assets reflect a lump sum of $483,045.58 required to be verified. Assets and gift provided for 2nd lien do NOT meet the requirements set forth by the 1st lien approval. Additional findings may apply. <br> - Due Diligence Vendor-11/17/2025 | Ready for Review-Document Uploaded. - Seller-01/07/2026 <br> Ready for Review-Document Uploaded. - Seller-01/02/2026 <br> Ready for Review-Document Uploaded. Here is an updated gift letter and additional wire receipt from the title co. XXXX acct ending XXXX is the title co's account number and the wire did come from the donor's XXXX number ending XXXX, see corrected and initialed gift letter. - Seller-12/26/2025 <br> Ready for Review-Document Uploaded. - Seller-12/10/2025 <br> Ready for Review-Document Uploaded. Attached is a copy of an email from XXXX stating that all the conditions related to the assumption of the 1st mortgage have been satisfied. - Seller-12/02/2025 | Resolved-Received final approval for 1st lien and 1st lien CD validating sufficient assets required. - Due Diligence Vendor-01/07/2026<br>| CLTV is less than guidelines maximum - Required is 90 Borrower has 83.25 Required is 90 Borrower has 83.25<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.28 Required is 50 Borrower has 37.28<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 756 Required is 680 Borrower has 756 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6279455 |
| XXXX | 80543877 | XXXX D B A | Closed | FCRE1964 | 2025-11-17 14:59 | 2026-01-02 15:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Received Assumption approval. - Due Diligence Vendor-01/02/2026 <br> Ready for Review-Document Uploaded. - Seller-12/31/2025 <br> Counter-Please provide the Lender approval for the 1st lien. - Due Diligence Vendor-12/29/2025 <br> Ready for Review-This is an assumption loan. Can this condition please be escalated. - Seller-12/26/2025 <br> Counter-Per section 4.1.4 When the product is combined with a new 1st mortgage in a purchase transaction, the required income and asset documentation will follow the 1st mortgage loan approval. Provide the fist lien mortgage approval. - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Document Uploaded. Attached is a copy of an email from XXXX stating that all the conditions related to the assumption of the 1st mortgage have been satisfied. Since there was an assumption of the 1st mortgage there is no AUS. So all their findings that reverence needing to see a copy of the AUS cannot be satisfied. - Seller-12/02/2025 <br> Open-Missing income documentation requirements for the 1st lien. Approval provided does not reflect income documentation requirements for wage earner or for the departing residence. Loan contains a paystub, XXXX W2s, and a lease for the departing residence which was considered at 75%. Per 4.1.4 (and other sections throughout the guide) the piggyback second must follow the 1st lien mortgage income documentation requirements. Additional findings may apply. - Due Diligence Vendor-11/17/2025 | Ready for Review-Document Uploaded. - Seller-12/31/2025 <br>Ready for Review-This is an assumption loan. Can this condition please be escalated. - Seller-12/26/2025 <br>Ready for Review-Document Uploaded. Attached is a copy of an email from XXXX stating that all the conditions related to the assumption of the 1st mortgage have been satisfied. Since there was an assumption of the 1st mortgage there is no AUS. So all their findings that reverence needing to see a copy of the AUS cannot be satisfied. - Seller-12/02/2025<br>| Resolved-Received Assumption approval. - Due Diligence Vendor-01/02/2026<br>| CLTV is less than guidelines maximum - Required is 90 Borrower has 83.25 Required is 90 Borrower has 83.25<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.28 Required is 50 Borrower has 37.28<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 756 Required is 680 Borrower has 756 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6278715 |
| XXXX | 80543877 | XXXX D B A | Closed | FCRE8201 | 2025-11-17 15:50 | 2026-01-02 15:31 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Received Assumption approval - Due Diligence Vendor-01/02/2026 <br> Ready for Review-Document Uploaded. - Seller-12/31/2025 <br> Counter-Please provide the Terms of the 1st lien. Additional Findings may apply. - Due Diligence Vendor-12/29/2025 <br> Ready for Review-This is an assumption loan. Can this condition please be escalated. - Seller-12/26/2025 <br> Counter-Missing (2) 1st lien approval reflecting the 2nd lien (approval shows loan amount only and conditions state that terms had not yet been provided) (3) the first lien's closing instructions reflecting the 2nd lien. (4) Additional findings may apply. - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Document Uploaded. Attached is a copy of an email from XXXX stating that all the conditions related to the assumption of the 1st mortgage have been satisfied.<br>This should mitigate all the investor findings related to this approval.<br>Since there was an assumption of the 1st mortgage there is no AUS. So all their findings that reverence needing to see a copy of the AUS cannot be satisfied - Seller-12/02/2025 <br> Open-Missing the following Senior Lien Documents as required per Section 9.0: (1) DU Approval/Eligible or Approve/Ineligible, or LP Accept (2) 1st lien approval reflecting the 2nd lien (approval shows loan amount only and conditions state that terms had not yet been provided) (3) the first lien's closing instructions reflecting the 2nd lien. (4) Additional findings may apply. <br> - Due Diligence Vendor-11/17/2025 | Ready for Review-Document Uploaded. - Seller-12/31/2025 <br>Ready for Review-This is an assumption loan. Can this condition please be escalated. - Seller-12/26/2025 <br>Ready for Review-Document Uploaded. Attached is a copy of an email from XXXX stating that all the conditions related to the assumption of the 1st mortgage have been satisfied.<br>This should mitigate all the investor findings related to this approval.<br>Since there was an assumption of the 1st mortgage there is no AUS. So all their findings that reverence needing to see a copy of the AUS cannot be satisfied - Seller-12/02/2025<br>| Resolved-Received Assumption approval - Due Diligence Vendor-01/02/2026<br>| CLTV is less than guidelines maximum - Required is 90 Borrower has 83.25 Required is 90 Borrower has 83.25<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.28 Required is 50 Borrower has 37.28<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 756 Required is 680 Borrower has 756 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6279677 |
| XXXX | 80543877 | XXXX D B A | Closed | FCRE1440 | 2025-11-17 15:15 | 2025-12-24 16:24 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-12/24/2025 <br> Ready for Review-Document Uploaded. Credit refresh shows date of last activity for XXXX 12/12/25<br>- Seller-12/23/2025 <br> Counter-Received payment history on subject. Received Rent Free Letter. Missing XXXX proof of payment on XXXX departing residence. - Due Diligence Vendor-12/16/2025 <br> Ready for Review-Document Uploaded. - Seller-12/15/2025 <br> Counter-Email for first lien approval cleared. However, missing (1) the rent free letter with dates and realquest for current housing and VOM for the mortgage being assumed on the subject to validate not in default (both required per Section 4.1.4 which requires we follow the 1st lien approval) (2) XXXX and XXXX timely payments for the borrower's departing residence lien (3) Additional findings may apply. - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Document Uploaded. Attached is a copy of an email from XXXX stating that all the conditions related to the assumption of the 1st mortgage have been satisfied - Seller-12/02/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing (1) the rent free letter with dates and realquest for current housing and VOM for the mortgage being assumed on the subject to validate not in default (both required per Section 4.1.4 which requires we follow the 1st lien approval) (2) September and October timely payments for the borrower's departing residence lien (3) Additional findings may apply.<br> - Due Diligence Vendor-11/17/2025 | Ready for Review-Document Uploaded. Credit refresh shows date of last activity for XXXX<br>- Seller-12/23/2025 <br> Ready for Review-Document Uploaded. - Seller-12/15/2025 <br> Ready for Review-Document Uploaded. Attached is a copy of an email from XXXX stating that all the conditions related to the assumption of the 1st mortgage have been satisfied - Seller-12/02/2025 | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-12/24/2025<br>| CLTV is less than guidelines maximum - Required is 90 Borrower has 83.25 Required is 90 Borrower has 83.25<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.28 Required is 50 Borrower has 37.28<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 756 Required is 680 Borrower has 756 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6278994 |
| XXXX | 80543877 | XXXX D B A | Closed | FCRE5782 | 2025-11-17 15:15 | 2025-12-24 16:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Credit Report for both borrowers. - Due Diligence Vendor-12/24/2025 <br>Ready for Review-Credit refreshes always have scores so I am not sure why you are asking for it no to include the credit score. Please advise. - Seller-12/23/2025 <br>Counter-Received credit report. Provide Gap Credit without scores. UDM or Credit Refresh. - Due Diligence Vendor-12/16/2025 <br>Ready for Review-Document Uploaded. - Seller-12/15/2025 <br>Counter-Borrower and Co-borrower Gap credit report required per guidelines section 6.4 - Seller is to confirm there are no new or higher debt obligations for the borrower by using a gap <br> credit report, soft-pull or undisclosed credit monitoring. This type of report is required if Note date is <br> greater than 30 days after the date of the credit report relied upon for underwriting. The gap credit <br> report, soft-pull or final report for the undisclosed debt monitoring is to be dated within 30 days of <br> the Note date.<br> - Due Diligence Vendor-12/03/2025 <br>Ready for Review-Since there was an assumption of the 1st mortgage there is no AUS. So all their findings that reverence needing to see a copy of the AUS cannot be satisfied. - Seller-12/02/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Missing the following Senior Lien Documents as required per Section 9.0: DU Approval/Eligible or Approve/Ineligible, or LP Accept and the first lien's closing instructions reflecting the 2nd lien. Additional findings may apply. <br> - Due Diligence Vendor-11/17/2025 | Ready for Review-Credit refreshes always have scores so I am not sure why you are asking for it no to include the credit score. Please advise. - Seller-12/23/2025 <br>Ready for Review-Document Uploaded. - Seller-12/15/2025 <br>Ready for Review-Since there was an assumption of the 1st mortgage there is no AUS. So all their findings that reverence needing to see a copy of the AUS cannot be satisfied. - Seller-12/02/2025<br>| Resolved-Received Gap Credit Report for both borrowers. - Due Diligence Vendor-12/24/2025<br>| CLTV is less than guidelines maximum - Required is 90 Borrower has 83.25 Required is 90 Borrower has 83.25<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.28 Required is 50 Borrower has 37.28<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 756 Required is 680 Borrower has 756 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6278995 |
| XXXX | 80543877 | XXXX D B A | Closed | FCRE1316 | 2025-11-17 14:58 | 2025-12-22 16:33 | 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-12/22/2025 <br>Ready for Review-Document Uploaded. - Seller-12/18/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-11/18/2025 | Ready for Review-Document Uploaded. - Seller-12/18/2025<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-12/22/2025<br>| CLTV is less than guidelines maximum - Required is 90 Borrower has 83.25 Required is 90 Borrower has 83.25<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.28 Required is 50 Borrower has 37.28<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 756 Required is 680 Borrower has 756 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6278711 |
| XXXX | 80543877 | XXXX D B A | Closed | FCRE1254 | 2025-11-17 14:27 | 2025-12-08 18:43 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received acceptable LOE. - Due Diligence Vendor-12/08/2025 <br>Ready for Review-Document Uploaded. - Seller-12/05/2025 <br>Open-Property Title Issue Sch B-II #18 shows subject contains multiple parcels but legal description for subject only reflects a single parcel. Additional findings may apply. - Due Diligence Vendor-11/17/2025 | Ready for Review-Document Uploaded. - Seller-12/05/2025<br>| Resolved-Received acceptable LOE. - Due Diligence Vendor-12/08/2025<br>| CLTV is less than guidelines maximum - Required is 90 Borrower has 83.25 Required is 90 Borrower has 83.25<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.28 Required is 50 Borrower has 37.28<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 756 Required is 680 Borrower has 756 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | N/A | N/A | 6277898 |
| XXXX | 80543877 | XXXX D B A | Closed | FCOM5135 | 2025-11-17 09:48 | 2025-11-17 09:48 | 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-11/17/2025 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material findings. - Due Diligence Vendor-11/17/2025<br>| CLTV is less than guidelines maximum - Required is 90 Borrower has 83.25 Required is 90 Borrower has 83.25<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.28 Required is 50 Borrower has 37.28<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 756 Required is 680 Borrower has 756 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Purchase | NA | Originator Post-Close | No | 6271147 |
| XXXX | 89490225 | XXXX C A | Closed | FCOM1978 | 2025-12-24 14:58 | 2026-01-05 08:48 | Resolved | 1 - Information C A | Compliance | TRID | Missing Intent to Proceed | Resolved------Received signed Intent to Proceed. Finding Resolved. - Due Diligence Vendor-01/05/2026 <br>Ready for Review-Document Uploaded. - Seller-01/02/2026 <br>Open------There are fees on the final CD that are POC and borrower's signed intent to proceed is missing from file.<br> - Due Diligence Vendor-12/24/2025 | Ready for Review-Document Uploaded. - Seller-01/02/2026<br>| Resolved------Received signed Intent to Proceed. Finding Resolved. - Due Diligence Vendor-01/05/2026<br>| CLTV is less than guidelines maximum - CLTV is 52.73% and max allowed is 75% Required is 75 Borrower has 52.73<br>On time mortgage history exceeds guideline requirement - On time mortgage history exceeds guideline requirement 0x30>than 30 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6795624 |
| XXXX | 80939699 | XXXX D B C A | Closed | finding-3617 | 2025-12-05 13:01 | 2026-01-20 10:20 | Resolved | 1 - Information C A | Compliance | TRID | TRID Initial Closing Disclosure Date and Funding Date Validation Test | Resolved-Rec'd PCCD issued XXXX. Finding resolved.<br> - Due Diligence Vendor-01/20/2026 <br> Ready for Review-Document Uploaded. - Seller-01/18/2026 <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 XXXX, but Notary/Transaction Date is XXXX. Provide evidence the loan did not disburse prior to XXXX. <br> - Due Diligence Vendor-12/05/2025 | Ready for Review-Document Uploaded. - Seller-01/18/2026<br>| Resolved-Rec'd PCCD issued XXXX. Finding resolved.<br> - Due Diligence Vendor-01/20/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 733<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 55.59 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6507022 |
| XXXX | 80939699 | XXXX D B C A | Closed | FCRE1328 | 2025-12-05 09:55 | 2026-01-15 14:02 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 W2/1099 Missing | Waived-Originator provided a waiver for <2 year pay history on second job, applied to non material finding with comp factors - Due Diligence Vendor-01/15/2026 <br> Ready for Review-Document Uploaded. - Seller-01/13/2026 <br> Counter-Received Exception Form. Decision Details are not completed. - Due Diligence Vendor-01/02/2026 <br> Ready for Review-Document Uploaded. Please review for exception. - Seller-12/31/2025 <br> Counter-Borrower 1 W2/1099 Missing Missing XXXX for XXXX as required for a 2nd job. Finding remains. - Due Diligence Vendor-12/10/2025 <br> Ready for Review-Borrowers' income is stable and predictable, therefore only 1 year required to verify income. The YTD appears low due to borrower receiving an increase in pay, there is a LOE that addresses this. - Seller-12/08/2025 <br> Open-Borrower 1 W2/1099 Missing Missing XXXX W2 for XXXX as required for a 2nd job. - Due Diligence Vendor-12/05/2025 | Ready for Review-Document Uploaded. - Seller-01/13/2026 <br>Ready for Review-Document Uploaded. Please review for exception. - Seller-12/31/2025 <br>Ready for Review-Borrowers' income is stable and predictable, therefore only 1 year required to verify income. The YTD appears low due to borrower receiving an increase in pay, there is a LOE that addresses this. - Seller-12/08/2025<br>| Waived-Originator provided a waiver for <2 year pay history on second job, applied to non material finding with comp factors - Due Diligence Vendor-01/15/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 733<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 55.59 | LTV <70% and 5% below maximum<br> Housing history 0x30x24<br> Employment history > 5years verified. | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 6502235 |
| XXXX | 80939699 | XXXX D B C A | Closed | FCRE5782 | 2025-12-04 11:29 | 2025-12-10 15:22 | 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-12/10/2025 <br>Ready for Review-Document Uploaded. - Seller-12/08/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Provide gap credit report - Due Diligence Vendor-12/04/2025 | Ready for Review-Document Uploaded. - Seller-12/08/2025<br>| Resolved-Received Borrower 1 Gap Credit Report - Due Diligence Vendor-12/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 733<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 55.59 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6485661 |
| XXXX | 87491375 | XXXX D A C | Closed | finding-3635 | 2025-12-17 08:12 | 2026-01-15 07:23 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved------Received PCCD XXXX with principal reduction XXXX. Prior PCCD has been corrected. Finding resolved. - Due Diligence Vendor-01/15/2026 <br> Ready for Review-Document Uploaded. - Seller-01/14/2026 <br> Counter------Received PCCD XXXX with principal reduction XXXX. The reduction has been added to the the loan rather than subtracted, resulting in cash back to borrower decreasing from XXXX at consummation, to XXXX. Provide post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date with cure for both the original $112.50 and the $112.50 added on PCCD. - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Document Uploaded. - Seller-01/12/2026 <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% ($1,185.00) exceed the comparable charges ($975.00) 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-01/06/2026 | Ready for Review-Document Uploaded. - Seller-01/14/2026 <br>Ready for Review-Document Uploaded. - Seller-01/12/2026<br>| Resolved------Received PCCD XXXX with principal reduction XXXX. Prior PCCD has been corrected. Finding resolved. - Due Diligence Vendor-01/15/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 32.7<br>CLTV is less than guidelines maximum - Required is 75 Borrower has 43.3 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6659148 |
| XXXX | 87491375 | XXXX D A C | Closed | finding-3634 | 2025-12-17 08:12 | 2025-12-23 07:38 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received CD XXXX and CD XXXX with COCs. Finding resolved. - Due Diligence Vendor-12/23/2025 <br> Ready for Review-Document Uploaded. - Seller-12/22/2025 <br> Open-\*\*\*\*NEW\*\*\*\*Zero (0%) tolerance fees increased by XXXX (FDsicount points and appraisal final inspection 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 XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: XXXX. - Due Diligence Vendor-12/17/2025 | Ready for Review-Document Uploaded. - Seller-12/22/2025<br>| Resolved-Received CD XXXX and CD XXXX with COCs. Finding resolved. - Due Diligence Vendor-12/23/2025 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 32.7<br>CLTV is less than guidelines maximum - Required is 75 Borrower has 43.3 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6659145 |
| XXXX | 87491375 | XXXX D A C | Closed | FCRE1316 | 2025-12-12 10:01 | 2025-12-17 14:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received VVOE for self employed borrower. - Due Diligence Vendor-12/17/2025 <br>Ready for Review-Document Uploaded. The existence of the borrower's business must be verified within 30 calendar days prior to the note date - Seller-12/16/2025 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing VVOE dated within 10 days of closing. - Due Diligence Vendor-12/12/2025 | Ready for Review-Document Uploaded. The existence of the borrower's business must be verified within 30 calendar days prior to the note date - Seller-12/16/2025<br>| Resolved-Received VVOE for self employed borrower. - Due Diligence Vendor-12/17/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 32.7<br>CLTV is less than guidelines maximum - Required is 75 Borrower has 43.3 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6600899 |
| XXXX | 87491375 | XXXX D A C | Closed | FCOM3605 | 2025-12-10 20:51 | 2025-12-17 08:13 | Resolved | 1 - Information C A | Compliance | TRID | TRID: CD not delivered at least 3 days prior to consummation | Resolved-Received CD XXXX. Finding resolved. - Due Diligence Vendor-12/17/2025 <br> Ready for Review-Document Uploaded. - Seller-12/16/2025 <br> Open------ Missing initial CD and acknowledgement by borrower a minimum 3 days prior to consummation date. Please provide initial CD dated XXXX. Additional findings may apply. Statute of limitations 3 years. Expiration date XXXX - Due Diligence Vendor-12/11/2025 | Ready for Review-Document Uploaded. - Seller-12/16/2025<br>| Resolved-Received CD XXXX. Finding resolved. - Due Diligence Vendor-12/17/2025 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 32.7<br>CLTV is less than guidelines maximum - Required is 75 Borrower has 43.3 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6577119 |
| XXXX | 88572497 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 83932417 | XXXX D A | Closed | FCRE5782 | 2025-12-29 09:59 | 2026-01-02 15:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Debt Monitoring and Inquiry LOE. - Due Diligence Vendor-01/02/2026 <br>Ready for Review-Document Uploaded. - Seller-12/31/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-12/29/2025 | Ready for Review-Document Uploaded. - Seller-12/31/2025<br>| Resolved-Received Debt Monitoring and Inquiry LOE. - Due Diligence Vendor-01/02/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 772<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.18<br>CLTV is less than guidelines maximum - Required is 85 Borrower has 79.72 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6830817 |
| XXXX | 87730933 | XXXX D A | Closed | FCRE1506 | 2026-01-02 10:24 | 2026-03-23 17:02 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received CPA Letter - Due Diligence Vendor-01/14/2026 <br>Ready for Review-Document Uploaded. - Seller-01/12/2026 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan.Unable to validate the CPA letter due to missing the current/active license or certification for the preparer. PTIN are not eligible. - Due Diligence Vendor-01/02/2026 | Ready for Review-Document Uploaded. - Seller-01/12/2026<br>| Resolved-Received CPA Letter - Due Diligence Vendor-01/14/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 724 and minimum allowed is 680 Required is 680 Borrower has 724<br>CLTV is less than guidelines maximum - CLTV is 58.53% and max allowed is 85% Required is 85 Borrower has 58.53<br>Qualifying DTI below maximum allowed - DTI is 32.99% and max allowed is 50% Required is 50 Borrower has 32.99 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6893406 |
| XXXX | 87730933 | XXXX D A | Closed | FCRE1510 | 2025-12-29 14:43 | 2026-01-22 08:36 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Legal description was provided. - Due Diligence Vendor-01/22/2026 <br>Counter-Email chain provided, please provide the attachments. - Due Diligence Vendor-01/21/2026 <br>Ready for Review-Document Uploaded. Requested this from escrow that was sent with the DOT for recording - Seller-01/18/2026 <br>Counter-Legal provided is from the commitment. Please provide the Legal being sent for recording with the mortgage. - Due Diligence Vendor-01/15/2026 <br>Ready for Review-Document Uploaded. - Seller-01/13/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing legal description - Due Diligence Vendor-12/29/2025 | Ready for Review-Document Uploaded. Requested this from escrow that was sent with the DOT for recording - Seller-01/18/2026 <br>Ready for Review-Document Uploaded. - Seller-01/13/2026<br>| Resolved-Legal description was provided. - Due Diligence Vendor-01/22/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 724 and minimum allowed is 680 Required is 680 Borrower has 724<br>CLTV is less than guidelines maximum - CLTV is 58.53% and max allowed is 85% Required is 85 Borrower has 58.53<br>Qualifying DTI below maximum allowed - DTI is 32.99% and max allowed is 50% Required is 50 Borrower has 32.99 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6838964 |
| XXXX | 87730933 | XXXX D A | Closed | FCOM6472 | 2026-01-02 09:21 | 2026-01-15 07:27 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Note data | Resolved------Received complete, executed copy of note. Finding resolved. - Due Diligence Vendor-01/15/2026 <br>Ready for Review-Document Uploaded. - Seller-01/14/2026 <br>Open-Missing Note data. Missing complete 1st page of the First Lien note (top section of Note is cut off). - Due Diligence Vendor-01/02/2026 | Ready for Review-Document Uploaded. - Seller-01/14/2026<br>| Resolved------Received complete, executed copy of note. Finding resolved. - Due Diligence Vendor-01/15/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 724 and minimum allowed is 680 Required is 680 Borrower has 724<br>CLTV is less than guidelines maximum - CLTV is 58.53% and max allowed is 85% Required is 85 Borrower has 58.53<br>Qualifying DTI below maximum allowed - DTI is 32.99% and max allowed is 50% Required is 50 Borrower has 32.99 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6892212 |
| XXXX | 87730933 | XXXX D A | Closed | FCRE5790 | 2026-01-02 10:20 | 2026-01-14 17:25 | 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-01/14/2026 <br>Ready for Review-Document Uploaded. - Seller-01/12/2026 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Provide an unexpired Gap Report. Required per guidelines. - Due Diligence Vendor-01/02/2026 | Ready for Review-Document Uploaded. - Seller-01/12/2026<br>| Resolved-Received UDM - Due Diligence Vendor-01/14/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 724 and minimum allowed is 680 Required is 680 Borrower has 724<br>CLTV is less than guidelines maximum - CLTV is 58.53% and max allowed is 85% Required is 85 Borrower has 58.53<br>Qualifying DTI below maximum allowed - DTI is 32.99% and max allowed is 50% Required is 50 Borrower has 32.99 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6893323 |
| XXXX | 87730933 | XXXX D A | Closed | FCRE1325 | 2026-01-02 09:54 | 2026-01-14 17:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received CPA letter and CPA verification. - Due Diligence Vendor-01/14/2026 <br>Ready for Review-Document Uploaded. - Seller-01/12/2026 <br>Open-Borrower 1 CPA Letter Missing. Unable to validate the CPA letter due to missing the current/active license or certification for the preparer. PTIN are not eligible. - Due Diligence Vendor-01/02/2026 | Ready for Review-Document Uploaded. - Seller-01/12/2026<br>| Resolved-Received CPA letter and CPA verification. - Due Diligence Vendor-01/14/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 724 and minimum allowed is 680 Required is 680 Borrower has 724<br>CLTV is less than guidelines maximum - CLTV is 58.53% and max allowed is 85% Required is 85 Borrower has 58.53<br>Qualifying DTI below maximum allowed - DTI is 32.99% and max allowed is 50% Required is 50 Borrower has 32.99 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6892803 |
| XXXX | 84420511 | XXXX D A C | Closed | FCRE1316 | 2026-01-05 16:08 | 2026-02-12 11:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Company Address from SOS matches Business Address from XXXX, yellow pages, business bank statements. - Due Diligence Vendor-02/12/2026 <br> Counter-Received duplicate documents confirming XXXX. Unable to confirm if XXXX is one in the same with documents provided. - Due Diligence Vendor-02/10/2026 <br> Ready for Review-Document Uploaded. - Seller-02/09/2026 <br> Counter-Received SOS for XXXX. Business noted as dba XXXX. Review is unable to confirm one in the same - Due Diligence Vendor-01/26/2026 <br> Ready for Review-Document Uploaded. - Seller-01/22/2026 <br> Counter-Internet search provided, however we are missing 3rd Party Verification. - Due Diligence Vendor-01/21/2026 <br> Ready for Review-Document Uploaded. - Seller-01/18/2026 <br> Counter-Received web search. Missing 3rd party VVOE. - Due Diligence Vendor-01/16/2026 <br> Ready for Review-Document Uploaded. - Seller-01/14/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-01/05/2026 | Ready for Review-Document Uploaded. - Seller-02/09/2026 <br>Ready for Review-Document Uploaded. - Seller-01/22/2026 <br>Ready for Review-Document Uploaded. - Seller-01/18/2026 <br>Ready for Review-Document Uploaded. - Seller-01/14/2026<br>| Resolved-Company Address from SOS matches Business Address from XXXX, yellow pages, business bank statements. - Due Diligence Vendor-02/12/2026<br>| CLTV is less than guidelines maximum - Required is 90 Borrower has 84.9<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 24.01<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 734 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6921978 |
| XXXX | 84420511 | XXXX D A C | Closed | FCRE5782 | 2026-01-05 16:18 | 2026-01-16 16:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM. - Due Diligence Vendor-01/16/2026 <br>Ready for Review-Document Uploaded. - Seller-01/14/2026 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-01/05/2026 | Ready for Review-Document Uploaded. - Seller-01/14/2026<br>| Resolved-Received UDM. - Due Diligence Vendor-01/16/2026<br>| CLTV is less than guidelines maximum - Required is 90 Borrower has 84.9<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 24.01<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 734 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6922121 |
| XXXX | 84420511 | XXXX D A C | Closed | finding-3652 | 2025-12-31 15:02 | 2026-01-16 07:29 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved------Upon further review, finding resolved. - Due Diligence Vendor-01/16/2026 <br> Ready for Review-Document Uploaded. - Seller-01/14/2026 <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 ($155.00). 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 $155.00 to $0 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $155.00, 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 XXXX.<br> - Due Diligence Vendor-12/31/2025 | Ready for Review-Document Uploaded. - Seller-01/14/2026<br>| Resolved------Upon further review, finding resolved. - Due Diligence Vendor-01/16/2026<br>| CLTV is less than guidelines maximum - Required is 90 Borrower has 84.9<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 24.01<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 734 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6880390 |
| XXXX | 84420511 | XXXX D A C | Closed | finding-3352 | 2025-12-31 15:02 | 2026-01-16 07:29 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved--Loan meets HPML requirements and has full appraisal. - Due Diligence Vendor-01/13/2026 <br> Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. ----- Statute of limitations – One year; Expiration date: XXXX<br> - Due Diligence Vendor-12/31/2025 |  | Resolved--Loan meets HPML requirements and has full appraisal. - Due Diligence Vendor-01/13/2026<br>| CLTV is less than guidelines maximum - Required is 90 Borrower has 84.9<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 24.01<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 734 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6880395 |
| XXXX | 84905660 | XXXX D A | Closed | FCRE1510 | 2025-12-03 10:17 | 2025-12-30 17:53 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received email from title confirming Legal recorded with mortgage. - Due Diligence Vendor-12/30/2025 <br>Ready for Review-Document Uploaded. - Seller-12/26/2025 <br>Counter-Legal from Title provided, please provide the legal being sent for recording with the mortgage. - Due Diligence Vendor-12/19/2025 <br>Ready for Review-Document Uploaded. - Seller-12/18/2025 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Missing the Exhibit A Legal Description. - Due Diligence Vendor-12/03/2025 | Ready for Review-Document Uploaded. - Seller-12/26/2025 <br>Ready for Review-Document Uploaded. - Seller-12/18/2025<br>| Resolved-Received email from title confirming Legal recorded with mortgage. - Due Diligence Vendor-12/30/2025<br>| CLTV is less than guidelines maximum - Required is 85 Borrower has 64.7<br>On time mortgage history exceeds guideline requirement - Required is 12. Current is 65 months. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6463390 |
| XXXX | 84905660 | XXXX D A | Closed | FCRE5782 | 2025-12-04 14:44 | 2025-12-12 14:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM. - Due Diligence Vendor-12/12/2025 <br>Ready for Review-Document Uploaded. UDM provided - Seller-12/11/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Gap report is missing. - Due Diligence Vendor-12/04/2025 | Ready for Review-Document Uploaded. UDM provided - Seller-12/11/2025<br>| Resolved-Received UDM. - Due Diligence Vendor-12/12/2025<br>| CLTV is less than guidelines maximum - Required is 85 Borrower has 64.7<br>On time mortgage history exceeds guideline requirement - Required is 12. Current is 65 months. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6491001 |
| XXXX | 84890449 | XXXX D B A C | Closed | FCOM1227 | 2025-12-11 08:48 | 2026-01-14 17:37 | Resolved | 1 - Information D A | Credit | Missing Doc | PUD Rider is Missing | Resolved-Received Recorded DOT w/PUD Rider - Due Diligence Vendor-01/14/2026 <br>Ready for Review-Document Uploaded. - Seller-01/12/2026 <br>Open-PUD Rider is Missing Per title According to the public records this property is part of a Planned Unit Development - Due Diligence Vendor-12/11/2025 | Ready for Review-Document Uploaded. - Seller-01/12/2026<br>| Resolved-Received Recorded DOT w/PUD Rider - Due Diligence Vendor-01/14/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 19.02<br>CLTV is less than guidelines maximum - Required is 85 Borrower has 77.16 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6581651 |
| XXXX | 84890449 | XXXX D B A C | Closed | finding-3634 | 2025-12-09 14:39 | 2026-01-09 10:30 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That Cannot Increase Test | Cured------Received PCCD XXXX with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-01/09/2026 <br> Ready for Review-Document Uploaded. - Seller-01/08/2026 <br> Ready for Review-Document Uploaded. - Seller-12/18/2025 <br> Counter------Received CD XXXX and COC XXXX. Missing evidence of receipt of CD. Finding remains. - Due Diligence Vendor-12/17/2025 <br> Ready for Review-Document Uploaded. - Seller-12/16/2025 <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 XXXX.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 XXXX (Transfer Taxes & 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 XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: XXXX<br> - Due Diligence Vendor-12/09/2025 | Ready for Review-Document Uploaded. - Seller-01/08/2026 <br>Ready for Review-Document Uploaded. - Seller-12/18/2025 <br>Ready for Review-Document Uploaded. - Seller-12/16/2025<br>| Cured------Received PCCD XXXX with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-01/09/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 19.02<br>CLTV is less than guidelines maximum - Required is 85 Borrower has 77.16 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6554539 |
| XXXX | 84890449 | XXXX D B A C | Closed | finding-3635 | 2025-12-09 14:39 | 2026-01-09 10:30 | Cured | 2 - Non-Material C B | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Cured------Received PCCD XXXX with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-01/09/2026 <br> Ready for Review-Document Uploaded. - Seller-01/08/2026 <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% ($135.00) exceed the comparable charges ($110.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). ----- Ten (10%) tolerance fees (Recording Fee) increased by $25 without a valid COC in file. Provide a valid and timely COC for increase OR evidence of refund to borrower or principal reduction in the amount of $14, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of limitations - three years, Expiration date: XXXX<br>- Due Diligence Vendor-12/09/2025 | Ready for Review-Document Uploaded. - Seller-01/08/2026<br>| Cured------Received PCCD XXXX with copy of letter, check and shipping Label. Finding is Cured. - Due Diligence Vendor-01/09/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 19.02<br>CLTV is less than guidelines maximum - Required is 85 Borrower has 77.16 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6554542 |
| XXXX | 84890449 | XXXX D B A C | Closed | finding-3652 | 2025-12-09 14:39 | 2025-12-19 07:27 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved------Received COC XXXX. Finding resolved. - Due Diligence Vendor-12/19/2025 <br> Ready for Review-Document Uploaded. - Seller-12/18/2025 <br> Counter------Received CD XXXX and COC XXXX. Missing evidence of receipt of CD. Finding remains. - Due Diligence Vendor-12/17/2025 <br> Ready for Review-Document Uploaded. - Seller-12/16/2025 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($0.00) does not exceed or equal the comparable sum of specific and non-specific lender credits ($360.00). 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 $360 to $0 without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $360, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is XXXX.<br> - Due Diligence Vendor-12/09/2025 | Ready for Review-Document Uploaded. - Seller-12/18/2025 <br>Ready for Review-Document Uploaded. - Seller-12/16/2025<br>| Resolved------Received COC XXXX. Finding resolved. - Due Diligence Vendor-12/19/2025 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 19.02<br>CLTV is less than guidelines maximum - Required is 85 Borrower has 77.16 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6554538 |
| XXXX | 84890449 | XXXX D B A C | Closed | FCRE5782 | 2025-12-11 08:35 | 2025-12-15 15:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-12/15/2025 <br>Ready for Review-Document Uploaded. - Seller-12/12/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-12/11/2025 | Ready for Review-Document Uploaded. - Seller-12/12/2025<br>| Resolved-Received Gap Report. - Due Diligence Vendor-12/15/2025<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 19.02<br>CLTV is less than guidelines maximum - Required is 85 Borrower has 77.16 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6581484 |
| XXXX | 80238285 | XXXX D B A | Closed | finding-3526 | 2025-12-10 10:05 | 2026-02-11 12:00 | Waived | 2 - Non-Material A B | Compliance | TRID | Revised Loan Estimate Delivery Date Test (prior to consummation) | Waived------Upon further review, emergency letter received - waived. - Due Diligence Vendor-02/11/2026 <br> Counter------Received copy of financial hardship from borrower. Initial application date XXXX, initial LE XXXX, initial CD XXXX and final CD XXXX. Sufficient time was given from initial application to consummation to meet all timing requirements per statute. Finding remains. - Due Diligence Vendor-02/06/2026 <br> Ready for Review-Document Uploaded. - Seller-02/04/2026 <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:"XXXX 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. ----- The revised loan estimate receipt date is provided and the revised loan estimate receipt date XXXX is less than four business days before the consummation date, or closing date - Due Diligence Vendor-12/10/2025 | Ready for Review-Document Uploaded. - Seller-02/04/2026<br>| Waived------Upon further review, emergency letter received - waived. - Due Diligence Vendor-02/11/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 741 Required is 680 Borrower has 741<br>CLTV is less than guidelines maximum - Required is 90 Borrower has 66.31 Required is 90 Borrower has 66.31 |  | XXXX | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 6565368 |
| XXXX | 80238285 | XXXX D B A | Closed | finding-3532 | 2025-12-10 10:05 | 2026-02-09 12:04 | Resolved | 1 - Information A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved------Upon further review, emergency letter received resolved. - Due Diligence Vendor-02/09/2026 <br> Counter------Received copy of financial hardship from borrower. Initial application date XXXX, initial LE XXXX, initial CD XXXX and final CD XXXX. Sufficient time was given from initial application to consummation to meet all timing requirements per statute. Finding remains. - Due Diligence Vendor-02/06/2026 <br> Ready for Review-Document Uploaded. - 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:"USPS First Class Mail" or "Electronic Delivery" or blank, and the initial closing disclosure delivery date is less than six business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the initial closing disclosure delivery date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe initial closing disclosure receipt date is provided and the initial closing disclosure receipt date is less than three business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transactionThe creditor shall ensure that the consumer receives the disclosures required under paragraph §1026.19(f)(1)(i) no later than three business days before consummation. ----- Initial CD receipt date of XXXX is less than three business days prior to closing date of XXXX. Statute of Limitations 3 years- Expiration date is XXXX - Due Diligence Vendor-12/10/2025 | Ready for Review-Document Uploaded. - Seller-02/04/2026<br>| Resolved------Upon further review, emergency letter received resolved. - Due Diligence Vendor-02/09/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 741 Required is 680 Borrower has 741<br>CLTV is less than guidelines maximum - Required is 90 Borrower has 66.31 Required is 90 Borrower has 66.31 |  | XXXX | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6565367 |
| XXXX | 80238285 | XXXX D B A | Closed | finding-3635 | 2025-12-10 10:05 | 2026-02-09 11:58 | Resolved | 1 - Information A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved------Resolved when PCCD was ran - Due Diligence Vendor-12/10/2025 |  | Resolved------Resolved when PCCD was ran - Due Diligence Vendor-12/10/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 741 Required is 680 Borrower has 741<br>CLTV is less than guidelines maximum - Required is 90 Borrower has 66.31 Required is 90 Borrower has 66.31 |  |  | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6565371 |
| XXXX | 80238285 | XXXX D B A | Closed | FCRE5782 | 2025-12-11 13:03 | 2025-12-17 14:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM. - Due Diligence Vendor-12/17/2025 <br>Ready for Review-Document Uploaded. - Seller-12/16/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Borrower 1 and Borrower 2 Gap Credit Report is Missing: A gap credit or Undisclosed Debt Monitoring report is required no more than 10 days prior to loan closing or any time after closing. Any new debt must be included in determining the DTI ratio and any new inquiries must be addressed. - Due Diligence Vendor-12/11/2025 | Ready for Review-Document Uploaded. - Seller-12/16/2025<br>| Resolved-Received UDM. - Due Diligence Vendor-12/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 741 Required is 680 Borrower has 741<br>CLTV is less than guidelines maximum - Required is 90 Borrower has 66.31 Required is 90 Borrower has 66.31 |  | XXXX | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6588206 |
| XXXX | 80238285 | XXXX D B A | Closed | FCOM1266 | 2025-12-10 09:26 | 2025-12-17 08:00 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved------Received Homeownership Counseling Disclosuresheet, finding resolved. - Due Diligence Vendor-12/17/2025 <br>Ready for Review-Document Uploaded. - Seller-12/16/2025 <br>Open-Homeownership Counseling Disclosure Is Missing -----Please provide Homeownership Counseling Disclosure provided to borrower within three business days of application date. - Due Diligence Vendor-12/10/2025 | Ready for Review-Document Uploaded. - Seller-12/16/2025<br>| Resolved------Received Homeownership Counseling Disclosuresheet, finding resolved. - Due Diligence Vendor-12/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 741 Required is 680 Borrower has 741<br>CLTV is less than guidelines maximum - Required is 90 Borrower has 66.31 Required is 90 Borrower has 66.31 |  | XXXX | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6564478 |
| XXXX | 80238285 | XXXX D B A | Closed | FCOM5135 | 2025-12-10 09:26 | 2025-12-17 08:00 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received Affiliated Business Disclosure. - Due Diligence Vendor-03/24/2026 <br>Ready for Review-Document Uploaded. - Seller-12/16/2025 <br>Open-Required Affiliated Business Disclosure Missing -----Missing Affiliated Business disclosure, unable to test fee tolerance properly. Additional Findings may apply upon receipt. - Due Diligence Vendor-12/10/2025 | Ready for Review-Document Uploaded. - Seller-12/16/2025<br>| Resolved-Received Affiliated Business Disclosure. - Due Diligence Vendor-03/24/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 741 Required is 680 Borrower has 741<br>CLTV is less than guidelines maximum - Required is 90 Borrower has 66.31 Required is 90 Borrower has 66.31 |  | XXXX | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6564480 |
| XXXX | 87304535 | XXXX D A C | Closed | FCRE0044 | 2026-01-13 09:30 | 2026-01-16 16:19 | 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-01/16/2026 <br>Ready for Review-The inquiries are over 90 days from the date of the credit date - Seller-01/14/2026 <br>Open-LOX for credit inquiries is missing. not provided - Due Diligence Vendor-01/13/2026 | Ready for Review-The inquiries are over 90 days from the date of the credit date - Seller-01/14/2026<br>| Resolved-Upon further review, the loan file contained all required credit documentation. - Due Diligence Vendor-01/16/2026<br>| CLTV is less than guidelines maximum - Required is 80 Borrower has 66.38<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.54 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7060160 |
| XXXX | 87304535 | XXXX D A C | Closed | FCRE5782 | 2026-01-14 14:17 | 2026-01-16 16:17 | 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-01/16/2026 <br>Ready for Review-Document Uploaded. - Seller-01/14/2026 <br>Open-Borrower 1 Gap Credit Report is Missing A gap credit or Undisclosed Debt Monitoring report is required no more than 10 days prior to loan closing or any time after closing. - Due Diligence Vendor-01/14/2026 | Ready for Review-Document Uploaded. - Seller-01/14/2026<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/16/2026<br>| CLTV is less than guidelines maximum - Required is 80 Borrower has 66.38<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.54 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7092457 |
| XXXX | 87304535 | XXXX D A C | Closed | FCOM1978 | 2026-01-12 15:24 | 2026-01-16 07:31 | Resolved | 1 - Information C A | Compliance | TRID | Missing Intent to Proceed | Resolved------Received executed intent to proceed. Finding resolved. - Due Diligence Vendor-01/16/2026 <br>Ready for Review-Document Uploaded. - Seller-01/14/2026 <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-01/12/2026 | Ready for Review-Document Uploaded. - Seller-01/14/2026<br>| Resolved------Received executed intent to proceed. Finding resolved. - Due Diligence Vendor-01/16/2026<br>| CLTV is less than guidelines maximum - Required is 80 Borrower has 66.38<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.54 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7049134 |
| XXXX | 80905972 | XXXX D A | Closed | FCRE5782 | 2026-01-14 13:52 | 2026-01-21 18:10 | 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>Ready for Review-Document Uploaded. - Seller-01/18/2026 <br>Open-Borrower 1 Gap Credit Report is Missing. A gap credit or Undisclosed Debt Monitoring report is required no more than 10 days prior to loan closing or any time after closing. Any new debt must be included in determining the DTI ratio and any new inquiries must be addressed. - Due Diligence Vendor-01/14/2026 | Ready for Review-Document Uploaded. - Seller-01/18/2026<br>| Resolved-Received Gap Report. - Due Diligence Vendor-01/21/2026<br>| Qualifying DTI below maximum allowed - DTI is 43.76% and max allowed is 50% Required is 50 Borrower has 43.76<br>CLTV is less than guidelines maximum - LTV is 59.03 and max allowed is 90% Required is 90 Borrower has 59.03<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 719 and minimum allowed is 680 Required is 680 Borrower has 719 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7091912 |
| XXXX | 80975058 | XXXX D B A | Closed | FCOM1351 | 2025-12-31 14:36 | 2026-01-21 18:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-Received Guaranty Agreement. - Due Diligence Vendor-01/21/2026 <br>Ready for Review-Document Uploaded. - Seller-01/18/2026 <br>Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Missing'. - Due Diligence Vendor-12/31/2025 | Ready for Review-Document Uploaded. - Seller-01/18/2026<br>| Resolved-Received Guaranty Agreement. - Due Diligence Vendor-01/21/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 780<br>Qualifying DTI below maximum allowed - Required is 80 Borrower has 20.8 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6879840 |
| XXXX | 80975058 | XXXX D B A | Closed | FCRE5790 | 2025-12-31 12:47 | 2026-01-05 16:41 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received UDM. - Due Diligence Vendor-01/05/2026 <br>Ready for Review-Document Uploaded. - Seller-01/02/2026 <br>Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-12/31/2025 | Ready for Review-Document Uploaded. - Seller-01/02/2026<br>| Resolved-Received UDM. - Due Diligence Vendor-01/05/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 780<br>Qualifying DTI below maximum allowed - Required is 80 Borrower has 20.8 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6877428 |
| XXXX | 80975058 | XXXX D B A | Closed | FCRE0127 | 2025-12-31 13:37 | 2025-12-31 15:28 | Waived | 2 - Non-Material C B | Credit | Eligibility | Property Type does not meet eligibility requirements | Waived-Originator exception granted to allow log home style property. Non-material waiver applied with comp factors. Deemed non-material due to subject is not actually made of logs but is only a log facade.<br> - Due Diligence Vendor-12/31/2025 <br>Open-Guidelines state log homes are ineligible - Due Diligence Vendor-12/31/2025 |  | Waived-Originator exception granted to allow log home style property. Non-material waiver applied with comp factors. Deemed non-material due to subject is not actually made of logs but is only a log facade.<br> - Due Diligence Vendor-12/31/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 780<br>Qualifying DTI below maximum allowed - Required is 80 Borrower has 20.8 | LTV less than 70%<br> FICO > 740<br> DTI < 35%<br> 0x30x24 |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 6878458 |
| XXXX | 85292099 | XXXX D A | Closed | FCRE5782 | 2025-12-31 15:59 | 2026-01-05 16:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM. - Due Diligence Vendor-01/05/2026 <br>Ready for Review-Document Uploaded. - Seller-01/02/2026 <br>Open-Borrower 1 Gap Credit Report is Missing Borrower 1 & 2 Gap Credit Report is Missing - Due Diligence Vendor-12/31/2025 | Ready for Review-Document Uploaded. - Seller-01/02/2026<br>| Resolved-Received UDM. - Due Diligence Vendor-01/05/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.97 Required is 50 Borrower has 43.97<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 783 Required is 680 Borrower has 783<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 69.11 Required is 80 Borrower has 69.11 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6881445 |
| XXXX | 85292099 | XXXX D A | Closed | FCRE1278 | 2025-12-24 14:40 | 2026-01-05 16:37 | Resolved | 1 - Information C A | Credit | Eligibility | Escrow waiver guidelines were not met | Resolved-Upon further review, the loan file contained all required escrow documentation. - Due Diligence Vendor-01/05/2026 <br> Ready for Review-This is a XXXX, escrows are not allowed - Seller-01/02/2026 <br> Open-Escrow waiver missing from file; Final CD shows no escrow collected - Due Diligence Vendor-12/24/2025 | Ready for Review-This is a CES, escrows are not allowed - Seller-01/02/2026<br>| Resolved-Upon further review, the loan file contained all required escrow documentation. - Due Diligence Vendor-01/05/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.97 Required is 50 Borrower has 43.97<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 783 Required is 680 Borrower has 783<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 69.11 Required is 80 Borrower has 69.11 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6794620 |
| XXXX | 82904768 | XXXX D A | Closed | FCRE4805 | 2025-12-29 10:23 | 2026-01-12 17:28 | Resolved | 1 - Information C A | Credit | Eligibility | Trust/POA Does Not Meet Guideline Requirements | Resolved-Trust certificate provided. - Due Diligence Vendor-01/12/2026 <br> Ready for Review-Document Uploaded. - Seller-01/08/2026 <br> Counter-Received Trust Cert dated XXXX. Provide Trust Cert accepted by title or complete Trust for review. - Due Diligence Vendor-01/08/2026 <br> Ready for Review-Document Uploaded. - Seller-01/06/2026 <br> Open-Trust/POA Does Not Meet Guideline Requirements Missing Trust Agreement, for non borrower signer listed on Note, Deed and Title. - Due Diligence Vendor-12/29/2025 | Ready for Review-Document Uploaded. - Seller-01/08/2026 <br>Ready for Review-Document Uploaded. - Seller-01/06/2026<br>| Resolved-Trust certificate provided. - Due Diligence Vendor-01/12/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 711 Required is 680 Borrower has 711<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 68.57 Required is 80 Borrower has 68.57 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6831562 |
| XXXX | 82904768 | XXXX D A | Closed | FCRE1346 | 2025-12-29 12:14 | 2026-01-09 08:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 1040 Schedule E Missing | Resolved-The borrower's XXXX extension was used to calculate rental income due to the borrower filing a tax extension for XXXX. - Due Diligence Vendor-01/09/2026 <br> Counter-Received XXXX schedule E. Original finding remains. - Due Diligence Vendor-01/08/2026 <br> Ready for Review-Document Uploaded. - Seller-01/06/2026 <br> Open-Borrower 1 1040 Schedule E Missing Missing XXXX 1040 schedule E or lease agreement used for income calculation for property 3c (per 1003), income calculation required and additional findings may apply once received. - Due Diligence Vendor-12/29/2025 | Ready for Review-Document Uploaded. - Seller-01/06/2026<br>| Resolved-The borrower's XXXX extension was used to calculate rental income due to the borrower filing a tax extension for XXXX. - Due Diligence Vendor-01/09/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 711 Required is 680 Borrower has 711<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 68.57 Required is 80 Borrower has 68.57 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6836022 |
| XXXX | 82904768 | XXXX D A | Closed | FCRE1204 | 2025-12-29 11:55 | 2026-01-07 17:31 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received XXXX - Due Diligence Vendor-01/07/2026 <br> Ready for Review-Document Uploaded. - Seller-01/06/2026 <br> Open-Fraud Report Shows Uncleared Alerts Missing documentation clearing XXXX alert on borrower. - Due Diligence Vendor-12/29/2025 | Ready for Review-Document Uploaded. - Seller-01/06/2026<br>| Resolved-Received SAM - Due Diligence Vendor-01/07/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 711 Required is 680 Borrower has 711<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 68.57 Required is 80 Borrower has 68.57 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6835492 |
| XXXX | 85860368 | XXXX D B A | Closed | FCRE5782 | 2026-01-12 08:19 | 2026-01-22 09:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Loan Quality Debt Monitoring with no new alerts reported. - Due Diligence Vendor-01/22/2026 <br>Ready for Review-Document Uploaded. - Seller-01/20/2026 <br>Open-Borrower 1 Gap Credit Report is Missing. A gap credit or Undisclosed Debt Monitoring report is required no more than 10 days prior to loan closing or any time after closing. - Due Diligence Vendor-01/12/2026 | Ready for Review-Document Uploaded. - Seller-01/20/2026<br>| Resolved-Received Loan Quality Debt Monitoring with no new alerts reported. - Due Diligence Vendor-01/22/2026<br>| CLTV is less than guidelines maximum - Required is 85 Borrower has 42.49<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 19.05<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 776 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7033843 |
| XXXX | 85860368 | XXXX D B A | Closed | FCRE1510 | 2026-01-09 10:26 | 2026-01-22 09:26 | 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-01/22/2026 <br>Ready for Review-Document Uploaded. - Seller-01/20/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing exhibit A; legal description attached to the Mortgage.<br> - Due Diligence Vendor-01/09/2026 | Ready for Review-Document Uploaded. - Seller-01/20/2026<br>| Resolved-Received Deed of Trust with Legal Description. - Due Diligence Vendor-01/22/2026<br>| CLTV is less than guidelines maximum - Required is 85 Borrower has 42.49<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 19.05<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 776 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7006348 |
| XXXX | 85860368 | XXXX D B A | Closed | FCRE6763 | 2026-01-12 08:13 | 2026-01-12 15:38 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income documentation does not meet guidelines | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-01/12/2026 <br>Open-Income documentation does not meet guidelines. Borrower has 9 NSF's. Max NSF's allowed in each 12 month segment is 6.<br> Lender Exception Approval with compensating factors in file to allow 9 overdraft fees on income. - Due Diligence Vendor-01/12/2026 |  | Waived-Originator exception granted, waiver applied with comp factors. Deemed non-material as client will allow - Due Diligence Vendor-01/12/2026<br>| CLTV is less than guidelines maximum - Required is 85 Borrower has 42.49<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 19.05<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 776 | -LTV less than 70%, AND at least 5% less than guideline maximum.<br> - FICO higher than 740, AND at least 20 points higher than guideline minimum. |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 7033736 |
| XXXX | 82660175 | XXXX C A | Closed | FCRE1278 | 2026-01-07 16:23 | 2026-01-12 07:43 | Resolved | 1 - Information C A | Credit | Eligibility | Escrow waiver guidelines were not met | Resolved-Upon further review, the loan file contained all required documentation. - Due Diligence Vendor-01/12/2026 <br> Ready for Review-This is a XXXX escrows are not allowed - Seller-01/08/2026 <br> Open-Missing Escrow waiver disclosure - Due Diligence Vendor-01/07/2026 | Ready for Review-This is a CES escrows are not allowed - Seller-01/08/2026<br>| Resolved-Upon further review, the loan file contained all required documentation. - Due Diligence Vendor-01/12/2026<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<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 66.37 Required is 80 Borrower has 66.37 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6968886 |
| XXXX | 82239957 | XXXX D A C | Closed | finding-3838 | 2025-12-16 13:52 | 2026-03-24 10:51 | Resolved | 1 - Information A | Compliance | ComplianceEase | Written List of Service Providers Disclosure Date Test | Resolved------Upon further review, finding resolved. - Due Diligence Vendor-03/24/2026 <br> Open-This loan failed the written list of service providers disclosure date test for one or more of the following reasons: (12 CFR §1026.19(e)(1)(vi))The written list of service providers disclosure date is either:Less than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction; orLater than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions)This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.19(e)(1)(e)(1)(iii) §1026.2(a)(6) and as it relates to §1026.19(a)(1)(vi) (which references the timing requirements for the loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:NoneAs not being open on PLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.If the consumer is permitted to shop for a settlement service, the creditor shall provide the consumer with a written list identifying available providers of that settlement service and stating that the consumer may choose a different provider for that service. The creditor must identify at least one available provider for each settlement service for which the consumer is permitted to shop. The creditor shall provide this written list of settlement service providers separately from the disclosures required by §1026.19(e)(1)(e)(1)(i) but in accordance with the timing requirements in §1026.19(e)(1)(e)(1)(iii). -----Application date per initial 1003 XXXX. SSPL issued XXXX. Not required. - Due Diligence Vendor-03/24/2026 |  | Resolved------Upon further review, finding resolved. - Due Diligence Vendor-03/24/2026<br>| CLTV is less than guidelines maximum - Required is 85 Borrower has 80<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.03<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 784 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6647830 |
| XXXX | 82239957 | XXXX D A C | Closed | finding-3635 | 2025-12-16 13:52 | 2026-01-21 07:52 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved------Upon further review, finding resolved. - Due Diligence Vendor-01/21/2026 <br> Ready for Review-Document Uploaded. - Seller-01/20/2026 <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% ($2,040.00) exceed the comparable charges ($0.00) by more than 10%. Please see the table that displays the Charges That Cannot Increase More Than 10% for a comparison of the data between the provided disclosures.An estimate of a charge for a third-party service or a recording fee is in good faith if:(A) The aggregate amount of charges for third-party services and recording fees paid by or imposed on the consumer does not exceed the aggregate amount of such charges disclosed under §1026.19(e)(1)(i) by more than 10 percent;(B) The charge for the third-party service is not paid to the creditor or an affiliate of the creditor; and(C) The creditor permits the consumer to shop for the third-party service, consistent with §1026.19(e)(1)(vi). -----Ten (10%) tolerance fees (title insurance, recording service, settlement, endorsement, recording) increased by XXXX 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 XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: XXXX. <br> \*\*\*\*This may be due to the initial disclosures not being delivered within 3 days of loan application date. - Due Diligence Vendor-12/16/2025 | Ready for Review-Document Uploaded. - Seller-01/20/2026<br>| Resolved------Upon further review, finding resolved. - Due Diligence Vendor-01/21/2026<br>| CLTV is less than guidelines maximum - Required is 85 Borrower has 80<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.03<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 784 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6647828 |
| XXXX | 82239957 | XXXX D A C | Closed | finding-3367 | 2025-12-16 13:52 | 2026-01-21 07:52 | Resolved | 1 - Information C A | Compliance | Disclosure | RESPA Homeownership Counseling Organizations Disclosure Date Test | Resolved------Upon further review, finding resolved. - Due Diligence Vendor-01/21/2026 <br> Ready for Review-Document Uploaded. - Seller-01/20/2026 <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, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.Please note: This test does not validate the content of any list of homeownership counseling organizations. -----Application date per initial 1003 XXXX. Disclosures issued XXXX. - Due Diligence Vendor-12/16/2025 | Ready for Review-Document Uploaded. - Seller-01/20/2026<br>| Resolved------Upon further review, finding resolved. - Due Diligence Vendor-01/21/2026<br>| CLTV is less than guidelines maximum - Required is 85 Borrower has 80<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.03<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 784 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6647824 |
| XXXX | 82239957 | XXXX D A C | Closed | finding-3634 | 2025-12-16 13:52 | 2026-01-21 07:52 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved------Upon further review, finding resolved. - Due Diligence Vendor-01/21/2026 <br> Ready for Review-Document Uploaded. - Seller-01/20/2026 <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 XXXX.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 $3574.00 (Lender, Broker, Appraisal, credit, flood, Tax Service) 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 XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 1 Year(s); Expiration Date: XXXX. \*\*\*\*This may be due to the initial disclosures not being delivered within 3 days of loan application date. - Due Diligence Vendor-12/16/2025 | Ready for Review-Document Uploaded. - Seller-01/20/2026<br>| Resolved------Upon further review, finding resolved. - Due Diligence Vendor-01/21/2026<br>| CLTV is less than guidelines maximum - Required is 85 Borrower has 80<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.03<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 784 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6647825 |
| XXXX | 82239957 | XXXX D A C | Closed | finding-3515 | 2025-12-16 13:52 | 2026-01-21 07:52 | Resolved | 1 - Information C A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved------Upon further review, finding resolved. - Due Diligence Vendor-01/21/2026 <br> Ready for Review-Document Uploaded. - Seller-01/20/2026 <br> Open-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A))The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page:As not being open on SundayAs not being open on SaturdayPLEASE NOTE: If a conflict results from the client preferences configured on the company settings business days profile page such that a day is marked as both open and closed, ComplianceAnalyzer calculations will presume the company's offices are closed to the public for carrying on substantially all of its business functions. If this is not the appropriate result, you must revise your settings to remove the conflict.The creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i) (provision of loan estimate form) not later than the third business day after the creditor receives the consumer's application. -----Missing initial LE dated within 3 days of Application date. Additional Findings may apply upon receipt. Statue of Limitations - 1 year, expiration date XXXX.<br> - Due Diligence Vendor-12/16/2025 | Ready for Review-Document Uploaded. - Seller-01/20/2026<br>| Resolved------Upon further review, finding resolved. - Due Diligence Vendor-01/21/2026<br>| CLTV is less than guidelines maximum - Required is 85 Borrower has 80<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.03<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 784 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6647829 |
| XXXX | 82239957 | XXXX D A C | Closed | FCRE5782 | 2025-12-18 14:50 | 2025-12-23 17:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM. - Due Diligence Vendor-12/23/2025 <br>Ready for Review-Document Uploaded. - Seller-12/22/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Gap Credit Report is Missing for B1 - Due Diligence Vendor-12/19/2025 | Ready for Review-Document Uploaded. - Seller-12/22/2025<br>| Resolved-Received UDM. - Due Diligence Vendor-12/23/2025<br>| CLTV is less than guidelines maximum - Required is 85 Borrower has 80<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 41.03<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 784 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6690210 |
| XXXX | 86380857 | XXXX D A | Closed | FCRE5782 | 2026-01-09 09:59 | 2026-01-14 17:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Borrower 1 UDM - Due Diligence Vendor-01/14/2026 <br>Ready for Review-Document Uploaded. - Seller-01/12/2026 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-01/09/2026 | Ready for Review-Document Uploaded. - Seller-01/12/2026<br>| Resolved-Received Borrower 1 UDM - Due Diligence Vendor-01/14/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.68 Required is 50 Borrower has 35.68<br>CLTV is less than guidelines maximum - Required is 85 Borrower has 65.83 Required is 85 Borrower has 65.83<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 709 Required is 680 Borrower has 709 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7005167 |
| XXXX | 86380857 | XXXX D A | Closed | FCRE5783 | 2026-01-09 09:59 | 2026-01-14 17:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received Borrower 2 UDM - Due Diligence Vendor-01/14/2026 <br>Ready for Review-Document Uploaded. - Seller-01/12/2026 <br>Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-01/09/2026 | Ready for Review-Document Uploaded. - Seller-01/12/2026<br>| Resolved-Received Borrower 2 UDM - Due Diligence Vendor-01/14/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.68 Required is 50 Borrower has 35.68<br>CLTV is less than guidelines maximum - Required is 85 Borrower has 65.83 Required is 85 Borrower has 65.83<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 709 Required is 680 Borrower has 709 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7005168 |
| XXXX | 86558153 | XXXX D A C | Closed | FCOM3527 | 2026-02-12 07:40 | 2026-03-16 14:23 | Resolved | 1 - Information C A | Compliance | TRID | Post Consummation CD issued improperly | Resolved-Received PCCD XXXX with LOE, Shipping label and check for difference in interest paid. Finding resolved. - Due Diligence Vendor-03/16/2026 <br> Ready for Review-Document Uploaded. - Seller-03/13/2026 <br> Counter------Received email chain stating recording issues. Per post close CD XXXX, cash did not disburse until XXXX. Section F Prepaid interest begin date of XXXX. Borrower paid interest starting on this date but did not receive funds until XXXX. Provide PCCD with correction or refund to borrower. Finding remains. - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Document Uploaded. - Seller-02/23/2026 <br> Open-\*\*\*\*NEW\*\*\*\*Disbursement date XXXX does not equal Section F Prepaid Interest begin date of XXXX. - Due Diligence Vendor-02/12/2026 | Ready for Review-Document Uploaded. - Seller-03/13/2026 <br>Ready for Review-Document Uploaded. - Seller-02/23/2026<br>| Resolved-Received PCCD XXXX with LOE, Shipping label and check for difference in interest paid. Finding resolved. - Due Diligence Vendor-03/16/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 787 Required is 680 Borrower has 787<br>CLTV is less than guidelines maximum - Required is 85 Borrower has 71.73<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.44 Required is 50 Borrower has 43.44 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7578762 |
| XXXX | 86558153 | XXXX D A C | Closed | FCRE0044 | 2026-02-09 18:02 | 2026-02-17 13:50 | Resolved | 1 - Information C A | Credit | Eligibility | File does not contain LOX for credit inquiries | Resolved-Received credit inquiry LOE. - Due Diligence Vendor-02/17/2026 <br> Ready for Review-Document Uploaded. - Seller-02/13/2026 <br> Open-LOX for credit inquiries is missing. \*New\* Please provide an LOE for the inquiries on XXXX and XXXX reporting on the Gap report. - Due Diligence Vendor-02/09/2026 | Ready for Review-Document Uploaded. - Seller-02/13/2026<br>| Resolved-Received credit inquiry LOE. - Due Diligence Vendor-02/17/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 787 Required is 680 Borrower has 787<br>CLTV is less than guidelines maximum - Required is 85 Borrower has 71.73<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.44 Required is 50 Borrower has 43.44 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7525773 |
| XXXX | 86558153 | XXXX D A C | Closed | finding-47 | 2026-01-22 17:24 | 2026-02-12 07:38 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-----Received PCCD with disbursement date XXXX. Finding resolved. - Due Diligence Vendor-02/12/2026 <br> Ready for Review-Document Uploaded. - Seller-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. -----Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-01/22/2026 | Ready for Review-Document Uploaded. - Seller-02/11/2026<br>| Resolved-----Received PCCD with disbursement date XXXX. Finding resolved. - Due Diligence Vendor-02/12/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 787 Required is 680 Borrower has 787<br>CLTV is less than guidelines maximum - Required is 85 Borrower has 71.73<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.44 Required is 50 Borrower has 43.44 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7255813 |
| XXXX | 86558153 | XXXX D A C | Closed | FCRE1159 | 2026-01-27 12:12 | 2026-02-11 14:04 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Renewal Policy - original policy in file at time of closing. - Due Diligence Vendor-02/11/2026 <br> Counter-Same policy provided, effective date is post the disbursement date. Finding remains. - Due Diligence Vendor-02/09/2026 <br> Ready for Review-Document Uploaded. - Seller-02/06/2026 <br> Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX . Loan disbursed on XXXX. Provide evidence the hazard insurance was in effect at the time of disbursement. - Due Diligence Vendor-01/27/2026 | Ready for Review-Document Uploaded. - Seller-02/06/2026<br>| Resolved-Renewal Policy - original policy in file at time of closing. - Due Diligence Vendor-02/11/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 787 Required is 680 Borrower has 787<br>CLTV is less than guidelines maximum - Required is 85 Borrower has 71.73<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.44 Required is 50 Borrower has 43.44 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7314773 |
| XXXX | 86558153 | XXXX D A C | Closed | FCRE5782 | 2026-01-27 13:07 | 2026-02-09 18:00 | 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-04/03/2026 <br>Ready for Review-Document Uploaded. - Seller-02/06/2026 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-01/27/2026 | Ready for Review-Document Uploaded. - Seller-02/06/2026<br>| Resolved-Received Borrower 1 Gap Credit Report. - Due Diligence Vendor-04/03/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 787 Required is 680 Borrower has 787<br>CLTV is less than guidelines maximum - Required is 85 Borrower has 71.73<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.44 Required is 50 Borrower has 43.44 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7316033 |
| XXXX | 86558153 | XXXX D A C | Closed | FCRE5783 | 2026-01-27 13:07 | 2026-02-09 18:00 | 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-04/03/2026 <br>Ready for Review-Document Uploaded. - Seller-02/06/2026 <br>Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-01/27/2026 | Ready for Review-Document Uploaded. - Seller-02/06/2026<br>| Resolved-Received Borrower 2 Gap Credit Report. - Due Diligence Vendor-04/03/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 787 Required is 680 Borrower has 787<br>CLTV is less than guidelines maximum - Required is 85 Borrower has 71.73<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.44 Required is 50 Borrower has 43.44 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7316034 |
| XXXX | 86558153 | XXXX D A C | Closed | finding-3939 | 2026-01-22 17:24 | 2026-02-09 07:34 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved------Received initial CD XXXX, COC XXXX. - Due Diligence Vendor-02/09/2026 <br> Ready for Review-Document Uploaded. ICD - Seller-02/06/2026 <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 XXXX and XXXX. -----Per Disclosure tracking in file, missing XXXX closing disclosure. - Due Diligence Vendor-01/22/2026 | Ready for Review-Document Uploaded. ICD - Seller-02/06/2026<br>| Resolved------Received initial CD XXXX, COC XXXX. - Due Diligence Vendor-02/09/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 787 Required is 680 Borrower has 787<br>CLTV is less than guidelines maximum - Required is 85 Borrower has 71.73<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 43.44 Required is 50 Borrower has 43.44 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7255814 |
| XXXX | 80719562 | XXXX D B A | Closed | FCRE0157 | 2025-12-31 13:56 | 2026-01-21 17:56 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not meet guideline requirements for loans listed for sale | Waived-Originator provided a waiver for listed for sale/cash out, applied to non material finding with comp factors - Due Diligence Vendor-01/21/2026 <br> Ready for Review-Document Uploaded. - Seller-01/18/2026 <br> Open-Loan does not meet guideline requirements for loans listed for sale. Cash out not eligible, primary home and subject was listed for sale last on XXXX just one month from the note date. - Due Diligence Vendor-12/31/2025 | Ready for Review-Document Uploaded. - Seller-01/18/2026<br>| Waived-Originator provided a waiver for listed for sale/cash out, applied to non material finding with comp factors - Due Diligence Vendor-01/21/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 717<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.62<br>CLTV is less than guidelines maximum - Required is 85 Borrower has 62.45 | FICO higher than 740, AND at least 20 points higher than guideline minimum<br> Housing payment history is 0x30x24 or better<br> Borrower has worked in same job more than 3 years<br> Borrower has worked in same industry more than 5 years<br> Borrower has verified residual Income (disposable income) of at least XXXX per month | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 6878832 |
| XXXX | 80719562 | XXXX D B A | Closed | FCRE1510 | 2025-12-24 14:36 | 2026-01-10 16:54 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received Mortgage w/Legal - Due Diligence Vendor-01/10/2026 <br>Ready for Review-Document Uploaded. - Seller-01/08/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Missing attached legal description. - Due Diligence Vendor-12/24/2025 | Ready for Review-Document Uploaded. - Seller-01/08/2026<br>| Resolved-Received Mortgage w/Legal - Due Diligence Vendor-01/10/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 717<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.62<br>CLTV is less than guidelines maximum - Required is 85 Borrower has 62.45 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6794529 |
| XXXX | 80719562 | XXXX D B A | Closed | FCRE5782 | 2025-12-31 12:59 | 2026-01-08 08:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received LQDM. - Due Diligence Vendor-01/08/2026 <br>Ready for Review-Document Uploaded. - Seller-01/06/2026 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-12/31/2025 | Ready for Review-Document Uploaded. - Seller-01/06/2026<br>| Resolved-Received LQDM. - Due Diligence Vendor-01/08/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 717<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 40.62<br>CLTV is less than guidelines maximum - Required is 85 Borrower has 62.45 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6877720 |
| XXXX | 81419688 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 81689133 | XXXX D A | Closed | FCRE5783 | 2025-12-31 12:29 | 2026-01-14 17:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received Borrower 2 UDM - Due Diligence Vendor-01/14/2026 <br>Ready for Review-Document Uploaded. - Seller-01/12/2026 <br>Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-12/31/2025 | Ready for Review-Document Uploaded. - Seller-01/12/2026<br>| Resolved-Received Borrower 2 UDM - Due Diligence Vendor-01/14/2026<br>| Months Reserves exceed minimum required - 0 months reserves required - borrower has 49.6 months<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 723 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6877074 |
| XXXX | 81689133 | XXXX D A | Closed | FCRE5782 | 2025-12-31 12:29 | 2026-01-14 17:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Borrower 1 UDM - Due Diligence Vendor-01/14/2026 <br>Ready for Review-Document Uploaded. - Seller-01/12/2026 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-12/31/2025 | Ready for Review-Document Uploaded. - Seller-01/12/2026<br>| Resolved-Received Borrower 1 UDM - Due Diligence Vendor-01/14/2026<br>| Months Reserves exceed minimum required - 0 months reserves required - borrower has 49.6 months<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 723 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6877073 |
| XXXX | 81689133 | XXXX D A | Closed | FCRE0180 | 2025-12-31 12:34 | 2026-01-14 17:31 | Resolved | 1 - Information C A | Credit | Eligibility | State Specific requirements were not met for Notary or Witness Signatures on the Mortgage Document | Resolved-Upon further review, the Notary can be a witness. - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Under XXXX statute, documents that convey an interest in real estate — like deeds — require signing in the presence of two subscribing witnesses. Mortgages by law are treated as a security instrument and do not necessarily require witness signatures for validity under state recording statutes. There is no XXXX statute or XXXX rule that uniquely requires two independent witness signatures on mortgages. - Seller-01/12/2026 <br> Open-State Specific requirements were not met for Notary or Witness Signatures on the Mortgage Document. XXXX required 2 witness signatures on mortgage. Only the notary signed the mortgage as both the notary and witness. - Due Diligence Vendor-12/31/2025 | Ready for Review-Under XXXX statute, documents that convey an interest in real estate — like deeds — require signing in the presence of two subscribing witnesses. Mortgages by law are treated as a security instrument and do not necessarily require witness signatures for validity under state recording statutes. There is noXXXX statute or XXXX rule that uniquely requires two independent witness signatures on mortgages. - Seller-01/12/2026 | Resolved-Upon further review, the Notary can be a witness. - Due Diligence Vendor-01/14/2026<br>| Months Reserves exceed minimum required - 0 months reserves required - borrower has 49.6 months<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 723 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6877185 |
| XXXX | 89005118 | XXXX D A | Closed | FCRE5782 | 2026-01-14 11:13 | 2026-01-21 17:59 | 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>Ready for Review-Document Uploaded. - Seller-01/18/2026 <br>Open-Borrower 1 Gap Credit Report is Missing. A gap credit or Undisclosed Debt Monitoring report is required no more than 10 days prior to loan closing or any time after closing. Any new debt must be included in determining the DTI ratio and any new inquiries must be addressed. - Due Diligence Vendor-01/14/2026 | Ready for Review-Document Uploaded. - Seller-01/18/2026<br>| Resolved-Received Gap Report. - Due Diligence Vendor-01/21/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 792<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 23.88 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7087202 |
| XXXX | 83114760 | XXXX D A | Closed | FCRE1255 | 2026-01-15 11:50 | 2026-01-26 08:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Other Property Insurance Policy Missing | Resolved-Received corrected 1008 - Due Diligence Vendor-01/26/2026 <br> Ready for Review-Document Uploaded. - Seller-01/22/2026 <br> Counter-Review supports monthly HOI as XXXX. Provide corrected 1008 removing XXXX with correct HOI. - Due Diligence Vendor-01/21/2026 <br> Ready for Review-Document Uploaded. MTG statement has escrows at XXXX - but tax cert supports XXXX and HOI supports XXXX - the difference is XXXX - Seller-01/18/2026 <br> Open-Missing documentation for additional XXXX included in subject's monthly mortgage payment (per 1008)<br> - Due Diligence Vendor-01/15/2026 | Ready for Review-Document Uploaded. - Seller-01/22/2026 <br> Ready for Review-Document Uploaded. MTG statement has escrows at XXXX - but tax cert supports XXXX and HOI supports XXXX - the difference is XXXX - Seller-01/18/2026 | Resolved-Received corrected 1008 - Due Diligence Vendor-01/26/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 805<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 27.59<br>CLTV is less than guidelines maximum - Required is 85 Borrower has 80 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7114275 |
| XXXX | 83114760 | XXXX D A | Closed | FCRE7497 | 2026-01-14 09:03 | 2026-01-21 18:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received HOI for 3b - Due Diligence Vendor-01/21/2026 <br>Ready for Review-Document Uploaded. - Seller-01/18/2026 <br>Open-Missing verification of insurance for non-subject property 3b. - Due Diligence Vendor-01/14/2026 | Ready for Review-Document Uploaded. - Seller-01/18/2026<br>| Resolved-Received HOI for 3b - Due Diligence Vendor-01/21/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 805<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 27.59<br>CLTV is less than guidelines maximum - Required is 85 Borrower has 80 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7083863 |
| XXXX | 83114760 | XXXX D A | Closed | FCRE5782 | 2026-01-14 09:05 | 2026-01-21 17:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM - Due Diligence Vendor-01/21/2026 <br>Ready for Review-Document Uploaded. - Seller-01/18/2026 <br>Open-Borrower 1 Gap Credit Report is Missing. A gap credit or Undisclosed Debt Monitoring report is required no more than 10 days prior to loan closing or any time after closing. Any new debt must be included in determining the DTI ratio and any new inquiries must be addressed. - Due Diligence Vendor-01/14/2026 | Ready for Review-Document Uploaded. - Seller-01/18/2026<br>| Resolved-Received UDM - Due Diligence Vendor-01/21/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 805<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 27.59<br>CLTV is less than guidelines maximum - Required is 85 Borrower has 80 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7083891 |
| XXXX | 85081584 | XXXX D B C A | Closed | FCRE0157 | 2026-01-28 23:17 | 2026-03-12 15:17 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not meet guideline requirements for loans listed for sale | Waived-Originator provided a waiver for no PPP, applied to non material finding with comp factors - Due Diligence Vendor-03/12/2026 <br> Ready for Review-Document Uploaded. - Seller-03/10/2026 <br> Counter-Exception provided, however the Decision Details is not complete. - Due Diligence Vendor-03/10/2026 <br> Ready for Review-Document Uploaded. requesting exception - Seller-03/06/2026 <br> Open-Loan does not meet guideline requirements for loans listed for sale. PEr guides, Primary, Second Homes, and Investment properties without a Prepayment Penalty: Properties that have been listed for sale within the past 6 months from the loan note date are<br> not eligible. There is no evidence of a prepayment penalty. AVM in file reflects subject was listed for sale XXXX and withdrawn on XXXX, less than 6 months prior to the Note date of XXXX. - Due Diligence Vendor-01/29/2026 | Ready for Review-Document Uploaded. - Seller-03/10/2026 <br>Ready for Review-Document Uploaded. requesting exception - Seller-03/06/2026<br>| Waived-Originator provided a waiver for no PPP, applied to non material finding with comp factors - Due Diligence Vendor-03/12/2026<br>| On time mortgage history exceeds guideline requirement - Borrower has 0x30x57 months mortgage history, guides require 0x30x12 months<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 72.97 | Monthly reserves are verified and at least 4 months more than guideline minimum<br> Housing payment history is 0x30x24 or better. | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | 7342970 |
| XXXX | 85081584 | XXXX D B C A | Closed | FCRE1964 | 2026-01-28 23:08 | 2026-03-09 14:07 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing income documentation | Waived-Originator provided a waiver for adoption assistance for less than 2 years, applied to non material finding with comp factors - Due Diligence Vendor-03/09/2026 <br>Ready for Review-Document Uploaded. - Seller-03/05/2026 <br>Counter-Exception approval provided, however it does not state what the exception is. Finding remains. - Due Diligence Vendor-02/09/2026 <br>Ready for Review-Document Uploaded. - Seller-02/06/2026 <br>Open-Borrower receiving adoption assistance for less than 24 months. Lender exception in file. - Due Diligence Vendor-01/29/2026 | Ready for Review-Document Uploaded. - Seller-03/05/2026 <br>Ready for Review-Document Uploaded. - Seller-02/06/2026<br>| Waived-Originator provided a waiver for adoption assistance for less than 2 years, applied to non material finding with comp factors - Due Diligence Vendor-03/09/2026<br>| On time mortgage history exceeds guideline requirement - Borrower has 0x30x57 months mortgage history, guides require 0x30x12 months<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 72.97 | Reserves (8 months coming from net proceeds from refinance) <br> Housing 0x30x24 months (57 months verified) | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | 7342937 |
| XXXX | 85081584 | XXXX D B C A | Closed | FCRE5782 | 2026-01-28 08:27 | 2026-02-10 13:04 | 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-02/10/2026 <br>Ready for Review-Document Uploaded. - Seller-02/09/2026 <br>Open-Borrower 1 Gap Credit Report is Missing A gap credit or Undisclosed Debt Monitoring report is required no more than 10 days prior to loan closing or any time after closing. Any new debt must be included in determining the DTI ratio and any new inquiries must be addressed. - Due Diligence Vendor-01/28/2026 | Ready for Review-Document Uploaded. - Seller-02/09/2026<br>| Resolved-Received Borrower 1 Gap Credit Report - Due Diligence Vendor-02/10/2026<br>| On time mortgage history exceeds guideline requirement - Borrower has 0x30x57 months mortgage history, guides require 0x30x12 months<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 72.97 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7326966 |
| XXXX | 85081584 | XXXX D B C A | Closed | FCRE1159 | 2026-01-28 07:58 | 2026-02-09 18:08 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received prior policy. - Due Diligence Vendor-02/09/2026 <br> Ready for Review-Document Uploaded. - Seller-02/06/2026 <br> Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX Missing evidence of active coverage at the time of close. - Due Diligence Vendor-01/28/2026 | Ready for Review-Document Uploaded. - Seller-02/06/2026<br>| Resolved-Received prior policy. - Due Diligence Vendor-02/09/2026<br>| On time mortgage history exceeds guideline requirement - Borrower has 0x30x57 months mortgage history, guides require 0x30x12 months<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 72.97 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7326616 |
| XXXX | 85081584 | XXXX D B C A | Closed | FCRE1148 | 2026-01-28 07:47 | 2026-02-09 18:07 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received revised commitment w/sufficient coverage. - Due Diligence Vendor-02/09/2026 <br>Ready for Review-Document Uploaded. - Seller-02/06/2026 <br>Open-Insufficient Title Coverage. Amount of coverage is less than the Loan Amount. Title reflects coverage that is less than the loan amount. <br> - Due Diligence Vendor-01/28/2026 | Ready for Review-Document Uploaded. - Seller-02/06/2026<br>| Resolved-Received revised commitment w/sufficient coverage. - Due Diligence Vendor-02/09/2026<br>| On time mortgage history exceeds guideline requirement - Borrower has 0x30x57 months mortgage history, guides require 0x30x12 months<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 72.97 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7326323 |
| XXXX | 85081584 | XXXX D B C A | Closed | finding-3634 | 2026-01-28 12:20 | 2026-02-09 08:03 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved------Received CD XXXX, COC XXXX. Finding resolved. - Due Diligence Vendor-02/09/2026 <br> Ready for Review-Document Uploaded. - Seller-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 XXXX.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 XXXX (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 XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: XXXX. There is a COC dated XXXX, but no CD within 3 days of that COC.<br> - Due Diligence Vendor-01/28/2026 | Ready for Review-Document Uploaded. - Seller-02/06/2026<br>| Resolved------Received CD XXXX, COC XXXX. Finding resolved. - Due Diligence Vendor-02/09/2026 | On time mortgage history exceeds guideline requirement - Borrower has 0x30x57 months mortgage history, guides require 0x30x12 months<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 72.97 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7333834 |
| XXXX | 80580320 | XXXX D A | Closed | FCRE1193 | 2026-01-22 11:33 | 2026-02-05 13:10 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Bank statements reflect additional debts were paid by the borrower's business. - Due Diligence Vendor-02/05/2026 <br> Counter-Correct primary payment and excluded auto loan paid by business DTI 54.49% - Due Diligence Vendor-02/04/2026 <br> Ready for Review-Document Uploaded. - Seller-01/30/2026 <br> Counter-PITIA for non Subject REO provided. Please provide a corrected 1003 and 12 months proof business pays auto loan. - Due Diligence Vendor-01/29/2026 <br> Ready for Review-Document Uploaded. - Seller-01/28/2026 <br> Counter-Received note auto loan paid by business. Provide corrected final 1003 and 12 months proof business pays auto loan. - Due Diligence Vendor-01/27/2026 <br> Ready for Review-XXXX - paid out of business account XXXX - Seller-01/24/2026 <br> Open-Audited DTI of 61.67% exceeds Guideline DTI of 50%. DTI does not meet the minimal requirements per guidelines. - Due Diligence Vendor-01/22/2026 | Ready for Review-Document Uploaded. - Seller-01/30/2026 <br> Ready for Review-Document Uploaded. - Seller-01/28/2026 <br> Ready for Review-XXXX - paid out of business account XXXX - Seller-01/24/2026 | Resolved-Bank statements reflect additional debts were paid by the borrower's business. - Due Diligence Vendor-02/05/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 729 and minimum allowed is 700. Required is 700 Borrower has 729<br>CLTV is less than guidelines maximum - CLTV is 72.08 and max allowed is 80%. Required is 80 Borrower has 72.08 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7246279 |
| XXXX | 80580320 | XXXX D A | Closed | FCRE7497 | 2026-01-22 11:04 | 2026-01-29 16:57 | 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-01/29/2026 <br> Ready for Review-Document Uploaded. - Seller-01/28/2026 <br> Counter-Received mtg statement for subject. Missing verification of taxes, insurance, and/or HOA fees for non-subject property for REO 3B XXXX - Due Diligence Vendor-01/27/2026 <br> Ready for Review-Document Uploaded. - Seller-01/24/2026 <br> Open-Missing verification of taxes, insurance, and/or HOA fees for non-subject property for REO 3B. Need verification the T/I are included in the mortgage payment. - Due Diligence Vendor-01/22/2026 | Ready for Review-Document Uploaded. - Seller-01/28/2026 <br>Ready for Review-Document Uploaded. - Seller-01/24/2026<br>| Resolved-Received PITIA. - Due Diligence Vendor-01/29/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 729 and minimum allowed is 700. Required is 700 Borrower has 729<br>CLTV is less than guidelines maximum - CLTV is 72.08 and max allowed is 80%. Required is 80 Borrower has 72.08 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7242465 |
| XXXX | 80580320 | XXXX D A | Closed | FCRE7009 | 2026-01-22 10:38 | 2026-01-27 15:28 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Received Checklist of Coverage confirming sufficient coverage. - Due Diligence Vendor-01/27/2026 <br>Ready for Review-Document Uploaded. - Seller-01/24/2026 <br>Open-Insufficient Coverage Amount for Insured Subject Property. Guidelines require the lesser of the replacement cost or the unpaid principal balance of the mortgages. See guidelines for more details. - Due Diligence Vendor-01/22/2026 | Ready for Review-Document Uploaded. - Seller-01/24/2026<br>| Resolved-Received Checklist of Coverage confirming sufficient coverage. - Due Diligence Vendor-01/27/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Score is 729 and minimum allowed is 700. Required is 700 Borrower has 729<br>CLTV is less than guidelines maximum - CLTV is 72.08 and max allowed is 80%. Required is 80 Borrower has 72.08 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7241702 |
| XXXX | 84320197 | XXXX D A C | Closed | finding-3634 | 2026-02-03 11:17 | 2026-02-20 14:49 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved------Received PCCD XXXX and LOX. Principal reduction added XXXX. Finding resolved. . - Due Diligence Vendor-02/20/2026 <br> Ready for Review------Received PCCDXXXX and LOX. Principal reduction added XXXX. Finding resolved.<br> . - Due Diligence Vendor-02/10/2026 <br> Ready for Review-Document Uploaded. - Seller-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 XXXX.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 XXXX (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 XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: XXXX. - Due Diligence Vendor-02/03/2026 | Ready for Review-Document Uploaded. - Seller-02/09/2026<br>| Resolved------Received PCCD XXXX and LOX. Principal reduction added XXXX. Finding resolved. . - Due Diligence Vendor-02/20/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 792<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 11.87 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7419936 |
| XXXX | 84320197 | XXXX D A C | Closed | FCRE5782 | 2026-02-06 11:20 | 2026-02-09 18:04 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-02/09/2026 <br>Ready for Review-Document Uploaded. - Seller-02/06/2026 <br>Open-Borrower 1 Gap Credit Report is Missing Missing Gap Rep - Due Diligence Vendor-02/06/2026 | Ready for Review-Document Uploaded. - Seller-02/06/2026<br>| Resolved-Received Gap Report. - Due Diligence Vendor-02/09/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 792<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 11.87 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7491064 |
| XXXX | 84804652 | XXXX C A | Closed | FCRE1510 | 2026-01-21 17:39 | 2026-02-17 13:53 | 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-02/17/2026 <br>Ready for Review-Document Uploaded. - Seller-02/13/2026 <br>Counter-Received Exhibit A. Please provide chain of documents to confirmed Exhibit A has been recorded with Deed of Trust. - Due Diligence Vendor-02/10/2026 <br>Ready for Review-Document Uploaded. - Seller-02/09/2026 <br>Counter-Legal from the commitment provided. Please provide a copy of the legal being sent for recording with the Mortgage. - Due Diligence Vendor-01/30/2026 <br>Ready for Review-Document Uploaded. - Seller-01/29/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. ----- Missing Legal Description - Due Diligence Vendor-01/21/2026 | Ready for Review-Document Uploaded. - Seller-02/13/2026 <br>Ready for Review-Document Uploaded. - Seller-02/09/2026 <br>Ready for Review-Document Uploaded. - Seller-01/29/2026<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-02/17/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.31<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 781 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7227428 |
| XXXX | 87435480 | XXXX D A | Closed | FCRE7805 | 2026-02-13 15:25 | 2026-02-19 14:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Income - Bank Statements | Resolved-LOE not required - Due Diligence Vendor-02/19/2026 <br> Counter-Received processors cert no XXXX and XXXX xxXXXX. Unable to determine why no longer using 2 accounts for XXXX. Missing UW narrative and borrower LOE. - Due Diligence Vendor-02/18/2026 <br> Ready for Review-Document Uploaded. - Seller-02/17/2026 <br> Open-Missing bank statements for xxXXXX for business XXXX and XXXX.<br> - Due Diligence Vendor-02/13/2026 | Ready for Review-Document Uploaded. - Seller-02/17/2026<br>| Resolved-LOE not required - Due Diligence Vendor-02/19/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 754<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.88<br>CLTV is less than guidelines maximum - Required is 75 Borrower has 57.13 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7617154 |
| XXXX | 87435480 | XXXX D A | Closed | FCRE7497 | 2026-02-13 16:22 | 2026-02-18 15:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received final CD. - Due Diligence Vendor-02/18/2026 <br>Ready for Review-Document Uploaded. - Seller-02/17/2026 <br>Open-Missing CD and copy of NOTE with new mortgage payment breakdown for REO 3B recently refinanced - Due Diligence Vendor-02/13/2026 | Ready for Review-Document Uploaded. - Seller-02/17/2026<br>| Resolved-Received final CD. - Due Diligence Vendor-02/18/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 754<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.88<br>CLTV is less than guidelines maximum - Required is 75 Borrower has 57.13 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7618486 |
| XXXX | 87435480 | XXXX D A | Closed | FCRE1510 | 2026-02-06 14:10 | 2026-02-18 15:39 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-02/18/2026 <br>Ready for Review-Document Uploaded. - Seller-02/17/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Missing legal description - Due Diligence Vendor-02/06/2026 | Ready for Review-Document Uploaded. - Seller-02/17/2026<br>| Resolved-Received complete security instrument inclusive of legal description. - Due Diligence Vendor-02/18/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 754<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.88<br>CLTV is less than guidelines maximum - Required is 75 Borrower has 57.13 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7495809 |
| XXXX | 85023500 | XXXX D B A | Closed | FCRE5782 | 2026-01-23 08:35 | 2026-02-05 08:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM with no alerts. URL on bottom to confirm date pulled. - Due Diligence Vendor-02/05/2026 <br>Ready for Review-Document Uploaded. - Seller-02/03/2026 <br>Open-Borrower 1 Gap Credit Report is Missing A gap credit or Undisclosed Debt Monitoring report is required no more than 10 days prior to loan closing or any time after closing. Any new debt must be included in determining the DTI ratio and any new inquiries must be addressed. - Due Diligence Vendor-01/23/2026 | Ready for Review-Document Uploaded. - Seller-02/03/2026<br>| Resolved-Received UDM with no alerts. URL on bottom to confirm date pulled. - Due Diligence Vendor-02/05/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 784<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.67<br>CLTV is less than guidelines maximum - Required is 85 Borrower has 79.92 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7266000 |
| XXXX | 85023500 | XXXX D B A | Closed | FCRE1437 | 2026-01-23 08:25 | 2026-02-05 08:55 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived-Originator provided a waiver to allow use personal bank statements without adding non-borrower toloan. , applied to non material finding with comp factors. - Due Diligence Vendor-02/05/2026 <br>Ready for Review-Document Uploaded. exception was approved for this. - Seller-02/03/2026 <br>Open-Income and Employment Do Not Meet Guidelines Income documents are bank statements, the bank statements are in the name of the borrower and 1 other person. Per the guidelines, all parties listed on the bank statements must be included as borrowers. Loan only has 1 borrower.<br> - Due Diligence Vendor-01/23/2026 | Ready for Review-Document Uploaded. exception was approved for this. - Seller-02/03/2026<br>| Waived-Originator provided a waiver to allow use personal bank statements without adding non-borrower toloan. , applied to non material finding with comp factors. - Due Diligence Vendor-02/05/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 784<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 33.67<br>CLTV is less than guidelines maximum - Required is 85 Borrower has 79.92 | FICO higher than 740, AND at least 20 points higher than guideline minimum<br> Qualifying DTI less than 35%, AND at least 10% less than guideline maximum<br> Housing payment history is 0x30x24 or better<br> Borrower has worked in same industry more than 5 years | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 7265781 |
| XXXX | 83113568 | XXXX D A | Closed | FCRE1510 | 2026-01-23 12:47 | 2026-02-06 14:17 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-Received DOT w/Legal - Due Diligence Vendor-02/06/2026 <br>Ready for Review-Document Uploaded. - 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-01/23/2026 | Ready for Review-Document Uploaded. - Seller-02/04/2026<br>| Resolved-Received DOT w/Legal - Due Diligence Vendor-02/06/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 732<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 74.99<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 23.16 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Refinance | Cash Out - Other | N/A | N/A | 7274235 |
| XXXX | 83113568 | XXXX D A | Closed | FCRE7805 | 2026-01-28 09:27 | 2026-02-06 14:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Income - Bank Statements | Resolved-Received XXXX Statement. - Due Diligence Vendor-02/06/2026 <br> Ready for Review-Document Uploaded. - Seller-02/04/2026 <br> Open-XXXX CU acct # XXXX XXXX not provided - Due Diligence Vendor-01/28/2026 | Ready for Review-Document Uploaded. - Seller-02/04/2026<br>| Resolved-Received XXXX Statement. - Due Diligence Vendor-02/06/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 732<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 74.99<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 23.16 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Second Home | Refinance | Cash Out - Other | N/A | N/A | 7328007 |
| XXXX | 87956071 | XXXX D B C A | Closed | finding-47 | 2026-02-11 14:40 | 2026-02-27 08:00 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD XXXX, disbursesment date XXXX. Finding resolved. - Due Diligence Vendor-02/27/2026 <br> Ready for Review-Document Uploaded. - Seller-02/26/2026 <br> Counter------Provide PCCD with disbursement date after the ROR expiration date. - Due Diligence Vendor-02/24/2026 <br> Ready for Review-Document Uploaded. - Seller-02/23/2026 <br> Counter------Provide evidence that rescission was re-opened for a full three days and proof of receipt from borrower. The 3 day mailbox rule is not acceptable for evidence of receipt. - Due Diligence Vendor-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 Cancel of Date on the Right to Cancel doc is XXXX and is less than three days from the closing date of XXXX. Three days of Rescission was not provided to borrower. Provide evidence that rescission was re-opened for a full three days.<br> - Due Diligence Vendor-02/11/2026 | Ready for Review-Document Uploaded. - Seller-02/26/2026 <br>Ready for Review-Document Uploaded. - Seller-02/23/2026<br>| Resolved-Received PCCD XXXX, disbursesment date XXXX. Finding resolved. - Due Diligence Vendor-02/27/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 717<br>CLTV is less than guidelines maximum - Required is 85 Borrower has 25.16 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7566042 |
| XXXX | 87956071 | XXXX D B C A | Closed | FPRO1249 | 2026-02-17 13:32 | 2026-02-20 14:15 | Waived | 2 - Non-Material C B | Credit | Eligibility | Neighborhood Location Not Allowed for Program | Waived-Originator provided a waiver for property location, applied to non material finding with comp factors - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Document Uploaded. Per XXXX this is not an exception to them, this internal exception was approved on our end - Seller-02/19/2026 <br> Open-Primary Value Valuation Neighborhood Location Not Allowed for Program Rural subject properties are ineligible for the XXXX product<br> - Due Diligence Vendor-02/17/2026 | Ready for Review-Document Uploaded. Per XXXX this is not an exception to them, this internal exception was approved on our end - Seller-02/19/2026 | Waived-Originator provided a waiver for property location, applied to non material finding with comp factors - Due Diligence Vendor-02/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 717<br>CLTV is less than guidelines maximum - Required is 85 Borrower has 25.16 | LTV less than 70%, and at least 5% less than guideline minimum<br> Same job for more than 3 years. | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 7660096 |
| XXXX | 87956071 | XXXX D B C A | Closed | FCRE5782 | 2026-02-17 14:09 | 2026-02-20 14:13 | 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. - Seller-02/19/2026 <br>Open-Borrower 1 Gap Credit Report is Missing A gap credit or Undisclosed Debt Monitoring report is required no more than 10 days prior to loan closing or any time after closing. Any new debt must be included in determining the DTI ratio and any new inquiries must be addressed.<br> - Due Diligence Vendor-02/17/2026 | Ready for Review-Document Uploaded. - Seller-02/19/2026<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-02/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 717<br>CLTV is less than guidelines maximum - Required is 85 Borrower has 25.16 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7660874 |
| XXXX | 87956071 | XXXX D B C A | Closed | FCRE5783 | 2026-02-17 14:09 | 2026-02-20 14:13 | 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-02/20/2026 <br>Ready for Review-Document Uploaded. - Seller-02/19/2026 <br>Open-Borrower 2 Gap Credit Report is Missing A gap credit or Undisclosed Debt Monitoring report is required no more than 10 days prior to loan closing or any time after closing. Any new debt must be included in determining the DTI ratio and any new inquiries must be addressed. - Due Diligence Vendor-02/17/2026 | Ready for Review-Document Uploaded. - Seller-02/19/2026<br>| Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-02/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 717<br>CLTV is less than guidelines maximum - Required is 85 Borrower has 25.16 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7660875 |
| XXXX | 87956071 | XXXX D B C A | Closed | FCOM1125 | 2026-02-11 13:12 | 2026-02-11 13:12 | Waived | 2 - Non-Material B | Compliance | Data | Borrower 2 Final Signature Date is in the future | Waived-Borrower 2 Final Signature Date is greater than the transaction date of XXXX Originator waiver applied to non-material Findings.<br>- Due Diligence Vendor-02/11/2026 |  | Waived-Borrower 2 Final Signature Date is greater than the transaction date of XXXX Originator waiver applied to non-material Findings.<br>- Due Diligence Vendor-02/11/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 717<br>CLTV is less than guidelines maximum - Required is 85 Borrower has 25.16 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 7563924 |
| XXXX | 85261839 | XXXX D A C | Closed | FCRE1316 | 2026-01-30 14:43 | 2026-02-10 13:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received XXXX confirming business active - Due Diligence Vendor-02/10/2026 <br> Ready for Review-Document Uploaded. - Seller-02/06/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing 3rd party verification of the borrowers employment. - Due Diligence Vendor-02/02/2026 | Ready for Review-Document Uploaded. - Seller-02/06/2026<br>| Resolved-Received XXXX confirming business active - Due Diligence Vendor-02/10/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 745<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 26.08<br>CLTV is less than guidelines maximum - Required is 85 Borrower has 76.17 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7381075 |
| XXXX | 85261839 | XXXX D A C | Closed | FCRE1206 | 2026-02-02 09:07 | 2026-02-10 13:08 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received Processor Cert confirming appraiser checked against exclusionary list. - Due Diligence Vendor-02/10/2026 <br>Ready for Review-Document Uploaded. - Seller-02/06/2026 <br>Open-All Interested Parties Not Checked with Exclusionary Lists The appraisal company reflects insufficient data, no documentation provided to support the appraisal company has been cleared against the exclusionary list. - Due Diligence Vendor-02/02/2026 | Ready for Review-Document Uploaded. - Seller-02/06/2026<br>| Resolved-Received Processor Cert confirming appraiser checked against exclusionary list. - Due Diligence Vendor-02/10/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 745<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 26.08<br>CLTV is less than guidelines maximum - Required is 85 Borrower has 76.17 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7395541 |
| XXXX | 85261839 | XXXX D A C | Closed | FCRE5782 | 2026-01-30 14:59 | 2026-02-10 13:07 | 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. - Seller-02/06/2026 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-01/30/2026 | Ready for Review-Document Uploaded. - Seller-02/06/2026<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-02/10/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 745<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 26.08<br>CLTV is less than guidelines maximum - Required is 85 Borrower has 76.17 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7381353 |
| XXXX | 85261839 | XXXX D A C | Closed | finding-3634 | 2026-01-28 10:35 | 2026-02-10 08:21 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved------Upon further review, finding resolved. - Due Diligence Vendor-02/10/2026 <br> Ready for Review-Document Uploaded. - Seller-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 XXXX.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 XXXX (discount points and 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 XXXX post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: XXXX - Due Diligence Vendor-01/28/2026 | Ready for Review-Document Uploaded. - Seller-02/06/2026<br>| Resolved------Upon further review, finding resolved. - Due Diligence Vendor-02/10/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 745<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 26.08<br>CLTV is less than guidelines maximum - Required is 85 Borrower has 76.17 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7330437 |
| XXXX | 85261839 | XXXX D A C | Closed | FCRE7009 | 2026-01-30 14:20 | 2026-02-02 09:21 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-This condition is resolved or not applicable. - Due Diligence Vendor-02/02/2026 <br>Open-Insufficient Coverage Amount for Insured Subject Property. No RCE provided to document and unable to verify additional replacement cost. - Due Diligence Vendor-01/30/2026 |  | Resolved-This condition is resolved or not applicable. - Due Diligence Vendor-02/02/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 745<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 26.08<br>CLTV is less than guidelines maximum - Required is 85 Borrower has 76.17 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7380691 |
| XXXX | 88998298 | XXXX D A | Closed | FCOM1232 | 2026-02-13 11:39 | 2026-03-16 14:28 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-Received Final 1003. Finding Resolved. - Due Diligence Vendor-03/16/2026 <br>Ready for Review-Document Uploaded. - Seller-03/13/2026 <br>Open-The Final 1003 is Missing Provide Borrower executed Final 1003. - Due Diligence Vendor-02/13/2026 | Ready for Review-Document Uploaded. - Seller-03/13/2026<br>| Resolved-Received Final 1003. Finding Resolved. - Due Diligence Vendor-03/16/2026<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - $75,000 residual disposable income exceeds $5250<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 24.03 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7611095 |
| XXXX | 88998298 | XXXX D A | Closed | FCRE0044 | 2026-02-13 13:30 | 2026-02-26 15:57 | 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-02/26/2026 <br> Ready for Review-Inquiries on credit report dated XXXX are outside of the 90 day period, which would be to XXXX. Please waive. - Seller-02/25/2026 <br> Open-LOX for credit inquiries is missing. - Due Diligence Vendor-02/13/2026 | Ready for Review-Inquiries on credit report dated XXXX are outside of the 90 day period, which would be to XXXX. Please waive. - Seller-02/25/2026 | Resolved-Upon further review, the loan file contained all required credit documentation. - Due Diligence Vendor-02/26/2026<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - $75,000 residual disposable income exceeds $5250<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 24.03 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7614321 |
| XXXX | 88998298 | XXXX D A | Closed | FCRE5782 | 2026-02-13 10:14 | 2026-02-26 15:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM - Due Diligence Vendor-02/26/2026 <br>Ready for Review-Document Uploaded. - Seller-02/25/2026 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-02/13/2026 | Ready for Review-Document Uploaded. - Seller-02/25/2026<br>| Resolved-Received UDM - Due Diligence Vendor-02/26/2026<br>| Residual Income =/> 1.5 times $3,500 monthly residual income - $75,000 residual disposable income exceeds $5250<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 24.03 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7608393 |
| XXXX | 89275724 | XXXX D A | Closed | FCRE1325 | 2026-02-27 12:30 | 2026-03-09 17:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Received CPA license validation. - Due Diligence Vendor-03/09/2026 <br>Ready for Review-Document Uploaded. - Seller-03/06/2026 <br>Open-Borrower 1 CPA Letter Missing CPA letter did not show the license number of the preparer. - Due Diligence Vendor-02/27/2026 | Ready for Review-Document Uploaded. - Seller-03/06/2026<br>| Resolved-Received CPA license validation. - Due Diligence Vendor-03/09/2026<br>| CLTV is less than guidelines maximum - Required is 85 Borrower has 47.08<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 26.34<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 768 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7847707 |
| XXXX | 89275724 | XXXX D A | Closed | FCRE1316 | 2026-02-27 12:30 | 2026-03-09 17:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received VVOE. - Due Diligence Vendor-03/09/2026 <br>Ready for Review-Document Uploaded. - Seller-03/06/2026 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Provide VVOE. - Due Diligence Vendor-02/27/2026 | Ready for Review-Document Uploaded. - Seller-03/06/2026<br>| Resolved-Received VVOE. - Due Diligence Vendor-03/09/2026<br>| CLTV is less than guidelines maximum - Required is 85 Borrower has 47.08<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 26.34<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 768 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7847706 |
| XXXX | 89275724 | XXXX D A | Closed | FCRE1254 | 2026-02-27 11:56 | 2026-03-09 17:22 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received confirmation title removed judgment as not belonging to borrowers. - Due Diligence Vendor-03/09/2026 <br>Ready for Review-Document Uploaded. - Seller-03/06/2026 <br>Open-Property Title Issue Provide proof item #7 in regards to judgments has been satisfied or removed - Due Diligence Vendor-02/27/2026 | Ready for Review-Document Uploaded. - Seller-03/06/2026<br>| Resolved-Received confirmation title removed judgment as not belonging to borrowers. - Due Diligence Vendor-03/09/2026<br>| CLTV is less than guidelines maximum - Required is 85 Borrower has 47.08<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 26.34<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 768 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7846973 |
| XXXX | 89275724 | XXXX D A | Closed | FCRE5782 | 2026-02-27 12:46 | 2026-03-09 17:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM. - Due Diligence Vendor-03/09/2026 <br>Ready for Review-Document Uploaded. - Seller-03/06/2026 <br>Open-Borrower 1 Gap Credit Report is Missing Provide required gap report or UDM. - Due Diligence Vendor-02/27/2026 | Ready for Review-Document Uploaded. - Seller-03/06/2026<br>| Resolved-Received UDM. - Due Diligence Vendor-03/09/2026<br>| CLTV is less than guidelines maximum - Required is 85 Borrower has 47.08<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 26.34<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 768 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7847981 |
| XXXX | 87363366 | XXXX C A | Closed | finding-651 | 2026-01-30 09:36 | 2026-02-13 08:29 | Resolved | 1 - Information C A | Compliance | Points & Fees | TILA Finance Charge Test | Resolved------Received PCCD XXXX with tolerance cure. Finding resolved. - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Document Uploaded. - Seller-02/11/2026 <br> Counter------The Document Preparation Fee is in Section A (which is an automatic PPFC). This is the difference in the Finance Charge. Document Preparation fee is not usually a PPFC. - Due Diligence Vendor-02/09/2026 <br> Ready for Review-Can you please provide a breakdown of your finance fees included in the test? We are not showing a difference. - Seller-02/06/2026 <br> Open-This loan failed the TILA finance charge test.(12 CFR §1026.38(o)(2))The finance charge is XXXX. The disclosed finance charge of XXXX 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 XXXX. The disclosed finance charge of XXXX is not considered accurate because it is understated by more than $100 at $350.00. Provide evidence of refund or principal reduction of XXXX 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 XXXX.<br> - Due Diligence Vendor-01/30/2026 | Ready for Review-Document Uploaded. - Seller-02/11/2026 <br>Ready for Review-Can you please provide a breakdown of your finance fees included in the test? We are not showing a difference. - Seller-02/06/2026<br>| Resolved------Received PCCD XXXX with tolerance cure. Finding resolved. - Due Diligence Vendor-02/13/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 773<br>CLTV is less than guidelines maximum - Required is 85 Borrower has 55.46 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7372722 |
| XXXX | 87363366 | XXXX C A | Closed | FCRE5790 | 2026-02-03 08:55 | 2026-02-09 14:41 | 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-02/09/2026 <br> Ready for Review-Document Uploaded. - Seller-02/05/2026 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). Provide updated monitoring report. Most current report was created on XXXX. - Due Diligence Vendor-02/03/2026 | Ready for Review-Document Uploaded. - Seller-02/05/2026<br>| Resolved-Received UDM - Due Diligence Vendor-02/09/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 773<br>CLTV is less than guidelines maximum - Required is 85 Borrower has 55.46 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7414281 |
| XXXX | 87363366 | XXXX C A | Closed | FCRE1179 | 2026-02-03 08:37 | 2026-02-09 14:33 | Resolved | 1 - Information C A | Credit | Insurance | Other Property Insurance Policy Expiration Date is before the Note Date | Resolved-Received HOI renewal. - Due Diligence Vendor-02/09/2026 <br> Ready for Review-Document Uploaded. - Seller-02/05/2026 <br> Open-Other Property Insurance Policy Expiration Date of XXXX is prior to the Note Date of XXXX Provide updated supplemental insurance policy. The policy in file is expired. - Due Diligence Vendor-02/03/2026 | Ready for Review-Document Uploaded. - Seller-02/05/2026<br>| Resolved-Received HOI renewal. - Due Diligence Vendor-02/09/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 773<br>CLTV is less than guidelines maximum - Required is 85 Borrower has 55.46 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7413910 |
| XXXX | 87150104 | XXXX D A | Closed | FCOM1351 | 2026-02-02 14:10 | 2026-03-23 09:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-Received personal guaranty and e-sign validation - Due Diligence Vendor-02/17/2026 <br>Ready for Review-Document Uploaded. - Seller-02/13/2026 <br>Counter-Yes. Document can be e-signed. Provide e-sign verification. - Due Diligence Vendor-02/10/2026 <br>Ready for Review-Can guaranty agreement be electronically signed? i.e. DocuSign - Seller-02/09/2026 | Ready for Review-Document Uploaded. - Seller-02/13/2026 <br>Ready for Review-Can guaranty agreement be electronically signed? i.e. DocuSign - Seller-02/09/2026<br>| Resolved-Received personal guaranty and e-sign validation - Due Diligence Vendor-02/17/2026<br>| CLTV is less than guidelines maximum - Required is 80 Borrower has 74.93<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 8.75 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7403539 |
| XXXX | 87150104 | XXXX D A | Closed | FCRE1204 | 2026-02-02 13:25 | 2026-02-11 11:37 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Documentation to Clear alerts in file - <br> SS# - Pg 531 - DataVerify - DOES MATCH<br> XXXX owned by XXXX, not bwr.- Property Report - Pg 64 - Due Diligence Vendor-02/11/2026 <br> Counter-Received Processor Cert. Missing documents noted on 1008 used to clear alerts. - Due Diligence Vendor-02/10/2026 <br> Ready for Review-Document Uploaded. - Seller-02/07/2026 <br> Open-Fraud Report Shows Uncleared Alerts documentation to support the two high alerts were cleared not located in file. - Due Diligence Vendor-02/02/2026 | Ready for Review-Document Uploaded. - Seller-02/07/2026<br>| Resolved-Documentation to Clear alerts in file - <br> SS# - Pg 531 - DataVerify - DOES MATCH<br> XXXX owned by XXXX and XXXX XXXX, not bwr.- Property Report - Pg 64 - Due Diligence Vendor-02/11/2026 | CLTV is less than guidelines maximum - Required is 80 Borrower has 74.93<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 8.75 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7402558 |
| XXXX | 84869028 | XXXX C B A | Closed | FCRE8888 | 2026-02-17 13:46 | 2026-02-18 11:38 | Waived | 2 - Non-Material C B | Credit | Eligibility | Missing First Mtg Note | Waived-Originator exception granted to allow no copy of 1st lien note provided . Non-material waiver applied with comp factors. Deemed non-material due to mortgage statement given shows 1st lien meets requirements. - Due Diligence Vendor-02/18/2026 <br>Open-Missing Note for 1st lien - Due Diligence Vendor-02/17/2026 |  | Waived-Originator exception granted to allow no copy of 1st lien note provided . Non-material waiver applied with comp factors. Deemed non-material due to mortgage statement given shows 1st lien meets requirements. - Due Diligence Vendor-02/18/2026<br>| CLTV is less than guidelines maximum - Required is 85 Borrower has 76.91<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 722<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 24.38 | LTV 5% less than max allowed<br> FICO 20 pts higher than minimum required |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 7660426 |
| XXXX | 87414513 | XXXX C A | Closed | FCRE1206 | 2026-02-17 12:15 | 2026-02-20 15:32 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received updated fraud report reflecting all interested parties. - Due Diligence Vendor-02/20/2026 <br>Ready for Review-Document Uploaded. updated just uploaded - Seller-02/18/2026 <br>Open-All Interested Parties Not Checked with Exclusionary Lists Borrower's LLC was not included in Fraud Report search. - Due Diligence Vendor-02/17/2026 | Ready for Review-Document Uploaded. updated just uploaded - Seller-02/18/2026<br>| Resolved-Received updated fraud report reflecting all interested parties. - Due Diligence Vendor-02/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 739 Required is 700 Borrower has 739<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 74.03 Required is 80 Borrower has 74.03 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7657897 |
| XXXX | 87414513 | XXXX C A | Closed | FCRE1510 | 2026-02-17 10:51 | 2026-02-20 15:29 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Mortgage Document (Deed of Trust) | Resolved-There are no issues present on the Mortgage Document (Deed of Trust). - Due Diligence Vendor-02/20/2026 <br>Ready for Review-Document Uploaded. - Seller-02/19/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. Legal Description attached to DOT is not the correct property. - Due Diligence Vendor-02/17/2026 | Ready for Review-Document Uploaded. - Seller-02/19/2026<br>| Resolved-There are no issues present on the Mortgage Document (Deed of Trust). - Due Diligence Vendor-02/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 739 Required is 700 Borrower has 739<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 74.03 Required is 80 Borrower has 74.03 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7654536 |
| XXXX | 84627454 | XXXX C B A | Closed | finding-3652 | 2026-02-09 10:10 | 2026-02-25 08:08 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved------Received COC XXXX. Finding resolved. - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Document Uploaded. - Seller-02/23/2026 <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 (XXXX) does not exceed or equal the comparable sum of specific and non-specific lender credits (XXXX. 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 XXXX to XXXX without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of $3,300, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is XXXX.<br> - Due Diligence Vendor-02/09/2026 | Ready for Review-Document Uploaded. - Seller-02/23/2026<br>| Resolved------Received COC XXXX. Finding resolved. - Due Diligence Vendor-02/25/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 762<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.28<br>CLTV is less than guidelines maximum - Required is 75 Borrower has 44.39 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7515550 |
| XXXX | 84627454 | XXXX C B A | Closed | FVAL2477 | 2026-02-13 10:46 | 2026-02-24 17:07 | Resolved | 1 - Information C A | Property | Appraisal | Appraisal incomplete (missing map, layout, pages, etc.) | Resolved-Received complete appraisal. - Due Diligence Vendor-02/24/2026 <br>Ready for Review-Document Uploaded. - Seller-02/23/2026 <br>Open-Appraisal document cut off on the bottom. Lender to provide an apprasial with all pages not cut off. - Due Diligence Vendor-02/13/2026 | Ready for Review-Document Uploaded. - Seller-02/23/2026<br>| Resolved-Received complete appraisal. - Due Diligence Vendor-02/24/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 762<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.28<br>CLTV is less than guidelines maximum - Required is 75 Borrower has 44.39 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7609145 |
| XXXX | 84627454 | XXXX C B A | Closed | FCOM5135 | 2026-02-09 08:51 | 2026-02-09 08:51 | 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-02/09/2026 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material Findings.<br> - Due Diligence Vendor-02/09/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 762<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.28<br>CLTV is less than guidelines maximum - Required is 75 Borrower has 44.39 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 7513946 |
| XXXX | 83909961 | XXXX D B A | Closed | FCRE5782 | 2026-02-26 16:57 | 2026-03-02 11:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM for Borrower 1 - Due Diligence Vendor-03/02/2026 <br>Ready for Review-Document Uploaded. - Seller-02/27/2026 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-02/26/2026 | Ready for Review-Document Uploaded. - Seller-02/27/2026<br>| Resolved-Received UDM for Borrower 1 - Due Diligence Vendor-03/02/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.71<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 722 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7832123 |
| XXXX | 83909961 | XXXX D B A | Closed | FCRE5783 | 2026-02-26 16:57 | 2026-03-02 11:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received UDM for Borrower 2 - Due Diligence Vendor-03/02/2026 <br>Ready for Review-Document Uploaded. - Seller-02/27/2026 <br>Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-02/26/2026 | Ready for Review-Document Uploaded. - Seller-02/27/2026<br>| Resolved-Received UDM for Borrower 2 - Due Diligence Vendor-03/02/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.71<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 722 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7832124 |
| XXXX | 83909961 | XXXX D B A | Closed | FCRE1254 | 2026-02-26 17:21 | 2026-02-26 17:24 | Waived | 2 - Non-Material C B | Credit | Title | Property Title Issue | Waived-Guidelines state for refinance transactions, the borrower's name shown on the URLA must match the title vesting. B1 is not vested on title. Approved exception in file; B1 income being used to qualify. Note: B1 is not on title. B1 is B2's partner and currently reside together. Non-material based on comp factors. - Due Diligence Vendor-02/26/2026 <br>Open-Property Title Issue Guidelines state for refinance transactions, the borrower's name shown on the URLA must match the title vesting. B1 is not vested on title. Approved exception in file; B1 income being used to qualify. Note: B1 is not on title. B1 is B2's partner and currently reside together. Non-material based on comp factors. - Due Diligence Vendor-02/26/2026 |  | Waived-Guidelines state for refinance transactions, the borrower's name shown on the URLA must match the title vesting. B1 is not vested on title. Approved exception in file; B1 income being used to qualify. Note: B1 is not on title. B1 is B2's partner and currently reside together. Non-material based on comp factors. - Due Diligence Vendor-02/26/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.71<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 722 | \*Housing payment history is 0x30x24 or better<br> \*Borrower has worked in same job more than 3 years<br> \*Borrower has worked in the same industry more than 5 years<br> \*Borrower has real estate investment experience as a seasoned investor with more than 2 prior investments displaying at least 0x30x12 pay history<br> \*Excellent mtg history from 2014<br> \*Excellent credit history from 02/2010<br> \*B1 and B2 have worked for XXXX as XXXX since XXXX |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 7832717 |
| XXXX | 87621953 | XXXX C A | Closed | finding-47 | 2026-03-02 09:07 | 2026-03-04 09:54 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Received PCCD XXXX, disbursement date XXXX. Finding resolved. - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Document Uploaded. Please see uploaded PCCD - This should clear condition. - 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 - Due Diligence Vendor-03/02/2026 | Ready for Review-Document Uploaded. Please see uploaded PCCD - This should clear condition. - Seller-03/03/2026<br>| Resolved-Received PCCD XXXX, disbursement date XXXX. Finding resolved. - Due Diligence Vendor-03/04/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 740<br>CLTV is less than guidelines maximum - Required is 90 Borrower has 69.43 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7869995 |
| XXXX | 80013901 | XXXX C A | Closed | FCRE1509 | 2025-12-30 08:23 | 2025-12-30 08:26 | Resolved | 1 - Information C A | Credit | Closing | Issues exist on the Note Document | Resolved-Received Prepayment Addendum to note - Due Diligence Vendor-12/30/2025 <br>Ready for Review-Document Uploaded. - Due Diligence Vendor-12/30/2025 <br>Open-The Note is Incomplete Missing the prepayment penalty addendum to the note.<br> - Due Diligence Vendor-12/30/2025 |  | Resolved-Received Prepayment Addendum to note - Due Diligence Vendor-12/30/2025<br>| CLTV is less than guidelines maximum - LTV of 62.98% is below the maximum of 80% allowed per guidelines Required is 80 Borrower has 62.98<br>Qualifying FICO score is at least 20 points above minimum for program - Credit report reflects FICO of 729 which exceeds the minimum of 680 Required is 680 Borrower has 729 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6849434 |
| XXXX | 81051363 | XXXX D A | Closed | FCRE1363 | 2026-02-19 15:22 | 2026-02-26 17:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 WVOE Missing | Resolved-Received Year End Paystubs. - Due Diligence Vendor-02/26/2026 <br> Counter-Received paystubs. Please provide WVOE to document overtime and the probability of it continuing. Unable to determine from paystubs alone. - Due Diligence Vendor-02/26/2026 <br> Ready for Review-Document Uploaded. Year End paystubs (XXXX) attached for B2. This should be sufficient to waive WVOE for B2. - Seller-02/24/2026 <br> Open-Borrower 2 WVOE Missing Missing WVOE for breakdown of prior two year OT, unable to determine breakdown from W2 and pay stubs alone. - Due Diligence Vendor-02/19/2026 | Ready for Review-Document Uploaded. Year End paystubs (XXXX) attached for B2. This should be sufficient to waive WVOE for B2. - Seller-02/24/2026 | Resolved-Received Year End Paystubs. - Due Diligence Vendor-02/26/2026<br>| On time mortgage history exceeds guideline requirement - 0x30 for 6+ years<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7706371 |
| XXXX | 81051363 | XXXX D A | Closed | FCRE1333 | 2026-02-19 15:22 | 2026-02-26 17:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 WVOE Missing | Resolved-Received Year End Paystubs. - Due Diligence Vendor-02/26/2026 <br> Counter-Received paystubs. Please provide WVOE to document overtime and the probability of it continuing. Unable to determine from paystubs alone. - Due Diligence Vendor-02/26/2026 <br> Ready for Review-Document Uploaded. Year End paystubs (XXXX) attached for B1. This should be sufficient to waive WVOE for B1. - Seller-02/24/2026 <br> Open-Borrower 1 WVOE Missing WVOE Missing to accurately determine OT income. W2s alone are not adequate as the borrowers both receive more types of pay than just wages and OT. - Due Diligence Vendor-02/19/2026 | Ready for Review-Document Uploaded. Year End paystubs (XXXX) attached for B1. This should be sufficient to waive WVOE for B1. - Seller-02/24/2026 | Resolved-Received Year End Paystubs. - Due Diligence Vendor-02/26/2026<br>| On time mortgage history exceeds guideline requirement - 0x30 for 6+ years<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7706368 |
| XXXX | 81051363 | XXXX D A | Closed | FCRE1316 | 2026-02-19 15:22 | 2026-02-26 17:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Received Paystub in lieu of the VVOE. - Due Diligence Vendor-02/26/2026 <br>Counter-Received incomplete verification of employment. Guideline 8.4.1 - A verbal VOE from each employer within 10-days of the note date for wage and salaried employees. - Due Diligence Vendor-02/26/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-02/24/2026 <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing Closing VVOE missing - Due Diligence Vendor-02/19/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-02/24/2026<br>| Resolved-Received Paystub in lieu of the VVOE. - Due Diligence Vendor-02/26/2026<br>| On time mortgage history exceeds guideline requirement - 0x30 for 6+ years<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7706366 |
| XXXX | 81051363 | XXXX D A | Closed | FCRE1347 | 2026-02-19 15:22 | 2026-02-26 17:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Received Paystub in lieu of the VVOE. - Due Diligence Vendor-02/26/2026 <br>Counter-Received incomplete verification of employment. Guideline 8.5.3-A verbal VOE from each employer within 10-days of the note date for wage and <br> salaried employees. - Due Diligence Vendor-02/26/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-02/24/2026 <br>Open-Borrower 2 3rd Party VOE Prior to Close Missing Closing VVOE missing - Due Diligence Vendor-02/19/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-02/24/2026<br>| Resolved-Received Paystub in lieu of the VVOE. - Due Diligence Vendor-02/26/2026<br>| On time mortgage history exceeds guideline requirement - 0x30 for 6+ years<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7706369 |
| XXXX | 81051363 | XXXX D A | Closed | FCRE7806 | 2026-02-19 15:22 | 2026-02-26 17:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Bank Statement Summary/Lender Worksheet is Missing | Resolved-Received Borrower 1 income worksheet. - Due Diligence Vendor-02/26/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-02/24/2026 <br>Open-The Borrower 1 Bank Statement Summary/Lender Worksheet is Missing Borrower 1 income worksheet is missing. Unable to determine how they arrived at the income used. - Due Diligence Vendor-02/19/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-02/24/2026<br>| Resolved-Received Borrower 1 income worksheet. - Due Diligence Vendor-02/26/2026<br>| On time mortgage history exceeds guideline requirement - 0x30 for 6+ years<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7706374 |
| XXXX | 81051363 | XXXX D A | Closed | FCRE1510 | 2026-02-19 14:09 | 2026-02-26 08:19 | 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-02/26/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-02/24/2026 <br>Open-There are Issues Present on the Mortgage Document (Deed of Trust) that must be addressed. -----Legal Description page is blank. - Due Diligence Vendor-02/19/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-02/24/2026<br>| Resolved-Received Deed of Trust with Legal Description. - Due Diligence Vendor-02/26/2026<br>| On time mortgage history exceeds guideline requirement - 0x30 for 6+ years<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 700 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7704443 |
| XXXX | 86136384 | XXXX C B A | Closed | FCRE1492 | 2025-12-19 17:08 | 2026-01-08 16:54 | Resolved | 1 - Information C A | Credit | Assets | Cash Out Does Not Meet Guideline Requirements | Resolved-correct PCCD received - Due Diligence Vendor-01/08/2026 <br>Ready for Review-Document Uploaded. apologies. correct PCCD attached - Seller-01/05/2026 <br>Counter-Received PCCD. Cash to borrower is still more than loan amount. Finding remains. - Due Diligence Vendor-01/02/2026 <br>Ready for Review-Document Uploaded. please see pccd attached - Seller-12/31/2025 <br>Open-Cash Out Does Not Meet Guideline Requirements The PCCD reflects the borrowers received $11.60 more than the loan amount plus the POC items. Lender needs to reduce the amount by this amount. - Due Diligence Vendor-12/19/2025 | Ready for Review-Document Uploaded. apologies. correct PCCD attached - Seller-01/05/2026 <br>Ready for Review-Document Uploaded. please see pccd attached - Seller-12/31/2025<br>| Resolved-correct PCCD received - Due Diligence Vendor-01/08/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 769<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 24.26<br>CLTV is less than guidelines maximum - Required is 75 Borrower has 68.37 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6715889 |
| XXXX | 86136384 | XXXX C B A | Closed | FCRE5790 | 2025-12-03 14:38 | 2025-12-18 16:21 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Received UDN - Due Diligence Vendor-12/18/2025 <br> Ready for Review-Document Uploaded. new attached - Seller-12/16/2025 <br> Counter-Received UDM dated XXXX, 12 days from Settlement Date . - Due Diligence Vendor-12/10/2025 <br> Ready for Review-Document Uploaded. attached > scroll to bottom for "ran" date which is end of report date - Seller-12/09/2025 <br> Open-Borrower 1 Gap Credit Report is Expired (Greater than 10 days from Closing/Settlement Date). - Due Diligence Vendor-12/04/2025 | Ready for Review-Document Uploaded. new attached - Seller-12/16/2025 <br>Ready for Review-Document Uploaded. attached > scroll to bottom for "ran" date which is end of report date - Seller-12/09/2025<br>| Resolved-Received UDN - Due Diligence Vendor-12/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 769<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 24.26<br>CLTV is less than guidelines maximum - Required is 75 Borrower has 68.37 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6471278 |
| XXXX | 86136384 | XXXX C B A | Closed | finding-3635 | 2025-12-02 15:07 | 2025-12-10 07:18 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved------Received PCCD XXXX Finding resolved. - Due Diligence Vendor-12/10/2025 <br> Ready for Review-Document Uploaded. - Seller-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% (XXXX) exceed the comparable charges (XXXX) 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 XXXX 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 XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - Three Years; Expiration Date: XXXX. - Due Diligence Vendor-12/02/2025 | Ready for Review-Document Uploaded. - Seller-12/09/2025<br>| Resolved------Received PCCD XXXX Finding resolved. - Due Diligence Vendor-12/10/2025 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 769<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 24.26<br>CLTV is less than guidelines maximum - Required is 75 Borrower has 68.37 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6453594 |
| XXXX | 86136384 | XXXX C B A | Closed | FCOM1353 | 2025-12-03 07:21 | 2025-12-03 07:21 | 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'). -----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-12/03/2025 |  | Waived-The Incorrect ROR Form Type is selected in light of the Same Creditor or Lender Affiliate Refinance (The Right to Cancel Form Model is 'H8 (New Creditor)' and the Same Creditor or Lender Affiliate Refinance selection is 'Yes'). -----ROR Form H8 is acceptable in place of H9 form. Finding is deemed non-material. Originator waiver applied to non-material findings. - Due Diligence Vendor-12/03/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 769<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 24.26<br>CLTV is less than guidelines maximum - Required is 75 Borrower has 68.37 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 6460781 |
| XXXX | 88555279 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 85911887 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 87579069 | XXXX C B A | Closed | FCRE0157 | 2026-02-20 14:14 | 2026-03-23 13:21 | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not meet guideline requirements for loans listed for sale | Waived-Originator provided a waiver for subject listed on MLS within 6 months, applied to non material finding with comp factors - Due Diligence Vendor-03/23/2026 <br> Ready for Review-Document Uploaded. Please see attached. - Seller-03/23/2026 <br> Counter-Received client exception approval. Missing originators exception request. - Due Diligence Vendor-03/23/2026 <br> Ready for Review-Document Uploaded. Kindly see the attached email trail. As confirmed by XXXX, this would be eligible for purchase consideration with XXXX. Thank you. - Seller-03/20/2026 <br> Counter-Received LOE regarding subject listing. Properties that have been on the market within six months of the note date are ineligible - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Document Uploaded. Kindly see attached. - Seller-03/03/2026 <br> Counter-Per the appraiser, subject lates listing is XXXX. 2.7 of the guidelines state Properties that have been on the market within six months of the note date are ineligible - Due Diligence Vendor-02/26/2026 <br> Ready for Review-File was submitted XXXX. Per XXXX, subject was listed for sale 01/2025 and there was a price change inXXXX. It's been more than 6months since subject was listed for sale. Kindly waive the condition. - Seller-02/24/2026 <br> Open-Loan does not meet guideline requirements for loans listed for sale. Missing a signed statement from the borrowers indicating their intent to retain the property, subject was listed for sale within past 6 months. - Due Diligence Vendor-02/20/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/23/2026 <br> Ready for Review-Document Uploaded. Kindly see the attached email trail. As confirmed by XXXX, this would be eligible for purchase consideration with XXXX. Thank you. - Seller-03/20/2026 <br> Ready for Review-Document Uploaded. Kindly see attached. - Seller-03/03/2026 <br> Ready for Review-File was submitted 01/2026. Per XXXX, subject was listed for sale XXXX and there was a price change in XXXX. It's been more than 6months since subject was listed for sale. Kindly waive the condition. - Seller-02/24/2026 | Waived-Originator provided a waiver for subject listed on MLS within 6 months, applied to non material finding with comp factors - Due Diligence Vendor-03/23/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 22.17<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 774<br>CLTV is less than guidelines maximum - Required is 75 Borrower has 58.15 | FICO: 774<br> Residence: Property owned over 5 years | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 7727547 |
| XXXX | 87579069 | XXXX C B A | Closed | FPRO1257 | 2026-02-20 13:39 | 2026-02-26 16:31 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-This is a second lien underwritten to XXXX guides. A secondary valuation is not required. - Due Diligence Vendor-02/26/2026 <br> Counter-For securitization, a secondary review product is required. - Due Diligence Vendor-02/26/2026 <br> Ready for Review-Desk review is not required for Second lien when full appraisal is ordered. Please waive the condition. - Seller-02/24/2026 <br> Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. Need additional verification of value as documentation in file does not support subject value of property. (SSR scores are not acceptable). - Due Diligence Vendor-02/20/2026 | Ready for Review-Desk review is not required for Second lien when full appraisal is ordered. Please waive the condition. - Seller-02/24/2026<br>| Resolved-This is a second lien underwritten to XXXX guides. A secondary valuation is not required. - Due Diligence Vendor-02/26/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 22.17<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 774<br>CLTV is less than guidelines maximum - Required is 75 Borrower has 58.15 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7726740 |
| XXXX | 87579069 | XXXX C B A | Closed | FCOM5135 | 2026-02-19 09:03 | 2026-02-19 09:31 | 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-02/19/2026 |  | Waived-Required Affiliated Business Disclosure Missing Originator waiver applied to non-material findings - Due Diligence Vendor-02/19/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 22.17<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 774<br>CLTV is less than guidelines maximum - Required is 75 Borrower has 58.15 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 7695681 |
| XXXX | 82165009 | XXXX B A | Closed | FCOM1353 | 2026-03-06 14:34 | 2026-03-11 16:07 | 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. - Due Diligence Vendor-03/06/2026 |  | 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. - Due Diligence Vendor-03/06/2026<br>| 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 37.41 |  |  | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 7977614 |
| XXXX | 80314630 | XXXX C A | Closed | FPRO1257 | 2026-02-27 10:56 | 2026-03-10 12:39 | Resolved | 1 - Information C A | Property | Value | Primary Property Value is not Substantiated | Resolved-Received Desk Review. Value is supported. - Due Diligence Vendor-03/10/2026 <br>Ready for Review-Document Uploaded. Kindly see the attached Desk Review. Thank you. - Seller-03/06/2026 <br>Counter-Received Fraud Report. Please provide secondary valuation, if using AVM confidence score to meet 90% - Due Diligence Vendor-03/04/2026 <br>Ready for Review-Document Uploaded. See the attached – AVM section starts on page 11 of the attached.<br>- Seller-03/03/2026 <br>Open-The Primary Property Value is unsubstantiated. Additional valuation product is required. However, if both ratings are over 2.5 (FNMA/FHLMC), underwriter may require an AVM (Automated Valuation Model) at underwriter's own discretion. If the appraised value is not within the range of AVM, Desk Review may be ordered at underwriter's discretion. - Due Diligence Vendor-03/02/2026 | Ready for Review-Document Uploaded. Kindly see the attached Desk Review. Thank you. - Seller-03/06/2026 <br>Ready for Review-Document Uploaded. See the attached – AVM section starts on page 11 of the attached.<br>- Seller-03/03/2026<br>| Resolved-Received Desk Review. Value is supported. - Due Diligence Vendor-03/10/2026<br>| CLTV is less than guidelines maximum - Required is 80 Borrower has 66.82<br>DSCR =/> 1.00 and minimum is 0.85 or Less - Required is 0.75 Borrower has 1.077 Required is 0.75 Borrower has 1.077<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 770 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7845317 |
| XXXX | 82509642 | XXXX D B A | Closed | FCRE1347 | 2026-03-11 10:39 | 2026-03-16 15:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Received pre close VVOE for B2 - Due Diligence Vendor-03/16/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-03/12/2026 <br>Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-03/11/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/12/2026<br>| Resolved-Received pre close VVOE for B2 - Due Diligence Vendor-03/16/2026<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 50 Borrower has 32.33 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8046288 |
| XXXX | 82509642 | XXXX D B A | Closed | FCRE1364 | 2026-03-11 10:39 | 2026-03-16 15:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Executed 4506-T/4506-C is Missing | Resolved-Received 4506C for B2 - Due Diligence Vendor-03/16/2026 <br>Ready for Review-Document Uploaded. Kindly see attached. - Seller-03/12/2026 <br>Open-Borrower 2 Executed 4506-T/4506-C is Missing - Due Diligence Vendor-03/11/2026 | Ready for Review-Document Uploaded. Kindly see attached. - Seller-03/12/2026<br>| Resolved-Received 4506C for B2 - Due Diligence Vendor-03/16/2026<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 50 Borrower has 32.33 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8046289 |
| XXXX | 82509642 | XXXX D B A | Closed | FCOM0013 | 2026-03-10 14:06 | 2026-03-16 14:40 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Received eConsent. Finding resolved. - Due Diligence Vendor-03/13/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-03/12/2026 <br>Open-Missing e-Consent. -----E - Consent is in file (pg 374) but it is cut off and consent date is not available - Due Diligence Vendor-03/10/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-03/12/2026<br>| Resolved-Received eConsent. Finding resolved. - Due Diligence Vendor-03/13/2026<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 50 Borrower has 32.33 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8027228 |
| XXXX | 82509642 | XXXX D B A | Closed | FCOM5135 | 2026-03-11 07:31 | 2026-03-16 14:40 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required Affiliated Business Disclosure | Resolved-Received Affiliated Business Disclosure. Finding Resolved - Due Diligence Vendor-03/16/2026 <br>Ready for Review-Document Uploaded. Please see attached (yellow highlighted stmnts) which was part of the disclosure package to the borrower. - Seller-03/13/2026 <br>Counter-Please provide proof of ABA or FACTS showing no affiliations. Disclosure is required. Finding countered. - Due Diligence Vendor-03/13/2026 <br>Ready for Review-Lender, Mortgage Broker, and Escrow have no affiliated business arrangements between them. Therefore, no Affiliated Business Arrangement Disclosure was required to the borrower. Kindly waive the condition. - Seller-03/12/2026 <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-03/11/2026 | Ready for Review-Document Uploaded. Please see attached (yellow highlighted stmnts) which was part of the disclosure package to the borrower. - Seller-03/13/2026 <br>Ready for Review-Lender, Mortgage Broker, and Escrow have no affiliated business arrangements between them. Therefore, no Affiliated Business Arrangement Disclosure was required to the borrower. Kindly waive the condition. - Seller-03/12/2026<br>| Resolved-Received Affiliated Business Disclosure. Finding Resolved - Due Diligence Vendor-03/16/2026<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 50 Borrower has 32.33 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8040005 |
| XXXX | 82509642 | XXXX D B A | Closed | finding-3635 | 2026-03-10 14:06 | 2026-03-13 14:48 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Upon further review PCCD in file. - Due Diligence Vendor-04/03/2026 <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% (XXXX) exceed the comparable charges (XXXX) 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 XXXX 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 XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: XXXX. - Due Diligence Vendor-03/10/2026 |  | Resolved-Upon further review PCCD in file. - Due Diligence Vendor-04/03/2026<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 50 Borrower has 32.33 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8027237 |
| XXXX | 82509642 | XXXX D B A | Closed | finding-3352 | 2026-03-10 14:06 | 2026-03-13 10:58 | Waived | 2 - Non-Material B | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Waived-Subject loan is a 2nd lien, full appraisal meet HPML requirement and no escrow required. Originator waiver applied to non-material finding. - Due Diligence Vendor-04/03/2026 |  | Waived-Subject loan is a 2nd lien, full appraisal meet HPML requirement and no escrow required. Originator waiver applied to non-material finding. - Due Diligence Vendor-04/03/2026<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 50 Borrower has 32.33 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 8027238 |
| XXXX | 82509642 | XXXX D B A | Closed | finding-3343 | 2026-03-10 14:06 | 2026-03-12 11:59 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Required Escrow Account Test | Resolved-Upon further review, 2nd Lien - NO Escrows - Due Diligence Vendor-04/03/2026 <br> Open-This loan failed the higher-priced mortgage loan required escrow account test. (12 CFR §1026.35(b))This loan fails to collect reserves for either:The payment of homeowner's insurance and property taxes for properties that are not a condominium, high rise condominium, or planned unit development, orThe loan contains a custom fee with an associated attribute of "escrow or reserves" but the fee does not have a dollar value listed; orThe payment of property taxes for condominium, or high rise condominium, or planned unit development.Except as provided in 1026.35(b)(2) regarding exemptions, a creditor may not extend a higher-priced mortgage loan secured by a first lien on a consumer's principal dwelling unless an escrow account is established before consummation for payment of property taxes and premiums for mortgage-related insurance required by the creditor, such as insurance against loss of or damage to property, or against liability arising out of the ownership or use of the property, or insurance protecting the creditor against the consumer's default or other credit loss.Insurance premiums described in above need not be included in escrow accounts for loans secured by dwellings in condominiums, planned unit developments, or other common interest communities in which dwelling ownership requires participation in a governing association, where the governing association has an obligation to the dwelling owners to maintain a master policy insuring all dwellings.PLEASE NOTE:(1)This test does not consider whether the creditor complies with 12 CFR §1026.35(b)(2)(iii) regarding properties that are located in counties designated as either "rural" or "underserved" by the Consumer Financial Protection Bureau.(2)This test does not account for instances when mortgage insurance reserves must be escrowed based on 12 CFR §1026.35. See Higher-Priced Mortgage Loan Alert (below) for full escrow requirements. Resolved - Due Diligence Vendor-03/10/2026 |  | Resolved-Upon further review, 2nd Lien - NO Escrows - Due Diligence Vendor-04/03/2026<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 50 Borrower has 32.33 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8027241 |
| XXXX | 85815234 | XXXX C A | Closed | FCRE1232 | 2026-03-04 11:11 | 2026-03-10 12:52 | Resolved | 1 - Information C A | Credit | Eligibility | Calculated DSCR does not meet the Minimum DSCR allowed | Resolved-Received Lease and loan file contains evidence of receipt. - Due Diligence Vendor-03/10/2026 <br> Ready for Review-Document Uploaded. please find lease attached - Seller-03/09/2026 <br> Open-The Calculated DSCR of '0.974' is less than the minimum DSCR per lender guidelines of '1'. Lender used actual rents however there is no lease in the file and the bank statements showing rent deposits from various parties (no lease to support either) do not support the XXXX/month - Due Diligence Vendor-03/04/2026 | Ready for Review-Document Uploaded. please find lease attached - Seller-03/09/2026<br>| Resolved-Received Lease and loan file contains evidence of receipt. - Due Diligence Vendor-03/10/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 773<br>CLTV is less than guidelines maximum - CLTV 62.70% max 80%. Required is 80 Borrower has 62.7 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7919998 |
| XXXX | 86860762 | XXXX D A C | Closed | FCOM1111 | 2025-09-17 16:28 | 2025-11-21 13:24 | Resolved | 1 - Information C A | Compliance | Points & Fees | Late Charge Grace Period is less than 10 days | Resolved-Rec'd Note with corrected late charges. Finding resolved. - Due Diligence Vendor-11/21/2025 <br>Ready for Review-Document Uploaded. Please see copy of the re-executed note with the corrected Late Charge payment. - Seller-11/21/2025 <br>Open-Late Charge Grace Period is less than 10 days Late charge is 5 days and 10% of the principal and Interest. - Due Diligence Vendor-09/18/2025 | Ready for Review-Document Uploaded. Please see copy of the re-executed note with the corrected Late Charge payment. - Seller-11/21/2025<br>| Resolved-Rec'd Note with corrected late charges. Finding resolved. - Due Diligence Vendor-11/21/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 720, Bwr FICO 760 <br>Months Reserves exceed minimum required - 49 mths reserves; 0 mths required. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5576586 |
| XXXX | 86860762 | XXXX D A C | Closed | FCRE6019 | 2025-09-18 13:41 | 2025-10-06 08:31 | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Borrower Citizenship Documentation Provided or Not Required - Due Diligence Vendor-10/06/2025 <br> Ready for Review-please escalate to supervisor, the previously attached items: is screenshot of XXXX guidelines and I-797 also provided... - Seller-09/24/2025 <br> Counter-Please provide a copy of the VISA - Due Diligence Vendor-09/24/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-09/22/2025 <br> Counter-Borrower states he is a Permanent Resident Alien. Missing Permanent resident card. - Due Diligence Vendor-09/22/2025 <br> Ready for Review-Document Uploaded. Lender notes all said documentation satisfies the XXXX guideline, Also please see attached - Seller-09/19/2025 <br> Open-Borrower Citizenship Documentation Is Missing Missing copy of permanent resident card form I-551. 1003 states borrower is a permanent resident. Clarification of citizenship may be needed since the I-571 pg 604 is expired and the I-797 form pg 597 shows borrower was a refugee in XXXX which indicates non-perm and would require a valid visa which was also not provided.. - Due Diligence Vendor-09/18/2025 | Ready for Review-please escalate to supervisor, the previously attached items: is screenshot of XXXX guidelines and I-797 also provided... - Seller-09/24/2025 <br> Ready for Review-Document Uploaded. Please see attached - Seller-09/22/2025 <br> Ready for Review-Document Uploaded. Lender notes all said documentation satisfies the XXXX guideline, Also please see attached - Seller-09/19/2025 | Resolved-Borrower Citizenship Documentation Provided or Not Required - Due Diligence Vendor-10/06/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 720, Bwr FICO 760 <br>Months Reserves exceed minimum required - 49 mths reserves; 0 mths required. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5589362 |
| XXXX | 86860762 | XXXX D A C | Closed | FCRE0113 | 2025-09-22 17:00 | 2025-10-01 08:42 | Resolved | 1 - Information C A | Credit | Eligibility | Property/Appraisal General (Credit) | Resolved-Client provided an appraisal witht e comment from the appraiser stating there are 2 units and the electric panels are for the ADU and the subject property with ALQ. - Due Diligence Vendor-10/01/2025 <br>Counter-Please have the Appraiser address why the subject is considered 2 units with a total of 3 electric meters. - Due Diligence Vendor-09/29/2025 <br>Ready for Review-Document Uploaded. please see attached - Seller-09/24/2025 <br>Counter-Document was not attached. - Due Diligence Vendor-09/24/2025 <br>Ready for Review-Appraiser has already addressed this, please see comments "A one story ADU and a two story ALQ were added to the subject property with permits. They were done in a conforming and<br> workmanlike manner. See attached copy of the permits." - Seller-09/22/2025 <br>Open-\*\*New Condition\*\*-Appraisal states the subject is a one unit with accessory unit(2 total units). Photos reflect 3 electrical meters for the subject property support the property has 3 units. Appraiser does not address why the subject is considered 2 units with a total of 3 electric meters. - Due Diligence Vendor-09/22/2025 | Ready for Review-Document Uploaded. please see attached - Seller-09/24/2025 <br>Ready for Review-Appraiser has already addressed this, please see comments "A one story ADU and a two story ALQ were added to the subject property with permits. They were done in a conforming and<br> workmanlike manner. See attached copy of the permits." - Seller-09/22/2025<br>| Resolved-Client provided an appraisal witht e comment from the appraiser stating there are 2 units and the electric panels are for the ADU and the subject property with ALQ. - Due Diligence Vendor-10/01/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 720, Bwr FICO 760 <br>Months Reserves exceed minimum required - 49 mths reserves; 0 mths required. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5626261 |
| XXXX | 86860762 | XXXX D A C | Closed | FPRO1242 | 2025-09-18 11:49 | 2025-09-22 15:26 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-09/22/2025 <br>Ready for Review-Document Uploaded. Please see attached - Seller-09/19/2025 <br>Open-Appraisal is Missing Missing Appraisal - must coincide with the provided desk review. - Due Diligence Vendor-09/18/2025 | Ready for Review-Document Uploaded. Please see attached - Seller-09/19/2025<br>| Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-09/22/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 720, Bwr FICO 760 <br>Months Reserves exceed minimum required - 49 mths reserves; 0 mths required. |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5587093 |
| XXXX | 86860762 | XXXX D A C | Closed | finding-3634 | 2025-09-17 18:13 | 2025-09-18 13:51 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-PCCD resolved tolerance - Due Diligence Vendor-09/18/2025 <br>Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $.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-09/17/2025 |  | Resolved-PCCD resolved tolerance - Due Diligence Vendor-09/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 720, Bwr FICO 760 <br>Months Reserves exceed minimum required - 49 mths reserves; 0 mths required. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5578295 |
| XXXX | 86860762 | XXXX D A C | Closed | finding-3635 | 2025-09-17 18:13 | 2025-09-18 13:51 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved-PCCD resolved tolerance - Due Diligence Vendor-09/18/2025 <br> Open-This loan failed the charges that in total cannot increase more than 10% test. (12 CFR §1026.19(e)(3)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §1026.19(e)(3)(ii). The final charges that in total cannot increase more than 10% ($475.00) exceed the comparable charges ($431.00) 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-09/17/2025 |  | Resolved-PCCD resolved tolerance - Due Diligence Vendor-09/18/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Min FICO 720, Bwr FICO 760 <br>Months Reserves exceed minimum required - 49 mths reserves; 0 mths required. |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 5578297 |
| XXXX | 89491230 | XXXX D A | Closed | FCRE7009 | 2026-01-05 10:52 | 2026-01-26 09:49 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Subject is a 2 unit property, received the hazard policy for both units. - Due Diligence Vendor-01/26/2026 <br> Ready for Review-There are 2 policies. You are looking at just 1 of the 2 policies that were provided. There are 2 policies that have been submitted since day one. One policy has a dwelling coverage of XXXX and the other XXXX. Both policies have and "important Information" section which was previously mentioned below. It states, "The limit of liability for this structure (Coverage A) is based on an estimate of the cost to rebuild your home, including an approximate cost for labor and materials in your area, and specific information that you have provided about your home." is included in the policy. This section states, "estimated of the cost to rebuild". Please waive - Seller-01/22/2026 <br> Counter-Coverage amount of XXXX does not appear to be reasonable as the appraiser states the estimate cost new is XXXX. Finding remains. - Due Diligence Vendor-01/12/2026 <br> Ready for Review-No RCE was provided by the insurance company and therefore, the verbiage "The limit of liability for this structure (Coverage A) is based on an estimate of the cost to rebuild your home, including an approximate cost for labor and materials in your area, and specific information that you have provided about your home." is included in the policy. This section states, "estimated of the cost to rebuild". Please waive. - Seller-01/09/2026 <br> Counter-Received HOI policy. Replacement coverage is not noted. Extended replacement cost but no figures or percentage provided. Coverage for both policies reflects XXXX Provide RCE or confirmation from insurer or replacement cost. - Due Diligence Vendor-01/08/2026 <br> Ready for Review-Document Uploaded. On page 2 of the insurance under "important information", there is a verbiage regarding the cost to rebuild. Please refer to the comment.....<br> The limit of liability for this structure (Coverage A) is based on an estimate of the cost to rebuild your<br> home, including an approximate cost for labor and materials in your area, and specific information that<br> you have provided about your home. - Seller-01/06/2026 <br> Open-Insufficient Coverage Amount for Insured Subject Property. Hazard reflects coverage of XXXX; however, the subject loan and first lien amounts of $XXXX should be covered. - Due Diligence Vendor-01/05/2026 | Ready for Review-There are 2 policies. You are looking at just 1 of the 2 policies that were provided. There are 2 policies that have been submitted since day one. One policy has a dwelling coverage of XXXX and the other XXXX. Both policies have and "important Information" section which was previously mentioned below. It states, "The limit of liability for this structure (Coverage A) is based on an estimate of the cost to rebuild your home, including an approximate cost for labor and materials in your area, and specific information that you have provided about your home." is included in the policy. This section states, "estimated of the cost to rebuild". Please waive - Seller-01/22/2026 <br> Ready for Review-No RCE was provided by the insurance company and therefore, the verbiage "The limit of liability for this structure (Coverage A) is based on an estimate of the cost to rebuild your home, including an approximate cost for labor and materials in your area, and specific information that you have provided about your home." is included in the policy. This section states, "estimated of the cost to rebuild". Please waive. - Seller-01/09/2026 <br> Ready for Review-Document Uploaded. On page 2 of the insurance under "important information", there is a verbiage regarding the cost to rebuild. Please refer to the comment.....<br> The limit of liability for this structure (Coverage A) is based on an estimate of the cost to rebuild your<br> home, including an approximate cost for labor and materials in your area, and specific information that<br> you have provided about your home. - Seller-01/06/2026 | Resolved-Subject is a 2 unit property, received the hazard policy for both units. - Due Diligence Vendor-01/26/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.21<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 699 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6914552 |
| XXXX | 89491230 | XXXX D A | Closed | FCRE3653 | 2026-01-05 12:49 | 2026-01-26 09:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Subject is a 2 unit property, received the hazard insurance for both units. - Due Diligence Vendor-01/26/2026 <br> Ready for Review-The borrower occupies his entire property. We cannot dictate which address he uses. The property you are questioning is part of his primary residence. This is not another property he owns. A picture of the property was provided. The subject property and his primary residence is next door to each other. You are questioning the address to make sure he does not have an undisclosed property. All evidence shows that there is not other property in between these 2 properties he owns. The bottom line is making sure there is no other property which was sufficiently evidenced. - Seller-01/22/2026 <br> Counter-Documentation provided does not support the reason the HOI mailing address is not the same as the borrowers primary residence. - Due Diligence Vendor-01/12/2026 <br> Ready for Review-I have provided a picture of the property as these were added to his current multifamily property. The property profile does not provide full addresses. Please waive. - Seller-01/09/2026 <br> Counter-Mailing address reflects as XXXX. Please provide clarification. - Due Diligence Vendor-01/08/2026 <br> Ready for Review-The property the borrower resides in is a multifamily residence owned by the borrower. The mailing address on the insurance is a unit within the property he owns and occupies. Please waive. - Seller-01/06/2026 <br> Open-The subject hazard insurance policy reflects the borrower's mailing address is not his primary residence and a LOE was not provided. - Due Diligence Vendor-01/05/2026 | Ready for Review-The borrower occupies his entire property. We cannot dictate which address he uses. The property you are questioning is part of his primary residence. This is not another property he owns. A picture of the property was provided. The subject property and his primary residence is next door to each other. You are questioning the address to make sure he does not have an undisclosed property. All evidence shows that there is not other property in between these 2 properties he owns. The bottom line is making sure there is no other property which was sufficiently evidenced. - Seller-01/22/2026 <br>Ready for Review-I have provided a picture of the property as these were added to his current multifamily property. The property profile does not provide full addresses. Please waive. - Seller-01/09/2026 <br>Ready for Review-The property the borrower resides in is a multifamily residence owned by the borrower. The mailing address on the insurance is a unit within the property he owns and occupies. Please waive. - Seller-01/06/2026<br>| Resolved-Subject is a 2 unit property, received the hazard insurance for both units. - Due Diligence Vendor-01/26/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.21<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 699 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6917849 |
| XXXX | 89491230 | XXXX D A | Closed | FCRE7497 | 2026-01-05 12:51 | 2026-01-12 15:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Primary residence is a XXXX. - Due Diligence Vendor-01/12/2026 <br> Ready for Review-The borrower owns this property as it is an addition to his current home. I have provided a photo of the property to show addresses of the property including the addition. Please waive. - Seller-01/09/2026 <br> Counter-Received primary property profile. Mailing address on HOI is XXXX. Confirm no ownership. - Due Diligence Vendor-01/08/2026 <br> Ready for Review-Document Uploaded. - Seller-01/06/2026 <br> Open-The subject hazard insurance policy reflects the borrower's mailing address is not his primary residence and this property is not reflected on the loan application. Verification that the borrower does not own this property is required. Additional findings may apply. - Due Diligence Vendor-01/05/2026 | Ready for Review-The borrower owns this property as it is an addition to his current home. I have provided a photo of the property to show addresses of the property including the addition. Please waive. - Seller-01/09/2026 <br>Ready for Review-Document Uploaded. - Seller-01/06/2026<br>| Resolved-Primary residence is a XXXX. - Due Diligence Vendor-01/12/2026 | Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.21<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 699 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6917873 |
| XXXX | 89491230 | XXXX D A | Closed | FCRE1326 | 2026-01-05 12:00 | 2026-01-08 16:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 YTD Profit & Loss Missing | Resolved-Received signed and dated YTD p&L - Due Diligence Vendor-01/08/2026 <br>Ready for Review-Document Uploaded. Completed by CPA. CPA license number is listed next to the name and signature of the CPA. - Seller-01/06/2026 <br>Open-Borrower 1 YTD Profit & Loss Missing Unable to determine if P&L statement was completed by the borrower or third party. - Due Diligence Vendor-01/05/2026 | Ready for Review-Document Uploaded. Completed by CPA. CPA license number is listed next to the name and signature of the CPA. - Seller-01/06/2026<br>| Resolved-Received signed and dated YTD p&L - Due Diligence Vendor-01/08/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.21<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 699 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6916757 |
| XXXX | 89491230 | XXXX D A | Closed | FCRE1158 | 2026-01-05 10:52 | 2026-01-08 16:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Received both HOI policies. - Due Diligence Vendor-01/08/2026 <br>Ready for Review-Document Uploaded. I have included both HOI for review. - Seller-01/06/2026 <br>Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided The hazard insurance in file is only for the second unit. DTI is based on the second unit only and will require to be updated when additional policy is provided. Additional findings may apply. - Due Diligence Vendor-01/05/2026 | Ready for Review-Document Uploaded. I have included both HOI for review. - Seller-01/06/2026<br>| Resolved-Received both HOI policies. - Due Diligence Vendor-01/08/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.21<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 699 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6914553 |
| XXXX | 85237538 | XXXX D A | Closed | FCRE7497 | 2026-02-26 14:05 | 2026-03-03 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 HOA verification. - Due Diligence Vendor-03/03/2026 <br>Ready for Review-Document Uploaded. No HOA per the property profile. Home is listed as SFR. LOE obtained from borrower as well re HOA dues for both properties, please clear condition. thank you - Seller-02/28/2026 <br>Open-Income and Employment Do Not Meet Guidelines Loan file is absent verification of HOA for property 3b - Due Diligence Vendor-02/26/2026 | Ready for Review-Document Uploaded. No HOA per the property profile. Home is listed as SFR. LOE obtained from borrower as well re HOA dues for both properties, please clear condition. thank you - Seller-02/28/2026<br>| Resolved-Received HOA verification. - Due Diligence Vendor-03/03/2026<br>| CLTV is less than guidelines maximum - Required is 85 Borrower has 32.12<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 766 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7828166 |
| XXXX | 82482204 | XXXX C A | Closed | finding-47 | 2026-01-02 12:20 | 2026-01-09 10:03 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved------Received PCCD dated XXXX. Finding Resolved. - Due Diligence Vendor-01/09/2026 <br> Ready for Review-Document Uploaded. - Seller-01/08/2026 <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-01/02/2026 | Ready for Review-Document Uploaded. - Seller-01/08/2026<br>| Resolved------Received PCCD dated XXXX. Finding Resolved. - Due Diligence Vendor-01/09/2026 | Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660, Bwr FICO 777 Required is 660 Borrower has 777<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.65 Required is 50 Borrower has 37.65 |  | XXXX | QM: Safe Harbor Verified (V SH) | QM: Safe Harbor Verified (V SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6897213 |
| XXXX | 81312513 | XXXX D A | Closed | FCRE1506 | 2026-01-07 16:05 | 2026-03-23 17:06 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received missing income documents. - Due Diligence Vendor-01/14/2026 <br>Ready for Review-Document Uploaded. - Seller-01/12/2026 <br>Counter-Pending proof of receipt of Va Benefits. - Due Diligence Vendor-01/12/2026 <br>Ready for Review-Document Uploaded. - Seller-01/08/2026 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing verification of the borrower's VA benefits used for qualification. - Due Diligence Vendor-01/07/2026 | Ready for Review-Document Uploaded. - Seller-01/12/2026 <br>Ready for Review-Document Uploaded. - Seller-01/08/2026<br>| Resolved-Received missing income documents. - Due Diligence Vendor-01/14/2026<br>|  |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6968478 |
| XXXX | 81312513 | XXXX D A | Closed | FCRE5782 | 2026-01-07 16:00 | 2026-01-20 09:38 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap report and LOX for notifications after initial credit report date. - Due Diligence Vendor-01/20/2026 <br>Ready for Review-Document Uploaded. the LOE that was provided did explain the addtl inquiry after initial credit report and it also explain it was b/c of the late payment on the credit card - Seller-01/15/2026 <br>Counter-LOE for late payments provided, please provide and LOE for the Inquiries reporting on the UDN - Due Diligence Vendor-01/14/2026 <br>Ready for Review-Document Uploaded. - Seller-01/13/2026 <br>Ready for Review-Document Uploaded. - Seller-01/12/2026 <br>Counter-Received Undisclosed Debt Verification. Missing LOX for new inquiries reflected after initial credit report. - Due Diligence Vendor-01/12/2026 <br>Ready for Review-Document Uploaded. - Seller-01/08/2026 <br>Open-Borrower 1 Gap Credit Report is Missing Guidelines state that if Note date is greater than 30 days after the date of the credit report relied upon for underwriting, a gap report is required. The credit report is dated 31 days prior to the Note date. - Due Diligence Vendor-01/07/2026 | Ready for Review-Document Uploaded. the LOE that was provided did explain the addtl inquiry after initial credit report and it also explain it was b/c of the late payment on the credit card - Seller-01/15/2026 <br>Ready for Review-Document Uploaded. - Seller-01/13/2026 <br>Ready for Review-Document Uploaded. - Seller-01/12/2026 <br>Ready for Review-Document Uploaded. - Seller-01/08/2026<br>| Resolved-Received Gap report and LOX for notifications after initial credit report date. - Due Diligence Vendor-01/20/2026<br>|  |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6968400 |
| XXXX | 81312513 | XXXX D A | Closed | FCRE1293 | 2026-01-07 12:59 | 2026-01-14 17:05 | Resolved | 1 - Information C A | Credit | Income/Employment | Income 2 Months Income Verified is Missing | Resolved-Received Verification of VA benefits. - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Document Uploaded. Please see COE and XXXX attached to clear the conditions. - Seller-01/12/2026 <br> Counter-Received Va Benefit Letter. Missing proof of receipt. Guideline indicate follow FNMA. - Due Diligence Vendor-01/12/2026 <br> Ready for Review-Document Uploaded. - Seller-01/08/2026 <br> Open-Income 2 Months Income Verified is Missing Borrower was qualified with XXXX of XXXX; however, the documentation was not provided. - Due Diligence Vendor-01/07/2026 | Ready for Review-Document Uploaded. Please see COE and VA benefits attached to clear the conditions. - Seller-01/12/2026 <br>Ready for Review-Document Uploaded. - Seller-01/08/2026<br>| Resolved-Received Verification of VA benefits. - Due Diligence Vendor-01/14/2026<br>|  |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6964635 |
| XXXX | 85339463 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 89511803 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 81212824 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 88814940 | XXXX C A | Closed | FCRE1440 | 2026-01-29 10:18 | 2026-02-02 16:57 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received Mortgage Statements. - Due Diligence Vendor-02/02/2026 <br> Ready for Review-Attached is the mortgage statement for XXXX reflecting the current payment due with no past due balances. - Seller-01/30/2026 <br> Open-Housing History Does Not Meet Guideline Requirements missing mortgage payment for 1st lien being made for XXXX. only provided up to XXXX statement. must be 0x30x12 - Due Diligence Vendor-01/29/2026 | Ready for Review-Attached is the mortgage statement for XXXX reflecting the current payment due with no past due balances. - Seller-01/30/2026 | Resolved-Received Mortgage Statements. - Due Diligence Vendor-02/02/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - qualifying score 754; min score 700. Required is 700 Borrower has 754<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 44.04<br>CLTV is less than guidelines maximum - CLTV 79.93 max 85% Required is 85 Borrower has 79.93 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7350775 |
| XXXX | 86035475 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 80616785 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 81126728 | XXXX D A | Closed | FCRE6546 | 2025-12-30 09:18 | 2026-01-14 14:54 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-First lien Note provided. - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Document Uploaded. - Seller-01/14/2026 <br> Counter-Missing first lien Note and first payment letter for subject property (XXXX) that was recently refinanced with XXXX in XXXX. - Due Diligence Vendor-01/09/2026 <br> Ready for Review-Document Uploaded. - Seller-01/07/2026 <br> Counter-Missing first lien Note and first payment letter for subject property (XXXX) that was recently refinanced with XXXX in XXXX. - Due Diligence Vendor-01/02/2026 <br> Ready for Review-Document Uploaded. - Seller-12/31/2025 <br> Open-Missing first lien Note and first payment letter for subject property (XXXX) that was recently refinanced with XXXX in XXXX. Also, missing second lien Note for REO 3b, (XXXX) that was refinanced the same day as subject second lien with XXXX. - Due Diligence Vendor-12/30/2025 | Ready for Review-Document Uploaded. - Seller-01/14/2026 <br>Ready for Review-Document Uploaded. - Seller-01/07/2026 <br>Ready for Review-Document Uploaded. - Seller-12/31/2025<br>| Resolved-First lien Note provided. - Due Diligence Vendor-01/14/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 753; MIN SCORE 700. Required is 700 Borrower has 753<br>Qualifying DTI below maximum allowed - Qualifying DTI 17.1%; max 50%. Required is 50 Borrower has 17.1 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6850292 |
| XXXX | 81126728 | XXXX D A | Closed | FCRE5782 | 2025-12-30 10:02 | 2026-01-02 15:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM. - Due Diligence Vendor-01/02/2026 <br>Ready for Review-Document Uploaded. - Seller-12/31/2025 <br>Open-Borrower 1 Gap Credit Report is Missing Gap report is missing from the loan file. Credit report greater than 30 days old. - Due Diligence Vendor-12/30/2025 | Ready for Review-Document Uploaded. - Seller-12/31/2025<br>| Resolved-Received UDM. - Due Diligence Vendor-01/02/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Qualifying score 753; MIN SCORE 700. Required is 700 Borrower has 753<br>Qualifying DTI below maximum allowed - Qualifying DTI 17.1%; max 50%. Required is 50 Borrower has 17.1 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6851358 |
| XXXX | 87569240 | XXXX D A | Closed | FCRE5782 | 2026-01-14 12:56 | 2026-01-28 16:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDN - Due Diligence Vendor-01/20/2026 <br> Ready for Review-Document Uploaded. Please see UDN report XXXX, note date is XXXX - Seller-01/16/2026 <br> Open-Borrower 1 Gap Credit Report is Missing Gap Credit Report is Missing. As credit report is not dated within 30 days of the note date- a gap credit report is required. - Due Diligence Vendor-01/14/2026 | Ready for Review-Document Uploaded. Please see UDN report XXXX, note date is XXXX - Seller-01/16/2026 | Resolved-Received UDN - Due Diligence Vendor-01/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 790<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 63.5 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7090486 |
| XXXX | 85127452 | XXXX D A | Closed | FCRE5782 | 2026-01-07 15:33 | 2026-01-13 16:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDN w/LOE. - Due Diligence Vendor-01/13/2026 <br>Ready for Review-Document Uploaded. - Seller-01/12/2026 <br>Ready for Review-Document Uploaded. - Seller-01/12/2026 <br>Counter-Received Undisclosed Debt Verification. Missing LOX for new inquiries reflected after initial credit report. - Due Diligence Vendor-01/12/2026 <br>Counter-Received GAP for B2. Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-01/12/2026 <br>Ready for Review-Document Uploaded. - Seller-01/08/2026 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-01/07/2026 | Ready for Review-Document Uploaded. - Seller-01/12/2026 <br>Ready for Review-Document Uploaded. - Seller-01/12/2026 <br>Ready for Review-Document Uploaded. - Seller-01/08/2026<br>| Resolved-Received UDN w/LOE. - Due Diligence Vendor-01/13/2026<br>| CLTV is less than guidelines maximum - Required is 80 Borrower has 39.72<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 762 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6967872 |
| XXXX | 85127452 | XXXX D A | Closed | FCRE5783 | 2026-01-07 15:33 | 2026-01-13 16:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received UDN and LOE - Due Diligence Vendor-01/13/2026 <br>Ready for Review-Document Uploaded. - Seller-01/12/2026 <br>Ready for Review-Document Uploaded. - Seller-01/12/2026 <br>Counter-Received Undisclosed Debt Verification. Missing LOX for new inquiries reflected after initial credit report. - Due Diligence Vendor-01/12/2026 <br>Ready for Review-Document Uploaded. - Seller-01/08/2026 <br>Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-01/07/2026 | Ready for Review-Document Uploaded. - Seller-01/12/2026 <br>Ready for Review-Document Uploaded. - Seller-01/12/2026 <br>Ready for Review-Document Uploaded. - Seller-01/08/2026<br>| Resolved-Received UDN and LOE - Due Diligence Vendor-01/13/2026<br>| CLTV is less than guidelines maximum - Required is 80 Borrower has 39.72<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 762 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6967873 |
| XXXX | 82298352 | XXXX C A | Closed | FCRE1440 | 2025-12-29 09:55 | 2026-01-14 10:55 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Proof of payments provided from XXXX through XXXX. First payment was due in XXXX. - Due Diligence Vendor-01/14/2026 <br> Counter-Received Mortgage statement for XXXX. Finding is for missing subject VOM/pay history from inception to payoff for the XXXX loan with XXXX that was opened on XXXX as showing on title. - Due Diligence Vendor-01/12/2026 <br> Ready for Review-Document Uploaded. - Seller-01/08/2026 <br> Counter-Housing History Does Not Meet Guideline Requirements Missing subject VOM/pay history from inception to payoff for the XXXX loan with XXXX that was opened on XXXX as showing on title. - Due Diligence Vendor-01/05/2026 <br> Ready for Review-Document Uploaded. - Seller-01/02/2026 <br> Counter-Received email about HOI. Finding in regards to housing history. - Due Diligence Vendor-12/31/2025 <br> Ready for Review-Document Uploaded. - Seller-12/29/2025 <br> Open-Housing History Does Not Meet Guideline Requirements Missing subject VOM/pay history from inception to payoff for the XXXX loan with XXXX that was opened on XXXX as showing on title. - Due Diligence Vendor-12/29/2025 | Ready for Review-Document Uploaded. - Seller-01/08/2026 <br>Ready for Review-Document Uploaded. - Seller-01/02/2026 <br>Ready for Review-Document Uploaded. - Seller-12/29/2025<br>| Resolved-Proof of payments provided from XXXX through XXXXr. First payment was due in XXXX. - Due Diligence Vendor-01/14/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 753<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 16.66 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6830738 |
| XXXX | 82298352 | XXXX C A | Closed | FCRE7009 | 2025-12-29 08:57 | 2026-01-08 09:29 | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-After further review, the estimated cost new on the appraisal is XXXX. HOI is sufficient. - Due Diligence Vendor-01/08/2026 <br> Counter-Received email and HOI. Guideline require 80% of the combined 1st and 2nd loan balances and or HOI to confirm RCE coverage amount. - Due Diligence Vendor-12/31/2025 <br> Ready for Review-Document Uploaded. - Seller-12/29/2025 <br> Open-Insufficient Coverage Amount for Insured Subject Property. Coverage does not meet 80% of the combined 1st and 2nd loan balances and an RCE was not provided. - Due Diligence Vendor-12/29/2025 | Ready for Review-Document Uploaded. - Seller-12/29/2025<br>| Resolved-After further review, the estimated cost new on the appraisal is XXXX. HOI is sufficient. - Due Diligence Vendor-01/08/2026 | Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 753<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 16.66 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 6829378 |
| XXXX | 87573298 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 82178877 | XXXX D B A | Closed | FCRE5782 | 2026-01-26 11:36 | 2026-01-28 16:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received credit refresh. - Due Diligence Vendor-01/28/2026 <br>Ready for Review-Document Uploaded. Please see attached UDN - Seller-01/27/2026 <br>Open-Borrower 1 Gap Credit Report is Missing. - Due Diligence Vendor-01/26/2026 | Ready for Review-Document Uploaded. Please see attached UDN - Seller-01/27/2026<br>| Resolved-Received credit refresh. - Due Diligence Vendor-01/28/2026<br>| Qualifying DTI below maximum allowed - Required is 50. Borrower has 34.77. Required is 50 Borrower has 34.77<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700. Borrower has 736. Required is 700 Borrower has 736 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7298106 |
| XXXX | 82178877 | XXXX D B A | Closed | FCOM5135 | 2026-01-21 08:56 | 2026-01-21 08:56 | 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>| Qualifying DTI below maximum allowed - Required is 50. Borrower has 34.77. Required is 50 Borrower has 34.77<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700. Borrower has 736. Required is 700 Borrower has 736 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 7201338 |
| XXXX | 83645628 | XXXX D A | Closed | FCRE5782 | 2026-02-02 16:33 | 2026-02-05 16:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-02/05/2026 <br>Ready for Review-Document Uploaded. Please see attached UDN - Seller-02/03/2026 <br>Open-Borrower 1 Gap Credit Report is Missing Provide gap credit report. Additional conditions may apply. - Due Diligence Vendor-02/02/2026 | Ready for Review-Document Uploaded. Please see attached UDN - Seller-02/03/2026<br>| Resolved-Received Gap Report. - Due Diligence Vendor-02/05/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 797 Required is 660 Borrower has 797<br>CLTV is less than guidelines maximum - Required is 90 Borrower has 84.89 Required is 90 Borrower has 84.89<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 39.07 Required is 50 Borrower has 39.07 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7406134 |
| XXXX | 87507336 | XXXX C B A | Closed | FCOM1353 | 2026-01-21 16:15 | 2026-01-27 16:21 | 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-01/27/2026 |  | 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-01/27/2026<br>| CLTV is less than guidelines maximum - Required is 75 Borrower has 16.82 Required is 75 Borrower has 16.82<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 34.47 Required is 50 Borrower has 34.47<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 806 Required is 720 Borrower has 806 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 7225240 |
| XXXX | 85080571 | XXXX C A | Closed | finding-47 | 2026-02-11 12:35 | 2026-02-20 07:38 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved------Received PCCD XXXX, disbursement date XXXX. Finding resolved. - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Document Uploaded. Please see PCCD attached. - Seller-02/18/2026 <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-02/11/2026 | Ready for Review-Document Uploaded. Please see PCCD attached. - Seller-02/18/2026<br>| Resolved------Received PCCD XXXX, disbursement date XXXX. Finding resolved. - Due Diligence Vendor-02/20/2026 | CLTV is less than guidelines maximum - cltv IS 59.17% and max allowed is 80%. Required is 80 Borrower has 59.17<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 799 and minimum allowed is 660. Required is 660 Borrower has 799<br>Qualifying DTI below maximum allowed - DTI is 24.20 and max allowed is 50%. Required is 50 Borrower has 24.2 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7562996 |
| XXXX | 85080571 | XXXX C A | Closed | finding-3343 | 2026-02-11 12:35 | 2026-02-20 07:38 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Required Escrow Account Test | Resolved-HPML guides were met, file contains full appraisal and has no escrow because it's a second lien. - Due Diligence Vendor-02/18/2026 <br> Open-This loan failed the higher-priced mortgage loan required escrow account test. (12 CFR §1026.35(b))This loan fails to collect reserves for either:The payment of homeowner's insurance and property taxes for properties that are not a condominium, high rise condominium, or planned unit development, orThe loan contains a custom fee with an associated attribute of "escrow or reserves" but the fee does not have a dollar value listed; orThe payment of property taxes for condominium, or high rise condominium, or planned unit development.Except as provided in 1026.35(b)(2) regarding exemptions, a creditor may not extend a higher-priced mortgage loan secured by a first lien on a consumer's principal dwelling unless an escrow account is established before consummation for payment of property taxes and premiums for mortgage-related insurance required by the creditor, such as insurance against loss of or damage to property, or against liability arising out of the ownership or use of the property, or insurance protecting the creditor against the consumer's default or other credit loss.Insurance premiums described in above need not be included in escrow accounts for loans secured by dwellings in condominiums, planned unit developments, or other common interest communities in which dwelling ownership requires participation in a governing association, where the governing association has an obligation to the dwelling owners to maintain a master policy insuring all dwellings.PLEASE NOTE:(1)This test does not consider whether the creditor complies with 12 CFR §1026.35(b)(2)(iii) regarding properties that are located in counties designated as either "rural" or "underserved" by the Consumer Financial Protection Bureau.(2)This test does not account for instances when mortgage insurance reserves must be escrowed based on 12 CFR §1026.35. See Higher-Priced Mortgage Loan Alert (below) for full escrow requirements. Statute of limitations – One year; Expiration date: XXXX. HPML guides were met, file contains full appraisal and has no escrow because it's a second lien. - Due Diligence Vendor-02/18/2026 |  | Resolved-HPML guides were met, file contains full appraisal and has no escrow because it's a second lien. - Due Diligence Vendor-02/18/2026<br>| CLTV is less than guidelines maximum - cltv IS 59.17% and max allowed is 80%. Required is 80 Borrower has 59.17<br>Qualifying FICO score is at least 20 points above minimum for program - Score is 799 and minimum allowed is 660. Required is 660 Borrower has 799<br>Qualifying DTI below maximum allowed - DTI is 24.20 and max allowed is 50%. Required is 50 Borrower has 24.2 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7563004 |
| XXXX | 82407192 | XXXX D A | Closed | FCRE1347 | 2026-03-20 14:54 | 2026-03-24 15:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Received VVOE for B2 - Due Diligence Vendor-03/24/2026 <br> Ready for Review-Document Uploaded. Here is the VOE for the co brrw XXXX. You will the notice the address is in line with final 1003 and the date of hire on the VOE is in line with the final 1003 as well. - Seller-03/23/2026 <br> Open-Borrower 2 3rd Party VOE Prior to Close Missing Provide Lender VVOE dated within 10 days of closing. - Due Diligence Vendor-03/20/2026 | Ready for Review-Document Uploaded. Here is the VOE for the co brrw XXXX. You will the notice the address is in line with final 1003 and the date of hire on the VOE is in line with the final 1003 as well. - Seller-03/23/2026 | Resolved-Received VVOE for B2 - Due Diligence Vendor-03/24/2026<br>| On time mortgage history exceeds guideline requirement - 0x30x60<br>Credit history exceeds minimum required - Borrowers have extensive credit history paid timely reporting since 2002. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 8246030 |
| XXXX | 81247134 | XXXX D A C | Closed | FCRE1506 | 2026-02-17 14:26 | 2026-02-26 16:53 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Income calc updated adding back wires that are business income. - Due Diligence Vendor-02/26/2026 <br> Counter-Received LOE stating mobile deposits excluded and income is XXXX monthly, however the reviewed income is XXXX. Finding remains. <br> - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Document Uploaded. - Seller-02/23/2026 <br> Counter-Pending DTI resolution. - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Document Uploaded. - Seller-02/19/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Pending for income/DTI and gap credit. <br> - Due Diligence Vendor-02/17/2026 | Ready for Review-Document Uploaded. - Seller-02/23/2026 <br>Ready for Review-Document Uploaded. - Seller-02/19/2026<br>| Resolved-Income calc updated adding back wires that are business income. - Due Diligence Vendor-02/26/2026<br>| Months Reserves exceed minimum required - Qualifying reserves 14 months; minimum required NONE<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual $5,722.97; minimum required NONE |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7661175 |
| XXXX | 81247134 | XXXX D A C | Closed | FCRE1193 | 2026-02-17 14:28 | 2026-02-26 16:53 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Income calc updated adding back wires that are business income. - Due Diligence Vendor-02/26/2026 <br> Counter-Received LOE stating mobile deposits excluded and income is XXXX monthly, however the reviewed income is XXXX. Finding remains. <br> - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Document Uploaded. - Seller-02/23/2026 <br> Counter-1008 and income worksheet provided. It appears the lender did not excluded the mobile deposits listed in the original finding. - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Document Uploaded. - Seller-02/19/2026 <br> Open-Audited DTI of 53.72% exceeds Guideline DTI of 50% Per borrower provided business narrative revenues are NOT collected through Mobile Deposits. Per 8.5.4 of 2nd lien guides, last line defers to 1st lien guides for complete bank statement analysis. Per 8.6.6 of 1st lien guides, deposit pattern/frequency/inconsistencies to be evaluated. Auditor excluded all 6 Mobile Deposits which occurred 4x's in MXXXX, 1x in XXXX, and 1x in XXXX as they are not in line with the borrower's narrative, are large and inconsistent. Additional findings may apply. - Due Diligence Vendor-02/17/2026 | Ready for Review-Document Uploaded. - Seller-02/23/2026 <br>Ready for Review-Document Uploaded. - Seller-02/19/2026<br>| Resolved-Income calc updated adding back wires that are business income. - Due Diligence Vendor-02/26/2026<br>| Months Reserves exceed minimum required - Qualifying reserves 14 months; minimum required NONE<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual $5,722.97; minimum required NONE |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7661210 |
| XXXX | 81247134 | XXXX D A C | Closed | FCRE5782 | 2026-02-17 14:15 | 2026-02-26 16:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - Due Diligence Vendor-02/20/2026 <br>Ready for Review-Document Uploaded. - Seller-02/19/2026 <br>Open-Borrower 1 Gap Credit Report is Missing Missing gap credit report pulled within 30 days of the note date. Additional findings may apply. <br> - Due Diligence Vendor-02/17/2026 | Ready for Review-Document Uploaded. - Seller-02/19/2026<br>| Resolved-Received Gap Report. - Due Diligence Vendor-02/20/2026<br>| Months Reserves exceed minimum required - Qualifying reserves 14 months; minimum required NONE<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual $5,722.97; minimum required NONE |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7660977 |
| XXXX | 81247134 | XXXX D A C | Closed | FCRE1440 | 2026-02-17 14:21 | 2026-02-26 16:50 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received evidence of XXXX payment. - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Document Uploaded. - Seller-02/23/2026 <br> Counter-Payment history provided, however it appears the XXXX was not paid. New 1st Lien is dated XXXX. 1x30 exceeds 0x30 maximum allowed. - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Document Uploaded. - Seller-02/19/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Missing VOM for 1st lien not reporting on credit for 6-months per 6.5. (December and January payments documented in the loan file.) - Due Diligence Vendor-02/17/2026 | Ready for Review-Document Uploaded. - Seller-02/23/2026 <br>Ready for Review-Document Uploaded. - Seller-02/19/2026<br>| Resolved-Received evidence of XXXX payment. - Due Diligence Vendor-02/25/2026 | Months Reserves exceed minimum required - Qualifying reserves 14 months; minimum required NONE<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual $5,722.97; minimum required NONE |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7661093 |
| XXXX | 81247134 | XXXX D A C | Closed | FCRE6873 | 2026-02-17 14:16 | 2026-02-20 15:01 | Resolved | 1 - Information C A | Credit | Borrower | Fraud alert is present on the credit report | Resolved-Received Processor/Underwriter Certification for fraud alert on credit report. - Due Diligence Vendor-02/20/2026 <br>Ready for Review-Document Uploaded. - Seller-02/19/2026 <br>Open-Fraud Victim Alert on credit. Missing evidence Originator confirmed the borrowers identity, which information it verified, and that the borrower has willingly entered into the transaction. <br> - Due Diligence Vendor-02/17/2026 | Ready for Review-Document Uploaded. - Seller-02/19/2026<br>| Resolved-Received Processor/Underwriter Certification for fraud alert on credit report. - Due Diligence Vendor-02/20/2026<br>| Months Reserves exceed minimum required - Qualifying reserves 14 months; minimum required NONE<br>Residual Income =/> 1.5 times $3,500 monthly residual income - Qualifying residual $5,722.97; minimum required NONE |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7660998 |
| XXXX | 85513275 | XXXX D A | Closed | FCRE5782 | 2026-02-14 08:40 | 2026-02-18 16:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDM - Due Diligence Vendor-02/18/2026 <br>Ready for Review-Document Uploaded. - Seller-02/17/2026 <br>Open-Borrower 1 Gap Credit Report is Missing Gap Credit not present and not reflected on Fraud. - Due Diligence Vendor-02/14/2026 | Ready for Review-Document Uploaded. - Seller-02/17/2026<br>| Resolved-Received UDM - Due Diligence Vendor-02/18/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 755<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 32.86 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7622198 |
| XXXX | 86413740 | XXXX D A | Closed | FPRO1242 | 2026-02-18 09:27 | 2026-02-27 15:48 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-02/27/2026 <br>Ready for Review-Document Uploaded. This morning, we uploaded the UDC and the AVM. Both of these are in lieu of a full appraisal. This is a 2nd Lien so only require these, not a full appraisal. Please have them escalate and waive condition. Thank you - Seller-02/24/2026 <br>Counter-Received Data Report. Missing appraisal. - Due Diligence Vendor-02/24/2026 <br>Ready for Review-Document Uploaded. Per Lender - appraisal was uploaded. - Due Diligence Vendor-02/24/2026 <br>Open-Appraisal is Missing - Due Diligence Vendor-02/18/2026 | Ready for Review-Document Uploaded. This morning, we uploaded the UDC and the AVM. Both of these are in lieu of a full appraisal. This is a 2nd Lien so only require these, not a full appraisal. Please have them escalate and waive condition. Thank you - Seller-02/24/2026<br>| Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-02/27/2026<br>| On time mortgage history exceeds guideline requirement - 0X30 for 50 months on subject property 1st mortgage.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 773 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7676024 |
| XXXX | 86413740 | XXXX D A | Closed | FCOM1352 | 2026-02-18 09:17 | 2026-02-27 13:37 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Business Purpose Affidavit/Disclosure Missing | Resolved-After further review, this lender requires and occupancy cert. - Due Diligence Vendor-02/26/2026 <br>Counter-Received Occupancy Certification. Missing Business Purpose Affidavit. - Due Diligence Vendor-02/24/2026 <br>Ready for Review-Document Uploaded. Please see attached. - Seller-02/23/2026 <br>Open-The Business Purpose Affidavit Disclosure is Missing. - Due Diligence Vendor-02/20/2026 | Ready for Review-Document Uploaded. Please see attached. - Seller-02/23/2026<br>| Resolved-After further review, this lender requires and occupancy cert. - Due Diligence Vendor-02/26/2026<br>| On time mortgage history exceeds guideline requirement - 0X30 for 50 months on subject property 1st mortgage.<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 773 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7675795 |
| XXXX | 80277119 | XXXX D A C | Closed | finding-3352 | 2026-02-17 12:38 | 2026-02-23 09:35 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-The loan file contains a full appraisal. Second lien, no escrows required. - Due Diligence Vendor-02/23/2026 <br> Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. -----Statute of limitations – One year; Expiration date: XXXX. - Due Diligence Vendor-02/17/2026 |  | Resolved-The loan file contains a full appraisal. Second lien, no escrows required. - Due Diligence Vendor-02/23/2026<br>| CLTV is less than guidelines maximum - Required is 80 Borrower has 72.05<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.51<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 720 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7658661 |
| XXXX | 80277119 | XXXX D A C | Closed | FCRE5782 | 2026-02-18 11:07 | 2026-02-23 09:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-UDN provided. - Due Diligence Vendor-02/23/2026 <br>Ready for Review-Document Uploaded. - Seller-02/20/2026 <br>Open-Borrower 1 Gap Credit Report is Missing Gap Credit is missing and not present on Fraud Report. - Due Diligence Vendor-02/18/2026 | Ready for Review-Document Uploaded. - Seller-02/20/2026<br>| Resolved-UDN provided. - Due Diligence Vendor-02/23/2026<br>| CLTV is less than guidelines maximum - Required is 80 Borrower has 72.05<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.51<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 720 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7678205 |
| XXXX | 85092407 | XXXX D A | Closed | FCRE5782 | 2026-02-23 11:00 | 2026-03-02 12:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received Gap Report. - 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 - Due Diligence Vendor-02/23/2026 | Ready for Review-Document Uploaded. - Seller-02/24/2026<br>| Resolved-Received Gap Report. - Due Diligence Vendor-02/26/2026<br>| Verified employment history exceeds guidelines - Guidelines require 2 years of self-employment. The Borrower has been self-employed for over 15 years.<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.41 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7755934 |
| XXXX | 85092407 | XXXX D A | Closed | FCRE1345 | 2026-02-24 16:49 | 2026-03-02 12:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Lease Agreements Missing | Resolved-Per Lender, Included full PITIA for the subject property. - Due Diligence Vendor-03/02/2026 <br> Ready for Review-Document Uploaded. Hello, We do not need the rental income from subject and our DTI ratios is still 39.899% well within tolerance. Please waive the condition - Seller-02/26/2026 <br> Counter-Confirmed lease states month to month, however we are missing evidence of receipt. - Due Diligence Vendor-02/26/2026 <br> Ready for Review-Document Uploaded. Hello, please see residential rental contract and escalate condition: The lease has the highlighted verbiage that it would converted to month to month.<br>- Seller-02/24/2026 <br> Open-Borrower 1 Lease Agreements Missing The lease agreement provided for the subject property expired on XXXX. There is no documentation to indicate the lease is month-to-month or that the borrower has been receiving the rental income. Please provide documentation. Additional conditions may apply. - Due Diligence Vendor-02/24/2026 | Ready for Review-Document Uploaded. Hello, We do not need the rental income from subject and our DTI ratios is still 39.899% well within tolerance. Please waive the condition - Seller-02/26/2026 <br>Ready for Review-Document Uploaded. Hello, please see residential rental contract and escalate condition: The lease has the highlighted verbiage that it would converted to month to month.<br>- Seller-02/24/2026<br>| Resolved-Per Lender, Included full PITIA for the subject property. - Due Diligence Vendor-03/02/2026<br>| Verified employment history exceeds guidelines - Guidelines require 2 years of self-employment. The Borrower has been self-employed for over 15 years.<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.41 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7787115 |
| XXXX | 85118398 | XXXX C A | Closed | finding-4033 | 2026-02-11 13:10 | 2026-02-18 15:36 | 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.<br> - Due Diligence Vendor-02/18/2026 <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 10.415%. The APR threshold to qualify for a safe harbor is 9.560%.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 |  | Resolved-Upon further review, the document(s) are located in original file, nothing further required.<br> - Due Diligence Vendor-02/18/2026<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 $116,094.14; minimum required NONE |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7563869 |
| XXXX | 82926250 | XXXX D A C | Closed | FCRE1506 | 2026-03-18 12:57 | 2026-03-27 10:51 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received CPA letter. - Due Diligence Vendor-03/20/2026 <br>Ready for Review-Document Uploaded. uploaded a signed CPA letter confirming 100% ownership - Seller-03/18/2026 <br>Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing CPA/CTEC letter or operating agreement to confirm borrower is 100% owner of the qualifying business. Entity documents provided do not show this information and the CPA letter labeled in file is only a processor cert confirming a CPA information. - Due Diligence Vendor-03/18/2026 | Ready for Review-Document Uploaded. uploaded a signed CPA letter confirming 100% ownership - Seller-03/18/2026<br>| Resolved-Received CPA letter. - Due Diligence Vendor-03/20/2026<br>| CLTV is less than guidelines maximum - Required is 75 Borrower has 34.46<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 718<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 25.17 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8187977 |
| XXXX | 82926250 | XXXX D A C | Closed | FCRE1325 | 2026-03-18 12:44 | 2026-03-27 10:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 CPA Letter Missing | Resolved-Borrower 1 CPA Letter Provided - Due Diligence Vendor-03/20/2026 <br>Ready for Review-Document Uploaded. Attach is a letter signed and date by the CPA confirming 100% ownership. - Seller-03/18/2026 <br>Open-Borrower 1 CPA Letter Missing Missing CPA/CTEC letter or operating agreement to confirm borrower is 100% owner of the qualifying business. Entity documents provided do not show this information and the CPA letter labeled in file is only a processor cert confirming a CPA information. - Due Diligence Vendor-03/18/2026 | Ready for Review-Document Uploaded. Attach is a letter signed and date by the CPA confirming 100% ownership. - Seller-03/18/2026<br>| Resolved-Borrower 1 CPA Letter Provided - Due Diligence Vendor-03/20/2026<br>| CLTV is less than guidelines maximum - Required is 75 Borrower has 34.46<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 718<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 25.17 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8187613 |
| XXXX | 82926250 | XXXX D A C | Closed | FCOM0013 | 2026-03-17 10:28 | 2026-03-20 09:25 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Received evidence of eConsent. Finding resolved. - Due Diligence Vendor-03/20/2026 <br>Ready for Review-Document Uploaded. Here you go - Seller-03/18/2026 <br>Open-Missing e-Consent. e-Consent missing from file - Due Diligence Vendor-03/17/2026 | Ready for Review-Document Uploaded. Here you go - Seller-03/18/2026<br>| Resolved-Received evidence of eConsent. Finding resolved. - Due Diligence Vendor-03/20/2026<br>| CLTV is less than guidelines maximum - Required is 75 Borrower has 34.46<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 718<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 25.17 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8150440 |
| XXXX | 88038417 | XXXX C B A | Closed | FCOM0013 | 2026-03-16 13:14 | 2026-03-19 13:19 | Resolved | 1 - Information C A | Compliance | Disclosure | Missing e-Consent | Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-03/19/2026 <br>Ready for Review-Document Uploaded. please see attached - Seller-03/18/2026 <br>Open-Missing e-Consent. Missing proof e-consent was received and agreed upon by borrower. - Due Diligence Vendor-03/16/2026 | Ready for Review-Document Uploaded. please see attached - Seller-03/18/2026<br>| Resolved-Received acknowledgement of E-Consent. Finding Resolved. - Due Diligence Vendor-03/19/2026<br>| CLTV is less than guidelines maximum - Required is 90 Borrower has 66.88<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 743<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 30.86 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8131802 |
| XXXX | 88038417 | XXXX C B A | Closed | FCOM1353 | 2026-03-16 13:14 | 2026-03-16 13:14 | 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-03/16/2026 |  | 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'). 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-03/16/2026<br>| CLTV is less than guidelines maximum - Required is 90 Borrower has 66.88<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 743<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 30.86 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 8131801 |
| XXXX | 85846657 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 85130806 | XXXX D B A | Closed | FCRE7497 | 2026-02-18 17:20 | 2026-02-20 15:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received HOI for property noted on final 1003 as 3f - Due Diligence Vendor-02/20/2026 <br>Ready for Review-Document Uploaded. HOI statements for all properties attached. Please specify if anything is missing; not sure what REO 3f is referring to. - Seller-02/18/2026 <br>Open-Missing HOI for REO 3f. - Due Diligence Vendor-02/18/2026 | Ready for Review-Document Uploaded. HOI statements for all properties attached. Please specify if anything is missing; not sure what REO 3f is referring to. - Seller-02/18/2026<br>| Resolved-Received HOI for property noted on final 1003 as 3f - Due Diligence Vendor-02/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 764<br>CLTV is less than guidelines maximum - Required is 85 Borrower has 57.24 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7686018 |
| XXXX | 85130806 | XXXX D B A | Closed | FCOM1252 | 2026-02-11 12:05 | 2026-02-20 11:14 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved------Received initial LE XXXX and LE XXXX. Finding resolved. - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Document Uploaded. Initial and locked LE attached. - Seller-02/18/2026 <br> Open------Missing ALL LES. Additional findings may apply upon receipt. - Due Diligence Vendor-02/11/2026 | Ready for Review-Document Uploaded. Initial and locked LE attached. - Seller-02/18/2026<br>| Resolved------Received initial LE 12/24/2025 and LE 12/30/2025. 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 764<br>CLTV is less than guidelines maximum - Required is 85 Borrower has 57.24 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7562257 |
| XXXX | 85130806 | XXXX D B A | Closed | FCOM1266 | 2026-02-11 12:02 | 2026-02-20 10:58 | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved------Received Homeownership Counseling Disclosure. Finding resolved. - Due Diligence Vendor-02/20/2026 <br>Ready for Review-Document Uploaded. see disclosure tracking; proof disclosure provided to borrower - Seller-02/18/2026 <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 - 1 Year(s); Expiration Date: 02/04/2027. - Due Diligence Vendor-02/11/2026 | Ready for Review-Document Uploaded. see disclosure tracking; proof disclosure provided to borrower - Seller-02/18/2026<br>| Resolved------Received Homeownership Counseling Disclosure. 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 764<br>CLTV is less than guidelines maximum - Required is 85 Borrower has 57.24 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7562200 |
| XXXX | 85130806 | XXXX D B A | Closed | FCOM1124 | 2026-02-11 11:35 | 2026-02-11 12:26 | Waived | 2 - Non-Material B | Compliance | Data | Borrower 1 Final Signature Date is in the future | Waived------Originator waiver applied to non-material Findings. - Due Diligence Vendor-02/11/2026 <br> Open-Borrower 1 Final Signature Date is greater than the transaction date of XXXX- Due Diligence Vendor-02/11/2026 |  | Waived------Originator waiver applied to non-material Findings. - Due Diligence Vendor-02/11/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 764<br>CLTV is less than guidelines maximum - Required is 85 Borrower has 57.24 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 7561711 |
| XXXX | 85130806 | XXXX D B A | Closed | FCOM1125 | 2026-02-11 11:35 | 2026-02-11 12:26 | Waived | 2 - Non-Material B | Compliance | Data | Borrower 2 Final Signature Date is in the future | Waived------Originator waiver applied to non-material Findings. - Due Diligence Vendor-02/11/2026 <br> Open-Borrower 2 Final Signature Date is greater than the transaction date of XXXX - Due Diligence Vendor-02/11/2026 |  | Waived------Originator waiver applied to non-material Findings. - Due Diligence Vendor-02/11/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 764<br>CLTV is less than guidelines maximum - Required is 85 Borrower has 57.24 |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | 7561712 |
| XXXX | 82597614 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 89790773 | XXXX C A | Closed | FCRE1176 | 2026-03-16 12:44 | 2026-03-19 13:09 | Resolved | 1 - Information C A | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Resolved-Received current HO6 policy - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Document Uploaded. - Seller-03/18/2026 <br> Ready for Review-Document Uploaded. See attached current HO6 policy; renewal provided at original submission. - Seller-03/17/2026 <br> Ready for Review-Document Uploaded. Per section 6.4: The gap credit report, soft-pull or final report for the undisclosed debt monitoring is to be dated within 30 days of the Note date. Refresh is within 30 days as required. - Seller-03/17/2026 <br> Open-HO-6 Insurance Policy Effective Date of XXXX is after the Note Date of XXXX - Due Diligence Vendor-03/17/2026 | Ready for Review-Document Uploaded. - Seller-03/18/2026 <br>Ready for Review-Document Uploaded. See attached current HO6 policy; renewal provided at original submission. - Seller-03/17/2026 <br>Ready for Review-Document Uploaded. Per section 6.4: The gap credit report, soft-pull or final report for the undisclosed debt monitoring is to be dated within 30 days of the Note date. Refresh is within 30 days as required. - Seller-03/17/2026<br>| Resolved-Received current HO6 policy - Due Diligence Vendor-03/19/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 774 Required is 700 Borrower has 774<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 74.84 Required is 80 Borrower has 74.84 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 8131121 |
| XXXX | 89790773 | XXXX C A | Closed | FCRE5790 | 2026-03-17 09:31 | 2026-03-19 13:07 | 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 credit documentation - Due Diligence Vendor-03/19/2026 <br>Ready for Review-Document Uploaded. See attached current HO6 policy. Policy in file is for renewal. Credit report is within 30 days as required by guidelines. - Seller-03/17/2026 <br>Open-Gap Credit Report is Expired - Due Diligence Vendor-03/17/2026 | Ready for Review-Document Uploaded. See attached current HO6 policy. Policy in file is for renewal. Credit report is within 30 days as required by guidelines. - Seller-03/17/2026<br>| Resolved-Upon further review, the loan file contained all required credit documentation - Due Diligence Vendor-03/19/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 774 Required is 700 Borrower has 774<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 74.84 Required is 80 Borrower has 74.84 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 8148976 |
| XXXX | 81082502 | XXXX D A | Closed | FCRE1506 | 2026-03-04 15:58 | 2026-04-03 10:08 | Resolved | 1 - Information C A | Credit | QM-ATR | Invalid Final QM Status - ATR/QM: Status Pending | Resolved-Received REO documentation. - Due Diligence Vendor-03/06/2026 <br> Ready for Review-Document Uploaded. Title and mortgage in LLC; borrower not personally liable. - Seller-03/04/2026 <br> Open-The Final Reviewed QM Status is 'ATR/QM: Status Pending' on a non-Business Purpose loan. Missing 12 month pay history for XXXX. A mortgage statement was included in the file for this property. The property was missing from the 1003 but it appears the lender counted the loss based on their 1008 figures. If this cannot be provided then it will require proof the borrower is not personally liable for this debt. Copy of mortgage statement provided on it's own showing an LLC does not indicate the borrower is not personally liable since the insurance policy shows the borrower is personally insured. - Due Diligence Vendor-03/04/2026 | Ready for Review-Document Uploaded. Title and mortgage in LLC; borrower not personally liable. - Seller-03/04/2026<br>| Resolved-Received REO documentation. - Due Diligence Vendor-03/06/2026<br>| CLTV is less than guidelines maximum - Required is 75 Borrower has 67.35<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 721 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7929831 |
| XXXX | 81082502 | XXXX D A | Closed | FCRE1440 | 2026-03-04 15:54 | 2026-03-06 14:12 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received documentation to support the borrower is not responsible. - Due Diligence Vendor-03/06/2026 <br> Ready for Review-Document Uploaded. Title and mortgage in LLC; borrower not personally liable. - Seller-03/04/2026 <br> Open-Housing History Does Not Meet Guideline Requirements Missing 12 month pay history for XXXX. A mortgage statement was included in the file for this property. The property was missing from the 1003 but it appears the lender counted the loss based on their 1008 figures. If this cannot be provided then it will require proof the borrower is not personally liable for this debt. Copy of mortgage statement provided on it's own showing an LLC does not indicate the borrower is not personally liable since the insurance policy shows the borrower is personally insured. - Due Diligence Vendor-03/04/2026 | Ready for Review-Document Uploaded. Title and mortgage in LLC; borrower not personally liable. - Seller-03/04/2026<br>| Resolved-Received documentation to support the borrower is not responsible. - Due Diligence Vendor-03/06/2026<br>| CLTV is less than guidelines maximum - Required is 75 Borrower has 67.35<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 721 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7929744 |
| XXXX | 81082502 | XXXX D A | Closed | FCRE7497 | 2026-03-04 10:20 | 2026-03-06 14:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received Tax Verification. - Due Diligence Vendor-03/06/2026 <br> Ready for Review-Document Uploaded. See attached property profile for XXXX. Title and mortgage are not in borrowers name so he is not personally liable. - Seller-03/04/2026 <br> Open-Missing tax information for XXXX. A mortgage statement was included in the file for this property. The property was missing from the 1003 but it appears the lender counted the loss based on their 1008 figures. If this cannot be provided then it will require proof the borrower is not personally liable for this debt. Copy of mortgage statement provided on it's own showing an LLC does not indicate the borrower is not personally liable since the insurance policy shows the borrower is personally insured. - Due Diligence Vendor-03/04/2026 | Ready for Review-Document Uploaded. See attached property profile for XXXX. Title and mortgage are not in borrowers name so he is not personally liable. - Seller-03/04/2026<br>| Resolved-Received Tax Verification. - Due Diligence Vendor-03/06/2026<br>| CLTV is less than guidelines maximum - Required is 75 Borrower has 67.35<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 721 |  | XXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7918762 |
| XXXX | 80654149 | XXXX D A | Closed | FCRE2371 | 2026-03-06 10:27 | 2026-03-11 13:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing final HUD-1 from sale of non-subject property | Resolved-Received refinance CD for additional REO reducing dti. - Due Diligence Vendor-03/11/2026 <br> Ready for Review-Document Uploaded. I apologize but the updated mortgage information for the XXXX property was not included with the original loan package. Borrower concurrently refinanced XXXX and reduced the monthly payment. See attached note and CD confirming monthly payment decreased about XXXX which will bring the DTI in line with acceptable ratios. - Seller-03/10/2026 <br> Counter-Received 1008 and confirmation departure residence did not sell. Review has included PITIA for departing residence and ratios are now 50.37% and exceed maximum of 50.00% - Due Diligence Vendor-03/10/2026 <br> Ready for Review-Document Uploaded. see attached 1008; departing residence has not sold and borrower qualified with full PITIA on XXXX property. - Seller-03/09/2026 <br> Open-Missing HUD1 to document sale of departure-REO 3b - Due Diligence Vendor-03/06/2026 | Ready for Review-Document Uploaded. I apologize but the updated mortgage information for the XXXX property was not included with the original loan package. Borrower concurrently refinanced XXXX and reduced the monthly payment. See attached note and CD confirming monthly payment decreased about XXXX which will bring the DTI in line with acceptable ratios. - Seller-03/10/2026 <br> Ready for Review-Document Uploaded. see attached 1008; departing residence has not sold and borrower qualified with full PITIA on XXXX property. - Seller-03/09/2026 | Resolved-Received refinance CD for additional REO reducing dti. - Due Diligence Vendor-03/11/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 777<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 75<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.66 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7971561 |
| XXXX | 80654149 | XXXX D A | Closed | FCRE0201 | 2026-03-06 09:53 | 2026-03-11 13:18 | Resolved | 1 - Information C A | Credit | Eligibility | Senior Lien Doc Indicator Missing | Resolved-Received security instrument. - Due Diligence Vendor-03/11/2026 <br>Ready for Review-Document Uploaded. - Seller-03/10/2026 <br>Counter-Received mortgage statement. Missing Note date and maturity date. Provide Note or Security Instrument. - Due Diligence Vendor-03/10/2026 <br>Ready for Review-Document Uploaded. see attached mortgage statement; note not required if mortgage statement confirms all terms of the first lien. - Seller-03/09/2026 <br>Open-Senior Lien Doc Indicator Missing. Copy of first mortgage note is required - Due Diligence Vendor-03/06/2026 | Ready for Review-Document Uploaded. - Seller-03/10/2026 <br>Ready for Review-Document Uploaded. see attached mortgage statement; note not required if mortgage statement confirms all terms of the first lien. - Seller-03/09/2026<br>| Resolved-Received security instrument. - Due Diligence Vendor-03/11/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 777<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 75<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.66 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7970790 |
| XXXX | 80654149 | XXXX D A | Closed | FCRE7497 | 2026-03-06 10:30 | 2026-03-10 16:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received HOA and final CD for new primary. - Due Diligence Vendor-03/10/2026 <br>Ready for Review-Document Uploaded. see attached HOA for departing residence and note and CD for new purchase transaction. - Seller-03/09/2026 <br>Open-Missing statement of HOA fees on REO 3f as stated on the 1003<br> Missing documentation of new primary residence PITIA (REO 3f) as per final 1003. - Due Diligence Vendor-03/06/2026 | Ready for Review-Document Uploaded. see attached HOA for departing residence and note and CD for new purchase transaction. - Seller-03/09/2026<br>| Resolved-Received HOA and final CD for new primary. - Due Diligence Vendor-03/10/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 720 Borrower has 777<br>CLTV is less than guidelines maximum - Required is 80 Borrower has 75<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 36.66 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 7971602 |
| XXXX | 85733202 | XXXX C B A | Closed | FCRE1195 | 2026-01-08 07:57 | 2026-01-08 07:59 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Document Uploaded. Originator waiver applied to non-material finding with compensating factors. Exception for a 72.68% CLTV, max 70%. - Due Diligence Vendor-01/08/2026 <br>Open-Audited CLTV of 72.68% exceeds Guideline CLTV of 70% - Due Diligence Vendor-01/08/2026 |  | Waived-Document Uploaded. Originator waiver applied to non-material finding with compensating factors. Exception for a 72.68% CLTV, max 70%. - Due Diligence Vendor-01/08/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 30.56<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 783 | 783 fico<br> 31% DTI<br> 44 months of reserves. | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 6979104 |
| XXXX | 84296966 | XXXX D A | Closed | FCRE5782 | 2026-01-07 10:34 | 2026-01-08 12:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-UDN provided. - Due Diligence Vendor-01/08/2026 <br>Ready for Review-Document Uploaded. Please see UDN that was originally provided. Loan closed on 12/19 within the 10 days - Seller-01/07/2026 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-01/07/2026 | Ready for Review-Document Uploaded. Please see UDN that was originally provided. Loan closed on XXXX within the 10 days - Seller-01/07/2026 | Resolved-UDN provided. - Due Diligence Vendor-01/08/2026<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 720 Borrower has 759 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 6959935 |
| XXXX | 82594382 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 82845602 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 88117674 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 85012958 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| XXXX | 85424437 | XXXX D B A | Closed | FCOM1353 | 2026-02-13 08:56 | 2026-02-13 09:36 | 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-02/13/2026 |  | 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-02/13/2026<br>| Months Reserves exceed minimum required - 61 mths reserves; 0 mths required.<br>On time mortgage history exceeds guideline requirement - 0x30x60 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 7606526 |
| XXXX | 89208198 | XXXX C A | Closed | FCRE1254 | 2026-03-05 15:35 | 2026-03-09 16:40 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received 1st lien refi settlement statement reflecting 17 and 18 paid. 19 was paid with subject transaction and reflecting on CD. - Due Diligence Vendor-03/09/2026 <br>Ready for Review-Document Uploaded. 17 & 18 were paid off see attached HUD from the 1st lien and #19 was paid off from this transaction see HUD in file. - Seller-03/06/2026 <br>Open-Property Title Issue Provide evidence the items 17, 18, and 19 have been satisfied and removed from title exceptions. - Due Diligence Vendor-03/05/2026 | Ready for Review-Document Uploaded. 17 & 18 were paid off see attached HUD from the 1st lien and #19 was paid off from this transaction see HUD in file. - Seller-03/06/2026<br>| Resolved-Received 1st lien refi settlement statement reflecting 17 and 18 paid. 19 was paid with subject transaction and reflecting on CD. - Due Diligence Vendor-03/09/2026<br>| CLTV is less than guidelines maximum - Required is 80 Borrower has 70<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 11.82<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 750 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7952372 |
| XXXX | 89208198 | XXXX C A | Closed | FCRE0201 | 2026-03-04 15:59 | 2026-03-09 16:37 | Resolved | 1 - Information C A | Credit | Eligibility | Senior Lien Doc Indicator Missing | Resolved-Received new senior lien note and 1st payment letter. - Due Diligence Vendor-03/09/2026 <br>Ready for Review-Document Uploaded. - Seller-03/06/2026 <br>Open-Senior Lien Doc Indicator Missing. Missing DTI and LTV/CLTV to be re calculated once received. Additional findings may apply. - Due Diligence Vendor-03/04/2026 | Ready for Review-Document Uploaded. - Seller-03/06/2026<br>| Resolved-Received new senior lien note and 1st payment letter. - Due Diligence Vendor-03/09/2026<br>| CLTV is less than guidelines maximum - Required is 80 Borrower has 70<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 11.82<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 750 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7929847 |
| XXXX | 81445369 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 86419357 | XXXX C A | Closed | finding-3634 | 2026-03-14 12:26 | 2026-03-18 12:45 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Received COC's and CD's. Finding Resolved. - Due Diligence Vendor-03/18/2026 <br> Ready for Review-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 XXXX.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-03/18/2026 <br> Ready for Review-Document Uploaded. 3.2 COC – Discount Points were updated and lender credit was removed due to change in loan terms<br> 3.4 COC- Trust Fee Added<br> 3.6 COC – Loan amount increased which then changed the amount for discount pts and borrower paid comp<br> - Seller-03/16/2026 <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 XXXX.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 XXXX (Points, trust review fee and Mortgage Broker 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 XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Statute of Limitations - 3 Year(s); Expiration Date: XXXX. - Due Diligence Vendor-03/14/2026 | Ready for Review-Document Uploaded. 3.2 COC – Discount Points were updated and lender credit was removed due to change in loan terms<br> 3.4 COC- Trust Fee Added<br> 3.6 COC – Loan amount increased which then changed the amount for discount pts and borrower paid comp<br> - Seller-03/16/2026<br>| Resolved-Received COC's and CD's. Finding Resolved. - Due Diligence Vendor-03/18/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.62<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 735 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8111937 |
| XXXX | 86419357 | XXXX C A | Closed | finding-3652 | 2026-03-14 12:26 | 2026-03-18 12:37 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received CD's and COC for fees. Finding Resolved. - Due Diligence Vendor-03/18/2026 <br> Ready for Review-Document Uploaded. 3.2 COC – Discount Points were updated and lender credit was removed due to change in loan terms<br> XXXX COC- Trust Fee Added<br> XXXX COC – Loan amount increased which then changed the amount for discount pts and borrower paid comp<br> - Seller-03/16/2026 <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 (XXXX). 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 XXXX to XXXX without a valid COC in file. Provide a COC for decrease OR evidence of refund to borrower or principal reduction in the amount of XXXX, post-close CD, LOE and evidence of delivery to borrower within 60 days of consummation date. Reduction in Lender credits must be directly related to fees and must offset closing cost equally. Statute of Limitations 3 years- Expiration date is XXXX. - Due Diligence Vendor-03/14/2026 | Ready for Review-Document Uploaded. 3.2 COC – Discount Points were updated and lender credit was removed due to change in loan terms<br> XXXX COC- Trust Fee Added<br> XXXX COC – Loan amount increased which then changed the amount for discount pts and borrower paid comp<br> - Seller-03/16/2026 | Resolved-Received CD's and COC for fees. Finding Resolved. - Due Diligence Vendor-03/18/2026<br>| Qualifying DTI below maximum allowed - Required is 50 Borrower has 37.62<br>Qualifying FICO score is at least 20 points above minimum for program - Required is 660 Borrower has 735 |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 8111936 |
| XXXX | 80847611 | XXXX D A | Closed | FCRE1158 | 2026-03-04 11:05 | 2026-03-09 13:02 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-HOI premium provided. - Due Diligence Vendor-03/09/2026 <br>Ready for Review-Document Uploaded. - Seller-03/07/2026 <br>Open-Hazard Insurance Policy (Or HO-6 Insurance Policy if Subject Property is a Condo) is only Partially Provided Missing HOI premium amount, not listed in docs - Due Diligence Vendor-03/04/2026 | Ready for Review-Document Uploaded. - Seller-03/07/2026<br>| Resolved-HOI premium provided. - Due Diligence Vendor-03/09/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 680 Borrower has 725<br>Months Reserves exceed minimum required - 25.57 mths reserves; 0 mths required. |  | XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | 7919859 |

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## Exhibit 99.2

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.2 - Schedule 4**

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| | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Original Loan Amount** | **Initial Property Loan Grades DBRS** | **Initial Property Loan Grades Kroll** | **Initial Property Loan Grades Moody's** | **Initial Property Loan Grades S&P** | **Final Property Loan Grades DBRS** | **Final Property Loan Grades Kroll** | **Final Property Loan Grades Moody's** | **Final Property Loan Grades S&P** |
| XXXX | 86805874 | XXXX | XXXX D A | A | A | A | A D | A | A | A | A |
| XXXX | 87408193 | XXXX | XXXX A | A | A | A | A | A | A | A | A |
| XXXX | 81339711 | XXXX | XXXX D A | A | A | A | A D | A | A | A | A |
| XXXX | 80591817 | XXXX | XXXX D A | A | A | A | A D | A | A | A | A |
| XXXX | 88252267 | XXXX | XXXX C | A | A | A | A C | A | A | A | A |
| XXXX | 88759455 | XXXX | XXXX D C | A | A | A | A D | A | A | A | A |
| XXXX | 89088275 | XXXX | XXXX C | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| XXXX | 89709288 | XXXX | XXXX C | A | A | A | A C | A | A | A | A |
| XXXX | 87170745 | XXXX | XXXX A | A | A | A | A | A | A | A | A |
| XXXX | 89932839 | XXXX | XXXX D C | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| XXXX | 81562397 | XXXX | XXXX A | A | A | A | A | A | A | A | A |
| XXXX | 88516942 | XXXX | XXXX D C | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| XXXX | 89921362 | XXXX | XXXX A | A | A | A | A | A | A | A | A |
| XXXX | 87614965 | XXXX | XXXX D A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| XXXX | 84782504 | XXXX | XXXX C A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| XXXX | 81924223 | XXXX | XXXX A C | A | A | A | A C | A | A | A | A |
| XXXX | 89088051 | XXXX | XXXX A | A | A | A | A | A | A | A | A |
| XXXX | 81264944 | XXXX | XXXX D C | A | A | A | A D | A | A | A | A |
| XXXX | 80570159 | XXXX | XXXX A | A | A | A | A | A | A | A | A |
| XXXX | 85190975 | XXXX | XXXX A | A | A | A | A | A | A | A | A |
| XXXX | 83565119 | XXXX | XXXX A | A | A | A | A | A | A | A | A |
| XXXX | 81271651 | XXXX | XXXX A C | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| XXXX | 80756411 | XXXX | XXXX A C | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A B |
| XXXX | 83045569 | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXXX | 84994178 | XXXX | XXXX D C | C | C | C | C D A | A | A | A | A |
| XXXX | 87976882 | XXXX | XXXX D A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| XXXX | 80543877 | XXXX | XXXX D B | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A B |
| XXXX | 89490225 | XXXX | XXXX A C | A | A | A | A C | A | A | A | A |
| XXXX | 80939699 | XXXX | XXXX D C | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A B |
| XXXX | 87491375 | XXXX | XXXX D C | A | A | A | A D | A | A | A | A |
| XXXX | 88572497 | XXXX | XXXX A | A | A | A | A | A | A | A | A |
| XXXX | 83932417 | XXXX | XXXX D A | A | A | A | A D | A | A | A | A |
| XXXX | 87730933 | XXXX | XXXX D | A | A | A | A D | A | A | A | A |
| XXXX | 84420511 | XXXX | XXXX D C | A | A | A | A D | A | A | A | A |
| XXXX | 84905660 | XXXX | XXXX D A | A | A | A | A D | A | A | A | A |
| XXXX | 84890449 | XXXX | XXXX D C | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A B |
| XXXX | 80238285 | XXXX | XXXX D | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A B |
| XXXX | 87304535 | XXXX | XXXX D C | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| XXXX | 80905972 | XXXX | XXXX D A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| XXXX | 80975058 | XXXX | XXXX D A | A | A | A | A D B | A | A | A | A B |
| XXXX | 85292099 | XXXX | XXXX D A | A | A | A | A D | A | A | A | A |
| XXXX | 82904768 | XXXX | XXXX D A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| XXXX | 85860368 | XXXX | XXXX D A | A | A | A | A D B | A | A | A | A B |
| XXXX | 82660175 | XXXX | XXXX C A | A | A | A | A C | A | A | A | A |
| XXXX | 82239957 | XXXX | XXXX D C | A | A | A | A D | A | A | A | A |
| XXXX | 86380857 | XXXX | XXXX D A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| XXXX | 86558153 | XXXX | XXXX D C | A | A | A | A D | A | A | A | A |
| XXXX | 80719562 | XXXX | XXXX D A | A | A | A | A D B | A | A | A | A B |
| XXXX | 81419688 | XXXX | XXXX A | A | A | A | A | A | A | A | A |
| XXXX | 81689133 | XXXX | XXXX D A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| XXXX | 89005118 | XXXX | XXXX D A | A | A | A | A D | A | A | A | A |
| XXXX | 83114760 | XXXX | XXXX D A | A | A | A | A D | A | A | A | A |
| XXXX | 85081584 | XXXX | XXXX D C | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A B |
| XXXX | 80580320 | XXXX | XXXX D A | A | A | A | A D | A | A | A | A |
| XXXX | 84320197 | XXXX | XXXX D C | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| XXXX | 84804652 | XXXX | XXXX C A | A | A | A | A C | A | A | A | A |
| XXXX | 87435480 | XXXX | XXXX D A | A | A | A | A D | A | A | A | A |
| XXXX | 85023500 | XXXX | XXXX D A | A | A | A | A D B | A | A | A | A B |
| XXXX | 83113568 | XXXX | XXXX D A | A | A | A | A D | A | A | A | A |
| XXXX | 87956071 | XXXX | XXXX D C | A | A | A | A D B | A | A | A | A B |
| XXXX | 85261839 | XXXX | XXXX D C | A | A | A | A D | A | A | A | A |
| XXXX | 88998298 | XXXX | XXXX D | A | A | A | A D | A | A | A | A |
| XXXX | 89275724 | XXXX | XXXX D A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| XXXX | 87363366 | XXXX | XXXX C | A | A | A | A C | A | A | A | A |
| XXXX | 87150104 | XXXX | XXXX D A | A | A | A | A D | A | A | A | A |
| XXXX | 84869028 | XXXX | XXXX C A | A | A | A | A C B | A | A | A | A B |
| XXXX | 87414513 | XXXX | XXXX C A | A | A | A | A C | A | A | A | A |
| XXXX | 84627454 | XXXX | XXXX A C | N/A C | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A B |
| XXXX | 83909961 | XXXX | XXXX D A | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A B |
| XXXX | 87621953 | XXXX | XXXX A C | A | A | A | A C | A | A | A | A |
| XXXX | 80013901 | XXXX | XXXX C A | A | A | A | A C | A | A | A | A |
| XXXX | 81051363 | XXXX | XXXX D A | A | A | A | A D | A | A | A | A |
| XXXX | 86136384 | XXXX | XXXX C | A | A | A | A C B | A | A | A | A B |
| XXXX | 88555279 | XXXX | XXXX A | A | A | A | A | A | A | A | A |
| XXXX | 85911887 | XXXX | XXXX A | A | A | A | A | A | A | A | A |
| XXXX | 87579069 | XXXX | XXXX C B | C | C | C | C B | A | A | A | A B |
| XXXX | 82165009 | XXXX | XXXX A B | A | A | A | A B | A | A | A | A B |
| XXXX | 80314630 | XXXX | XXXX A | C | C | C | C A | A | A | A | A |
| XXXX | 82509642 | XXXX | XXXX D | A | A | A | A D B | A | A | A | A B |
| XXXX | 85815234 | XXXX | XXXX C A | A | A | A | A C | A | A | A | A |
| XXXX | 86860762 | XXXX | XXXX D C | D | D | D | D A | A | A | A | A |
| XXXX | 89491230 | XXXX | XXXX D A | A | A | A | A D | A | A | A | A |
| XXXX | 85237538 | XXXX | XXXX D A | A | A | A | A D | A | A | A | A |
| XXXX | 82482204 | XXXX | XXXX A C | A | A | A | A C | A | A | A | A |
| XXXX | 81312513 | XXXX | XXXX D A | A | A | A | A D | A | A | A | A |
| XXXX | 85339463 | XXXX | XXXX A | A | A | A | A | A | A | A | A |
| XXXX | 89511803 | XXXX | XXXX A C | A | A | A | A C | A | A | A | A |
| XXXX | 81212824 | XXXX | XXXX A | A | A | A | A | A | A | A | A |
| XXXX | 88814940 | XXXX | XXXX C A | A | A | A | A C | A | A | A | A |
| XXXX | 86035475 | XXXX | XXXX A | A | A | A | A | A | A | A | A |
| XXXX | 80616785 | XXXX | XXXX A | A | A | A | A | A | A | A | A |
| XXXX | 81126728 | XXXX | XXXX D A | A | A | A | A D | A | A | A | A |
| XXXX | 87569240 | XXXX | XXXX D A | A | A | A | A D | A | A | A | A |
| XXXX | 85127452 | XXXX | XXXX D A | A | A | A | A D | A | A | A | A |
| XXXX | 82298352 | XXXX | XXXX C A | A | A | A | A C | A | A | A | A |
| XXXX | 87573298 | XXXX | XXXX A | A | A | A | A | A | A | A | A |
| XXXX | 82178877 | XXXX | XXXX D B | A | A | A | A D B | A | A | A | A B |
| XXXX | 83645628 | XXXX | XXXX D A | A | A | A | A D | A | A | A | A |
| XXXX | 87507336 | XXXX | XXXX A C | A | A | A | A C B | A | A | A | A B |
| XXXX | 85080571 | XXXX | XXXX A C | A | A | A | A C | A | A | A | A |
| XXXX | 82407192 | XXXX | XXXX D A | A | A | A | A D | A | A | A | A |
| XXXX | 81247134 | XXXX | XXXX D C | A | A | A | A D | A | A | A | A |
| XXXX | 85513275 | XXXX | XXXX D A | A | A | A | A D | A | A | A | A |
| XXXX | 86413740 | XXXX | XXXX D A | D | D | D | D A | A | A | A | A |
| XXXX | 80277119 | XXXX | XXXX D C | A | A | A | A D | A | A | A | A |
| XXXX | 85092407 | XXXX | XXXX D A | A | A | A | A D | A | A | A | A |
| XXXX | 85118398 | XXXX | XXXX A C | A | A | A | A C | A | A | A | A |
| XXXX | 82926250 | XXXX | XXXX D C | A | A | A | A D | A | A | A | A |
| XXXX | 88038417 | XXXX | XXXX A C | A | A | A | A C B | A | A | A | A B |
| XXXX | 85846657 | XXXX | XXXX A | A | A | A | A | A | A | A | A |
| XXXX | 85130806 | XXXX | XXXX D | A | A | A | A D B | A | A | A | A B |
| XXXX | 82597614 | XXXX | XXXX A | A | A | A | A | A | A | A | A |
| XXXX | 89790773 | XXXX | XXXX C A | A | A | A | A C | A | A | A | A |
| XXXX | 81082502 | XXXX | XXXX D A | A | A | A | A D | A | A | A | A |
| XXXX | 80654149 | XXXX | XXXX D A | A | A | A | A D | A | A | A | A |
| XXXX | 85733202 | XXXX | XXXX C A | A | A | A | A C B | A | A | A | A B |
| XXXX | 84296966 | XXXX | XXXX D A | A | A | A | A D | A | A | A | A |
| XXXX | 82594382 | XXXX | XXXX A C | A | A | A | A C | A | A | A | A |
| XXXX | 82845602 | XXXX | XXXX A | A | A | A | A | A | A | A | A |
| XXXX | 88117674 | XXXX | XXXX A | A | A | A | A | A | A | A | A |
| XXXX | 85012958 | XXXX | XXXX A C | A | A | A | A C | A | A | A | A |
| XXXX | 85424437 | XXXX | XXXX D B | A | A | A | A D B | A | A | A | A B |
| XXXX | 89208198 | XXXX | XXXX C A | A | A | A | A C | A | A | A | A |
| XXXX | 81445369 | XXXX | XXXX A | A | A | A | A | A | A | A | A |
| XXXX | 86419357 | XXXX | XXXX A C | A | A | A | A C | A | A | A | A |
| XXXX | 80847611 | XXXX | XXXX D A | A | A | A | A D | A | A | A | A |

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## Exhibit 99.2

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.2 - Schedule 5**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Co Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Borrower Award/Offer Letter** | **Co Borrower Award/Offer Letter** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower WVOE Flag** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower WVOE Flag** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Subordinate Lien 2 Type** | **Subordinate Lien 2 Max Draw Amount (HELOC)** | **Subordinate Lien 3 Type** | **Subordinate Lien 3 Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** | **Borrower 1 Trust Name** | **Borrower 2 Trust Name** | **Borrower 3 Trust Name** | **Borrower 4 Trust Name** |
| XXXX | 86805874 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/02/2025 | 12.02.25 | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 9.000% |  | XXXX | No | XXXX | XXXX | $1409.04 | $117.42 | $2064.00 | $172.00 | $2243.48 | $5146.95 | $5906.25 | N/A | XXXX | XX | $172.00 |  | Monthly | 0.00% | 49.08% | 49.08% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 0 | 0 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 1 | 0 | 1 | 0 | 1 | 1 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 57 | 34 | Work Number | Yes | 48 | 34 | Work Number | No | 0 |  | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 1 YR Personal Tax Returns Verified, 1 Month Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Wage, Overtime, Bonus - 1 YR Personal Tax Returns Verified, 1 Month Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - ["2024","2025"] - 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 724 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 36.1 | No | 70.18 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 87408193 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/02/2025 | 12.02.25 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 8.875% |  | XXXX | No | XXXX | XXXX | $2564.04 | $213.67 | $0.00 | $0.00 | $1996.34 | $5742.77 | $14088.43 | N/A |  |  | $0.00 |  |  | 0.00% | 42.10% | 42.10% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 56 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 738 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 59.69 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 81339711 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/02/2025 | 12.02.25 | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 8.875% |  | XXXX | No | XXXX | XXXX | $1756.32 | $146.36 | $0.00 | $0.00 | $3404.15 | $6386.00 | $76516.65 | N/A |  |  | $0.00 |  |  | 0.00% | 32.19% | 32.19% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 768 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 69.95 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 80591817 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/02/2025 | 12.02.25 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 8.875% |  | XXXX | No | XXXX | XXXX | $1605.24 | $133.77 | $0.00 | $0.00 | $1835.00 | $3236.11 | $37755.51 | N/A |  |  | $0.00 |  |  | 0.00% | 37.89% | 37.89% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA | N/A | N/A | 0 | Yes | 12 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower | Borrower - ["2025","2024"] - 2025, 2024 \|\| Co Borrower | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 778 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 15.6 | No | 69.42 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 88252267 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/02/2025 | 12.02.25 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 8827 | 11/17/2025 | 6.230% | Manual Underwriting |  | No | 10.758% |  | 10.375% |  | XXXX | No | XXXX | XXXX | $1463.52 | $121.96 | $0.00 | $0.00 | $1681.16 | $5261.08 | $15562.52 | N/A |  |  | $0.00 |  |  | 0.00% | 41.78% | 41.78% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 50 | 35 | Other |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Other REO Net Rental Income(Loss) - Written VOE Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - ["2025","2024","2023"] - 2025, 2024, 2023 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 715 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 79.99 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 88759455 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/02/2025 | 12.02.25 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 5375 | 12/08/2025 | 6.220% | Manual Underwriting |  | No | 9.398% |  | 9.125% |  | XXXX | No | XXXX | XXXX | $1975.56 | $164.63 | $1308.00 | $109.00 | $2053.72 | $5136.11 | $6552.89 | N/A | XXXX | XX | $109.00 |  | Monthly | 0.00% | 47.57% | 47.57% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 7 | 7 | Other |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 1 YR W2 1099 Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 739 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 79.98 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 89088275 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/02/2025 | 12.02.25 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 5575 | 12/08/2025 | 6.220% | Manual Underwriting |  | No | 8.462% |  | 7.875% |  | XXXX | No | XXXX | XXXX | $1476.00 | $123.00 | $0.00 | $0.00 | $1146.58 | $2689.01 | $3397.43 | N/A |  |  | $0.00 |  |  | 0.00% | 44.18% | 44.18% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 1 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025","2024"] - 2025, 2024 | Borrower - 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 701 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 43.53 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 89709288 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2025 | 12.02.25 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 8305 | 01/05/2026 | 6.190% | Manual Underwriting | Manual Underwriting | No | 9.194% |  | 8.875% |  | XXXX | No | XXXX | XXXX | $3798.96 | $316.58 | $1920.00 | $160.00 | $3271.60 | $7101.85 | $10670.16 | N/A | XXXX | XX | $160.00 | 03/01/2026 | Monthly | 0.00% | 43.98% | 43.98% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 1 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation, Other REO Net Rental Income(Loss), SSI and Disability, Retirement - CPA Letter Verified, YTD Profit And Loss Verified, 1 YR W2 1099 Verified, Lease Agreements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 714 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 74.84 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | 87170745 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/02/2025 | 12.02.25 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 4220 | 12/22/2025 | 6.250% | Manual Underwriting |  | No | 8.628% |  | 8.250% |  | XXXX | No | XXXX | XXXX | $4775.04 | $397.92 | $0.00 | $0.00 | $2398.00 | $4617.77 | $7678.06 | N/A |  |  | $0.00 |  |  | 0.00% | 37.58% | 37.58% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 84 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation - CPA Letter Verified, YTD Profit And Loss Verified - ["2025"] - 2025 | Borrower - ["2025"] - 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 783 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen |  |  | Form I-551 Permanent Resident Card |  | XXXX |  |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 62.88 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 89932839 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/02/2025 | 12.02.25 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 7020 | 12/15/2025 | 6.270% | Manual Underwriting |  | No | 9.477% |  | 8.875% |  | XXXX | No | XXXX | XXXX | $1519.68 | $126.64 | $0.00 | $0.00 | $1510.65 | $3367.34 | $12806.23 | N/A |  |  | $0.00 |  |  | 0.00% | 48.56% | 48.56% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 48 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2025"] - 2025 | Borrower - ["2025"] - 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 687 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 53.89 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | 81562397 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/02/2025 | 12.02.25 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 5900 | 01/05/2026 | 6.180% | Manual Underwriting |  | No | 10.054% |  | 9.875% |  | XXXX | No | XXXX | XXXX | $1524.48 | $127.04 | $0.00 | $0.00 | $2416.54 | $7222.38 | $23942.27 | N/A |  |  | $0.00 |  |  | 0.00% | 32.00% | 32.00% | No | No |  |  |  |  |  |  | Not Employed | Self-Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  | 100.00% |  | N/A | 0 | N/A | Third-Party Prepared (Unaudited) | CPA | 12 | NA | 0 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] - 2025, 2024 | Borrower \|\| Co Borrower - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 672 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 54.85 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | 88516942 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2025 | 12.02.25 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 12875 | 01/12/2026 | 6.170% | Manual Underwriting | Manual Underwriting | No | 10.876% |  | 10.375% |  | XXXX | No | XXXX | XXXX | $1865.04 | $155.42 | $0.00 | $0.00 | $3082.91 | $7145.91 | $33103.26 | N/A |  |  | $0.00 |  |  | 0.00% | 40.28% | 40.28% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2025"] - 2025 | Borrower - ["2025"] - 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 673 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 64.84 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | 89921362 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2025 | 12.02.25 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 7075 | 01/05/2026 | 6.190% | Manual Underwriting | Manual Underwriting | No | 9.211% |  | 9.000% | 9.000% | XXXX | No | XXXX | XXXX | $1194.48 | $99.54 | $0.00 | $0.00 | $1287.46 | $5158.60 | $12362.40 | N/A |  |  | $0.00 |  |  | 0.00% | 31.32% | 31.32% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 28 | 36 | Other |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - ["2025","2024","2023"] - 2025, 2024, 2023 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 766 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 79.88 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 87614965 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2025 | 12.02.25 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 8.500% |  | XXXX | No | XXXX | XXXX | $1085.04 | $90.42 | $0.00 | $0.00 | $2108.37 | $4154.16 | $14648.73 | N/A |  |  | $0.00 |  |  | 0.00% | 35.37% | 35.37% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 72 | No |  |  | 0 | 0 |  |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - null Personal Tax Returns Verified, null Business Tax Returns Verified(), CPA Letter Verified, YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified - ["2025","2024"] - 2025, 2024 | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 790 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen |  |  |  |  | XXXX |  |  |  | I-766 Employment Authorization Document |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 69.96 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | 84782504 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2025 | 12.02.25 | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 9.750% |  | XXXX | No | XXXX | XXXX | $1454.04 | $121.17 | $0.00 | $0.00 | $1747.77 | $5335.66 | $11631.65 | N/A |  |  | $0.00 |  |  | 0.00% | 44.25% | 44.25% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 700 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 64.84 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 81924223 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2025 | 12.02.25 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 2425 | 01/26/2026 | 6.140% | Manual Underwriting | Manual Underwriting | No | 7.808% |  | 7.625% | 7.625% | XXXX | No | XXXX | XXXX | $3801.00 | $316.75 | $0.00 | $0.00 | $1597.34 | $4010.14 | $49669.42 | N/A |  |  | $0.00 |  |  | 0.00% | 10.74% | 10.74% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 791 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 43.16 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 89088051 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2025 | 12.02.25 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 2375 | 01/26/2026 | 6.140% | Manual Underwriting | Manual Underwriting | No | 8.380% |  | 8.000% | 8.000% | XXXX | No | XXXX | XXXX | $1618.20 | $134.85 | $0.00 | $0.00 | $1771.28 | $3496.35 | $18685.87 | N/A |  |  | $0.00 |  |  | 0.00% | 19.84% | 19.84% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 738 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen |  |  |  |  | XXXX |  |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 44.65 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 81264944 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2025 | 12.02.25 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 2375 | 01/26/2026 | 6.140% | Manual Underwriting |  | No | 7.924% |  | 7.875% |  | XXXX | No | XXXX | XXXX | $6938.04 | $578.17 | $0.00 | $0.00 | $2607.31 | $9669.12 | $93097.23 | N/A |  |  | $0.00 |  |  | 0.00% | 20.51% | 20.51% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2025"] - 2025 | Borrower - ["2025"] - 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 767 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 1.8 | XXXX | 78.6 | No | 63.68 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | 80570159 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2025 | 12.02.25 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 6975 | 01/26/2026 | 6.140% | Manual Underwriting | Manual Underwriting | No | 9.080% |  | 8.500% | 8.500% | XXXX | No | XXXX | XXXX | $1912.56 | $159.38 | $0.00 | $0.00 | $1844.77 | $3994.99 | $19114.84 | N/A |  |  | $0.00 |  |  | 0.00% | 40.02% | 40.02% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2026"] - 2025, 2026 | Borrower - ["2025","2026"] - 2025, 2026 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 749 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 16.23 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 85190975 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2025 | 12.02.25 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 3485 | 01/19/2026 | 6.060% | Manual Underwriting |  | No | 7.982% |  | 7.875% |  | XXXX | No | XXXX | XXXX | $4646.04 | $387.17 | $7260.00 | $605.00 | $5919.50 | $12042.17 | $43884.16 | N/A | XXXX | XX | $605.00 |  | Monthly | 0.00% | 24.71% | 24.71% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - ["2025"] - 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2025"] - 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 795 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 36 | No | 17.44 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 83565119 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2025 | 12.02.25 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 3485 | 01/19/2026 | 6.060% | Manual Underwriting |  | No | 8.748% |  | 8.625% | 8.625% | XXXX | No | XXXX | XXXX | $8123.76 | $676.98 | $6000.00 | $500.00 | $4726.41 | $11040.23 | $134352.86 | N/A | XXXX | XX | $500.00 |  | Monthly | 0.00% | 19.40% | 19.40% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 91 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2025"] - 2025 | Borrower - ["2025"] - 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 739 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 18.64 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | 81271651 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2025 | 12.02.25 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 4220 | 02/09/2026 | 6.130% | Manual Underwriting | Manual Underwriting | No | 8.553% |  | 8.125% | 8.125% | XXXX | No | XXXX | XXXX | $1035.96 | $86.33 | $0.00 | $0.00 | $803.73 | $2219.11 | $4171.89 | N/A |  |  | $0.00 |  |  | 0.00% | 35.82% | 35.82% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 44 | 25 | Other |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - Written VOE Verified - ["2024","2025","2026"] - 2024, 2025, 2026 | Borrower - ["2024","2025","2026"] - 2024, 2025, 2026 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 817 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen |  |  |  |  | XXXX |  |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 43.5 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 80756411 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2025 | 12.02.25 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 3020 | 02/16/2026 | 6.100% | Manual Underwriting | Manual Underwriting | No | 9.518% |  | 9.125% | 9.125% | XXXX | No | XXXX | XXXX | $1828.20 | $152.35 | $1800.00 | $150.00 | $1697.65 | $3597.84 | $10522.91 | N/A | XXXX | XX | $150.00 |  | Monthly | 0.00% | 29.52% | 29.52% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 300 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2026"] - 2025, 2026 | Borrower - ["2025","2026"] - 2025, 2026 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 703 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 52.9 | No | 60.98 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 83045569 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2025 | 12.02.25 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 6220 | 03/02/2026 | 5.980% | Manual Underwriting |  | No | 9.077% |  | 8.750% |  | XXXX | No | XXXX | XXXX | $1947.96 | $162.33 | $0.00 | $0.00 | $2793.31 | $6448.92 | $13356.19 | N/A |  |  | $0.00 |  |  | 0.00% | 41.98% | 41.98% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 74 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2026"] - 2025, 2026 | Borrower - ["2025","2026"] - 2025, 2026 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 765 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 84994178 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 3950 | 09/22/2025 | 5.700% | Manual Underwriting |  | No | 10.606% |  | 10.125% |  | XXXX | No | XXXX | XXXX | $2031.60 | $169.30 | $0.00 | $0.00 | $1730.94 | $4415.35 | $29436.16 | N/A |  |  | $0.00 |  |  | 0.00% | 13.04% | 13.04% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | N/A | 0 | 12 | No |  |  |  | 100.00% | 41.70% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 687 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 74.7 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 87976882 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 4710.85 | 09/08/2025 | 6.540% | Manual Underwriting |  | No | 9.592% |  | 9.125% |  | XXXX | No | XXXX | XXXX | $1509.96 | $125.83 | $0.00 | $0.00 | $1509.76 | $3177.74 | $5418.36 | N/A |  |  | $0.00 |  |  | 0.00% | 43.50% | 43.50% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 733 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 35.7 | No | 79.98 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 80543877 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/10/2025 | 9.10.25 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 6956.8 | 09/08/2025 | 6.540% | Manual Underwriting |  | No | 9.532% |  | 9.375% |  | XXXX | No | XXXX | XXXX | $1101.00 | $91.75 | $1800.00 | $150.00 | $4402.01 | $6771.31 | $13328.69 | N/A | XXXX | XX | $150.00 |  | Monthly | 0.00% | 37.28% | 37.28% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, Lease Agreements Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 756 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 53.3 | XXXX | 53.3 | No | 83.25 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 89490225 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 8780.5 | 09/29/2025 | 6.310% | Manual Underwriting |  | No | 10.039% |  | 9.875% |  | XXXX | No | XXXX | XXXX | $5569.56 | $464.13 | $0.00 | $0.00 | $2637.35 | $6673.75 | $7823.35 | N/A |  |  | $0.00 |  |  | 0.00% | 49.71% | 49.71% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 691 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 15.54 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 80939699 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 4745 | 10/06/2025 | 6.310% | Manual Underwriting |  | No | 9.513% |  | 9.375% |  | XXXX | No | XXXX | XXXX | $4202.04 | $350.17 | $2242.56 | $186.88 | $1924.60 | $4647.67 | $11582.43 | N/A | XXXX | XX | $186.88 |  | Monthly | 0.00% | 49.61% | 49.61% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 0 |  | 1 Month |  | N/A | 0 |  |  | 1 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Wage, Subject Property Net Rental Income(Loss) if NOO - 1 YR Personal Tax Returns Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 733 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 1.1 | XXXX | 1.1 | No | 55.59 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 87491375 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 2915 | 10/20/2025 | 6.240% | Manual Underwriting |  | No | 8.602% |  | 8.375% |  | XXXX | No | XXXX | XXXX | $2670.96 | $222.58 | $600.00 | $50.00 | $5433.59 | $7085.44 | $31333.78 | N/A | XXXX | XX | $50.00 |  | Monthly | 0.00% | 32.70% | 32.70% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 360 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 731 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 43.3 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | 88572497 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 995 | 10/27/2025 | 6.160% | Manual Underwriting |  | No | 8.643% |  | 8.375% |  | XXXX | No | XXXX | XXXX | $1566.24 | $130.52 | $3960.00 | $330.00 | $1072.63 | $2426.59 | $5568.49 | N/A | XXXX | XX | $330.00 | 02/01/2026 | Monthly | 0.00% | 44.10% | 44.10% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 49.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SEPartnership - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 782 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 74.4 | XXXX | 103.9 | No | 63.84 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 83932417 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 5995 | 11/03/2025 | 6.170% | Manual Underwriting |  | No | 9.632% |  | 9.250% |  | XXXX | No | XXXX | XXXX | $1755.96 | $146.33 | $0.00 | $0.00 | $5815.03 | $8789.90 | $67867.13 | N/A |  |  | $0.00 |  |  | 0.00% | 33.18% | 33.18% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SEPartnership, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 772 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 157.5 | XXXX | 180.2 | No | 79.72 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 87730933 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 4563.75 | 11/03/2025 | 5.640% | Manual Underwriting |  | No | 8.661% |  | 8.375% |  | XXXX | No | XXXX | XXXX | $6030.96 | $502.58 | $0.00 | $0.00 | $1639.11 | $3593.04 | $14224.84 | N/A |  |  | $0.00 |  |  | 0.00% | 32.99% | 32.99% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 108 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 724 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 58.53 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 84420511 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 6116.61 | 11/10/2025 | 6.260% | Manual Underwriting |  | No | 10.389% |  | 9.750% |  | XXXX | No | XXXX | XXXX | $3455.04 | $287.92 | $0.00 | $0.00 | $2878.89 | $4941.79 | $22821.92 | N/A |  |  | $0.00 |  |  | 0.00% | 24.01% | 24.01% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 734 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 17.06 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 84905660 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 13820 | 11/10/2025 | 6.260% | Manual Underwriting |  | No | 8.933% |  | 8.875% |  | XXXX | No | XXXX | XXXX | $3958.80 | $329.90 | $0.00 | $0.00 | $4275.48 | $10127.60 | $13384.57 | N/A |  |  | $0.00 |  |  | 0.00% | 47.53% | 47.53% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 36.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, SESoleProprietor, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified, Lease Agreements Verified - ["2023","2024"] - 2023, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2023","2024"] - 2023, 2024 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 702 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 64.7 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 84890449 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 3382.29 | 11/10/2025 | 6.260% | Manual Underwriting |  | No | 9.244% |  | 8.750% |  | XXXX | No | XXXX | XXXX | $1535.04 | $127.92 | $429.60 | $35.80 | $2327.67 | $3675.43 | $35542.32 | N/A | XXXX | XX | $35.80 |  | Annually | 0.00% | 19.02% | 19.02% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 700 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 77.16 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 80238285 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | QM: Safe Harbor Verified (V SH) | Yes | No | Yes | Option 3 - Underwritten to Proprietary Lender Guidelines | N/A | 3648 | 11/17/2025 | 6.230% | Manual Underwriting |  | No | 8.842% |  | 8.250% |  | XXXX | No | XXXX | XXXX | $939.00 | $78.25 | $1599.96 | $133.33 | $1467.76 | $2826.76 | $3643.69 | N/A | XXXX | XX | $133.33 | 01/01/2026 | Annually | 0.00% | 48.13% | 48.13% | No | No |  |  |  |  |  |  | Retired | Employed |  |  |  |  | 1YR Full Doc | 0 | 2 | NA | Less than 1 Month | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 3 | 2 | Yes | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 36 | 35 | Work Number | No | 0 |  |  | Borrower - SSI and Disability, SSI and Disability, Retirement, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023","2022"] - 2025, 2024, 2023, 2022 | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023","2022"] - 2025, 2024, 2023, 2022 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 741 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 66.31 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | 87304535 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 4245 | 11/17/2025 | 6.230% | Manual Underwriting |  | No | 11.216% |  | 10.625% |  | XXXX | No | XXXX | XXXX | $3734.88 | $311.24 | $0.00 | $0.00 | $1090.78 | $3016.86 | $5556.59 | N/A |  |  | $0.00 |  |  | 0.00% | 36.54% | 36.54% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 680 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 1.5 | XXXX | 1.5 | No | 66.38 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 80905972 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 1800 | 11/17/2025 | 6.230% | Manual Underwriting |  | No | 8.878% |  | 8.500% |  | XXXX | No | XXXX | XXXX | $2139.00 | $178.25 | $0.00 | $0.00 | $1173.81 | $2280.73 | $5828.59 | N/A |  |  | $0.00 |  |  | 0.00% | 43.76% | 43.76% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR 1099 | 2 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2023","2024"] - 2025, 2023, 2024 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2023","2024"] - 2025, 2023, 2024 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 719 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 21 | No | 59.03 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 80975058 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 9.625% |  | XXXX | No | XXXX | XXXX | $5790.96 | $482.58 | $1620.00 | $135.00 | $7851.88 | $11838.50 | $101717.75 | N/A | XXXX | XX | $135.00 |  | Annually | 0.00% | 24.00% | 24.00% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 780 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 28.7 | No | 78.07 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 85292099 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 8.500% |  | XXXX | No | XXXX | XXXX | $1318.44 | $109.87 | $0.00 | $0.00 | $2325.86 | $5304.96 | $22024.41 | N/A |  |  | $0.00 |  |  | 0.00% | 43.97% | 43.97% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 108 | 36 | Other | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Commission, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 783 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 69.11 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 82904768 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 9.375% |  | XXXX | No | XXXX | XXXX | $2969.04 | $247.42 | $0.00 | $0.00 | $1048.85 | $4580.14 | $15165.53 | N/A |  |  | $0.00 |  |  | 0.00% | 48.00% | 48.00% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | Less than 1 Month |  | Yes | 10 |  |  | 1 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 9 | 24 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Lease Agreements Verified, 1040 Schedule E Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 711 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 68.57 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 85860368 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 1990 | 12/01/2025 | 6.190% | Manual Underwriting |  | No | 8.157% |  | 7.875% |  | XXXX | No | XXXX | XXXX | $1563.84 | $130.32 | $0.00 | $0.00 | $1418.77 | $2683.74 | $14261.76 | N/A |  |  | $0.00 |  |  | 0.00% | 19.05% | 19.05% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 776 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 35.5 | No | 42.49 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | 82660175 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 8.750% |  | XXXX | No | XXXX | XXXX | $558.00 | $46.50 | $5232.00 | $436.00 | $1110.27 | $3040.76 | $8998.54 | Yes | XXXX | XX | $436.00 |  | Monthly | 0.00% | 49.98% | 49.98% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 83.10% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 752 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0.4 | XXXX | 29.9 | No | 66.37 | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 82239957 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 2590 | 12/01/2025 | 6.190% | Manual Underwriting |  | No | 8.225% |  | 8.125% |  | XXXX | No | XXXX | XXXX | $3296.04 | $274.67 | $0.00 | $0.00 | $8263.50 | $13132.34 | $27238.60 | N/A |  |  | $0.00 |  |  | 0.00% | 41.03% | 41.03% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 0.00% | 85.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 91 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 784 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | 86380857 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 3995 | 12/01/2025 | 6.190% | Manual Underwriting |  | No | 8.861% |  | 8.375% |  | XXXX | No | XXXX | XXXX | $3093.12 | $257.76 | $0.00 | $0.00 | $1031.63 | $3192.53 | $20374.47 | N/A |  |  | $0.00 |  |  | 0.00% | 35.68% | 35.68% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 82 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SECorporation - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 709 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 65.83 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 86558153 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 3745 | 12/01/2025 | 6.190% | Manual Underwriting | Manual Underwriting | No | 8.210% |  | 8.125% | 8.125% | XXXX | No | XXXX | XXXX | $1359.00 | $113.25 | $0.00 | $0.00 | $4795.87 | $8126.66 | $16510.66 | N/A |  |  | $0.00 |  |  | 0.00% | 43.44% | 43.44% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 2 | 0 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 14.83% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Wage, SESoleProprietor, SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Wage - 1 Month Paystubs Verified - ["2023","2024","2025","2026"] - 2023, 2024, 2025, 2026 | Borrower - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - ["2023","2024","2025","2026"] - 2023, 2024, 2025, 2026 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 787 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 71.73 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 80719562 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 9245 | 12/01/2025 | 6.190% | Manual Underwriting |  | No | 9.221% |  | 9.125% |  | XXXX | No | XXXX | XXXX | $4668.00 | $389.00 | $0.00 | $0.00 | $1653.78 | $5195.97 | $23047.26 | N/A |  |  | $0.00 |  |  | 0.00% | 40.62% | 40.62% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 717 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 62.45 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 81419688 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 1313 | 12/15/2025 | 6.270% | Manual Underwriting |  | No | 9.491% |  | 9.250% |  | XXXX | No | XXXX | XXXX | $2547.48 | $212.29 | $0.00 | $0.00 | $3251.13 | $4767.54 | $18008.65 | N/A |  |  | $0.00 |  |  | 0.00% | 26.58% | 26.58% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 797 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 2.3 | XXXX | 16.3 | No | 74.2 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 81689133 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 9.125% |  | XXXX | No | XXXX | XXXX | $2691.00 | $224.25 | $0.00 | $0.00 | $948.61 | $3256.90 | $12376.32 | N/A |  |  | $0.00 |  |  | 0.00% | 49.99% | 49.99% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 1 | 1 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 4 | 4 | FNMA 1005 | No | 0 |  |  | Borrower - Wage, Wage, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025","2024"] - 2025, 2024 | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 723 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 49.6 | No | 75.3 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 89005118 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 15978 | 12/15/2025 | 6.270% | Manual Underwriting |  | No | 8.533% |  | 8.500% |  | XXXX | No | XXXX | XXXX | $10479.00 | $873.25 | $95.04 | $7.92 | $4007.96 | $10046.49 | $52272.84 | N/A | XXXX | XX | $7.92 |  | Annually | 0.00% | 23.88% | 23.88% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 397 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 792 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 3.1 | XXXX | 15.9 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 83114760 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 4808.89 | 12/15/2025 | 6.270% | Manual Underwriting |  | No | 8.638% |  | 8.500% |  | XXXX | No | XXXX | XXXX | $4311.36 | $359.28 | $1056.00 | $88.00 | $3381.52 | $5148.50 | $21578.81 | N/A | XXXX | XX | $88.00 |  | Monthly | 0.00% | 27.59% | 27.59% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 75 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - ["2025","2024","2023"] - 2025, 2024, 2023 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 805 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 27.4 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 85081584 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 4548.5 | 12/15/2025 | 6.270% | Manual Underwriting |  | No | 9.765% |  | 9.375% |  | XXXX | No | XXXX | XXXX | $4764.96 | $397.08 | $174.96 | $14.58 | $1808.93 | $3324.13 | $9910.11 | N/A | XXXX | XX | $14.58 |  | Annually | 0.00% | 47.44% | 47.44% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 10 | 10 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Other, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, Award Letter Verified - ["2023","2024"] - 2023, 2024 | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024"] - 2023, 2024 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 715 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 72.97 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 80580320 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 9.125% |  | XXXX | No | XXXX | XXXX | $6048.84 | $504.07 | $4920.00 | $410.00 | $2076.18 | $5400.77 | $13643.94 | N/A | XXXX | XX | $410.00 |  | Monthly | 0.00% | 49.87% | 49.87% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - Business Bank Statements Verified, Lease Agreements Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 729 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 6 | XXXX | 6 | No | 72.08 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 84320197 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 4029.16 | 12/22/2025 | 6.250% | Manual Underwriting | Manual Underwriting | No | 9.656% |  | 9.125% | 9.125% | XXXX | No | XXXX | XXXX | $6872.04 | $572.67 | $0.00 | $0.00 | $2695.83 | $5395.56 | $63175.97 | N/A |  |  | $0.00 |  |  | 0.00% | 11.87% | 11.87% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 792 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0.2 | XXXX | 22.6 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 84804652 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 4994 | 12/29/2025 | 6.250% | Manual Underwriting | Manual Underwriting | No | 8.735% |  | 8.625% | 8.625% | XXXX | No | XXXX | XXXX | $1900.44 | $158.37 | $1539.96 | $128.33 | $1104.26 | $3022.57 | $4666.22 | N/A | XXXX | XX | $128.33 |  | Annually | 0.00% | 39.31% | 39.31% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 263 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Personal Bank Statements Verified - ["2025"] - 2025 | Borrower - ["2025"] - 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 781 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0.8 | XXXX | 0.8 | No | 79.41 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 87435480 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 14640 | 12/29/2025 | 6.250% | Manual Underwriting | Manual Underwriting | No | 8.090% |  | 7.875% | 7.875% | XXXX | No | XXXX | XXXX | $8019.00 | $668.25 | $0.00 | $0.00 | $7378.07 | $16265.96 | $62430.79 | N/A |  |  | $0.00 |  |  | 0.00% | 36.88% | 36.88% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 156 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership, SEPartnership, SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower | Borrower - ["2024","2025"] - 2024, 2025 \|\| Co Borrower | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 754 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 45.1 | No | 57.13 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 85023500 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 6595 | 01/05/2026 | 6.180% | Manual Underwriting | Manual Underwriting | No | 8.915% |  | 8.625% | 8.625% | XXXX | No | XXXX | XXXX | $1706.04 | $142.17 | $0.00 | $0.00 | $1919.12 | $5003.46 | $15192.39 | N/A |  |  | $0.00 |  |  | 0.00% | 33.67% | 33.67% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp - CPA Letter Verified, 3 YRS Executed 4506T Verified, Personal Bank Statements Verified, null Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 784 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 35.4 | No | 79.92 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 83113568 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 6766 | 01/12/2026 | 6.170% | Manual Underwriting | Manual Underwriting | No | 9.241% |  | 9.125% | 9.125% | XXXX | No | XXXX | XXXX | $1390.92 | $115.91 | $6984.00 | $582.00 | $1218.24 | $4409.06 | $34070.07 | Yes | XXXX | XX | $582.00 |  | Monthly | 0.00% | 23.16% | 23.16% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 144 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 732 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 37.8 | XXXX | 95 | No | 74.99 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | 87956071 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 2063 | 01/12/2026 | 6.170% | Manual Underwriting | Manual Underwriting | No | 8.980% |  | 8.625% | 8.625% | XXXX | No | XXXX | XXXX | $2607.00 | $217.25 | $0.00 | $0.00 | $769.00 | $1815.61 | $3261.27 | N/A |  |  | $0.00 |  |  | 0.00% | 49.68% | 49.68% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 30.31% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Business Bank Statements Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - SECorporation, Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 717 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 10.5 | No | 25.16 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 85261839 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 6195 | 01/12/2026 | 6.170% | Manual Underwriting | Manual Underwriting | No | 9.038% |  | 8.875% | 8.875% | XXXX | No | XXXX | XXXX | $9706.92 | $808.91 | $0.00 | $0.00 | $2725.52 | $6158.40 | $24910.20 | N/A |  |  | $0.00 |  |  | 0.00% | 26.08% | 26.08% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp - 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025"] - 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2025"] - 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 745 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 4.8 | XXXX | 4.8 | No | 76.17 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 88998298 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 9333 | 01/12/2026 | 6.170% | Manual Underwriting | Manual Underwriting | No | 12.155% |  | 11.750% | 11.750% | XXXX | No | XXXX | XXXX | $5120.52 | $426.71 | $0.00 | $0.00 | $7831.21 | $12864.24 | $68887.22 | N/A |  |  | $0.00 |  |  | 24.03% | 24.03% | 24.03% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 33.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 701 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 84.56 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 89275724 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 8104 | 01/12/2026 | 6.170% | Manual Underwriting | Manual Underwriting | No | 8.255% |  | 8.125% | 8.125% | XXXX | No | XXXX | XXXX | $3089.28 | $257.44 | $159.96 | $13.33 | $2412.95 | $6215.25 | $35194.40 | N/A | XXXX | XX | $13.33 |  | Annually | 0.00% | 26.34% | 26.34% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 90.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SEPartnership - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025"] - 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2025"] - 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 768 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 47.08 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 87363366 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2025 | 12.02.25 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 3480.8 | 10/27/2025 | 5.660% | Manual Underwriting | Manual Underwriting | No | 8.390% |  | 8.250% | 8.250% | XXXX | No | XXXX | XXXX | $4642.08 | $386.84 | $4236.00 | $353.00 | $5020.17 | $10098.96 | $10896.79 | N/A | XXXX | XX | $353.00 |  | Monthly | 0.00% | 49.67% | 49.67% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 91.34% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 120 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, SESoleProprietor, Child Support - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 773 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 55.46 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | 87150104 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 9.875% |  | XXXX | No | XXXX | XXXX | $1532.04 | $127.67 | $0.00 | $0.00 | $2134.19 | $4456.84 | $114416.37 | N/A |  |  | $0.00 |  |  | 0.00% | 8.75% | 8.75% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  |  | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SEPartnership, Subject Property Net Rental Income(Loss) if NOO - null CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2026","2025"] - 2026, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2026","2025"] - 2026, 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 703 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 35.5 | No | 74.93 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 84869028 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 4710 | 01/26/2026 | 6.140% | Manual Underwriting | Manual Underwriting | No | 9.486% |  | 9.125% | 9.125% | XXXX | No | XXXX | XXXX | $1155.00 | $96.25 | $0.00 | $0.00 | $608.94 | $2282.72 | $13950.59 | N/A |  |  | $0.00 |  |  | 0.00% | 24.38% | 24.38% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 722 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 7.7 | XXXX | 77.6 | No | 76.91 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 87414513 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2025 | 12.02.25 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 10.250% |  | XXXX | No | XXXX | XXXX | $10503.00 | $875.25 | $499.92 | $41.66 | $7661.32 | $11082.32 |  | N/A | XXXX | XX | $41.66 |  | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.331 | 1.257 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 739 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 11.87 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 84627454 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/02/2025 | 12.02.25 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 8945 | 12/08/2025 | 6.220% | Manual Underwriting | Manual Underwriting | No | 8.497% |  | 8.250% | 8.250% | XXXX | No | XXXX | XXXX | $13033.08 | $1086.09 | $0.00 | $0.00 | $2840.74 | $10180.80 | $28287.94 | N/A |  |  | $0.00 |  |  | 0.00% | 37.28% | 37.28% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 762 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 73.3 | No | 44.39 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | 83909961 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/18/2025 | 1 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 9.000% |  | XXXX | No | XXXX | XXXX | $2229.48 | $185.79 | $0.00 | $0.00 | $1205.71 | $3348.10 | $13172.85 | N/A |  |  | $0.00 |  |  | 0.00% | 39.71% | 39.71% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | Yes | 3 | 0 | 0 | 0 | 0 | 3 | 3 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO, Overtime - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 722 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 79.54 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 87621953 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2025 | 12.02.25 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 4929.4 | 01/19/2026 | 6.060% | Manual Underwriting | Manual Underwriting | No | 8.889% |  | 8.375% | 8.375% | XXXX | No | XXXX | XXXX | $2457.84 | $204.82 | $0.00 | $0.00 | $1941.60 | $4057.85 | $5754.83 | N/A |  |  | $0.00 |  |  | 0.00% | 46.61% | 46.61% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 49.70% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 84 | No | 0 | NA | 0 | 0 | N/A | Yes | 216 | 216 | FNMA 1005 | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2025","2026"] - 2025, 2026 \|\| Co Borrower - Wage, Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025","2026"] - 2023, 2024, 2025, 2026 | Borrower - ["2025","2026"] - 2025, 2026 \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025","2026"] - 2023, 2024, 2025, 2026 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 740 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 9.4 | No | 69.43 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 80013901 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/10/2025 | 9.10.25 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 9.625% |  | XXXX | No | XXXX | XXXX | $803.16 | $66.93 | $0.00 | $0.00 | $2962.49 | $5825.86 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.013 |  |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 729 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 39 | No | 62.98 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 81051363 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2025 | 12.02.25 | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 11.375% |  | XXXX | No | XXXX | XXXX | $6236.52 | $519.71 | $0.00 | $0.00 | $2756.46 | $6643.41 | $14483.01 | N/A |  |  | $0.00 |  |  | 0.00% | 41.57% | 41.57% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO, Wage, Overtime - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 1 YR Executed 4506T Verified - ["2024","2025","2026"] - 2024, 2025, 2026 \|\| Co Borrower - Wage, Overtime - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 1 YR Executed 4506T Verified - ["2024","2025","2026"] - 2024, 2025, 2026 | Borrower - 1 YR Executed 4506T Verified - ["2024","2025","2026"] - 2024, 2025, 2026 \|\| Co Borrower - 1 YR Executed 4506T Verified - ["2024","2025","2026"] - 2024, 2025, 2026 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 700 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 74.95 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 86136384 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/10/2025 | 9.10.25 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 0 | 10/20/2025 | 6.240% | Manual Underwriting |  | No | 8.515% |  | 8.500% |  | XXXX | No | XXXX | XXXX | $5137.92 | $428.16 | $16599.96 | $1383.33 | $21895.85 | $30471.43 | $158055.64 | N/A | XXXX | XX | $1383.33 |  | Annually | 0.00% | 24.26% | 24.26% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  | Stocks/Bonds,Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A |  |  |  | Yes | 144 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 769 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 32.5 | XXXX | 32.5 | No | 68.37 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 88555279 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/02/2025 | 12.02.25 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 7345 | 12/01/2025 | 6.190% | Manual Underwriting |  | No | 8.705% |  | 8.375% |  | XXXX | No | XXXX | XXXX | $1671.00 | $139.25 | $1680.00 | $140.00 | $2406.38 | $5928.79 | $26670.02 | N/A | XXXX | XX | $140.00 |  | Monthly | 0.00% | 32.57% | 32.57% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 60 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - [] | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - [] | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 763 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 60.07 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 85911887 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2025 | 12.02.25 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 8.875% |  | XXXX | No | XXXX | XXXX | $7611.60 | $634.30 | $0.00 | $0.00 | $4367.09 | $7074.62 | $26066.01 | N/A |  |  | $0.00 |  |  | 0.00% | 34.86% | 34.86% | Yes | Yes |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | 2+ Months | NA | Yes | 12 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 60 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - Asset Depletion - 2 YRS Executed 4506T Verified - ["2025"] - 2025 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2025"] - 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 721 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 216 | XXXX | 231.8 | No | 53.25 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  | XXXX |  |  |
| XXXX | 87579069 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2025 | 12.02.25 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 14195 | 01/19/2026 | 6.060% | Manual Underwriting | Manual Underwriting | No | 9.266% |  | 8.875% | 8.875% | XXXX | No | XXXX | XXXX | $683.04 | $56.92 | $0.00 | $0.00 | $2682.52 | $7811.61 | $30635.39 | N/A |  |  | $0.00 |  |  | 0.00% | 22.17% | 22.17% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2025"] - 2025 | Borrower - ["2025"] - 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 774 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 1.8 | XXXX | 9.2 | No | 58.15 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 82165009 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2025 | 12.02.25 | XXXX | QM: Higher Priced APOR (APOR HP) | Yes | No | No | N/A | N/A | 2890 | 02/16/2026 | 5.880% | Manual Underwriting | Manual Underwriting | No | 10.217% |  | 9.500% | 9.500% | XXXX | No | XXXX | XXXX | $4485.00 | $373.75 | $4308.00 | $359.00 | $16067.06 | $20305.88 | $37553.78 | N/A | XXXX | XX | $359.00 |  | Monthly | 0.00% | 37.41% | 37.41% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2025"] - 2025 | Borrower - ["2025"] - 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 777 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 79.99 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 80314630 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2025 | 12.02.25 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 9.375% |  | XXXX | No | XXXX | XXXX | $1262.04 | $105.17 | $0.00 | $0.00 | $8228.10 | $10891.30 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.077 | 1.012 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 770 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 66.82 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 82509642 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/02/2025 | 12.02.25 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 12046 | 02/16/2026 | 6.100% | Manual Underwriting | Manual Underwriting | No | 10.013% |  | 9.625% | 9.625% | XXXX | No | XXXX | XXXX | $2724.96 | $227.08 | $0.00 | $0.00 | $8697.05 | $14347.29 | $31680.57 | N/A |  |  | $0.00 |  |  | 0.00% | 32.33% | 32.33% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 1YR Business P&L | 0 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 50.00% | 0.00% |  | Third-Party Prepared (Unaudited) | 12 | CPA | N/A | N/A | 0 | Yes | 12 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SECorporation - CPA Letter Verified, YTD Profit And Loss Verified - ["2025"] - 2025 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - ["2024","2025","2026"] - 2024, 2025, 2026 | Borrower - ["2025"] - 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2024","2025","2026"] - 2024, 2025, 2026 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 756 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 28.7 | No | 75 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 85815234 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2025 | 12.02.25 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 9.250% |  | XXXX | No | XXXX | XXXX | $1581.96 | $131.83 | $0.00 | $0.00 | $1745.23 | $3283.94 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1 | 1 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 773 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 27.5 | No | 62.7 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 86860762 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 3 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 12858.66 | 08/11/2025 | 6.630% | Manual Underwriting |  | No | 9.278% |  | 9.000% |  | XXXX | No | XXXX | XXXX | $2055.00 | $171.25 | $0.00 | $0.00 | $5405.77 | $11745.23 | $50499.62 | N/A |  |  | $0.00 |  |  | 0.00% | 18.87% | 18.87% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 760 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A |  |  |  | XXXX |  |  |  | Other |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 1.4 | XXXX | 50 | No | 79.91 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 89491230 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/02/2025 | 12.02.25 | XXXX | Non-QM: Lender documented all ATR UW factors | No | No | No | N/A | APOR Threshold | 6392.5 | 11/24/2025 | 6.260% | Manual Underwriting |  | No | 10.112% |  | 9.875% |  | XXXX | No | XXXX | XXXX | $2913.00 | $242.75 | $0.00 | $0.00 | $5110.00 | $8106.12 | $24665.14 | N/A |  |  | $0.00 |  |  | 0.00% | 44.21% | 44.21% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | NA |  | N/A | 0 |  |  | 2 | 2 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 10 | Tax Preparer |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SEPartnership, SEPartnership, SEPartnership, Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1065, K1, 1120S), YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2023","2025"] - 2024, 2023, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1065, K1, 1120S), 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2023","2025"] - 2024, 2023, 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 699 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 12.79 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 85237538 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2025 | 12.02.25 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 6245 | 01/19/2026 | 6.060% | Manual Underwriting | Manual Underwriting | No | 8.460% |  | 8.375% | 8.375% | XXXX | No | XXXX | XXXX | $4128.24 | $344.02 | $0.00 | $0.00 | $2074.47 | $4844.01 | $9376.13 | N/A |  |  | $0.00 |  |  | 0.00% | 48.22% | 48.22% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 338 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESCorp, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 766 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 61.1 | No | 32.12 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | 82482204 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/02/2025 | 12.02.25 | XXXX | QM: Safe Harbor Verified (V SH) | Yes | No | Yes | Option 3 - Underwritten to Proprietary Lender Guidelines | N/A | 9745 | 12/08/2025 | 6.220% | Manual Underwriting |  | No | 7.888% |  | 7.750% |  | XXXX | No | XXXX | XXXX | $10722.84 | $893.57 | $0.00 | $0.00 | $7957.73 | $13528.98 | $37207.19 | N/A |  |  | $0.00 |  |  | 0.00% | 37.65% | 37.65% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | NA |  | N/A | 0 |  |  | 2 | 2 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S), CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S), 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 777 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 62.87 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 81312513 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/02/2025 | 12.02.25 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 4740 | 12/15/2025 | 6.270% | Manual Underwriting |  | No | 9.168% |  | 8.500% |  | XXXX | No | XXXX | XXXX | $2884.32 | $240.36 | $0.00 | $0.00 | $3395.98 | $4930.01 | $8575.62 | N/A |  |  | $0.00 |  |  | 0.00% | 39.70% | 39.70% | No | No |  |  |  |  |  |  | Retired | Not Employed |  |  |  |  | 1YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | Yes | NA | No | No | 0 | No | Yes | N/A | 2 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Retirement, Retirement, Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Award Letter Verified, Personal Bank Statements Verified - ["2025"] - 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified - ["2025"] - 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 727 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 77.03 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 85339463 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/02/2025 | 12.02.25 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 1990 | 12/01/2025 | 6.190% | Manual Underwriting |  | No | 8.851% |  | 8.750% |  | XXXX | No | XXXX | XXXX | $2376.00 | $198.00 | $900.00 | $75.00 | $1749.66 | $4967.37 | $9521.53 | N/A | XXXX | XX | $75.00 |  | Monthly | 0.00% | 49.53% | 49.53% | No | No |  |  |  |  |  |  | Self-Employed | Retired |  |  |  |  | 12 Month Bank Statement | 0 | 1 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | Yes | Yes | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 54.42% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 36 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Retirement, SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Award Letter Verified, Business Bank Statements Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - Retirement, Retirement - 1 YR W2 1099 Verified, 2 YRS Executed 4506T Verified, Award Letter Verified - ["2025","2024"] - 2025, 2024 | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 702 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 35.7 | No | 67.07 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 89511803 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/02/2025 | 12.02.25 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 4214.38 | 12/15/2025 | 6.270% | Manual Underwriting |  | No | 12.840% |  | 12.375% |  | XXXX | No | XXXX | XXXX | $1271.04 | $105.92 | $0.00 | $0.00 | $1008.07 | $2927.18 | $19066.25 | N/A |  |  | $0.00 |  |  | 0.00% | 15.33% | 15.33% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 733 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen |  | Employment Authorization Card |  |  | XXXX | XXXX |  |  | I-766 Employment Authorization Document |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 49.6 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 81212824 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/02/2025 | 12.02.25 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 1990 | 12/15/2025 | 6.270% | Manual Underwriting |  | No | 8.682% |  | 8.500% |  | XXXX | No | XXXX | XXXX | $2201.40 | $183.45 | $0.00 | $0.00 | $2147.43 | $4311.29 | $18736.83 | N/A |  |  | $0.00 |  |  | 0.00% | 25.72% | 25.72% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 22 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 780 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 52.54 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | 88814940 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2025 | 12.02.25 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 995 | 12/15/2025 | 6.270% | Manual Underwriting |  | No | 8.576% |  | 8.500% |  | XXXX | No | XXXX | XXXX | $2912.52 | $242.71 | $0.00 | $0.00 | $2513.74 | $6058.04 | $11869.37 | N/A |  |  | $0.00 |  |  | 0.00% | 44.04% | 44.04% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Personal Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 754 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 4.4 | No | 79.93 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 86035475 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2025 | 12.02.25 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 2745 | 01/05/2026 | 6.190% | Manual Underwriting | Manual Underwriting | No | 8.484% |  | 8.250% | 8.250% | XXXX | No | XXXX | XXXX | $2111.64 | $175.97 | $1984.20 | $165.35 | $2572.34 | $4517.72 | $7892.95 | N/A | XXXX | XX | $165.35 |  | Monthly | 0.00% | 36.40% | 36.40% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 801 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 5.4 | XXXX | 5.4 | No | 73.23 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | 80616785 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2025 | 12.02.25 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 7445 | 01/12/2026 | 6.170% | Manual Underwriting |  | No | 9.038% |  | 8.500% | 8.500% | XXXX | No | XXXX | XXXX | $1643.64 | $136.97 | $0.00 | $0.00 | $1379.34 | $3532.55 | $5999.28 | N/A |  |  | $0.00 |  |  | 0.00% | 46.36% | 46.36% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2025"] - 2025 | Borrower - ["2025"] - 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 771 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 67.05 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 81126728 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/02/2025 | 12.02.25 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 12245 | 12/01/2025 | 6.190% | Manual Underwriting |  | No | 8.280% |  | 8.250% |  | XXXX | No | XXXX | XXXX | $6140.52 | $511.71 | $0.00 | $0.00 | $19908.07 | $27715.63 | $225218.07 | N/A |  |  | $0.00 |  |  | 0.00% | 17.10% | 17.10% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 41.90% |  |  | N/A | 0 | N/A |  |  |  | Yes | 144 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 753 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 67.83 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 87569240 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/02/2025 | 12.02.25 | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 8.375% |  | XXXX | No | XXXX | XXXX | $2475.96 | $206.33 | $0.00 | $0.00 | $2738.18 | $5568.96 | $8740.61 | N/A |  |  | $0.00 |  |  | 0.00% | 48.39% | 48.39% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 175 | 35 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Overtime, Commission, Subject Property Net Rental Income(Loss) if NOO - 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 790 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 1.9 | No | 63.5 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 85127452 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/02/2025 | 12.02.25 | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 8.625% |  | XXXX | No | XXXX | XXXX | $1261.20 | $105.10 | $5592.00 | $466.00 | $911.42 | $3082.19 | $12632.03 | N/A | XXXX | XX | $466.00 |  | Monthly | 0.00% | 48.13% | 48.13% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 36 | 36 | FNMA 1005 | Yes | 36 | 36 | FNMA 1005 | No | 0 |  |  | Borrower - Wage, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - Wage, Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 762 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 74.1 | No | 39.72 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 82298352 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/02/2025 | 12.02.25 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 9.250% |  | XXXX | No | XXXX | XXXX | $3912.00 | $326.00 | $0.00 | $0.00 | $9272.98 | $12767.77 | $226413.61 | N/A |  |  | $0.00 |  |  | 0.00% | 16.66% | 16.66% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 41.90% |  |  | N/A | 0 | N/A |  |  |  | Yes | 147 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SEPartnership, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 753 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 1.7 | XXXX | 1.7 | No | 79.97 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 87573298 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2025 | 12.02.25 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 995 | 12/15/2025 | 6.270% | Manual Underwriting | Manual Underwriting | No | 9.187% |  | 9.000% | 9.000% | XXXX | No | XXXX | XXXX | $2487.48 | $207.29 | $0.00 | $0.00 | $1830.40 | $3386.63 | $3747.92 | N/A |  |  | $0.00 |  |  | 0.00% | 48.37% | 48.37% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 1 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 1 | NA | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 84 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Personal Bank Statements Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - Wage, Bonus - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025","2024"] - 2025, 2024 | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 737 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0.7 | XXXX | 0.7 | No | 62.98 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 82178877 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2025 | 12.02.25 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 1990 | 12/15/2025 | 6.270% | Manual Underwriting | Manual Underwriting | No | 9.068% |  | 8.875% | 8.875% | XXXX | No | XXXX | XXXX | $2321.76 | $193.48 | $635.04 | $52.92 | $2077.75 | $4486.99 | $23526.42 | N/A | XXXX | XX | $52.92 |  | Annually | 0.00% | 34.86% | 34.86% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 736 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 1.4 | XXXX | 1.4 | No | 79.96 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 83645628 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2025 | 12.02.25 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 3640 | 12/29/2025 | 6.250% | Manual Underwriting | Manual Underwriting | No | 10.258% |  | 9.875% | 9.875% | XXXX | No | XXXX | XXXX | $3182.04 | $265.17 | $0.00 | $0.00 | $2122.06 | $4053.48 | $10154.19 | N/A |  |  | $0.00 |  |  | 0.00% | 39.07% | 39.07% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 1 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 60 | 60 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 797 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 84.89 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 87507336 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2025 | 12.02.25 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 995 | 12/15/2025 | 6.270% | Manual Underwriting | Manual Underwriting | No | 7.869% |  | 7.750% | 7.750% | XXXX | No | XXXX | XXXX | $3325.20 | $277.10 | $4500.00 | $375.00 | $3294.51 | $6360.11 | $24745.63 | N/A | XXXX | XX | $375.00 | 02/01/2026 | Monthly | 0.00% | 34.47% | 34.47% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 132 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 806 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 1.2 | XXXX | 24.4 | No | 16.82 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | 85080571 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2025 | 12.02.25 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 1990 | 01/12/2026 | 5.590% | Manual Underwriting | Manual Underwriting | No | 8.574% |  | 8.375% | 8.375% | XXXX | No | XXXX | XXXX | $831.00 | $69.25 | $0.00 | $0.00 | $1266.57 | $7357.62 | $14212.05 | N/A |  |  | $0.00 |  |  | 0.00% | 36.85% | 36.85% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | Third-Party Prepared (Unaudited) | 24 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 799 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | Closed End - Fixed |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 11.2 | XXXX | 11.2 | No | 59.17 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 82407192 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2025 | 12.02.25 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 9.750% |  | XXXX | No | XXXX | XXXX | $2778.24 | $231.52 | $0.00 | $0.00 | $2671.42 | $7020.87 | $13549.24 | N/A |  |  | $0.00 |  |  | 0.00% | 47.15% | 47.15% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 2 | 2 | 1 Month | 2+ Months | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 39.09% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 60 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SECorporation, Wage, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, CPA Letter Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Business Bank Statements Verified, Lease Agreements Verified, 1040 Schedule E Verified - ["2025","2026"] - 2025, 2026 \|\| Co Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2023","2024","2025","2026"] - 2023, 2024, 2025, 2026 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2025","2026"] - 2025, 2026 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2023","2024","2025","2026"] - 2023, 2024, 2025, 2026 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 731 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 74.85 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 81247134 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2025 | 12.02.25 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 3908.75 | 01/12/2026 | 5.960% | Manual Underwriting | Manual Underwriting | No | 11.336% |  | 10.500% | 10.500% | XXXX | No | XXXX | XXXX | $967.80 | $80.65 | $3816.72 | $318.06 | $3868.63 | $5362.40 | $7764.64 | N/A | XXXX | XX | $318.06 |  | Monthly | 0.00% | 46.11% | 46.11% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 733 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 14.6 | No | 89.87 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 85513275 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2025 | 12.02.25 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 1990 | 01/26/2026 | 6.140% | Manual Underwriting | Manual Underwriting | No | 9.706% |  | 9.625% | 9.625% | XXXX | No | XXXX | XXXX | $2448.96 | $204.08 | $0.00 | $0.00 | $3136.35 | $7841.27 | $16018.70 | N/A |  |  | $0.00 |  |  | 0.00% | 32.86% | 32.86% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 755 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 86413740 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2025 | 12.02.25 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 9.250% | 9.250% | XXXX | No | XXXX | XXXX | $1634.04 | $136.17 | $0.00 | $0.00 | $1724.72 | $2904.01 | $6779.62 | N/A |  |  | $0.00 |  |  | 4.97% | 47.59% | 47.59% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  |  | 0 |  |  |  |  |  |  | 2 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Bonus, Subject Property Net Rental Income(Loss) if NOO - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, null Written VOE Verified, 2 YRS Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, Lease Agreements Verified, null 1040 Schedule E Verified - ["2024","2025"] - 2024, 2025 | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), 2 YRS Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 773 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 34.2 | No | 78.01 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 80277119 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2025 | 12.02.25 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 1990 | 01/26/2026 | 6.140% | Manual Underwriting | Manual Underwriting | No | 9.950% |  | 9.875% | 9.875% | XXXX | No | XXXX | XXXX | $2490.84 | $207.57 | $0.00 | $0.00 | $1714.61 | $6582.48 | $15664.40 | N/A |  |  | $0.00 |  |  | 0.00% | 36.51% | 36.51% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2025"] - 2025 | Borrower - ["2025"] - 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 720 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 71.1 | No | 72.05 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 85092407 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2025 | 12.02.25 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 9.500% |  | XXXX | No | XXXX | XXXX | $2132.04 | $177.67 | $2276.04 | $189.67 | $1759.55 | $4096.95 | $26176.51 | N/A | XXXX | XX | $189.67 | 04/01/2026 | Monthly | 0.00% | 40.82% | 40.82% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SECorporation, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025"] - 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2025"] - 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 715 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 36.97 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 85118398 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2025 | 12.02.25 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 995 | 01/19/2026 | 6.060% | Manual Underwriting | Manual Underwriting | No | 10.415% |  | 10.250% | 10.250% | XXXX | No | XXXX | XXXX | $1755.12 | $146.26 | $0.00 | $0.00 | $13592.49 | $17118.64 | $116094.14 | N/A |  |  | $0.00 |  |  | 0.00% | 13.12% | 13.12% | No | No |  |  |  |  |  |  | Not Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | Yes | Yes | 0 | 12 | 100.00% |  | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | Yes | 72 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 751 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 7 | No | 84.49 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 82926250 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2025 | 12.02.25 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 13182.5 | 03/02/2026 | 5.980% | Manual Underwriting | Manual Underwriting | No | 8.306% |  | 8.250% | 8.250% | XXXX | No | XXXX | XXXX | $13199.52 | $1099.96 | $3600.00 | $300.00 | $11771.01 | $19855.38 | $72415.37 | N/A | XXXX | XX | $300.00 |  | Monthly | 0.00% | 25.42% | 25.42% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 718 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 28.1 | No | 34.46 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 88038417 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2025 | 12.02.25 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 2150 | 02/02/2026 | 6.100% | Manual Underwriting | Manual Underwriting | No | 8.074% |  | 7.750% |  | XXXX | No | XXXX | XXXX | $1532.04 | $127.67 | $1032.00 | $86.00 | $1432.40 | $2606.55 | $6746.36 | N/A | XXXX | XX | $86.00 |  | Monthly | 0.00% | 30.86% | 30.86% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025","2024"] - 2025, 2024 | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 743 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 7.7 | No | 66.88 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 85846657 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/02/2025 | 12.02.25 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 1790 | 01/26/2026 | 6.140% | Manual Underwriting | Manual Underwriting | No | 7.938% |  | 7.875% | 7.875% | XXXX | No | XXXX | XXXX | $2508.00 | $209.00 | $0.00 | $0.00 | $2398.90 | $7907.27 | $15134.49 | N/A |  |  | $0.00 |  |  | 0.00% | 34.68% | 34.68% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 1YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 2 | 2 | 2 | 2 | 1 | 1 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | 100.00% |  | Borrower Prepared | 12 | Borrower | Borrower Prepared | Borrower | 12 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, SESoleProprietor, SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120, 1065), YTD Profit And Loss Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - SESoleProprietor, SESoleProprietor, SESoleProprietor - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120, 1065), YTD Profit And Loss Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120, 1065), 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120, 1065), 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 799 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0.6 | XXXX | 0.6 | No | 22.73 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | 85130806 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2025 | 12.02.25 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 1790 | 01/12/2026 | 5.960% | Manual Underwriting | Manual Underwriting | No | 8.597% |  | 8.500% | 8.500% | XXXX | No | XXXX | XXXX | $10241.40 | $853.45 | $6900.00 | $575.00 | $7488.06 | $15126.78 | $30141.70 | N/A | XXXX | XX | $575.00 | 04/01/2026 | Monthly | 0.00% | 48.62% | 48.62% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | N/A | 0 | 12 | Yes | N/A | 0 | 12 | 100.00% | 48.50% | 48.50% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 84 | Yes | 84 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SEPartnership, SEPartnership, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - SEPartnership, SEPartnership - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 787 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 25.3 | No | 57.24 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 82597614 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2025 | 12.02.25 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 11290 | 02/23/2026 | 5.990% | Manual Underwriting | Manual Underwriting | No | 9.231% |  | 8.875% | 8.875% | XXXX | No | XXXX | XXXX | $4316.04 | $359.67 | $0.00 | $0.00 | $6515.38 | $11968.01 | $18886.43 | N/A |  |  | $0.00 |  |  | 0.00% | 41.19% | 41.19% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2025"] - 2025 | Borrower - ["2025"] - 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 798 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 4.4 | XXXX | 4.4 | No | 74.95 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | 89790773 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2025 | 12.02.25 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 9.250% |  | XXXX | No | XXXX | XXXX | $1604.04 | $133.67 | $10068.00 | $839.00 | $1018.62 | $4378.11 | $96853.86 | N/A | XXXX | XX | $839.00 |  | Monthly | 0.00% | 43.38% | 43.38% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 66.46% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 180 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, SESCorp, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2025","2026"] - 2025, 2026 | Borrower - ["2025","2026"] - 2025, 2026 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 774 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 13.6 | XXXX | 13.6 | No | 74.84 | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | 81082502 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/02/2025 | 12.02.25 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 1790 | 01/26/2026 | 6.140% | Manual Underwriting | Manual Underwriting | No | 8.941% |  | 8.875% | 8.875% | XXXX | No | XXXX | XXXX | $798.00 | $66.50 | $0.00 | $0.00 | $3277.07 | $8932.87 | $155500.48 | N/A |  |  | $0.00 |  |  | 0.00% | 12.16% | 12.16% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2025"] - 2025 | Borrower - ["2025"] - 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 721 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 0 | No | 67.35 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 80654149 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2025 | 12.02.25 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 8.875% |  | XXXX | No | XXXX | XXXX | $2480.04 | $206.67 | $0.00 | $0.00 | $5571.48 | $9823.06 | $49782.33 | N/A |  |  | $0.00 |  |  | 0.00% | 47.94% | 47.94% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), SESCorp - CPA Letter Verified, Business Bank Statements Verified - ["2025","2026"] - 2025, 2026 | Borrower - ["2025","2026"] - 2025, 2026 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 777 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 43.9 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 85733202 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 09/10/2025 | 9.10.25 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 8.875% |  | XXXX | No | XXXX | XXXX | $2139.60 | $178.30 | $1452.00 | $121.00 | $2492.00 | $5346.73 | $24169.68 | N/A | XXXX | XX | $121.00 |  | Monthly | 0.00% | 30.56% | 30.56% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, Lease Agreements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 783 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 8.9 | XXXX | 8.9 | No | 72.68 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 84296966 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/02/2025 | 12.02.25 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 31852.5 | 11/10/2025 | 6.260% | Manual Underwriting |  | No | 9.129% |  | 8.875% |  | XXXX | No | XXXX | XXXX | $2879.52 | $239.96 | $2520.00 | $210.00 | $3072.00 | $10018.29 | $22394.74 | N/A | XXXX | XX | $210.00 |  | Monthly | 0.00% | 49.00% | 49.00% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 240 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 759 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0.7 | XXXX | 0.7 | No | 69.95 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | 82594382 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/03/2024 | 1 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 8413.43 | 01/05/2026 | 6.190% | Manual Underwriting | Manual Underwriting | No | 10.700% |  | 10.000% | 10.000% | XXXX | No | XXXX | XXXX | $1504.80 | $125.40 | $0.00 | $0.00 | $1842.18 | $4005.04 | $9886.76 | N/A |  |  | $0.00 |  |  | 0.00% | 37.83% | 37.83% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 120 | Yes | 12 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SEPartnership - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025"] - 2025 \|\| Co Borrower - SEPartnership - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025"] - 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2025"] - 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2025"] - 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 774 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | XXXX | 0.9 | XXXX | 15.6 | No | 85 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 82845602 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/03/2024 | 1 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 10246.9 | 11/24/2025 | 6.260% | Manual Underwriting | Manual Underwriting | No | 9.980% |  | 9.500% | 9.500% | XXXX | No | XXXX | XXXX | $1212.00 | $101.00 | $360.00 | $30.00 | $1480.23 | $4397.40 | $7235.50 | N/A | XXXX | XX | $30.00 |  | Monthly | 0.00% | 41.40% | 41.40% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 32.99% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | Yes | 24 | 24 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Wage, Wage - CPA Letter Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Business Bank Statements Verified - ["2026","2025","2024"] - 2026, 2025, 2024 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2026","2025","2024"] - 2026, 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 712 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | XXXX | 3.8 | XXXX | 7.1 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 88117674 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2025 | 12.02.25 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 6020 | 01/26/2026 | 6.140% | Manual Underwriting | Manual Underwriting | No | 11.931% |  | 11.250% | 11.250% | XXXX | No | XXXX | XXXX | $13392.12 | $1116.01 | $6372.00 | $531.00 | $7420.00 | $11658.31 | $16454.68 | N/A | XXXX | XX | $531.00 |  | Monthly | 0.00% | 44.61% | 44.61% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 97.04% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 540 | Yes | 540 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified, Lease Agreements Verified - ["2025"] - 2025 \|\| Co Borrower - SEPartnership - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified, Lease Agreements Verified - ["2025"] - 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2025"] - 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2025"] - 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 779 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 3 | XXXX | 15.7 | No | 11.53 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 85012958 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/03/2024 | 1 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 6582.5 | 02/09/2026 | 6.130% | Manual Underwriting | Manual Underwriting | No | 8.954% |  | 8.375% | 8.375% | XXXX | No | XXXX | XXXX | $2189.04 | $182.42 | $0.00 | $0.00 | $1877.29 | $3376.72 | $3506.14 | N/A |  |  | $0.00 |  |  | 0.00% | 49.06% | 49.06% | No | No |  |  |  |  |  |  | Retired | Retired |  |  |  |  | 2YR Full Doc | 2 | 0 | NA | NA | N/A | 0 | N/A | 0 | 1 | 0 | 1 | 0 | 2 | 1 | Yes | Yes | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SSI and Disability, Retirement, Other - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Award Letter Verified - ["2026","2025","2024"] - 2026, 2025, 2024 \|\| Co Borrower - SSI and Disability - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Award Letter Verified - ["2026","2025","2024"] - 2026, 2025, 2024 | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2026","2025","2024"] - 2026, 2025, 2024 \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2026","2025","2024"] - 2026, 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 700 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0.9 | XXXX | 10.9 | No | 71.22 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 85424437 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2025 | 12.02.25 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 7655 | 01/12/2026 | 6.170% | Manual Underwriting | Manual Underwriting | No | 10.170% |  | 9.750% | 9.750% | XXXX | No | XXXX | XXXX | $7829.28 | $652.44 | $0.00 | $0.00 | $2129.25 | $5896.05 | $10798.93 | N/A |  |  | $0.00 |  |  | 0.00% | 47.10% | 47.10% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025"] - 2025 \|\| Co Borrower - SEPartnership - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025"] - 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2025"] - 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2025"] - 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 790 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 0 | XXXX | 43.8 | No | 84.29 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  |
| XXXX | 89208198 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2025 | 12.02.25 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 16332 | 02/09/2026 | 6.130% | Manual Underwriting | Manual Underwriting | No | 8.370% |  | 8.125% | 8.125% | XXXX | No | XXXX | XXXX | $11814.96 | $984.58 | $0.00 | $0.00 | $19707.86 | $25450.27 | $247962.73 | N/A |  |  | $0.00 |  |  | 0.00% | 11.82% | 11.82% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Other - Business Bank Statements Verified | Borrower | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 750 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen |  |  |  |  | XXXX |  |  |  | Other |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | XXXX | 20.4 | XXXX | 20.4 | No | 70 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 81445369 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2025 | 12.02.25 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting |  | No |  |  | 8.375% |  | XXXX | No | XXXX | XXXX | $2843.04 | $236.92 | $0.00 | $0.00 | $3802.20 | $9224.55 | $24781.05 | N/A |  |  | $0.00 |  |  | 0.00% | 42.50% | 42.50% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - ["2025"] - 2025 | Borrower - ["2025"] - 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 751 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 1.9 | XXXX | 40.2 | No | 45.26 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| XXXX | 86419357 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2025 | 12.02.25 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 27274.5 | 02/02/2026 | 6.100% | Manual Underwriting | Manual Underwriting | No | 8.489% |  | 8.000% | 8.000% | XXXX | No | XXXX | XXXX | $2368.44 | $197.37 | $0.00 | $0.00 | $3794.00 | $10207.98 | $20458.81 | N/A |  |  | $0.00 |  |  | 0.00% | 37.62% | 37.62% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2026"] - 2025, 2026 \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2026"] - 2025, 2026 | Borrower - 2 YRS Executed 4506T Verified - ["2025","2026"] - 2025, 2026 \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2025","2026"] - 2025, 2026 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  | 735 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 1.5 | XXXX | 17.9 | No | 74.95 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 80847611 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 12/01/2025 | 12.02.25 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 6001.64 | 02/16/2026 | 6.100% | Manual Underwriting | Manual Underwriting | No | 12.775% |  | 12.250% | 12.250% | XXXX | No | XXXX | XXXX | $3308.04 | $275.67 | $0.00 | $0.00 | $9350.01 | $13848.60 | $30319.40 | N/A |  |  | $0.00 |  |  | 0.00% | 38.89% | 38.89% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2026","2025","2024"] - 2026, 2025, 2024 | Borrower - 2 YRS Executed 4506T Verified - ["2026","2025","2024"] - 2026, 2025, 2024 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX |  |  |  | 725 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen |  |  |  |  | XXXX |  |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | XXXX | 6.9 | XXXX | 25.6 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |

---

## Exhibit 99.2

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.2 - Schedule 6**

---

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| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXX | 86805874 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 20.41 | 70.18 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 87408193 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 27.27 | 59.69 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible |  |  |
| XXXX | 81339711 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 18.1 | 69.95 | XXXX | XXXX | -.0907 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0907 | 90.0 | 0.1 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 80591817 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 16.25 | 69.42 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 88252267 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 37.95 | 79.99 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 88759455 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 30.79 | 79.98 | XXXX | XXXX | -.0738 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0738 | 93.0 | 0.07 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 89088275 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 14.04 | 43.53 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 93.0 | 0.07 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 89709288 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 22.75 | 74.84 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX |
| XXXX | 87170745 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 15.0 | 62.88 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 89932839 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 20.99 | 53.89 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 94.0 | 0.06 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 81562397 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 29.38 | 54.85 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XXXX |
| XXXX | 88516942 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 23.49 | 64.84 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 89921362 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 55.45 | 79.88 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 87614965 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 17.11 | 69.96 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 84782504 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 29.24 | 64.84 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 81924223 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 15.87 | 43.16 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 89088051 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 9.09 | 44.65 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| XXXX | 81264944 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 46.15 | 63.68 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 80570159 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 5.56 | 16.23 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXX |
| XXXX | 85190975 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 17.44 | 69.1 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| XXXX | 83565119 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 18.64 | 53.94 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX | 81271651 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 24.19 | 43.5 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 80756411 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 14.67 | 60.98 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 83045569 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 28.35 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 84994178 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 20.0 | 74.7 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 87976882 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 25.01 | 79.98 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 93.0 | 0.07 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 80543877 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 13.22 | 83.25 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 97.0 | 0.03 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 89490225 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 15.54 | 52.73 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 80939699 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 25.58 | 55.59 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 97.0 | 0.03 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 87491375 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 3.7 | 43.3 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 88572497 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 18.75 | 63.84 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 83932417 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 15.31 | 79.72 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | 87730933 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 17.97 | 58.53 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 91.0 | 0.09 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 84420511 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 17.06 | 84.9 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | 84905660 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 22.78 | 64.7 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.7 | XXXX |
| XXXX | 84890449 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 12.81 | 77.16 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 93.0 | 0.07 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 80238285 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 13.66 | 66.31 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 97.0 | 0.03 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 87304535 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 23.64 | 66.38 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 80905972 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 16.55 | 59.03 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 93.0 | 0.07 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 80975058 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 18.98 | 78.07 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XXXX | Not Eligible | 1.5 | XXXX |
| XXXX | 85292099 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 19.24 | 69.11 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 82904768 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 42.42 | 68.57 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 85860368 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 11.0 | 42.49 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 94.0 | 0.06 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 82660175 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 29.47 | 66.37 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 95.0 | 0.05 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 82239957 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 15.24 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | 86380857 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 25.31 | 65.83 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 93.0 | 0.07 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 86558153 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 12.93 | 71.73 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 92.0 | 0.08 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 80719562 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 29.27 | 62.45 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XXXX | Not Eligible | 1.2 | XXXX |
| XXXX | 81419688 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 8.62 | 74.2 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 81689133 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 35.41 | 75.3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 93.0 | 0.07 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 89005118 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 51.89 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 83114760 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 17.17 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XXXX | Not Eligible | 1.7 | XXXX |
| XXXX | 85081584 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 14.49 | 72.97 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 97.0 | 0.03 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 80580320 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 23.26 | 72.08 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 2.7 | XXXX |
| XXXX | 84320197 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 17.18 | 85.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 93.0 | 0.07 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 84804652 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 35.63 | 79.41 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 87435480 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 22.39 | 57.13 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | XXXX | Not Eligible | 1.1 | XXXX |
| XXXX | 85023500 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 32.37 | 79.92 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 83113568 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 37.45 | 74.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 87956071 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 9.38 | 25.16 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 85261839 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 20.0 | 76.17 | XXXX | XXXX | -.0134 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0134 | 92.0 | 0.08 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | XXXX |
| XXXX | 88998298 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 19.5 | 84.56 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | XXXX | Not Eligible | 2 | XXXX |
| XXXX | 89275724 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 17.72 | 47.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 90.0 | 0.1 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 87363366 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 14.86 | 55.46 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 2.6 | XXXX |
| XXXX | 87150104 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 26.0 | 74.93 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | XXXX | Not Eligible | 1.6 | XXXX |
| XXXX | 84869028 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 50.76 | 76.91 | XXXX | XXXX | .0403 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0403 | 90.0 | 0.1 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX | 87414513 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 11.87 | 74.03 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 2.5 | XXXX |
| XXXX | 84627454 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 23.64 | 44.39 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 83909961 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 34.14 | 79.54 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 92.0 | 0.08 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 87621953 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 20.24 | 69.43 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 80013901 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 18.33 | 62.98 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 81051363 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 19.08 | 74.95 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 86136384 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 9.22 | 68.37 | XXXX | XXXX | -.0557 | 1004 URAR |  |  |  |  | XXXX | XXXX | -.0557 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | XXXX |
| XXXX | 88555279 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 21.79 | 60.07 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | XXXX | Not Eligible | 2 | XXXX |
| XXXX | 85911887 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 8.39 | 53.25 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 87579069 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 23.81 | 58.15 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 82165009 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 2.61 | 79.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 80314630 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 6.58 | 66.82 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 82509642 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 17.94 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 85815234 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 13.85 | 62.7 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 86860762 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 39.55 | 79.91 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 89491230 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 12.79 | 70.0 | XXXX | XXXX | .0333 | 1025 Small Residential Income Report |  |  |  |  | XXXX | XXXX | .0333 | XXXX | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 85237538 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 12.77 | 32.12 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 82482204 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 10.94 | 62.87 | XXXX | XXXX | -.0394 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0394 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 81312513 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 9.6 | 77.03 | XXXX | XXXX | -.0860 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0860 | 92.0 | 0.08 | XXXX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 85339463 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 29.85 | 67.07 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX |
| XXXX | 89511803 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 39.35 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 81212824 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 15.0 | 52.54 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXX |
| XXXX | 88814940 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 36.39 | 79.93 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX |
| XXXX | 86035475 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 11.27 | 73.23 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 93.0 | 0.07 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 80616785 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 28.91 | 67.05 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 94.0 | 0.06 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 81126728 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 13.04 | 67.83 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| XXXX | 87569240 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 16.12 | 63.5 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 93.0 | 0.07 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 85127452 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 26.04 | 39.72 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 94.0 | 0.06 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 82298352 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 10.65 | 79.97 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 87573298 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 14.37 | 62.98 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 90.0 | 0.1 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 82178877 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 27.18 | 79.96 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 92.0 | 0.08 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 83645628 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 22.14 | 84.89 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 87507336 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 5.31 | 16.82 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 90.0 | 0.1 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 85080571 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 28.72 | 59.17 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | 82407192 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 33.33 | 74.85 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 81247134 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 12.23 | 89.87 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XXXX |
| XXXX | 85513275 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 38.44 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | 86413740 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 19.59 | 78.01 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 90.0 | 0.07 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 80277119 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 41.4 | 72.05 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 85092407 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 36.97 | 74.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 94.0 | 0.06 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 85118398 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 5.0 | 84.49 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XXXX |
| XXXX | 82926250 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 17.11 | 34.46 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 88038417 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 16.11 | 66.88 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 93.0 | 0.07 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 85846657 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 22.73 | 45.36 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 2.3 | XXXX |
| XXXX | 85130806 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 12.64 | 57.24 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 | XXXX |
| XXXX | 82597614 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 18.18 | 74.95 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 89790773 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 39.14 | 74.84 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XXXX | Not Eligible | 1 | XXXX |
| XXXX | 81082502 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 28.57 | 67.35 | XXXX | XXXX | -.0429 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0429 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible |  |  |
| XXXX | 80654149 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 30.49 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | XXXX | Not Eligible | 2.5 | XXXX |
| XXXX | 85733202 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 2055 Exterior Only Inspection Report | XXXX | XXXX | XXXX | XXXX | 29.17 | 72.68 | XXXX | XXXX | -.0685 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0685 | 93.0 | 0.07 | XXXX | XXXX | XXXX | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 84296966 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 34.38 | 69.95 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 82594382 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 26.62 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 82845602 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 36.53 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 88117674 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 11.53 | 84.86 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | XXXX |
| XXXX | 85012958 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 18.99 | 71.22 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 85424437 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 32.5 | 84.29 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 89208198 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 8.46 | 70.0 | XXXX | XXXX | .0051 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0051 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 81445369 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 23.33 | 45.26 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| XXXX | 86419357 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 32.49 | 74.95 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 80847611 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 15.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |

---

## Exhibit 99.3

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.3**

![](ex993001.jpg)

**EXECUTIVE SUMMARY**

**VSTA 2026-CES2**

**<u>Description of the due diligence performed</u>**

**Overview of the assets that were reviewed**

Incenter Lender Services LLC, c/k/a Incenter Diligence Solutions ("Incenter Diligence"), performed an independent third-party due diligence review of 75 loans acquired by Vista Point Mortgage, LLC (the "Client"). The review was performed from November 2025 through April 2026, using the scope of review described herein, which was agreed to at the time of review. The results of the review performed by Incenter Diligence only reflect information concerning the related loans on which such review was performed as of the date such review was performed based on the scope of review used as of the date such review was performed and not as of any subsequent date. Incenter Diligence has not subsequently performed any review with respect to the loans, and Incenter Diligence will not be required to complete or provide any additional, new, or refreshed review or results with respect to the loans.

**Sampling of assets**

Incenter Diligence follows the nationally recognized statistical rating organizations, NRSRO(s), criteria. For all originators, Incenter Diligence performed review on 100% of the loans. The loan population was 75 loans for an aggregate original principal balance of $19,372,303.00.

The review was conducted in accordance with the following NRSRO(s) Third Party Due Diligence Criteria:

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;DBRS, Inc. | &nbsp;&nbsp;Third-Party Due-Diligence and Representations & Warranties Criteria for U.S. RMBS Transactions – September 30, 2024 |
| &nbsp;&nbsp;S&P Global Ratings | &nbsp;&nbsp;Global Methodology And Assumptions: Assessing Pools Of Residential Loans, January 25, 2019<br> Global Methodology And Assumptions: Assessing Pools Of Residential Loans – U.S. And Canada Supplement, February 21, 2025 |

---

**Data integrity, review scope and methodology**

**Data Integrity –** Incenter Diligence performed a data integrity analysis by comparing the information in the loan file against the data tape supplied by the Client to ascertain accuracy and completeness. All discrepancies are reported on the Data Comparison Report

Page **1** of **17**

![](ex993001.jpg)

The data comparison consisted of the following data fields:

---

| |
|:---|
| &nbsp;&nbsp;**Data Compare Field Name** |
| &nbsp;&nbsp;ARM Interest Data |
| &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Borrower 1 First Name |
| &nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;Borrower 2 First Name |
| &nbsp;&nbsp;Borrower 2 Last Name |
| &nbsp;&nbsp;Borrower 1 FTHB |
| &nbsp;&nbsp;Borrower 2 FTHB |
| &nbsp;&nbsp;Doc Type |
| &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;Loan Program |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Loan Type |
| &nbsp;&nbsp;Maturity Date |
| &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Original Interest Rate |
| &nbsp;&nbsp;Original Loan Amount |
| &nbsp;&nbsp;Original Loan Term |
| &nbsp;&nbsp;Original P&I |
| &nbsp;&nbsp;Originator DSCR |
| &nbsp;&nbsp;Prepayment Penalty |
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;QM Designation |
| &nbsp;&nbsp;Qualifying Appraised Value |
| &nbsp;&nbsp;Qualifying CLTV |
| &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Total DTI |
| &nbsp;&nbsp;Refinance Type |
| &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Subordinate Lien Amount |
| &nbsp;&nbsp;Underwriting Guideline Name |

---

Page **2** of **17**

![](ex993001.jpg)

**Underwriting Conformity (<u>Standard Residential Loans</u>)**

Incenter Diligence performed a complete review of all loan files, as supplied by the Client, to determine whether the loans were originated in accordance with the underwriting guidelines provided by the Client (which, for the avoidance of doubt, may be either the Client's or a third party's underwriting guidelines), eligibility requirements, Ability to Repay (ATR), Qualified Mortgage and Appendix Q requirements (where applicable), and applicable Policies & Procedures, noting any exceptions and compensating factors. The review included, where applicable, the following items:

**Conformance to Ability to Repay (ATR) standards** – Incenter Diligence reviewed each loan to validate that the underwriter correctly assessed the borrower's ability to repay based on employment and credit/repayment history, income and assets, projected monthly payment and current obligations, debt to income ratio, and other information provided to support ability to repay prior to originating the loan.

**An evaluation of Qualified Mortgage and Appendix Q requirements, if applicable** – Based on the information provided, Incenter Diligence will review each loan to determine that it satisfies all requirements for a Qualified Mortgage, if designated as such, including an evaluation of points and fees, risk factors associated with the loan terms, re-calculation of debt to income and a review of all income and assets.

**Credit, Income, Assets and Employment**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Validate
 that the appropriate employment and income documentation, such as pay stubs, tax transcripts,
 and bank statements, was provided and used to accurately qualify the borrower according
 to guidelines. Recalculate the borrower's income and debt to determine the appropriate
 debt to income ratio in accordance with the guidelines. Validate borrower's employment
 history and confirm that the appropriate income and assets were used to qualify. Make
 a reasonable assessment of whether there are any indications that income documentation
 may be fraudulent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Validate
 that assets used to qualify the borrower match the documentation in the file and the
 information used to calculate down payment, closing costs, and reserves meet program
 guideline requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. Review
 exceptions, compensating factors and underwriter comments, if available.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D. Review
 program guidelines against the loan approval for discrepancies such as:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Employment
 requirements;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Income
 requirements;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Asset
 requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;E. Review
 the loan approval against all supporting documentation and loan application to verify
 accuracy.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;F. Review
 the initial loan application against the final loan application or other loan applications
 found in the file to validate the application was signed and properly completed and to
 expose discrepancies.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;G. Confirm
 that credit report(s) and verification of mortgage or rental history, when required,
 have been provided for all borrowers/guarantors, are consistent with loan approval, and
 meet guideline requirements. Verify whether any fraud alerts are listed on the credit
 reports and make a reasonable assessment of whether the borrower's profile adheres
 to applicable guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;H. Review
 the loan file for inconsistencies based on information derived from source documentation
 provided in the loan file, for the purposes of identifying misrepresentations contained
 in the loan file, including with respect to occupancy and mortgage liabilities.

**Occupancy, Taxes, Title and Insurance**

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Review
 source documents for consistency with regard to subject property occupancy intent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Review
 the title report for possible judgments and other liens that may have existed upon origination;
 verify chain of title, as required by guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. Verify
 and validate the file contains sufficient property insurance coverage as required by
 guidelines; confirm property insurance policy contains appropriate mortgagee clause.
 For subject properties located in a Special Flood Hazard Area where flood insurance is
 required, verify and validate the file contains sufficient flood insurance coverage as
 required by guidelines and that flood insurance policy contains appropriate mortgagee
 clause.

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D. Review
 property details on appraisal including a review for ineligible properties.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;E. Verify
 that Business Purpose Affidavit and Occupancy Affidavit, if applicable, were executed
 by the borrowers/guarantors and confirm that document addresses are consistent with subject
 property address and do not match the primary residence address.

**Underwriting Conformity (<u>Business Purpose/DSCR</u>)**

For each loan, Incenter Diligence validated conformance to Client supplied and program requirements and noted any exceptions. Unless otherwise directed by the Client, no regulatory compliance review was performed.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Validate
 Conformance to Product Type and Eligibility

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Financing
 Terms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Loan
 Product

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Seasoning

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Geographic
 Requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Loan
 Amount

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. LTV/CLTV

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Transaction
 Types: Verify Conformance with Business Purpose Loan Requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Business
 Purpose Affidavit – verify signed Borrower Statement of Business Purpose is present
 in the file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Non-Owner
 Occupancy – verify Occupancy certification is present in the file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Validate
 that there is no information in the loan that contradicts occupancy type

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. Review
 Debt Service Coverage Ratio

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D. Review
 Cash Flow and Expense Factor

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;E. Review
 Hazard/Flood Insurance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;F. Review
 preliminary Title Report/Commitment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;G. Credit
 Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Validate
 documentation requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Verify
 acceptable Residency Status

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Review
 credit reports used to qualify borrower, as well as consumer credit history/charge offs/collections,
 and cite any exceptions or unusual findings

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Evaluate
 credit scores and tradelines against guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Evaluate
 other debt obligations (alimony, child support, etc.)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. If
 required, verify that a 3rd party fraud report (DataVerify, etc.) is contained in the
 loan file and review findings to confirm all deficiencies were resolved

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Evaluate
 borrower's mortgage/rental payment history using credit reports or other information
 supplied in the loan file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Verify
 that all judgements/liens/tax liens have been satisfied

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Verify
 that any bankruptcy, foreclosure or forbearance activity is in accordance with guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Perform
 a review of all asset information supplied in the loan file against guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. Evaluate
 borrowers' asset utilization and verify sufficient liquid assets to supplement
 income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. Perform
 a rental income analysis using the information supplied in the loan file as per the guidelines

**Property Valuation Review (Standard Residential and Business Purpose/DSCR Loans)**

Incenter Diligence reviewed all loans to validate the original appraisal report was provided in the loan file and that it is substantially complete. The evaluation will include the following components:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. Review
 the original appraisal report to ensure the valuation was performed by a licensed appraiser
 and in accordance with guidelines,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. Verify
 subject property type meets applicable guidelines,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. Note
 any exceptions to stated value or appraisal guidelines,

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;D. Verify
 value used to calculate LTV/CLTV and note any deviations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;E. Verify
 that the loan and property data within the appraisal report matches the loan documents.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;F. Review
 the appraisal report to ensure report value is "as is" or, if report is "subject
 to", that there is an associated completion report resolving all noted issues,
 and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;G. Review
 additional valuation products in the file; if there is a variance greater than 10% below
 the appraisal value, Client will be notified and an additional independent valuation
 product will be obtained as requested.

**Regulatory Compliance Review (Standard Residential Loans Only, Unless Otherwise Requested)**

Incenter Diligence's Regulatory Compliance analysis is intended to expose certain potential risk associated with the loans examined. It is strictly limited to the review scope outlined below and is based solely on the accuracy of the documentation and data supplied by the Client or other agreed upon third parties. The review findings are not guaranteed to encompass all critical elements related to the underwriting, origination or regulatory compliance status of the loans examined. Further, the findings are not to be construed as guidance on future indicators of positive or negative performance.

Incenter Diligence will perform a review of all loans supplied by the Client to verify all documentation provided is complete and complies with all applicable federal and state regulatory requirements, in addition to following the RMBS 4.0 TRID Compliance Review Scope published by the Structured Finance Industry Group (now the Structured Finance Association or "SFA") (the "SFIG Compliance Review Scope"), as amended from time to time, and the advice of outside counsel. As it relates to TILA-RESPA Integrated Disclosures ("TRID") testing, Incenter Diligence works with outside counsel on an ongoing basis to understand and interpret compliance regulations based on recent guidance by the Consumer Financial Protection Bureau (the "CFPB") that has created deviations in the TRID review scope and related exceptions/cures. The TRID-related review scope, outlined below and not performed for investment properties, will continue to be amended where appropriate as future guidance and rules are published. Incenter Diligence's conclusions are representative of best efforts to identify material risks and exceptions associated with each loan based on interpretation of the continually evolving regulations. Incenter Diligence maintains an active dialogue with outside counsel, Clients, Rating Agencies, SFA and other parties when interpreting compliance regulations and amending the review scope to accurately expose the risk associated with a loan. However, no guaranties can be made that the Review includes all areas of risk that may be present in the Transaction. In addition to the foregoing, Incenter Diligence utilizes nationally recognized integrated compliance analyzer tools.

Incenter Diligence does not employ personnel who are licensed to practice law in the various jurisdictions and the findings set forth in the reports prepared by Incenter Diligence do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Incenter Diligence. All final decisions as to whether to purchase or enter into a transaction related to any individual loan or the loans in the aggregate and any legal conclusions, including the potential liability related to the purchase or other transaction involving any such loan or loans, shall be made solely by the clients that have engaged Incenter Diligence to prepare their reports pursuant to their instructions and guidelines. Client acknowledges and agrees that the scoring models applied by Incenter Diligence are designed to identify potential risk and the Client assumes sole responsibility for determining the suitability of the information for its particular use.

Incenter Diligence reviews each loan to validate compliance with the following federal and state regulatory requirements, whenever applicable.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**A.** **Truth In Lending Act - 12 CFR §1026 ("TILA")** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Federal
 TILA

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Finance
 Charge Test (12 CFR §1026.18(d)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. It
 is understated by no more than $100; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. It
 is greater than the amount required to be disclosed

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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;b. Rescission
 Finance Charge Test (12 CFR §1026.23(h)(2)(i))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. It
 is understated by no more than $35; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. It
 is greater than the amount required to be disclosed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Rescission
 Total of Payments Test ((12 CFR §1026.23(h)(2)(ii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Is
 understated by no more than $35; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Is
 greater than the amount required to be disclosed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Foreclosure
 Rescission Finance Charge and Total of Payments Tests (12 CFR §1026.23(h))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. APR
 Test 12 CFR (§1026.22(a)(2), (4))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 disclosed annual percentage rate (APR) is considered accurate because it is not more
 than 1/8 of 1 percentage (for regular transactions) or 1/4 of 1 percentage (for irregular
 transactions) point above or below the APR as determined in accordance with the actuarial
 method; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The
 disclosed APR results from the disclosed finance charge, and the disclosed finance charge
 is considered accurate under §1026.18(d)(1) (the finance charge test), or for purposes
 of rescission the disclosed finance charge is considered accurate under §1026.23(g)
 or (h) (the rescission finance charge test or the foreclosure rescission finance charge
 test), whichever applies

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Right
 of Rescission Test (12 CFR §1026.23(a)(3), §1026.15(a)(3))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 funding date is not before the third business day following consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The
 consumer may exercise the right to rescind until midnight of the third business day following
 consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Validate
 Right of Rescission Notice was provided, and the correct form was used

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Dual
 Broker Compensation Test (12 CFR §1026.36(d)(2))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If
 any loan originator receives compensation directly from a consumer in a consumer credit
 transaction secured by a dwelling, no loan originator shall receive compensation, directly
 or indirectly, from any other person other than the consumer in connection with the transaction
 for loan origination activities

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Loan
 Originator Credits Test (12 C.F.R. §1026.36(d)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Test
 that the initial disclosure (GFE/TIL/LE) does not contain any broker fees paid by the
 broker

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Financing
 of Single Premium Credit Insurance Test (12 CFR §1026.36 (i))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A
 creditor may not finance, directly or indirectly, any premiums or fees for credit insurance
 in connection with a consumer credit transaction secured by a dwelling (including a home
 equity line of credit secured by the consumer's principal dwelling)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. TIL
 Disclosure (Pre-TRID)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. TIL
 Disclosure Date Test (12 CFR §1026.17(b),1026.19(a))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 loan is a mortgage transaction subject to the Real Estate Settlement Procedures Act (12
 U.S.C. §2601 et seq.) that is secured by the consumer's dwelling; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The
 initial TIL disclosure date is not later than the third business day (counting days on
 which the creditor's offices are open to the public for carrying on substantially all
 of its business functions) after the creditor receives the consumer's written application;
 and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. The
 initial TIL disclosure date is not later than the seventh business day (counting all
 calendar days except Sunday and specified legal public holidays) before consummation
 of the transaction, or the application date of the loan is before July 30, 2009; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. The
 loan is a "residential mortgage transaction" subject to the Real Estate Settlement
 Procedures Act (12 U.S.C. §2601 et seq.); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. The
 initial TIL disclosure date is before consummation or three business days after the creditor
 receives the consumer's written application, whichever is earlier; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Test
 the final TIL disclosure and any re-disclosed TIL(s); and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. The
 final TIL disclosure is properly executed; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. The
 final TIL disclosure and any re-disclosed TIL(s) is properly completed

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. TILA
 RESPA Integrated Disclosures (TRID)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Initial
 Loan Estimate Delivery Date Test (from application) (12 CFR §1026.19(e)(1)(iii)(A))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(i)
 (provision of loan estimate form) not later than the third business day after the creditor
 receives the consumer's application

&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. Initial
 Loan Estimate Delivery Date Test (prior to consummation) (12 CFR §1026.19(e)(1)(iii)(B))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 creditor shall deliver or place in the mail the disclosures required under §1026.19(e)(1)(e)(1)(i)
 (provision of loan estimate form) not later than the seventh business day before consummation
 of the transaction

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Loan
 Estimate (12 CFR §1026.19 and 37)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Verify
 applicable sections of the disclosure determined to carry assignee liability were accurately
 completed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verify
 final Loan Estimate was provided to borrower prior to the Closing Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Written
 List of Service Providers (SSPL) Disclosure Date Test (12 CFR §1026.19(e)(1)(vi))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If
 the consumer is permitted to shop for a settlement service, the creditor shall provide
 the consumer with a written list identifying available providers of that settlement service
 and stating that the consumer may choose a different provider for that service. The creditor
 must identify at least one available provider for each settlement service for which the
 consumer is permitted to shop. The creditor shall provide this written list of settlement
 service providers separately from the disclosures required by §1026.19(e)(1)(e)(1)(i)
 but in accordance with the timing requirements in §1026.19(e)(1)(e)(1)(iii)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Revised
 Loan Estimate Delivery Date Test (prior to consummation) (12 CFR §1026.19(e)(4)(ii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i)
 on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i).
 The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i)
 not later than four business days prior to consummation. If the revised version of the
 disclosures required under §1026.19(e)(1)(i) is not provided to the consumer in
 person, the consumer is considered to have received such version three business days
 after the creditor delivers or places such version in the mail

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Valid
 Change of Circumstances Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 changed circumstance(s) form was provided and the reason for re-disclosure is:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Changed
 circumstance affecting settlement charges; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Changed
 circumstance affecting eligibility; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Revisions
 requested by the consumer; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Expiration
 of initial loan estimate; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Delayed
 settlement date on a construction loan for new construction transactions only; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. The
 date the rate was set was not provided and interest rate dependent charges change once
 the interest rate is locked; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. The
 reason for re-disclosure is "Decrease in charges affecting settlement or eligibility,
 a consumer-requested revision, or other non-tolerance-related re-disclosure;" or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. The
 initial loan estimate was not delivered timely

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Initial
 Closing Disclosure Delivery Date Test (12 CFR §1026.19(f)(1)(ii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 creditor shall ensure that the consumer receives the disclosures required under paragraph
 §1026.19(f)(1)(i) no later than three business days before consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Closing
 Disclosure Test (12 CFR §1026.19 and 38)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Verify
 applicable sections of the disclosure determined to carry assignee liability were accurately
 completed

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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;i. Revised
 Closing Disclosure Delivery Date Test (waiting period vs. no waiting period required)
 (12 CFR §1026.19(f)(2)(i) & (ii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If
 the disclosures provided under §1026.19(f)(1)(i) become inaccurate before consummation,
 the creditor shall provide corrected disclosures reflecting any changed terms to the
 consumer so that the consumer receives the corrected disclosures at or before consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. If
 the consumer determines that the extension of credit is needed to meet a bona fide personal
 financial emergency, the consumer may modify or waive the three-business-day waiting
 period for the revised closing disclosure after receiving the disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. TRID
 Tolerance Testing - Charges That Cannot Increase Test (12 CFR §1026.19(e)(3)(i))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. An
 estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the
 charge paid by or imposed on the consumer does not exceed the amount originally disclosed
 under §1026.19(e)(1)(i)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. TRID
 Tolerance Testing - Charges That in Total Cannot Increase More Than 10% Test (12 CFR
 §1026.19(e)(3)(ii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 aggregate amount of charges for third-party services and recording fees paid by or imposed
 on the consumer does not exceed the aggregate amount of such charges disclosed under
 §1026.19(e)(1)(i) by more than 10 percent

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;l. TRID
 Tolerance Testing - Lender Credits That Cannot Decrease Test (12 CFR §1026.19(e)(3)(i))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. An
 estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the
 charge paid by or imposed on the consumer does not exceed the amount originally disclosed
 under §1026.19(e)(1)(i)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;m. TRID
 Reimbursement Amount Test (12 CFR §1026.19(f)(2)(v))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Refunds
 related to the good faith analysis. If amounts paid by the consumer exceed the amounts
 specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i)
 if the creditor refunds the excess to the consumer no later than 60 days after consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;n. TRID
 Reimbursement Date Test (12 CFR §1026.19(f)(2)(v))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Refunds
 related to the good faith analysis. If amounts paid by the consumer exceed the amounts
 specified under §1026.19(e)(3)(i) or (ii), the creditor complies with §1026.19(e)(1)(i)
 if the creditor refunds the excess to the consumer no later than 60 days after consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o. Disclosure
 of Escrow Account (§1026.38(l)(7))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If
 the loan indicates an escrow account will be established

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify
 all amounts disclosed in the Projected Payments Table are accurate (§1026.38(c);
 §1026.37(c))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify
 all amounts disclosed in the Estimated Taxes, Insurance and Assessments (ETIA) are accurate
 (§1026.37(c)(4),(5))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Verify
 all amounts disclosed in Section G – Initial Escrow Payment and Closing are accurate
 (§1026.37(g)(3))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Verify
 all amounts disclosed in the Escrow Account Section are accurate (§1026.38(l)(7))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. If
 the loan indicates an escrow account will not be established

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify
 all amounts disclosed in the Projected Payments Table are accurate (§1026.38(c);
 (§1026.37(c))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify
 all amounts disclosed in the Estimated Taxes, Insurance and Assessments (ETIA) are accurate
 (§1026.37(c)(4), (5))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Verify
 all amounts disclosed in the Escrow Account Section are accurate (§1026.38(l)(7))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;p. Disclosure
 of Seller Paid Closing Costs (§1026.38(t)(5)(v)(B))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. In
 transactions involving a seller, validate whether the lender disclosed all costs being
 paid by the seller on the borrowers Closing Disclosure

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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;ii. If
 seller paid fees are present on the borrower's Closing Disclosure, review the seller's
 Closing Disclosure or alternative documentation for accuracy of disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;q. Post-consummation
 Event and Revised Closing Disclosure Delivery Date Test

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 post-consummation revised closing disclosure delivery date is not more than 60 calendar
 days after the consummation date, or closing / settlement date if no consummation date
 was provided; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The
 provided reimbursement date is not more than 60 calendar days after the consummation
 date, or closing / settlement date if no consummation date was provided

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;r. Non-numeric
 Clerical Error and Post-consummation Revised Closing Disclosure Delivery Date Test (12
 CFR §1026.19(f)(2)(iv))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A
 creditor does not violate §1026.19(f)(1)(i) if the disclosures provided under §1026.19(f)(1)(i)
 contain non-numeric clerical errors, provided the creditor delivers or places in the
 mail corrected disclosures no later than 60 days after consummation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;s. Loan
 Calculation Test on the Closing Disclosure (12 CFR §1026.38))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Finance
 Charge

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Amount
 Financed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Total
 of Payments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Total
 Interest Percentage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Qualified
 Mortgage / Ability To Repay – Dodd Frank

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Classification
 of QM designated loan

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Validate
 whether the mortgage loan is a Safe Harbor QM or Higher Priced QM by comparing the mortgage
 loan's actual annual percentage rate, as recalculated, to the applicable average
 prime offer rate plus a certain applicable percentage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Determination
 of conformity thresholds (Safe Harbor or Rebuttable Presumption)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Negative
 Amortization Loan (12 CFR 1026.43(e)(2)(i)(A))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Verify
 that a qualified mortgage is a covered transaction that provides for regular periodic
 payments that are substantially equal and any interest rate change after consummation,
 along with the corresponding payment, does not result in an increase of the principal
 balance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Interest
 Only Loan (12 CFR 1026.43(e)(2)(i)(B))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Verify
 that no qualified mortgage loan allows the consumer to defer repayment of principal

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Balloon
 Payment Loan (12 CFR 1026.43(e)(2)(i)(C))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Verify
 that no qualified mortgage results in a ballon payment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Loan
 Term (12 CFR 1026.43(e)(2)(iii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A
 qualified mortgage is a covered transaction for which the loan term does not exceed 30
 years

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Points
 and Fees (12 CFR §1026.43(e)(3))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Points
 and fees do not exceed the qualified mortgage points and fees threshold

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. DTI
 (12 CFR §1026.43(e)(2)(vi))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 ratio of the consumer's total monthly debt to total monthly income at the time of consummation
 does not exceed 43 percent, calculated in accordance with Appendix Q

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. For
 Fannie Mae and Freddie Mac, however, the revised QM rules become mandatory on July 1,
 2021, meaning that the QM Patch effectively terminates on July 1, 2021—and that
 all loans sold to Fannie and Freddie must comply with the revised QM rules, effective
 July 1, 2021.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. For
 creditors not selling loans to Fannie Mae and/or Freddie Mac, loans underwritten from
 March 1, 2021 until October 1, 2022 will continue to apply the legacy QM rules; however,
 commencing July 1, 2021, legacy QM loans must be underwritten to Appendix Q and NOT to
 the QM Patch.

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Stated another way, since the FHFA terminated the QM Patch, loans underwritten to the QM Patch after July 1 are no longer eligible for sale to the GSEs, and in effect, the QM Patch disappeared after that date, notwithstanding the CFPB's intent for it to continue until October 1, 2022. Hence, for non-agency loans, underwritten between July 1, 2021 and October 1, 2022, legacy QM loans must be underwritten in accordance with Appendix Q.

&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. Client
 is required to advise regarding which application of QM/DTI or QM/APR rule for loans
 with application dates between 03/01/2021 and 10/01/2022 for the proper evaluation of
 QM.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Loans
 underwritten after 10/1/2022 will be reviewed following the revised QM (QM 2.0) rules,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. APR
 (12 CFR §1026.43(e)(2)(vi))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 loan APR is not to exceed the APOR plus percentage threshold, calculated according to
 12 CFR §1026.43(e)(2)(vi). With a QM/APR optional test period for loans with application
 dates between 03/01/2021 and 10/01/2022 and mandatory compliance and testing for loans
 after 10/01/2022.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. The
 APR on the loan does not exceed the threshold for the loan amount:

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Revised
 QM (QM 2.0)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. QM/DTI
 test will cease as of application dates on or after 10/01/2022

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. In
 addition to the Generally Applicable Factors above, all Revised QM loans must meet the
 following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Monthly
 Payment. The amount of the monthly payment on the loan is calculated using the maximum
 rate that may apply during the first five years and considers the monthly payment for
 simultaneous loans and mortgage obligations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Consider
 and Verify. The creditor considers and verifies the consumer's current or expected
 income and assets and debt and his DTI or residual income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. As
 part of the "consider" requirement, Incenter Diligence will review the (i)
 creditor's policies and procedures provided by Client, as well as any exceptions
 thereto, for how the creditor takes into account the underwriting factors enumerated
 above, and (ii) the documentation retained by creditor, such as an underwriting worksheet
 or a final automated underwriting system certification, showing how the creditor took
 these factors into account in its ability-to-repay determination.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Consider
 and Verify Safe Harbor (VSH). Creditor is deemed to have complied with this "verify"
 requirement if it complies with the verification standards in one or more of these following
 agency manuals:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Chapters
 B3-3 through B3-6 of the Fannie Mae Single Family Selling Guide, published June 3, 2020
 including all subsequent updates; Sections 5102 through 5500 of the Freddie Mac Single-Family
 Seller/Servicer Guide, published June 10, 2020 including all subsequent updates;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Sections
 II.A.1 and II.A.4-5 of the Federal Housing Administration's Single-Family Housing
 Policy Handbook, issued October 24, 2019 including all subsequent updates;

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Chapter
 4 of the U.S. Department of Veterans Affairs' Lenders Handbook, revised February
 22, 2019 including all subsequent updates;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. Chapter
 4 of the U.S. Department of Agriculture's Field Office Handbook for the Direct
 Single Family Housing Program, revised March 15, 2019 including all subsequent updates;
 and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. Chapters
 9 through 11 of the U.S. Department of Agriculture's Handbook for the Single-Family
 Guaranteed Loan Program, revised March 19, 2020 including all subsequent updates.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;l. For
 purposes of compliance with VSH, a creditor must comply with only those provisions in
 the manuals that require creditors to verify income, assets, debt obligations, alimony
 and child support using specified documents or to classify and count particular inflows,
 property, and obligations as income, assets, debt obligations, alimony, and child support.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;m. Revised
 versions of manuals. A creditor also complies with the verification safe harbor where
 it complies with revised versions of the manuals listed above provided that the two versions
 are "substantially similar".

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;n. The
 QM 2.0 Rule permits the creditor to "mix and match" verification standards
 from different agency manuals. Incenter Diligence will test the creditor's "verification"
 of third- party records in instances when the creditor either uses (i) its own procedures
 or alternatively, (ii) the verification standards of one or more of the agency handbooks
 listed above.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;o. Note:
 the Client must provide written policies and procedures and related documentation such
 as underwriter worksheets in order for Incenter Diligence to review loans under the QM
 2.0 Rules, and in particular, with regard to the "consider" and "verify"
 requirements. Further, if the Client intends to use the VSH, its written policies and
 procedures must specify the precise agency handbook(s) that it is relying on with specific
 references to the particular provisions addressing income, assets, debt obligations,
 alimony and child support using specified documents or to classify and count particular
 inflows, property, and obligations as income, assets, debt obligations, alimony, and
 child support—as well as the specific date(s) of the agency handbook(s) issuance,
 publication or revision. In addition, Incenter Diligence is not responsible for determining
 whether revised versions of the manuals listed above are "substantially similar"
 for purposes of the VSH; such a determination of the sole responsibility of the Client.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;p. Note:
 due to the inherent subjectivity of the foregoing "consider" and "verify"
 requirements, Incenter Diligence will review the Client's: (i) policies and procedures
 and worksheets and (ii) methods and criteria for verification of income and assets (regardless
 of whether the "safe harbor" is utilized) for content only, and will not
 opine whether such policies and procedures, worksheets and verification methods and criteria
 themselves comply with applicable law, and cannot guarantee that a court, governmental
 regulator, rating agency or another third party diligence provider would reach the same
 conclusions using such work product.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Prepayment
 Penalty (12 CFR 1026.43(g))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. A
 covered transaction must not include a prepayment penalty unless:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 prepayment penalty is otherwise permitted by law; and the transaction:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Has
 an annual percentage rate that cannot increase after consummation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Is
 a qualified mortgage under paragraph (e)(2), (e)(4), or (f) of this section; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Is
 not a Higher Priced Mortgage Loan, as defined in § 1026.35(a)

Page **11** of **17**

![](ex993001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Home
 Ownership and Equity Protection Act – HOEPA (Sections 32)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Federal
 HOEPA coverage (12 CFR §1026.32(a)(1)(i), (ii))

&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. Tests
 that the loan is/is not secured by the consumer's principal dwelling; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Tests
 that the loan is/ is not an open-end credit plan; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. That
 the application date of the loan occurs before/after the effective date of October 1,
 1995; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. That
 the date the creditor received application occurs on or after January 10, 2014, the effective
 date of the High-Cost Mortgage amendments

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. High-Cost
 Mortgage APR threshold test (12 CFR §1026.32(a)(1)(i)(A), (C))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 loan is secured by a first-lien transaction, and the annual percentage rate (APR) does
 not exceed the Average Prime Offer Rate by more than 6.5%; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The
 loan is a subordinate-lien transaction, and the annual percentage rate (APR), does not
 exceed the Average Prime Offer Rate by more than 8.5%

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. High-Cost
 Mortgage Points and Fees Threshold Test (12 CFR §1026.32(a)(1)(ii)(A), (B))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 total points and fees do not exceed allowable limits per the given loan amount

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. High-Cost
 Mortgage Prepayment Penalty Threshold Test (12 CFR §1026.32(a)(1)(iii))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 loan contract or open-end credit agreement does not allow the creditor to charge:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. A
 prepayment penalty more than 36 months after consummation or account opening; or

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Prepayment
 penalties that can exceed, in total, more than 2 percent of the amount prepaid

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. High-Cost
 Mortgage (12 CFR §1026.32(a)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. High-Cost
 Mortgage Repayment Ability Test (12 CFR §1026.34(a)(4), 1026.43)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Other
 high-costs tests pursuant to (12 CFR §1026.32(a)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Timing
 of disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Balloon
 payment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Negative
 amortization

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Prepayment
 penalty

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Pre-loan
 counseling

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Late
 charges

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Grace
 period

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Financing
 of points and fees

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Higher
 Priced Mortgage Loan – HMPL (12 CFR §1026.35)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Higher
 Priced Mortgage Loan tests (12 CFR §1026.35(a))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Higher
 Priced Mortgage Loan required escrow account test (12 CFR §1026.35(b))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Higher
 Priced Mortgage Loan required appraisal test (12 CFR §1026.35(c))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Prohibited
 Acts – Brokers Comp

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Broker
 Compensation Test (12 CFR §1026.36(d)(2)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If
 any loan originator receives compensation directly from a consumer in a consumer credit
 transaction secured by a dwelling:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. No
 loan originator shall receive compensation, directly or indirectly, from any person other
 than the consumer in connection with the transaction; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. No
 person who knows or has reason to know of the consumer-paid compensation to the loan
 originator (other than the consumer) shall pay any compensation to a loan originator,
 directly or indirectly, in connection with the transaction

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Nationwide
 Mortgage Licensing System (NMLS) Tests (12 CFR §1026.36)

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. verify
 the data against the NMLSR database, as available

Page **12** of **17**

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**B.** **Real Estate Settlement Procedures Act – 12 CFR §1024 ("RESPA")** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Federal
 RESPA

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Homeownership
 Counseling Organizations Disclosure Date Test (12 CFR §1024.20(a))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Not
 later than three business days after a lender, mortgage broker, or dealer receives an
 application, or information sufficient to complete an application, the lender must provide
 the loan applicant with a clear and conspicuous written list of homeownership counseling
 organizations that provide relevant counseling services in the loan applicant's location

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. The
 list of homeownership counseling organizations distributed to each loan applicant under
 this section shall be obtained no earlier than 30 days prior to the time when the list
 is provided to the loan applicant

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Good
 Faith Estimate Disclosure Test (12 CFR §1024.7)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Not
 later than 3 business days after a loan originator (broker or lender) receives an application
 for a federally related mortgage loan, or information sufficient to complete an application,
 the loan originator must provide the applicant with a GFE

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Good
 Faith Estimate Disallowed Credit and Charge test (GFE Block 2)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Looks
 for any amounts entered for both a loan discount fee and a yield spread premium or a
 lender credit

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Only
 one charge or one credit affecting the interest rate is allowed under the new RESPA regulations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**C.** **Equal Credit Opportunity Act – 12 CFR §1002 ("ECOA")** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. ECOA
 Valuation Rule (12 CFR §1002.14(a)(1))

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review
 all applicable loans for the Disclosure of Right to Receive a Copy of Appraisals. Validate
 if the customer(s) waived their right to receive copies of their appraisals three business
 days prior to consummation/account opening

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Review
 all applicable loans for proof that lender delivered copies of appraisals and other written
 valuations three business days before consummation (closed-end), or account opening (open-end)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. If
 the customer(s) waived their right to receive copies of their appraisals three business
 days prior to consummation/account opening, review the Post-Closing submission for an
 Acknowledgment of Receipt of Appraisal Report, or other proof that the lender provided
 the copies either at, or prior to, consummation or account opening

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**D.** **State Specific tests (varies by state and applicability, but at a minimum includes);** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Consumer
 / Home Loan tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. High-cost
 tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Higher
 Priced Mortgage Loan tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. APR
 threshold tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Points
 and fees threshold tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Covered
 loan tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Negative
 Amortization tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Prepayment
 tests

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. Texas
 Home Equity Loans

Page **13** of **17**

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**Document Review**

Incenter Diligence reviewed all mortgage loan files supplied and verified that the following documents, if applicable, were included in the file and that the data on the documents was consistent:

● Initial Application (1003)

● Final Application (1003)

● Loan Approval (1008)

● HUD1 from Sale of Previous Residence

● Loan Estimates and Closing Disclosures

● Sales Contract

● Mortgage/Deed of Trust

● Note

● Guaranty Agreement

● Occupancy Affidavit

● Lease Agreements

● Business Purpose Affidavit

● Junior Lien Information

● Subordination Agreement

● Income Documentation

● Employment Documentation

● Asset Documentation

● Credit Reports

● 4506T/Tax Documentation

● Change of Circumstance Documentation

● Disclosures: Right of Rescission, Net Tangible Benefit and FACTA

● Appraisal Valuation Reports

● Title/Preliminary Title

● Flood and Hazard Insurance Policies

● Flood Certificates

**Other review and methodology**

Not applicable.

Page **14** of **17**

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**<u>Summary of findings and conclusions of review</u>**

Below provides the summary of the review findings:

**Final Overall Grade Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Overall** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;71 | &nbsp;&nbsp;92.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;4 | &nbsp;&nbsp;8.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**75** | &nbsp;&nbsp;**100.00%** |

---

**Credit Grade Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;72 | &nbsp;&nbsp;96.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;4.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**75** | &nbsp;&nbsp;**100.00%** |

---

**Compliance Grade Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;74 | &nbsp;&nbsp;98.67% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.33% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**75** | &nbsp;&nbsp;**100.00%** |

---

**Property Grade Summary**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;54 | &nbsp;&nbsp;72.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;21 | &nbsp;&nbsp;28.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**75** | &nbsp;&nbsp;**100.00%** |

---

Page **15** of **17**

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**Exception Summary**

Below provides a summary of the individual exceptions based on the general categories of Credit, Compliance, and Property.

\* Loan was not delivered to the reviewer or the file is not sufficiently complete to perform the basic review.

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Credit Exception Categories** | &nbsp;&nbsp;**Exception** <br> **Count** | &nbsp;&nbsp;**Credit** <br> **Grade A** | &nbsp;&nbsp;**Credit** <br> **Grade B** | &nbsp;&nbsp;**Credit** <br> **Grade C** | &nbsp;&nbsp;**Credit** <br> **Grade D \*** |
| &nbsp;&nbsp;Assets | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Borrower | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Closing | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Data | &nbsp;&nbsp;8 | &nbsp;&nbsp;8 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Debt | &nbsp;&nbsp;6 | &nbsp;&nbsp;6 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Eligibility | &nbsp;&nbsp;16 | &nbsp;&nbsp;16 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Income/Employment | &nbsp;&nbsp;7 | &nbsp;&nbsp;6 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Insurance | &nbsp;&nbsp;4 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Missing Doc | &nbsp;&nbsp;74 | &nbsp;&nbsp;72 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;QM-ATR | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Title | &nbsp;&nbsp;14 | &nbsp;&nbsp;13 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**131** | &nbsp;&nbsp;**127** | &nbsp;&nbsp;**4** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** |

---

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Exception Categories** | &nbsp;&nbsp;**Exception** <br> **Count** | &nbsp;&nbsp;**Compliance <br> Grade A** | &nbsp;&nbsp;**Compliance <br> Grade B** | &nbsp;&nbsp;**Compliance <br> Grade C** | &nbsp;&nbsp;**Compliance <br> Grade D \*** |
| &nbsp;&nbsp;Ability to Repay | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Closing | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;5 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Data | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Disclosure | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Documentation | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Fees | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Missing Doc | &nbsp;&nbsp;52 | &nbsp;&nbsp;51 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Points & Fees | &nbsp;&nbsp;2 | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;QM-ATR | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Right to Rescind | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;State Reg | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;TRID | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**65** | &nbsp;&nbsp;**63** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** |

---

Page **16** of **17**

![](ex993001.jpg)

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| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Property Exception Categories** | &nbsp;&nbsp;**Exception** <br> **Count** | &nbsp;&nbsp;**Property** <br> **Grade A** | &nbsp;&nbsp;**Property** <br> **Grade B** | &nbsp;&nbsp;**Property <br> Grade C** | &nbsp;&nbsp;**Property** <br> **Grade D \*** |
| &nbsp;&nbsp;Appraisal | &nbsp;&nbsp;10 | &nbsp;&nbsp;9 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Data | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Missing Doc | &nbsp;&nbsp;4 | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Property Issue | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**16** | &nbsp;&nbsp;**13** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**0** |

---

**Data Integrity Summary**

The table below provides a summary of the data compare results:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Data Compare Field Name** | &nbsp;&nbsp;**# of Discrepancies** | &nbsp;&nbsp;**% of Accuracy** |
| &nbsp;&nbsp;ARM Interest Data | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;4 | &nbsp;&nbsp;94.67% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;2 | &nbsp;&nbsp;97.33% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.67% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.67% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 FTHB | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;8 | &nbsp;&nbsp;89.33% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;97.33% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;2 | &nbsp;&nbsp;97.33% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;5 | &nbsp;&nbsp;93.33% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;2 | &nbsp;&nbsp;97.33% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;2 | &nbsp;&nbsp;97.33% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;8 | &nbsp;&nbsp;89.33% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.67% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;2 | &nbsp;&nbsp;97.33% |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;2 | &nbsp;&nbsp;97.33% |
| &nbsp;&nbsp;Original Loan Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;3 | &nbsp;&nbsp;96.00% |
| &nbsp;&nbsp;Originator DSCR | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.67% |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;7 | &nbsp;&nbsp;90.67% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.67% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.67% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;13 | &nbsp;&nbsp;82.67% |
| &nbsp;&nbsp;QM Designation | &nbsp;&nbsp;8 | &nbsp;&nbsp;89.33% |
| &nbsp;&nbsp;Qualifying Appraised Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.67% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;4 | &nbsp;&nbsp;94.67% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;4 | &nbsp;&nbsp;94.67% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;6 | &nbsp;&nbsp;92.00% |
| &nbsp;&nbsp;Qualifying Total DTI | &nbsp;&nbsp;26 | &nbsp;&nbsp;65.33% |
| &nbsp;&nbsp;Refinance Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.67% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Subordinate Lien Amount | &nbsp;&nbsp;3 | &nbsp;&nbsp;96.00% |
| &nbsp;&nbsp;Underwriting Guideline Name | &nbsp;&nbsp;13 | &nbsp;&nbsp;82.67% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**134** | &nbsp;&nbsp;**95.75%** |

---

Page **17** of **17**

## Exhibit 99.3

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.3 - Schedule 1**

---

| | | | |
|:---|:---|:---|:---|
| TPR Firm: | ![](incenter-logo.jpg) | Report Date: | 4/9/2026 |
| Client Name: | Vista Point Mortgage | Report: | Exception Report |
| Deal Name: | VSTA 2026-CES2 | Loans in report: | 75 |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Incenter Loan ID** | **Client Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** |
| XXX | 69811065 | XXX | XXX D B A | Closed | FCOM3075 | 2025-12-05 16:22 | 2026-01-07 14:02 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc | Missing US Patriot Act Information Form | Acknowledged-Lender acknowledges US Patriot Act Information Form was not generated for a Non-Borrowing Spouse. - Due Diligence Vendor-01/07/2026 <br> Unable to Resolve-Unable to Resolve-Due to a system issue, the Patriot Act Disclosure was not generated for a non borrowing individual....appears XXX do not provide under this condition. Can this please be waived or placed as a trailing document for us to provide. Please advise. TXH!! - Seller-01/07/2026 <br> Counter-Received USA Patriot Act Information Form for BorrowerXXXX, however, need signed USA Patriot Act Information Form for XXX. - Due Diligence Vendor-12/23/2025 <br> Ready for Review-Document Uploaded. patriot act - Seller-12/23/2025 <br> Open-Missing Signed USA Patriot Act Information Form with Customer Identification Verification for Non-Borrowing Spouse. - Due Diligence Vendor-12/10/2025 | Unable to Resolve-Unable to Resolve-Due to a system issue, the Patriot Act Disclosure was not generated for a non borrowing individual....appears XXX do not provide under this condition. Can this please be waived or placed as a trailing document for us to provide. Please advise. TXH!! - Seller-01/07/2026 <br> Ready for Review-Document Uploaded. patriot act - Seller-12/23/2025 | Acknowledged-Lender acknowledges US Patriot Act Information Form was not generated for a Non-Borrowing Spouse. - Due Diligence Vendor-01/07/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680<br> LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 85% |  | Patriot Act.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Post-Close | No |
| XXX | 69811065 | XXX | XXX D B A | Closed | 1000788-1002346 | 2025-12-23 15:07 | 2026-01-07 13:45 | Acknowledged | 2 - Non-Material C B | Compliance | HigherRisk:APR | Connecticut - Nonprime Home Loan (Junior Lien) (8/15) | Acknowledged-Downgraded to Non-Material - Due Diligence Vendor-01/07/2026 <br> Acknowledged-This is a XXX Nonprime Home Loan. The loan's (10.15%) APR equals or exceeds the XXX Nonprime Home Loan threshold of (9.73%). The difference is (0.42). The threshold is determined by adding 3.5 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%). (XXX. Gen. Stat. 36a-760(a)(7)) XXX agrees to purchase XXX Nonprime transactions. - Due Diligence Vendor-01/07/2026 <br> Open- - Due Diligence Vendor-01/07/2026 <br> Acknowledged-Downgraded to Non-Material. - Due Diligence Vendor-12/23/2025 <br> Acknowledged-This is a XXX Nonprime Home Loan. The loan's (10.15%) APR equals or exceeds the XXX Nonprime Home Loan threshold of (9.81%). The difference is (0.34). The threshold is determined by adding 3.5 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 (6.31%). (XXX. Gen. Stat. 36a-760(a)(7)) XXX agrees to purchase XXX Nonprime transactions. - Due Diligence Vendor-12/23/2025 <br> Open- - Due Diligence Vendor-12/23/2025 |  | Acknowledged-Downgraded to Non-Material - Due Diligence Vendor-01/07/2026 <br> Acknowledged-This is a XXX Nonprime Home Loan. The loan's (10.15%) APR equals or exceeds the XXX Nonprime Home Loan threshold of (9.73%). The difference is (0.42). The threshold is determined by adding 3.5 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%). (XXX. Gen. Stat. 36a-760(a)(7)) XXX agrees to purchase XXX Nonprime transactions. - Due Diligence Vendor-01/07/2026 <br> Acknowledged-Downgraded to Non-Material. - Due Diligence Vendor-12/23/2025 <br> Acknowledged-This is a XXX Nonprime Home Loan. The loan's (10.15%) APR equals or exceeds the XXX Nonprime Home Loan threshold of (9.81%). The difference is (0.34). The threshold is determined by adding 3.5 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 (6.31%). (XXX. Gen. Stat. 36a-760(a)(7)) XXX agrees to purchase XXX Nonprime transactions. - Due Diligence Vendor-12/23/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680<br> LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 85% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | Investor Post-Close | No |
| XXX | 69811065 | XXX | XXX D B A | Closed | 50001251-Fees-Limited | 2025-12-23 15:07 | 2026-01-07 13:34 | Resolved | 1 - Information C A | Compliance | Mavent | Fees: Limited | Resolved-Received Revised Closing Disclosures Issued XXX and XXX with corresponding Notice of Change Circumstances Reasons Closing Disclosures. - Due Diligence Vendor-01/07/2026 <br> Resolved- - Due Diligence Vendor-01/07/2026 <br> Ready for Review-Document Uploaded. Closing Disclosures for extension fee and locked rate - Seller-01/07/2026 <br> Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Commitment (Rate Lock) Fee, Commitment (Rate Lock) 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. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). On the Final Closing Disclosure Issued XXX a "Rate Lock Extension Fee" in the amount of $XXX and a "Rate Lock Extension Fee" in the amount of $XXX were added without a valid Change of Circumstance, resulting in the following Fail;The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Commitment (Rate Lock) Fee, Commitment (Rate Lock) 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. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). - Due Diligence Vendor-12/23/2025 <br> Open- - Due Diligence Vendor-12/23/2025 | Ready for Review-Document Uploaded. Closing Disclosures for extension fee and locked rate - Seller-01/07/2026<br>| Resolved-Received Revised Closing Disclosures Issued XXX and XXX with corresponding Notice of Change Circumstances Reasons Closing Disclosures. - Due Diligence Vendor-01/07/2026 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680<br> LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 85% |  | XXX CDs.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 69811065 | XXX | XXX D B A | Closed | FCRE1676 | 2025-12-10 12:26 | 2025-12-23 16:23 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Credit General | Resolved-Received borrower LOX regarding COVID related modification. Paid as agreed on credit. - Due Diligence Vendor-12/23/2025 <br>Ready for Review-Document Uploaded. LOX - Seller-12/23/2025 <br>Open-Senior lien mortgage statement reflects deferred balance. Missing evidence of reason for deferment; Copy of modification agreement (if applicable). Unable to determine if senior lien is eligible. - Due Diligence Vendor-12/10/2025 | Ready for Review-Document Uploaded. LOX - Seller-12/23/2025<br>| Resolved-Received borrower LOX regarding COVID related modification. Paid as agreed on credit. - Due Diligence Vendor-12/23/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680<br> LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 85% |  | LOX Regarding Deferrment.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 69811065 | XXX | XXX D B A | Closed | FCRE1204 | 2025-12-08 11:11 | 2025-12-23 15:59 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received cleared fraud report. - Due Diligence Vendor-12/23/2025 <br>Ready for Review-Document Uploaded. fraud guard - Seller-12/23/2025 <br>Open-Fraud Report Shows Uncleared Alerts Missing documentation to support lender addressed and cleared all the high impact items reflected on the fraud report. - Due Diligence Vendor-12/08/2025 | Ready for Review-Document Uploaded. XXX - Seller-12/23/2025 | Resolved-Received cleared fraud report. - Due Diligence Vendor-12/23/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680<br> LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 85% |  | XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 69811065 | XXX | XXX D B A | Closed | FCRE5116 | 2025-12-10 12:14 | 2025-12-23 15:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Received credit supplement reflecting acceptable pay history for XXX account. - Due Diligence Vendor-12/23/2025 <br> Ready for Review-Document Uploaded. credit suppliment - Seller-12/23/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing credit report supplement/evidence Mortgage with XXX is current within 45 days of Note Date and no lates. Credit Report submitted reflects last paid XXX, loan closed XXX. - Due Diligence Vendor-12/10/2025 | Ready for Review-Document Uploaded. credit suppliment - Seller-12/23/2025<br>| Resolved-Received credit supplement reflecting acceptable pay history for XXX account. - Due Diligence Vendor-12/23/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680<br> LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 85% |  | Credit Suppliment.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 69811065 | XXX | XXX D B A | Closed | FCRE4963 | 2025-12-10 12:28 | 2025-12-23 15:57 | Resolved | 1 - Information C A | Credit | Debt | No evidence of required debt payoff | Resolved-Received updated XXX statement reflecting unchanged balance for Deferred amount. - Due Diligence Vendor-12/23/2025 <br> Ready for Review-Document Uploaded. XXX Mortgage Statement - Seller-12/23/2025 <br> Open-Missing evidence of deferred balance for Mortgage XXX xxXXX being paid on Closing Disclosure is sufficient to payoff due to Mortgage Statement submitted is dated XXX. - Due Diligence Vendor-12/10/2025 | Ready for Review-Document Uploaded. XXX Statement - Seller-12/23/2025 | Resolved-Received updated XXX statement reflecting unchanged balance for Deferred amount. - Due Diligence Vendor-12/23/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680<br> LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 85% |  | Oct Mtg Stmt.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 69811065 | XXX | XXX D B A | Closed | FCOM8805 | 2025-12-08 12:58 | 2025-12-23 15:54 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received borrower authorization. - Due Diligence Vendor-12/23/2025 <br> Ready for Review-Document Uploaded. autho - Seller-12/23/2025 <br> Open-Credit report dated XXX pulled by XXX is dated prior to the borrower's authorization dated XXX. Missing documentation to support borrower's authorization to pull credit pulled on XXX - Due Diligence Vendor-12/08/2025 | Ready for Review-Document Uploaded. autho - Seller-12/23/2025<br>| Resolved-Received borrower authorization. - Due Diligence Vendor-12/23/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680<br> LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 85% |  | Credit Verbal Auth.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 69811065 | XXX | XXX D B A | Closed | FCOM4227 | 2025-12-08 15:25 | 2025-12-23 15:00 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received Initial Closing Disclosure Issued XXX. - Due Diligence Vendor-12/23/2025 <br> Ready for Review-Document Uploaded. initial CD - Seller-12/23/2025 <br> Open-Missing Initial Closing Disclosure. Unable to complete regulatory compliance check and TRID Monitoring. - Due Diligence Vendor-12/08/2025 | Ready for Review-Document Uploaded. initial CD - Seller-12/23/2025<br>| Resolved-Received Initial Closing Disclosure Issued XXX. - Due Diligence Vendor-12/23/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680<br> LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 85% |  | Initial CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 69811065 | XXX | XXX D B A | Closed | FCOM1477 | 2025-12-05 16:18 | 2025-12-23 14:59 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Received Lock Confirmation that reflects Lock Date of XXX. - Due Diligence Vendor-12/23/2025 <br> Ready for Review-Document Uploaded. rate lock - Seller-12/23/2025 <br> Open-Evidence of Rate Lock Missing - Due Diligence Vendor-12/05/2025 | Ready for Review-Document Uploaded. rate lock - Seller-12/23/2025<br>| Resolved-Received Lock Confirmation that reflects Lock Date of XXX. - Due Diligence Vendor-12/23/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680<br> LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 85% |  | XXX XXX ext 3 max.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 61460150 | XXX | XXX D A C | Closed | FCRE1145 | 2025-11-18 13:48 | 2026-04-02 14:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved- - Due Diligence Vendor-04/02/2026 <br>Resolved-Received clear title report. - Due Diligence Vendor-12/03/2025 <br>Ready for Review-Document Uploaded. - Seller-12/03/2025 <br>Open-Title Document is missing - Due Diligence Vendor-11/18/2025 | Ready for Review-Document Uploaded. - Seller-12/03/2025<br>| Resolved-Received clear title report. - Due Diligence Vendor-12/03/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | XXX Loan Policy.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 61460150 | XXX | XXX D A C | Closed | FCRE1253 | 2025-12-01 16:26 | 2026-04-01 14:20 | Resolved | 1 - Information C A | Credit | Eligibility | Missing Property Tax Cert | Resolved-Received property tax cert. - Due Diligence Vendor-12/03/2025 <br>Ready for Review-Document Uploaded. - Seller-12/03/2025 <br>Open-Missing Property Tax Cert - Due Diligence Vendor-12/01/2025 | Ready for Review-Document Uploaded. - Seller-12/03/2025<br>| Resolved-Received property tax cert. - Due Diligence Vendor-12/03/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | XXX Tax Cert.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 61460150 | XXX | XXX D A C | Closed | FCRE1342 | 2025-12-01 16:18 | 2026-01-15 16:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Received XXX XXX bank statement supporting deposits of $XXX. - Due Diligence Vendor-01/15/2026 <br> Ready for Review-Document Uploaded. - Seller-01/15/2026 <br> Counter-Received income calculation worksheet reflecting dates from XXX thru XXX and bank statements from XXX thru XXX, XXX and XXX. Missing statement for XXX supporting deposits of $XXX and updated income worksheet for period XXX thru XXX. - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Document Uploaded. - Seller-01/13/2026 <br> Counter-Received updated business bank statements for XXX XXX and XXX XXX. Missing updated bank statement worksheet to determine income calculation used. - Due Diligence Vendor-12/09/2025 <br> Ready for Review-Document Uploaded. - Seller-12/09/2025 <br> Open-Borrower 1 Business Bank Statements Missing The income documentation provided is outdated (dated XXX). Updated income documentation, including business bank statements dated within 90 days of the closing date (XXX), is missing. Subject to recalculation of income upon receipt. - Due Diligence Vendor-12/01/2025 | Ready for Review-Document Uploaded. - Seller-01/15/2026 <br>Ready for Review-Document Uploaded. - Seller-01/13/2026 <br>Ready for Review-Document Uploaded. - Seller-12/09/2025<br>| Resolved-Received XXX bank statement supporting deposits of $XXX. - Due Diligence Vendor-01/15/2026 | LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | XXX XXX XXX XXX.pdf<br> XXX XXX XXX XXX.pdf<br> XXX XXX XXX XXX.pdf<br> XXX Income Calculation.pdf<br> XXX XXX XXX XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 61460150 | XXX | XXX D A C | Closed | FVAL9739 | 2025-12-01 17:03 | 2026-01-13 16:14 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Received revised 1008/1003 along with additional supporting documentation reflecting transaction as a Primary residence. - Due Diligence Vendor-01/13/2026 <br> Ready for Review-Document Uploaded. - Seller-01/13/2026 <br> Counter-Received updated 1003 and legal documents to support primary residence refinance transaction. However, Section 3 of the 1003 (Financial Information) still shows property at XXX (subject) retained as investment property. Additionally, missing updated copy of the 1008. Current copy also shows subject property of XXX as refinance of an investment property - Due Diligence Vendor-01/06/2026 <br> Ready for Review-Document Uploaded. Revised 1003, Mortgage, Notice of Right to Cancels, Affidavit of Occupancy and Occupancy Affidavit changing loan from Investment to Primary. - Seller-01/06/2026 <br> Counter-Lender commentary received, however insufficient to clear condition as Final URLA and Occupancy Affidavit reflect this property is an Investment property. Original condition remains. - Due Diligence Vendor-12/03/2025 <br> Ready for Review-This Loan is not an Investment, but the Borrowers Primary Property. - Seller-12/03/2025 <br> Open-Loan transaction is a refinance of an investment property. Appraisal provided dated XXX reflects property as owner occupied. - Due Diligence Vendor-12/01/2025 | Ready for Review-Document Uploaded. - Seller-01/13/2026 <br>Ready for Review-Document Uploaded. Revised 1003, Mortgage, Notice of Right to Cancels, Affidavit of Occupancy and Occupancy Affidavit changing loan from Investment to Primary. - Seller-01/06/2026 <br>Ready for Review-This Loan is not an Investment, but the Borrowers Primary Property. - Seller-12/03/2025<br>| Resolved-Received revised 1008/1003 along with additional supporting documentation reflecting transaction as a Primary residence. - Due Diligence Vendor-01/13/2026<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | XXX Revised Closing Docs.pdf<br> XXX Revised 1003.pdf<br> XXX 1008.pdf<br> XXX 1003.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 61460150 | XXX | XXX D A C | Closed | FCOM8805 | 2025-11-26 15:23 | 2025-12-03 11:13 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received borrower authorization. - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Document Uploaded. - Seller-12/03/2025 <br> Open-Credit report dated XXX pulled by XXX is dated prior to the borrower's authorization dated XXX. Missing documentation to support borrower's authorization to pull credit pulled on XXX. - Due Diligence Vendor-11/26/2025 | Ready for Review-Document Uploaded. - Seller-12/03/2025<br>| Resolved-Received borrower authorization. - Due Diligence Vendor-12/03/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | XXX Borrower's Authorization.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 69951393 | XXX | XXX D B A C | Closed | FCRE7347 | 2025-12-08 20:18 | 2026-01-08 16:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Received evidence of receipt of 2 months rent. - Due Diligence Vendor-01/08/2026 <br> Ready for Review-Document Uploaded. Proof of payments attached. - Seller-01/08/2026 <br> Counter-Received screenshot of guideline. Please see additional requirements under section 8.11.3 for ADU. - Due Diligence Vendor-01/07/2026 <br> Ready for Review-Document Uploaded. Investor guidelines allow the use of the 1007, they do not mention or ask for 2 months of proof of payment. - Seller-01/06/2026 <br> Counter-Lender commentary received, however insufficient to clear condition. Per section 8.10.3 of investor guidelines, proof of two months current rental receipt for the ADU is required along with the lease agreement and form 1007. - Due Diligence Vendor-01/06/2026 <br> Ready for Review-A 1007 was provided hence proof of payment should not be required. Is this additional requirement based on XXX guidelines or ours? - Seller-01/05/2026 <br> Counter-Received lease agreements, however still missing proof of two months current rental receipt for the ADU is required per guidelines. Subject to recalculation of DSCR. - Due Diligence Vendor-01/05/2026 <br> Ready for Review-Document Uploaded. - Seller-01/02/2026 <br> Open-The provided lease agreement is for the ADU XXX (Current ADU lease rent is $XXX vs Market rent of $XXX = subject + ADU). Missing lease agreement for the primary unit XXX. Additionally, proof of two months current rental receipt for the AUD is required per guidelines. Subject to recalculation of DSCR.<br> - Due Diligence Vendor-12/09/2025 | Ready for Review-Document Uploaded. Proof of payments attached. - Seller-01/08/2026 <br> Ready for Review-Document Uploaded. Investor guidelines allow the use of the 1007, they do not mention or ask for 2 months of proof of payment. - Seller-01/06/2026 <br> Ready for Review-A 1007 was provided hence proof of payment should not be required. Is this additional requirement based on XXX guidelines or ours? - Seller-01/05/2026 <br> Ready for Review-Document Uploaded. - Seller-01/02/2026 | Resolved-Received evidence of receipt of 2 months rent. - Due Diligence Vendor-01/08/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | Lease XXX XXX XXX-XXX Extension.pdf<br> Original Lease - XXX XXX.pdf<br> Lease-ADU - XXX XXX XXX XXX.pdf<br> XXX CES Guidelines.jpg<br> Receipts - AppFolio Property Manager-page 3.pdf<br> Receipts - AppFolio Property Manager.pdf<br> Receipts - AppFolio Property Manager-page2.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 69951393 | XXX | XXX D B A C | Closed | FCRE8611 | 2025-12-08 21:03 | 2026-01-05 16:23 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Received lease agreements for ADU. DSCR now over 1.0. - Due Diligence Vendor-01/05/2026 <br> Ready for Review-Document Uploaded. Leases. - Seller-01/02/2026 <br> Open-Audited DSCR is XXX, per guidelines minimum DSCR required is 1. Submitted DSCR calculation reflects rental lease agreement amount form the ADU only with a DSCR of .XXX. Subject to unit 1 lease agreement submitted and recalculation of DSCR. - Due Diligence Vendor-12/09/2025 | Ready for Review-Document Uploaded. Leases. - Seller-01/02/2026<br>| Resolved-Received lease agreements for ADU. DSCR now over 1.0. - Due Diligence Vendor-01/05/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | Lease XXX XXX XXX Extension.pdf<br> Lease-ADU - XXX XXX XXXpdf<br> Original Lease - XXX XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 69951393 | XXX | XXX D B A C | Closed | FCRE1204 | 2025-12-05 16:56 | 2026-01-05 16:16 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received Cleared fraud report reflecting explanation for clearance of high alerts. - Due Diligence Vendor-01/05/2026 <br> Ready for Review-Document Uploaded. Alerts cleared. - Seller-01/02/2026 <br> Open-Fraud Report Shows Uncleared Alerts Missing evidence open judgement reflecting on fraud report with XXX has been satisfied prior to closing as required by guidelines. - Due Diligence Vendor-12/05/2025 | Ready for Review-Document Uploaded. Alerts cleared. - Seller-01/02/2026<br>| Resolved-Received Cleared fraud report reflecting explanation for clearance of high alerts. - Due Diligence Vendor-01/05/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | XXX Updated Fraud.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 69951393 | XXX | XXX D B A C | Closed | FVAL9739 | 2025-12-08 21:53 | 2026-01-05 09:30 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Received appraisal transfer letter. - Due Diligence Vendor-01/05/2026 <br> Ready for Review-Document Uploaded. Appraisal Transfer letter. - Seller-01/02/2026 <br> Open-Missing appraisal transfer letter from XXX to XXX dba XXX. - Due Diligence Vendor-12/09/2025 | Ready for Review-Document Uploaded. Appraisal Transfer letter. - Seller-01/02/2026<br>| Resolved-Received appraisal transfer letter. - Due Diligence Vendor-01/05/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | Appraisal_Transfer_Letter XXX-XXX XXX- XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 69951393 | XXX | XXX D B A C | Closed | FCRE1166 | 2025-12-05 14:44 | 2026-01-05 09:29 | Waived | 1 - Information A | Credit | Insurance | Hazard Insurance Coverage is less than all Subject Lien(s) | Waived-Upon additional review, Client elects to waive with Comp Factors. - Due Diligence Vendor-01/05/2026 <br> Ready for Review-Document Uploaded. Exception form issued by UW. - Seller-01/02/2026 <br> Open-Hazard Insurance Coverage Amount of $XXX is less than Total Amount of Subject Lien(s) of $XXXnullnull Missing an active hazard insurance policy, with sufficient coverage for the total combined liens of $ XXX. - Due Diligence Vendor-12/05/2025 | Ready for Review-Document Uploaded. Exception form issued by UW. - Seller-01/02/2026<br>| Waived-Upon additional review, Client elects to waive with Comp Factors. - Due Diligence Vendor-01/05/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 | 1) XXX FICO is greater than 700 minimum<br> 2) Over XXX months of Reserves | XXX - Exception Request Form.PDF | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes |
| XXX | 69951393 | XXX | XXX D B A C | Closed | FCRE1630 | 2025-12-08 21:29 | 2026-01-05 09:29 | Waived | 2 - Non-Material C B | Credit | Title | Vested Owner Signature Does Not Meet Requirements | Waived-Upon additional review, Client elects to waive with Comp Factors. - Due Diligence Vendor-01/05/2026 <br> Ready for Review-Exception form issued by UW. - Seller-01/02/2026 <br> Open-Vested Owner Signature Does Not Meet Requirements DSCR program borrower closing in the name of XXX. Per guidelines all persons with 25% or greater ownership must be an application on the loan transaction. Subject to additional conditions upon receipt. - Due Diligence Vendor-12/09/2025 | Ready for Review-Exception form issued by UW. - Seller-01/02/2026<br>| Waived-Upon additional review, Client elects to waive with Comp Factors. - Due Diligence Vendor-01/05/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 | 1) XXX FICO is greater than 700 minimum<br> 2) Over XXX months of Reserves |  | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes |
| XXX | 69951393 | XXX | XXX D B A C | Closed | FCOM1231 | 2025-12-05 14:36 | 2025-12-11 20:19 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Received Initial Uniform Residential Loan Application. - Due Diligence Vendor-12/12/2025 <br>Ready for Review-Document Uploaded. - Seller-12/12/2025 <br>Open-The Initial 1003 is Missing - Due Diligence Vendor-12/05/2025 | Ready for Review-Document Uploaded. - Seller-12/12/2025<br>| Resolved-Received Initial Uniform Residential Loan Application. - Due Diligence Vendor-12/12/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | Initial 1003.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 62299726 | XXX | XXX D B A C | Closed | FVAL9739 | 2025-12-26 16:12 | 2026-01-13 13:30 | Waived | 2 - Non-Material C B | Property | Appraisal | Property/Appraisal General | Waived-Upon additional review, Client elects to waive with Comp Factors. - Due Diligence Vendor-01/13/2026 <br> Ready for Review-Document Uploaded. Replacement Cost estimator to satisfy HOI condition. - Seller-01/13/2026 <br> Counter-Received exception waiver, however unable to grant multiple exceptions. Pending additional information. - Due Diligence Vendor-01/13/2026 <br> Ready for Review-Document Uploaded. Exception uploaded. - Seller-01/12/2026 <br> Counter-Received revised appraisal reflecting property sketch with gla measurements. However, Appraisal reflects Detached single family with two ADUs and exceeds guideline maximum of 1 ADU per single family residential unit. - Due Diligence Vendor-01/06/2026 <br> Ready for Review-Document Uploaded. Updated Appraisal report with property sketch with GLA measurements. - Seller-01/06/2026 <br> Counter-Received Appraisal Transfer Letter which is not applicable to condition. Appraisal reflects Detached single family with two ADUs and exceeds guideline maximum of 1 ADU per single family residential unit. Additionally, missing copy of appraisers property sketch with gla measurements. - Due Diligence Vendor-01/02/2026 <br> Ready for Review-Document Uploaded. - Seller-01/02/2026 <br> Open-Appraisal reflects Detached single family with two ADUs and exceeds guideline maximum of 1 ADU per single family residential unit. Additionally, missing copy of appraisers property sketch with gla measurements. - Due Diligence Vendor-12/26/2025 | Ready for Review-Document Uploaded. Replacement Cost estimator to satisfy HOI condition. - Seller-01/13/2026 <br>Ready for Review-Document Uploaded. Exception uploaded. - Seller-01/12/2026 <br>Ready for Review-Document Uploaded. Updated Appraisal report with property sketch with GLA measurements. - Seller-01/06/2026 <br>Ready for Review-Document Uploaded. - Seller-01/02/2026<br>| Waived-Upon additional review, Client elects to waive with Comp Factors. - Due Diligence Vendor-01/13/2026<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 75%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% | 1) XXX% LTV is less than 75% maximum<br> 2) XXX% DTI is less than 50% maximum<br> 3) XXX months of reserves are greater than 1 month minimum | Appraisal_Transfer_Letter XXX-XXX XXX- XXX.pdf<br> XXX-XXX, XXX V2.pdf<br> XXX - Exception Request Form.PDF<br> RCE XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes |
| XXX | 62299726 | XXX | XXX D B A C | Closed | FCRE1167 | 2025-12-05 13:38 | 2026-01-13 13:26 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s)and Replacement Cost Estimator by Insurer was not Provided | Resolved-Received RCE reflecting sufficient HOI coverage. - Due Diligence Vendor-01/13/2026 <br> Counter-Received snippet of guidelines, however insufficient to clear condition. Missing RCE reflecting sufficient policy coverage. - Due Diligence Vendor-12/26/2025 <br> Ready for Review-Document Uploaded. Refer to the attached snippet of the guidelines. - Seller-12/23/2025 <br> Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage of $593100 is less than all Subject Lien(s), and Guaranteed Replacement Coverage is provided but Replacement Cost Estimator by Insurer was not Provided Missing an active hazard insurance policy, reflecting the policy number and providing sufficient coverage for the total combined liens of $XXX. Or a statement from the insurance company stating the maximum value they will insure. Additional conditions may apply upon receipt. - Due Diligence Vendor-12/12/2025 | Ready for Review-Document Uploaded. Refer to the attached snippet of the guidelines. - Seller-12/23/2025<br>| Resolved-Received RCE reflecting sufficient HOI coverage. - Due Diligence Vendor-01/13/2026<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 75%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  | HOI LOE.png | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 62299726 | XXX | XXX D B A C | Closed | FCRE7878 | 2025-12-12 14:27 | 2026-01-05 17:35 | Resolved | 1 - Information B A | Credit | Data | Final 1008 Total Debt income Ratio Variance | Resolved-Documentation sufficient to resolve condition. - Due Diligence Vendor-01/05/2026 <br> Ready for Review-Document Uploaded. Refer to UW notes on income worksheet. - Seller-01/05/2026 <br> Counter-Received lender explanation however, insufficient to clear. The 1008 reflects B1 income of $XXX plus other income-rental of $XXX totaling $XXX. Final URLA reflects self-employment earnings of $XXX and calculated net REO losses of $. Per income worksheet and URLA borrower is self-employed landlord. Guidelines do not permit use of bank statements for self-employment and rental earnings and require rental in come to be deducted from the income calculation. Lender's income calculation worksheet does not show exclusion of any rental earnings - all deposits were used for 'landlord' income and appears to be double allowing the rental income. Unable to determine final qualifying income from self-employment. - Due Diligence Vendor-12/26/2025 <br> Ready for Review-We have it excluded please refer to the "excluded deposits" section on the income sheet, these are not included in the calculation so they were not considered and therefore we can utilize the rental income. - Seller-12/23/2025 <br> Open-Rental income from all properties is included in bank statement deposits and additional rental income cannot be used to qualify. Missing updated 1008 reflecting updated DTI. - Due Diligence Vendor-12/12/2025 | Ready for Review-Document Uploaded. Refer to UW notes on income worksheet. - Seller-01/05/2026 <br>Ready for Review-We have it excluded please refer to the "excluded deposits" section on the income sheet, these are not included in the calculation so they were not considered and therefore we can utilize the rental income. - Seller-12/23/2025<br>| Resolved-Documentation sufficient to resolve condition. - Due Diligence Vendor-01/05/2026<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 75%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  | Income Worksheet.xlsx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 62299726 | XXX | XXX D B A C | Closed | FCRE5116 | 2025-12-04 11:46 | 2026-01-05 17:26 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Documentation sufficient to resolve condition. - Due Diligence Vendor-01/05/2026 <br> Ready for Review-Document Uploaded. Below are the months that were paid from different accounts collectively. The bor paid his rent from 4 separate accts, each month. The 3 accts listed below are the accts and months I documented. The 4th acct is the business XXX acct we already have for the income.<br> XXX XxXXX – XXX toXXX<br> XXX xxXXX – XXX to XXX<br> XXX xxXXX – XXX - Seller-01/05/2026 <br> Ready for Review-Disregard, wrong documentation was uploaded. - Seller-01/02/2026 <br> Ready for Review-Document Uploaded. Lease agreements. - Seller-01/02/2026 <br> Counter-Duplicate documentation was submitted. Provided rent increase letter for the borrowers indicates that rent was raised from $XXX to $XXX effective XXX. However, the rental payment records provided for the period XXX–XXX show payments of $XXX, not $XXX or $XXX. Additional documentation is required to justify the lower $XXX payments and to clarify whether the rent increase was rescinded. - Due Diligence Vendor-12/26/2025 <br> Ready for Review-Document Uploaded. The borrower doesn't pay out of only one account, please review the attached, he pays out of multiple accounts and every month adds up to $XXX. The cancelled checks are acceptable per the guidelines. - Seller-12/23/2025 <br> Ready for Review-We have it excluded please refer to the "excluded deposits" section on the income sheet, these are not included in the calculation so they were not considered and therefore we can utilize the rental income. - Seller-12/23/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing VOR for primary housing to support rental payments of $XXX. Provided checks reflect payments of $XXX and lease agreement provided reflect rent of $XXX. - Due Diligence Vendor-12/05/2025 | Ready for Review-Document Uploaded. Below are the months that were paid from different accounts collectively. The bor paid his rent from 4 separate accts, each month. The 3 accts listed below are the accts and months I documented. The 4th acct is the business XXX acct we already have for the income.<br> XXX XxXXX – XXX to XXX<br> XXX xxXXX – XXX to XXX<br> XXX xxXXX – XXX - Seller-01/05/2026 <br> Ready for Review-Disregard, wrong documentation was uploaded. - Seller-01/02/2026 <br> Ready for Review-Document Uploaded. Lease agreements. - Seller-01/02/2026 <br> Ready for Review-Document Uploaded. The borrower doesn't pay out of only one account, please review the attached, he pays out of multiple accounts and every month adds up to $XXX. The cancelled checks are acceptable per the guidelines. - Seller-12/23/2025 <br> Ready for Review-We have it excluded please refer to the "excluded deposits" section on the income sheet, these are not included in the calculation so they were not considered and therefore we can utilize the rental income. - Seller-12/23/2025 | Resolved-Documentation sufficient to resolve condition. - Due Diligence Vendor-01/05/2026<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 75%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  | Verification of Rent XXX Multiple accounts.pdf<br> XXX Bank Statements - Rents.pdf<br> XXX XXX Bank Statements - Rents.pdf<br> XXX XXX Bank Statements - Rents.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 62299726 | XXX | XXX D B A C | Closed | FCRE1252 | 2025-12-11 23:02 | 2025-12-23 18:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Received title policy reflecting property address and sufficient title coverage. - Due Diligence Vendor-12/23/2025 <br>Ready for Review-Document Uploaded. - Seller-12/23/2025 <br>Open-Title Document is Incomplete Missing an updated title policy or title supplement reflecting the subject address and title policy coverage. - Due Diligence Vendor-12/12/2025 | Ready for Review-Document Uploaded. - Seller-12/23/2025<br>| Resolved-Received title policy reflecting property address and sufficient title coverage. - Due Diligence Vendor-12/23/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 75%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  | XXX FTP.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 62299726 | XXX | XXX D B A C | Closed | FCRE7497 | 2025-12-11 23:15 | 2025-12-22 12:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received final closing disclosures for the refinance of the non-subject properties located at XXX and XXX. - Due Diligence Vendor-12/22/2025 <br> Ready for Review-Document Uploaded. - Seller-12/20/2025 <br> Open-Missing final closing disclosure for the refinance of the non-subject properties located at XXX and XXX. Subject to additional conditions upon receipt. Subject to re-calculations of rental income. - Due Diligence Vendor-12/12/2025 | Ready for Review-Document Uploaded. - Seller-12/20/2025<br>| Resolved-Received final closing disclosures for the refinance of the non-subject properties located at XXX and XXX. - Due Diligence Vendor-12/22/2025 | LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 75%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  | CD XXX.pdf<br> CD XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 62299726 | XXX | XXX D B A C | Closed | FCOM1221 | 2025-12-05 15:05 | 2025-12-22 08:51 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Received Deed of Trust inclusive of Legal Description. - Due Diligence Vendor-12/22/2025 <br> Ready for Review-Document Uploaded. - Seller-12/20/2025 <br> Open-The Deed of Trust is Incomplete The Deed of Trust is missing the legal description attached as Exhibit A. Deed of Trust in file dated XXX reflects "SEE LEGAL DESCRIPTION ATTACHED HERETO AND MADE A PART HEREOF AS "EXHIBIT A"." on Page 2, however, Exhibit A is missing. Need full copy of Deed of Trust inclusive of Exhibit A Legal Description and any Riders. - Due Diligence Vendor-12/05/2025 | Ready for Review-Document Uploaded. - Seller-12/20/2025<br>| Resolved-Received Deed of Trust inclusive of Legal Description. - Due Diligence Vendor-12/22/2025<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 75%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  | Deed of Trust.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 65127822 | XXX | XXX D A | Closed | FCOM8805 | 2026-01-13 13:11 | 2026-01-22 14:54 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received borrower authorization. - Due Diligence Vendor-01/22/2026 <br> Ready for Review-Document Uploaded. - Seller-01/22/2026 <br> Counter-Received borrower authorization, however credit reference number does not match credit reference number of credit report pulled on XXX. - Due Diligence Vendor-01/15/2026 <br> Ready for Review-Document Uploaded. - Seller-01/15/2026 <br> Open-Credit report dated XXX pulled by "XXX" is dated prior to the borrower's authorization dated XXX. Missing documentation to support borrower's authorization to pull credit pulled on XXX - Due Diligence Vendor-01/13/2026 | Ready for Review-Document Uploaded. - Seller-01/22/2026 <br>Ready for Review-Document Uploaded. - Seller-01/15/2026<br>| Resolved-Received borrower authorization. - Due Diligence Vendor-01/22/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  | XXX LOE authorization.pdf<br> XXX LOE verbal authorization.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 63085175 | XXX | XXX D A | Closed | FCRE1365 | 2026-01-15 14:04 | 2026-02-05 12:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 IRS Transcripts Missing | Resolved-Received W2 transcripts. - Due Diligence Vendor-02/05/2026 <br>Ready for Review-Document Uploaded. - Seller-02/05/2026 <br>Open-Borrower 2 IRS Transcripts Missing As per guideline Missing W-2 transcripts - Due Diligence Vendor-01/15/2026 | Ready for Review-Document Uploaded. - Seller-02/05/2026<br>| Resolved-Received W2 transcripts. - Due Diligence Vendor-02/05/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | TRV (47).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 63085175 | XXX | XXX D A | Closed | FCRE1335 | 2026-01-15 14:04 | 2026-02-05 12:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Resolved-Received W2 transcripts. - Due Diligence Vendor-02/05/2026 <br>Ready for Review-Document Uploaded. - Seller-02/05/2026 <br>Open-Borrower 1 IRS Transcripts Missing As per guideline Missing W-2 transcripts - Due Diligence Vendor-01/15/2026 | Ready for Review-Document Uploaded. - Seller-02/05/2026<br>| Resolved-Received W2 transcripts. - Due Diligence Vendor-02/05/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | TRV (48).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 63085175 | XXX | XXX D A | Closed | FCRE1157 | 2026-01-15 13:22 | 2026-01-30 09:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Received current and renewal HOI policy. - Due Diligence Vendor-01/30/2026 <br>Ready for Review-Document Uploaded. - Seller-01/30/2026 <br>Open-Missing Hazard Insurance Policy - Due Diligence Vendor-01/15/2026 | Ready for Review-Document Uploaded. - Seller-01/30/2026<br>| Resolved-Received current and renewal HOI policy. - Due Diligence Vendor-01/30/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX HOI Renewal.pdf<br> XXX HOI.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 63085175 | XXX | XXX D A | Closed | FCRE1145 | 2026-01-15 13:28 | 2026-01-30 09:17 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Received preliminary title commitment. - Due Diligence Vendor-01/30/2026 <br>Ready for Review-Document Uploaded. - Seller-01/30/2026 <br>Open-Title Document is missing - Due Diligence Vendor-01/15/2026 | Ready for Review-Document Uploaded. - Seller-01/30/2026<br>| Resolved-Received preliminary title commitment. - Due Diligence Vendor-01/30/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX Title Commitment.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 63085175 | XXX | XXX D A | Closed | FCOM8805 | 2026-01-15 14:35 | 2026-01-27 17:05 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received borrower authorization. - Due Diligence Vendor-01/27/2026 <br> Ready for Review-Document Uploaded. - Seller-01/27/2026 <br> Open-Credit report dated XXX pulled by XXX is dated prior to the borrower's authorization dated XXX. Missing documentation to support borrower's authorization to pull credit pulled on XXX - Due Diligence Vendor-01/15/2026 | Ready for Review-Document Uploaded. - Seller-01/27/2026<br>| Resolved-Received borrower authorization. - Due Diligence Vendor-01/27/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX borrower's authorization.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 63085175 | XXX | XXX D A | Closed | FCRE5782 | 2026-01-15 13:36 | 2026-01-23 16:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-received gap report. No new tradelines. - Due Diligence Vendor-01/23/2026 <br> Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/23/2026 <br> Ready for Review-Document Uploaded. - Seller-01/23/2026 <br> Open-Borrower 1 Gap Credit Report is Missing Missing Gap report which is required if Note date is greater than 30 days after the date of the original credit report of XXX. - Due Diligence Vendor-01/15/2026 | Ready for Review-Document Uploaded. - Seller-01/23/2026<br>| Resolved-received gap report. No new tradelines. - Due Diligence Vendor-01/23/2026 <br>Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-01/23/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | credrepviewer.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 68428191 | XXX | XXX D A | Closed | FCRE1630 | 2026-01-09 19:15 | 2026-01-14 14:47 | Resolved | 1 - Information C A | Credit | Title | Vested Owner Signature Does Not Meet Requirements | Resolved-Received supporting business documentation. - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Document Uploaded. - Seller-01/14/2026 <br> Counter-Received Operating Agreement, Certificate of Formation and EIN. Still missing Certificate of Good Standing. - Due Diligence Vendor-01/12/2026 <br> Ready for Review-Document Uploaded. - Seller-01/12/2026 <br> Open-Vested Owner Signature Does Not Meet Requirements Borrower are closing in the name of XXX. As required by guidelines the following documentation is required: 1. Formation and Operating documents ;2. Articles of Incorporation and bylaws; 3. Certificate of Formation and Operating Agreement, or Partnership Agreement; 4. Tax Identification Number and 5. Certificate of Good Standing. <br> - Due Diligence Vendor-01/10/2026 | Ready for Review-Document Uploaded. - Seller-01/14/2026 <br>Ready for Review-Document Uploaded. - Seller-01/12/2026<br>| Resolved-Received supporting business documentation. - Due Diligence Vendor-01/14/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | XXX Cert of Org.pdf<br> XXX Operating Agreement.pdf<br> XXX Cert of Good Standing.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 68428191 | XXX | XXX D A | Closed | FCRE7497 | 2026-01-09 19:01 | 2026-01-14 14:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received PITIA for non-subject property located at 'XXX'. - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Document Uploaded. - Seller-01/14/2026 <br> Counter-Documentation received is not applicable to this condition. Still missing PITIA for non-subject property located at 'XXX'. - Due Diligence Vendor-01/12/2026 <br> Ready for Review-Document Uploaded. - Seller-01/12/2026 <br> Open-Missing PITIA for non-subject property located at 'XXX'. - Due Diligence Vendor-01/10/2026 | Ready for Review-Document Uploaded. - Seller-01/14/2026 <br>Ready for Review-Document Uploaded. - Seller-01/12/2026<br>| Resolved-Received PITIA for non-subject property located at 'XXX'. - Due Diligence Vendor-01/14/2026 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | XXX EIN docs.pdf<br> XXX XXX 1st payment letter.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 68428191 | XXX | XXX D A | Closed | FCOM6613 | 2026-01-09 18:45 | 2026-01-12 16:28 | Resolved | 1 - Information D A | Credit | Missing Doc | MRD Missing Income Calculations Worksheet | Resolved-Received self-employment income worksheet. - Due Diligence Vendor-01/12/2026 <br>Ready for Review-Document Uploaded. - Seller-01/12/2026 <br>Open-Missing Lender Self - employment income analysis worksheet. - Due Diligence Vendor-01/09/2026 | Ready for Review-Document Uploaded. - Seller-01/12/2026<br>| Resolved-Received self-employment income worksheet. - Due Diligence Vendor-01/12/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | XXX INCOME WORKSHEET.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 68862266 | XXX | XXX D A | Closed | FCRE7497 | 2025-12-31 10:28 | 2026-01-05 09:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received Final CD for purchase of XXX. - Due Diligence Vendor-01/05/2026 <br> Ready for Review-Document Uploaded. - Seller-01/02/2026 <br> Open-Missing evidence of PITIA (mortgage coupon; insurance; property taxes; HOA coupon) for property located at: XXX. This is for a new property with financing thru XXX #XXX. Subject to recalculation of DTI. - Due Diligence Vendor-12/31/2025 | Ready for Review-Document Uploaded. - Seller-01/02/2026<br>| Resolved-Received Final CD for purchase of XXX. - Due Diligence Vendor-01/05/2026 | LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 80%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | CD XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 68862266 | XXX | XXX D A | Closed | FCRE1204 | 2025-12-18 13:58 | 2026-01-05 09:41 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received Cleared fraud report reflecting explanation for clearance of high alerts. - Due Diligence Vendor-01/05/2026 <br>Ready for Review-Document Uploaded. - Seller-01/02/2026 <br>Open-Fraud Report Shows Uncleared Alerts Missing documentation to support lender addressed and cleared all the high impact items reflected on the fraud report. - Due Diligence Vendor-12/31/2025 | Ready for Review-Document Uploaded. - Seller-01/02/2026<br>| Resolved-Received Cleared fraud report reflecting explanation for clearance of high alerts. - Due Diligence Vendor-01/05/2026<br>| LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 80%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 68862266 | XXX | XXX D A | Closed | FCOM8805 | 2025-12-31 10:59 | 2026-01-05 09:40 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received borrower authorization. - Due Diligence Vendor-01/05/2026 <br> Ready for Review-Document Uploaded. - Seller-01/02/2026 <br> Open-Credit report dated XXX pulled by XXX is dated prior to the borrower's authorization dated XXX. Missing documentation to support borrower's authorization to pull credit pulled on XXX. - Due Diligence Vendor-12/31/2025 | Ready for Review-Document Uploaded. - Seller-01/02/2026<br>| Resolved-Received borrower authorization. - Due Diligence Vendor-01/05/2026<br>| LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 80%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | Credit Auth.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 61687096 | XXX | XXX D A C | Closed | FCRE1254 | 2025-12-22 18:10 | 2025-12-31 13:50 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received final title policy reflected as Cleared with no exceptions. - Due Diligence Vendor-12/31/2025 <br> Ready for Review-Document Uploaded. - Seller-12/30/2025 <br> Counter-Received Judgement and Lien Affidavits, however they are incomplete and insufficient to clear condition. Still missing documentation to support title item have been satisfactorily addressed/removed: (1) #14 (1 judgment and 3 ECB items), (2)#19 proof borrower is one in same person as grantee named in deed dated XXX. - Due Diligence Vendor-12/26/2025 <br> Ready for Review-Document Uploaded. - Seller-12/26/2025 <br> Open-Property Title Issue Missing documentation to support title item have been satisfactorily addressed/removed: (1) #14 (1 judgment and 3 ECB items), (2)#19 proof borrower is one in same person as grantee named in deed dated XXX. - Due Diligence Vendor-12/22/2025 | Ready for Review-Document Uploaded. - Seller-12/30/2025 <br>Ready for Review-Document Uploaded. - Seller-12/26/2025<br>| Resolved-Received final title policy reflected as Cleared with no exceptions. - Due Diligence Vendor-12/31/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | Judgment and Lien Aff.pdf<br>Policy.pdf | ATR/QM: Exempt | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| XXX | 61687096 | XXX | XXX D A C | Closed | FCRE1159 | 2025-12-29 14:37 | 2025-12-30 14:39 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received HOI in effect at time of loan closing. - Due Diligence Vendor-12/30/2025 <br> Ready for Review-Document Uploaded. Hello, starting page 21 is XXX-XXX - Seller-12/30/2025 <br> Open-Hazard Insurance Effective Date of XXX is after the Note Date of XXX - Due Diligence Vendor-12/29/2025 | Ready for Review-Document Uploaded. Hello, starting page 21 is XXX-XXX - Seller-12/30/2025 | Resolved-Received HOI in effect at time of loan closing. - Due Diligence Vendor-12/30/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | XXX ins EOI.pdf | ATR/QM: Exempt | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| XXX | 61687096 | XXX | XXX D A C | Closed | FCRE1157 | 2025-12-17 15:09 | 2025-12-29 14:37 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-12/29/2025 <br>Ready for Review-Document Uploaded. - Seller-12/29/2025 <br>Counter-Received email from insurance agent, however still missing Hazard Insurance Policy Subject to re-calculation of DSCR upon receipt. - Due Diligence Vendor-12/25/2025 <br>Ready for Review-Document Uploaded. - Seller-12/24/2025 <br>Open-Missing Hazard Insurance Policy Subject to re-calculation of DSCR upon receipt. - Due Diligence Vendor-12/22/2025 | Ready for Review-Document Uploaded. - Seller-12/29/2025 <br>Ready for Review-Document Uploaded. - Seller-12/24/2025<br>| Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-12/29/2025<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | XXX ins.pdf<br> XXX ins EOI.pdf | ATR/QM: Exempt | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| XXX | 61687096 | XXX | XXX D A C | Closed | FCOM3579 | 2025-12-22 17:54 | 2025-12-29 09:56 | Resolved | 1 - Information C A | Compliance | State Reg | NY CEMA loan | Resolved-Documentation received to evidence satisfaction of loan #2 dated XXX in the amount of $XXX. - Due Diligence Vendor-12/29/2025 <br> Ready for Review-Document Uploaded. - Seller-12/24/2025 <br> Open-Senior lien is a CEMA consolidating prior 1st and 2nd loans. Title shows prior loans loan in the amount of $XXX dated XXX reflects incorrect SAT dated XXX and only satisfies Mortgage #1. Missing copy of satisfaction for loan #2 dated XXX in the amount of $XXX (copy of original Note was provided - need evidence of satisfaction). - Due Diligence Vendor-12/22/2025 | Ready for Review-Document Uploaded. - Seller-12/24/2025<br>| Resolved-Documentation received to evidence satisfaction of loan #2 dated XXX in the amount of $XXX. - Due Diligence Vendor-12/29/2025 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | DocImage - XXX.pdf | ATR/QM: Exempt | ATR/QM: Not Applicable | XXX | XXX | Investment | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| XXX | 67452962 | XXX | XXX D A | Closed | FCRE5782 | 2026-01-16 15:15 | 2026-01-20 15:27 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received gap credit report reflecting no new debt or inquires. - Due Diligence Vendor-01/20/2026 <br> Ready for Review-Document Uploaded. - Seller-01/20/2026 <br> Open-Borrower 1 Gap Credit Report is Missing Missing Gap report which is required if Note date is greater than 30 days after the date of the original credit report of XXX. - Due Diligence Vendor-01/20/2026 | Ready for Review-Document Uploaded. - Seller-01/20/2026<br>| Resolved-Received gap credit report reflecting no new debt or inquires. - Due Diligence Vendor-01/20/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX - UDN.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| XXX | 67452962 | XXX | XXX D A | Closed | FCRE1161 | 2026-01-16 14:48 | 2026-01-20 15:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Received Life of Loan flood certificate. - Due Diligence Vendor-01/20/2026 <br>Ready for Review-Document Uploaded. - Seller-01/20/2026 <br>Open-Missing Flood Certificate - Due Diligence Vendor-01/20/2026 | Ready for Review-Document Uploaded. - Seller-01/20/2026<br>| Resolved-Received Life of Loan flood certificate. - Due Diligence Vendor-01/20/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX - Flood Cert.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| XXX | 61811401 | XXX | XXX D A C | Closed | 1000135-1000385 | 2026-04-01 16:13 | 2026-04-01 16:16 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-Higher Priced Violation is Valid in XXX, however, Loan is Non-QM. - Due Diligence Vendor-04/01/2026 <br> Open-The loan's (9.995%) APR equals or exceeds the Federal HPML threshold of (9.72%). The threshold is determined by adding 3.5 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 (6.22%).(12 CFR 1026.35(a)(1)(iii)) - Due Diligence Vendor-04/01/2026 <br> Open- - Due Diligence Vendor-04/01/2026 |  | Resolved-Higher Priced Violation is Valid in XXX, however, Loan is Non-QM. - Due Diligence Vendor-04/01/2026 | Residual Income greater than minimum required - $XXX residual income is greater than minimum residual income required per guidelines $2650<br> LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 61811401 | XXX | XXX D A C | Closed | 1001288-1003549 | 2026-04-01 16:13 | 2026-04-01 16:15 | Resolved | 1 - Information C A | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (Junior Lien) | Resolved-QM Violation is Valid in XXX, however, Loan is Non-QM. - Due Diligence Vendor-04/01/2026 <br> Open-The loan's (9.995%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (9.72%), which is the comparable average prime offer rate of (6.22%) plus 3.5. The System used the following date to perform the APOR index lookup (2025-12-09). The system added 3.5 to the comparable APOR because the ($135,000.00) note amount equals or exceeds ($XXX). The system used an interest rate of (9.875%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (12 CFR 1026.43(e)(2)(vi)(E)) - Due Diligence Vendor-04/01/2026 <br> Open- - Due Diligence Vendor-04/01/2026 |  | Resolved-QM Violation is Valid in XXX, however, Loan is Non-QM. - Due Diligence Vendor-04/01/2026 | Residual Income greater than minimum required - $XXX residual income is greater than minimum residual income required per guidelines $2650<br> LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 61811401 | XXX | XXX D A C | Closed | FCRE7347 | 2025-12-24 16:23 | 2026-01-02 11:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Received 1007 Comparable Rent Schedule for XXX which is acceptable. - Due Diligence Vendor-01/02/2026 <br> Counter-Received Comparable Rent schedule, however insufficient to clear condition. Still missing lease agreement for XXX. - Due Diligence Vendor-12/31/2025 <br> Ready for Review-Document Uploaded. - Seller-12/31/2025 <br> Open-Missing lease agreement for property address "XXX". - Due Diligence Vendor-12/24/2025 | Ready for Review-Document Uploaded. - Seller-12/31/2025<br>| Resolved-Received 1007 Comparable Rent Schedule for XXX which is acceptable. - Due Diligence Vendor-01/02/2026 | Residual Income greater than minimum required - $XXX residual income is greater than minimum residual income required per guidelines $2650<br> LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX - 1007.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 61811401 | XXX | XXX D A C | Closed | FCOM4227 | 2025-12-24 15:53 | 2025-12-31 16:03 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received Closing Disclosure dated XXX. Compliance check including TRID monitoring complete with no conditions. - Due Diligence Vendor-12/31/2025 <br> Ready for Review-Document Uploaded. - Seller-12/30/2025 <br> Open-Missing Initial Closing Disclosure. Unable to perform Regulatory Compliance review and TRID Monitoring. - Due Diligence Vendor-12/24/2025 | Ready for Review-Document Uploaded. - Seller-12/30/2025<br>| Resolved-Received Closing Disclosure dated XXX. Compliance check including TRID monitoring complete with no conditions. - Due Diligence Vendor-12/31/2025 | Residual Income greater than minimum required - $XXX residual income is greater than minimum residual income required per guidelines $2650<br> LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | initial Closing Disclosure.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 61811401 | XXX | XXX D A C | Closed | FVAL1628 | 2025-12-29 19:44 | 2025-12-30 12:26 | Resolved | 1 - Information C A | Property | Property | No HOA fees on appraisal and property identified as a PUD | Resolved-Received evidence of HOA Due for subject property. - Due Diligence Vendor-12/30/2025 <br>Ready for Review-Document Uploaded. - Seller-12/30/2025 <br>Open-Missing HOA certificate. Subject to recalculation of DTI. - Due Diligence Vendor-12/30/2025 | Ready for Review-Document Uploaded. - Seller-12/30/2025<br>| Resolved-Received evidence of HOA Due for subject property. - Due Diligence Vendor-12/30/2025<br>| Residual Income greater than minimum required - $XXX residual income is greater than minimum residual income required per guidelines $2650<br> LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX HOA.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 61811401 | XXX | XXX D A C | Closed | FCRE5782 | 2025-12-24 14:44 | 2025-12-30 12:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDN report reflecting no new debt or inquiries. - Due Diligence Vendor-12/30/2025 <br>Ready for Review-Document Uploaded. - Seller-12/30/2025 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-12/24/2025 | Ready for Review-Document Uploaded. - Seller-12/30/2025<br>| Resolved-Received UDN report reflecting no new debt or inquiries. - Due Diligence Vendor-12/30/2025<br>| Residual Income greater than minimum required - $XXX residual income is greater than minimum residual income required per guidelines $2650<br> LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | UDN.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 61811401 | XXX | XXX D A C | Closed | FVAL9739 | 2025-12-29 19:53 | 2025-12-30 12:22 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Received property condition report reflecting no issues. - Due Diligence Vendor-12/30/2025 <br>Ready for Review-Document Uploaded. - Seller-12/30/2025 <br>Open-Missing Property Condition Inspection report. - Due Diligence Vendor-12/30/2025 | Ready for Review-Document Uploaded. - Seller-12/30/2025<br>| Resolved-Received property condition report reflecting no issues. - Due Diligence Vendor-12/30/2025<br>| Residual Income greater than minimum required - $XXX residual income is greater than minimum residual income required per guidelines $2650<br> LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX PCR.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 61811401 | XXX | XXX D A C | Closed | FCOM8805 | 2025-12-24 16:28 | 2025-12-30 12:20 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received borrower authorization. - Due Diligence Vendor-12/30/2025 <br> Ready for Review-Document Uploaded. - Seller-12/30/2025 <br> Open-Credit report dated XXX pulled by XXX is dated prior to the borrower's authorization dated XXX. Missing documentation to support borrower's authorization to pull credit pulled on XXX. - Due Diligence Vendor-12/24/2025 | Ready for Review-Document Uploaded. - Seller-12/30/2025<br>| Resolved-Received borrower authorization. - Due Diligence Vendor-12/30/2025<br>| Residual Income greater than minimum required - $XXX residual income is greater than minimum residual income required per guidelines $2650<br> LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | CREDIT_Authorization.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 69011937 | XXX | XXX D A | Closed | FCRE7375 | 2026-01-05 10:29 | 2026-01-06 15:55 | Resolved | 1 - Information C A | Credit | Borrower | Citizenship Does Not Meet Guideline Requirements | Resolved-Received guideline clarification-H4 is acceptable. - Due Diligence Vendor-01/06/2026 <br>Counter-Lender commentary received. Eligible VISA types are not specific to whether income is being used to qualify. Missing evidence H4 visa is an acceptable visa type per guidelines. - Due Diligence Vendor-01/05/2026 <br>Ready for Review-We are not using B2's income, can you please clarify this condition? Thank you in advance. - Seller-01/05/2026 <br>Open-Missing evidence VISA type H4 is valid. Per guidelines, this is not listed as an acceptable VISA Type. - Due Diligence Vendor-01/05/2026 | Ready for Review-We are not using B2's income, can you please clarify this condition? Thank you in advance. - Seller-01/05/2026<br>| Resolved-Received guideline clarification-H4 is acceptable. - Due Diligence Vendor-01/06/2026<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 69011937 | XXX | XXX D A | Closed | FCOM8805 | 2025-12-30 16:15 | 2026-01-05 13:22 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received borrower authorization. - Due Diligence Vendor-01/05/2026 <br> Ready for Review-Document Uploaded. - Seller-01/05/2026 <br> Open-Credit report dated XXX pulled by XXX is dated prior to the borrower's authorization dated XXX. Missing documentation to support borrower's authorization to pull credit pulled on XXX. - Due Diligence Vendor-12/30/2025 | Ready for Review-Document Uploaded. - Seller-01/05/2026<br>| Resolved-Received borrower authorization. - Due Diligence Vendor-01/05/2026<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | XXX - CREDIT_Authorization.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 69011937 | XXX | XXX D A | Closed | FCRE5783 | 2025-12-30 13:15 | 2026-01-05 13:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received gap credit report reflecting no new debt or inquiries. - Due Diligence Vendor-01/05/2026 <br> Ready for Review-Document Uploaded. - Seller-01/05/2026 <br> Open-Borrower 2 Gap Credit Report is Missing Missing GAP Credit Report dated within 30 days of Note Date. Subject to recalculation of DTI. - Due Diligence Vendor-01/05/2026 | Ready for Review-Document Uploaded. - Seller-01/05/2026<br>| Resolved-Received gap credit report reflecting no new debt or inquiries. - Due Diligence Vendor-01/05/2026<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | XXX - UDN.pdf<br> XXX - UDN.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 69011937 | XXX | XXX D A | Closed | FCRE5782 | 2025-12-30 13:15 | 2026-01-05 13:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received gap credit report reflecting no new debt or inquiries. - Due Diligence Vendor-01/05/2026 <br>Ready for Review-Document Uploaded. - Seller-01/05/2026 <br>Open-Borrower 1 Gap Credit Report is Missing Missing GAP Credit Report dated within 30 days of Note Date. Subject to recalculation of DTI. - Due Diligence Vendor-01/05/2026 | Ready for Review-Document Uploaded. - Seller-01/05/2026<br>| Resolved-Received gap credit report reflecting no new debt or inquiries. - Due Diligence Vendor-01/05/2026<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | XXX - UDN.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 68265891 | XXX | XXX D A | Closed | FCRE5782 | 2026-01-06 13:52 | 2026-01-12 16:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received supporting documentation for new loan terms. - Due Diligence Vendor-01/12/2026 <br> Ready for Review-Document Uploaded. - Seller-01/09/2026 <br> Counter-Received UDN, however insufficient to support the mortgage balance and payment information requested. Unable to determine final DTI and CLTV due to incomplete senior lien information. Current 1st lien mortgage recorded XXX #XXX $XXX, loan funded XXX and to show previous lien has zero balance XXX #XXX, $XXX (per Title supplement this loan to be removed from final policy). Mortgage statements provided are dated to XXX and do not reflect the updated loan terms per new Note dated XXX. - Due Diligence Vendor-01/09/2026 <br> Ready for Review-Document Uploaded. - Seller-01/08/2026 <br> Open-Borrower 1 Gap Credit Report is Missing Missing GAP report dated within 30 days of Note to capture most current 1st lien mortgage recorded XXX #XXX $XXX, loan funded XXX and to show previous lien has zero balance XXX #XXX $XXX (per Title supplement this loan to be removed from final policy). Mortgage statements provided are dated to XXX and do not reflect the updated loan terms per new Note dated XXX. - Due Diligence Vendor-01/08/2026 | Ready for Review-Document Uploaded. - Seller-01/09/2026 <br>Ready for Review-Document Uploaded. - Seller-01/08/2026<br>| Resolved-Received supporting documentation for new loan terms. - Due Diligence Vendor-01/12/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | UDN.pdf<br> XXX 1st td note & Hud-1 recently refinance on XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 64725314 | XXX | XXX D A C | Closed | FCRE1204 | 2026-01-02 11:00 | 2026-01-27 16:57 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received revised URLA reflecting additional REOs per fraud report. - Due Diligence Vendor-01/27/2026 <br> Ready for Review-Document Uploaded. - Seller-01/27/2026 <br> Counter-Received updated URLA reflecting property at XXXX. Still missing property at XXX - Fraud tool shows borrower owns with outstanding obligation in original amount of $XXX. - Due Diligence Vendor-01/23/2026 <br> Ready for Review-Document Uploaded. - Seller-01/23/2026 <br> Counter-Received Lender LOX, however insufficient to clear condition as guidelines require REO section on URLA to be fully completed to include mortgages, payment, etc. Still missing updated 1003 reflecting Undisclosed properties located at XXX and XXX. - Due Diligence Vendor-01/08/2026 <br> Ready for Review-Document Uploaded. - Seller-01/08/2026 <br> Open-Fraud Report Shows Uncleared Alerts Missing updated 1003 reflecting Undisclosed properties located at XXX and XXX. - Due Diligence Vendor-01/05/2026 | Ready for Review-Document Uploaded. - Seller-01/27/2026 <br>Ready for Review-Document Uploaded. - Seller-01/23/2026 <br>Ready for Review-Document Uploaded. - Seller-01/08/2026<br>| Resolved-Received revised URLA reflecting additional REOs per fraud report. - Due Diligence Vendor-01/27/2026<br>| LTV is less than guideline maximum - XXX% CTV is XXX% less than maximum CLTV per guidelines 80%.<br> DSCR ratio greater than guideline requirement - Calculated DSCR XXX, minimum DSCR per guidelines is 1. |  | fraud with comments.pdf<br> XXX URLA (1003_65) - All Pages XXX.pdf<br> XXX URLA (1003_65) - All Pages.pdf<br> XXX URLA (1003_65) - XXX XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | Investment | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| XXX | 64725314 | XXX | XXX D A C | Closed | FCOM8805 | 2026-01-02 12:06 | 2026-01-08 12:56 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received borrower authorization. - Due Diligence Vendor-01/08/2026 <br> Ready for Review-Document Uploaded. - Seller-01/08/2026 <br> Open-Credit report dated XXX pulled by XXX is dated prior to the borrower's authorization dated XXX. Missing documentation to support borrower's authorization to pull credit pulled on XXX. - Due Diligence Vendor-01/02/2026 | Ready for Review-Document Uploaded. - Seller-01/08/2026<br>| Resolved-Received borrower authorization. - Due Diligence Vendor-01/08/2026<br>| LTV is less than guideline maximum - XXX% CTV is XXX% less than maximum CLTV per guidelines 80%.<br> DSCR ratio greater than guideline requirement - Calculated DSCR XXX, minimum DSCR per guidelines is 1. |  | Borrower's Certification & Authorization.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | Investment | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| XXX | 67397795 | XXX | XXX C A | Closed | FCRE1166 | 2026-01-27 09:31 | 2026-02-11 16:53 | Resolved | 1 - Information A | Credit | Insurance | Hazard Insurance Coverage is less than all Subject Lien(s) | Resolved-Received supporting documentation. - Due Diligence Vendor-02/11/2026 <br> Ready for Review-Document Uploaded. based on page 63 of the full HOI policy uploaded the $XXX of coverage is based on Replacement cost value, meaning that this policy does have full replacement cost so additional coverage is not needed. - Seller-02/11/2026 <br> Counter-Received online replacement cost tool, however insufficient to clear condition as it is not specific to borrower/property address and is not issued by the insurance company. - Due Diligence Vendor-01/29/2026 <br> Ready for Review-Document Uploaded. - Seller-01/29/2026 <br> Counter-Lender commentary received, however insufficient to clear condition as HOI coverage must cover all liens on the property. Missing updated HOI policy reflecting coverage of $XXX, or a statement from the insurance company stating the maximum value they will insure. - Due Diligence Vendor-01/28/2026 <br> Ready for Review-HOI is required to cover loan amount- our loan amount is $XXX - Seller-01/28/2026 <br> Open-Hazard Insurance Coverage Amount of $XXX is less than Total Amount of Subject Lien(s) of $XXX Missing an active hazard insurance policy, with sufficient coverage for the total combined liens of $$XXX, or a statement from the insurance company stating the maximum value they will insure. - Due Diligence Vendor-01/28/2026 | Ready for Review-Document Uploaded. based on page 63 of the full HOI policy uploaded the $XXX of coverage is based on Replacement cost value, meaning that this policy does have full replacement cost so additional coverage is not needed. - Seller-02/11/2026 <br> Ready for Review-Document Uploaded. - Seller-01/29/2026 <br> Ready for Review-HOI is required to cover loan amount- our loan amount is $XXX - Seller-01/28/2026 | Resolved-Received supporting documentation. - Due Diligence Vendor-02/11/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | XXX replacement calulator.pdf<br> Amended+PolicyXXX_XXX.pdf<br> coverage check list based on replacement cost.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 67397795 | XXX | XXX C A | Closed | FCRE4963 | 2026-01-27 21:31 | 2026-02-11 16:53 | Resolved | 1 - Information C A | Credit | Debt | No evidence of required debt payoff | Resolved-Received updated payoff statement which matches amount on Final Closing Disclosure. - Due Diligence Vendor-02/11/2026 <br> Ready for Review-Document Uploaded. - Seller-02/11/2026 <br> Counter-Received XXX payoff statement, however payoff is good thru XXX for a payoff balance of $XXX. Amount collected on Final Closing Disclosure of $XXX does not match payoff statement. Missing updated payoff statement for XXX reflecting payoff of $XXX per Final Closing Disclosure. - Due Diligence Vendor-01/28/2026 <br> Ready for Review-Document Uploaded. - Seller-01/28/2026 <br> Open-Missing payoff for lien paid off at closing reflected on Closing disclosure (XXX). - Due Diligence Vendor-01/28/2026 | Ready for Review-Document Uploaded. - Seller-02/11/2026 <br>Ready for Review-Document Uploaded. - Seller-01/28/2026<br>| Resolved-Received updated payoff statement which matches amount on Final Closing Disclosure. - Due Diligence Vendor-02/11/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | XXX Added Perdiem THRU XXX.pdf<br> payoff XXX XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 67397795 | XXX | XXX C A | Closed | FCRE1254 | 2026-01-27 21:27 | 2026-02-03 14:32 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received Notice of Termination and clear final title policy. - Due Diligence Vendor-02/03/2026 <br>Ready for Review-Document Uploaded. - Seller-02/03/2026 <br>Counter-Lender commentary received, however insufficient to clear condition as evidence must be in writing from the title company (email is sufficient.) - Due Diligence Vendor-01/28/2026 <br>Ready for Review-Confirmed with title that Lien item #10 reflected on Section B 1 of the title report will not be on the final policy - Seller-01/28/2026 <br>Open-Property Title Issue Missing documentation to support the Lien item #10 reflected on Section B 1 of the title report will not be on the final policy. - Due Diligence Vendor-01/28/2026 | Ready for Review-Document Uploaded. - Seller-02/03/2026 <br>Ready for Review-Confirmed with title that Lien item #10 reflected on Section B 1 of the title report will not be on the final policy - Seller-01/28/2026<br>| Resolved-Received Notice of Termination and clear final title policy. - Due Diligence Vendor-02/03/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | Release, revoke, satisfy, terminate - exec NOT (Executed Documents).pdf.pdf<br> XXX lender policy signed (1).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 63422887 | XXX | XXX D A | Closed | FCRE5782 | 2026-01-09 12:50 | 2026-01-16 13:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received supporting documentation for new XXX/XXX account and included in DTI. - Due Diligence Vendor-01/16/2026 <br> Ready for Review-Document Uploaded. new account, XXX, is accounted for on the updated 1003 and updated LT is provided. - Seller-01/16/2026 <br> Counter-Received gap credit report reflecting new account with XXX/XXX which is reporting, however payment information is missing. Missing documentation to support monthly payment amount for new XXX/XXX account. - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Document Uploaded. - Seller-01/14/2026 <br> Open-Borrower 1 Gap Credit Report is Missing Missing Gap report which is required if Note date is greater than 30 days after the date of the original credit report of XXX. - Due Diligence Vendor-01/12/2026 | Ready for Review-Document Uploaded. new account, XXX, is accounted for on the updated 1003 and updated LT is provided. - Seller-01/16/2026 <br> Ready for Review-Document Uploaded. - Seller-01/14/2026 | Resolved-Received supporting documentation for new XXX/XXX account and included in DTI. - Due Diligence Vendor-01/16/2026 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660 |  | credit refresh.pdf<br>new account - updated 1003 - updated lt.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 63422887 | XXX | XXX D A | Closed | FCRE1648 | 2026-01-09 12:21 | 2026-01-15 12:05 | Resolved | 1 - Information C A | Credit | Eligibility | Missing copy of senior lien Note or Mortgage statement to determine senior lien eligibility | Resolved-Received supporting documentation of loan modification in XXX. - Due Diligence Vendor-01/15/2026 <br> Ready for Review-Document Uploaded. - Seller-01/15/2026 <br> Open-Missing Modification agreement/forbearance agreement as the borrowers XXX mortgage statement reflects a non-interest-bearing deferral balance of $XXX. Per lender guidelines, deferred balances from modifications seasoned greater than 12 months may remain open. If seasoned less than or equal to 12 months, deferred balances must be paid through closing. Senior lien must be out of forbearance at time of application in order to be eligible. - Due Diligence Vendor-01/12/2026 | Ready for Review-Document Uploaded. - Seller-01/15/2026<br>| Resolved-Received supporting documentation of loan modification in XXX. - Due Diligence Vendor-01/15/2026 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660 |  | XXX Supp.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 63422887 | XXX | XXX D A | Closed | FCRE8611 | 2026-01-12 13:22 | 2026-01-14 13:19 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Received revised URLA reflecting updated employment and income. - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Document Uploaded. - Seller-01/14/2026 <br> Open-Final URLA reflects Borrower is self-employed with XXX earning an income amount of $XXX; however, per CPA letter in file the Co-Borrower owns 100% of the company. Missing updated URLA reflecting self-employed income and social security for Co-Borrower only. - Due Diligence Vendor-01/12/2026 | Ready for Review-Document Uploaded. - Seller-01/14/2026<br>| Resolved-Received revised URLA reflecting updated employment and income. - Due Diligence Vendor-01/14/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660 |  | XXX_loanapp.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 63422887 | XXX | XXX D A | Closed | 50001251-Fees-Limited | 2026-01-09 13:34 | 2026-01-14 12:16 | Resolved | 1 - Information C A | Compliance | Mavent | Fees: Limited | Resolved-Received Changed Circumstance for XXX Loan Estimate/Closing Disclosure Revision that reflects addition of Discount Points on XXX. - Due Diligence Vendor-01/14/2026 <br> Resolved- - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Document Uploaded. - Seller-01/14/2026 <br> Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: 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. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). Missing Valid Change of Circumstance dated XXX, or lender credit to cure fee that cannot increase. - Due Diligence Vendor-01/12/2026 <br> Open- - Due Diligence Vendor-01/12/2026 <br> Open- - Due Diligence Vendor-01/09/2026 <br> Open- - Due Diligence Vendor-01/09/2026 | Ready for Review-Document Uploaded. - Seller-01/14/2026<br>| Resolved-Received Changed Circumstance for XXX Loan Estimate/Closing Disclosure Revision that reflects addition of Discount Points on XXX. - Due Diligence Vendor-01/14/2026 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660 |  | COC Form.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 63422887 | XXX | XXX D A | Closed | FCOM8805 | 2026-01-09 14:28 | 2026-01-13 14:34 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received borrower authorization. - Due Diligence Vendor-01/13/2026 <br> Ready for Review-Document Uploaded. - Seller-01/13/2026 <br> Open-Credit report dated XXX pulled by XXX, Inc is dated prior to the borrower's authorization dated XXX. Missing documentation to support borrower's authorization to pull credit pulled on XXX. - Due Diligence Vendor-01/09/2026 | Ready for Review-Document Uploaded. - Seller-01/13/2026<br>| Resolved-Received borrower authorization. - Due Diligence Vendor-01/13/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660 |  | XXX XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| XXX | 69920586 | XXX | XXX D A C | Closed | FCRE1204 | 2026-01-02 12:53 | 2026-01-27 17:01 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received updated URLA reflecting additional REOs per fraud report. - Due Diligence Vendor-01/27/2026 <br> Ready for Review-Document Uploaded. - Seller-01/27/2026 <br> Counter-Received updated URLA reflecting property at XXX and XXX. However, still missing property at XXX on the URLA. Fraud report shows borrower is owner of property with outstanding mortgage obligation. Mortgage is reporting on supplemental credit update. Missing updated final 1003 reflecting this property. - Due Diligence Vendor-01/23/2026 <br> Open-Fraud Report Shows Uncleared Alerts. Missing updated Final 1003 reflecting Undisclosed properties located at XXX and XXX - Due Diligence Vendor-01/23/2026 <br> Ready for Review-Document Uploaded. - Seller-01/23/2026 <br> Counter-Received Lender LOX, however insufficient to clear condition as guidelines require REO section on URLA to be fully completed to include mortgages, payment, etc. Still missing updated 1003 reflecting Undisclosed properties located at XXX and XXX. - Due Diligence Vendor-01/08/2026 <br> Ready for Review-PLEASE DETAIL IF YOU NEED FRAUD OR UPDATED 1003 YOUR CONDITIONSD ARE CONFUSING - Seller-01/08/2026 | Ready for Review-Document Uploaded. - Seller-01/27/2026 <br>Ready for Review-Document Uploaded. - Seller-01/23/2026 <br>Ready for Review-PLEASE DETAIL IF YOU NEED FRAUD OR UPDATED 1003 YOUR CONDITIONSD ARE CONFUSING - Seller-01/08/2026<br>| Resolved-Received updated URLA reflecting additional REOs per fraud report. - Due Diligence Vendor-01/27/2026<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80%. |  | XXX URLA (1003_65) - All Pages XXX.pdf<br> XXX URLA (1003_65) - All Pages.pdf<br> XXX URLA (1003_65) - XXX XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | Investment | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| XXX | 69920586 | XXX | XXX D A C | Closed | FCOM8805 | 2026-01-02 13:13 | 2026-01-08 12:57 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received borrower authorization. - Due Diligence Vendor-01/08/2026 <br> Ready for Review-Document Uploaded. - Seller-01/08/2026 <br> Open-Credit report dated XXX pulled by XXX is dated prior to the borrower's authorization dated XXX. Missing documentation to support borrower's authorization to pull credit pulled on XXX - Due Diligence Vendor-01/02/2026 | Ready for Review-Document Uploaded. - Seller-01/08/2026<br>| Resolved-Received borrower authorization. - Due Diligence Vendor-01/08/2026<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80%. |  | Borrower's Certification & Authorization.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | Investment | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| XXX | 69156786 | XXX | XXX D A | Closed | FCOM8805 | 2026-01-06 12:54 | 2026-01-08 11:16 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received borrower authorization. - Due Diligence Vendor-01/08/2026 <br> Ready for Review-Document Uploaded. - Seller-01/08/2026 <br> Open-Credit report dated XXX pulled by XXX is dated prior to the borrower's authorization dated XXX. Missing documentation to support borrower's authorization to pull credit pulled on XXX - Due Diligence Vendor-01/06/2026 | Ready for Review-Document Uploaded. - Seller-01/08/2026<br>| Resolved-Received borrower authorization. - Due Diligence Vendor-01/08/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  | XXX borrower's authorization.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 66445566 | XXX | XXX D A | Closed | FCRE1335 | 2026-01-14 15:42 | 2026-01-22 14:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Resolved-Received XXX/XXX W2 transcripts. - Due Diligence Vendor-01/22/2026 <br> Ready for Review-Document Uploaded. - Seller-01/22/2026 <br> Open-Borrower 1 IRS Transcripts Missing Missing XXX & XXX Tax transcripts. - Due Diligence Vendor-01/14/2026 | Ready for Review-Document Uploaded. - Seller-01/22/2026<br>| Resolved-Received XXX/XXX W2 transcripts. - Due Diligence Vendor-01/22/2026 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 75% |  | transcripts.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 66445566 | XXX | XXX D A | Closed | FCRE3653 | 2026-01-14 15:41 | 2026-01-16 14:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Received borrower cash out letter. - Due Diligence Vendor-01/16/2026 <br>Ready for Review-Document Uploaded. - Seller-01/16/2026 <br>Open-Missing cash out letter of explanation. - Due Diligence Vendor-01/14/2026 | Ready for Review-Document Uploaded. - Seller-01/16/2026<br>| Resolved-Received borrower cash out letter. - Due Diligence Vendor-01/16/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 75% |  | LOE Cashout.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 66445566 | XXX | XXX D A | Closed | FCOM1221 | 2026-01-13 16:38 | 2026-01-16 13:54 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Received Mortgage inclusive of Legal Description. - Due Diligence Vendor-01/16/2026 <br> Ready for Review-Document Uploaded. - Seller-01/16/2026 <br> Open-The Deed of Trust is Incomplete The Mortgage is missing the legal description attached as Exhibit A. Mortgage in file dated XXX reflects "SEE LEGAL DESCRIPTION ATTACHED HERETO AND MADE A PART HEREOF AS "EXHIBIT A"." on Page 1, however, Exhibit A is missing. Need full copy of Mortgage inclusive of Exhibit A Legal Description and any Riders. - Due Diligence Vendor-01/13/2026 | Ready for Review-Document Uploaded. - Seller-01/16/2026<br>| Resolved-Received Mortgage inclusive of Legal Description. - Due Diligence Vendor-01/16/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 75% |  | XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 65217090 | XXX | XXX C A | Closed | FCRE1204 | 2026-01-23 15:06 | 2026-02-03 11:05 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Re-calculated debt ratio with net loss. Resolved. - Due Diligence Vendor-02/03/2026 <br> Counter-Emailed Lender with additional information. Condition remains. - Due Diligence Vendor-02/02/2026 <br> Ready for Review-Document Uploaded. - Seller-01/30/2026 <br> Counter-Received Supporting documentation and Lender LOX, however URLA submitted is for incorrect borrower. Missing updated URLA reflecting additional REO. Additionally, DTI is currently over 77% with XXX included in DTI at a loss. Subject to re-calculation of DTI upon receipt of correct URLA. - Due Diligence Vendor-01/29/2026 <br> Ready for Review-Document Uploaded. At the time we closed this loan the borrower did not close on XXX so we listed it as a dept since we new about it but since they did not own it we did not list as a REO. Attached please find a memo to the file detailing such along with final CD and updated 1003/1008 as loan closed with a slightly higher PITI then we were using (still under a 50% DTI) - Seller-01/29/2026 <br> Counter-Received sam.gov search and Lender LOX, however file is missing supporting PITIA for XXX. Subject to re-calculation of DTI upon receipt. - Due Diligence Vendor-01/28/2026 <br> Ready for Review-Document Uploaded. fraud with sam.gov and comments attached - Seller-01/28/2026 <br> Open-Fraud Report Shows Uncleared Alerts Missing PITIA for potential REO as reflected on the fraud report (XXX). Subject to additional conditions upon receipt. - Due Diligence Vendor-01/27/2026 | Ready for Review-Document Uploaded. - Seller-01/30/2026 <br> Ready for Review-Document Uploaded. At the time we closed this loan the borrower did not close on XXX so we listed it as a dept since we new about it but since they did not own it we did not list as a REO. Attached please find a memo to the file detailing such along with final CD and updated 1003/1008 as loan closed with a slightly higher PITI then we were using (still under a 50% DTI) - Seller-01/29/2026 <br> Ready for Review-Document Uploaded. fraud with sam.gov and comments attached - Seller-01/28/2026 | Resolved-Re-calculated debt ratio with net loss. Resolved. - Due Diligence Vendor-02/03/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700.<br> Residual Income greater than minimum required - $XXX residual income is greater than minimum residual income required per guidelines $2,800.<br> LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 80% |  | fraud with comments.pdf<br> 1008 - Transmittal Summary.pdf<br> XXX URLA (1003_65) - All Pages.pdf<br> Memo to file reo.pdf<br> XXX FINAL.pdf<br> XXX 1003.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 65217090 | XXX | XXX C A | Closed | 50001026-Fees-Limited | 2026-01-23 14:08 | 2026-01-29 10:15 | Resolved | 1 - Information C A | Compliance | Mavent | Fees: Limited | Resolved-Received Notice of Change Circumstances Reasons Closing Disclosure dated XXX with corresponding Closing Disclosure. - Due Diligence Vendor-01/29/2026 <br> Resolved- - Due Diligence Vendor-01/29/2026 <br> Ready for Review-Document Uploaded. - Seller-01/29/2026 <br> Counter-Received Notice of Change Circumstances Reasons Closing Disclosure dated XXX that reflects Borrower to pay a total of 2.825% in discount, however, need corresponding Closing Disclosure. - Due Diligence Vendor-01/28/2026 <br> Ready for Review-Document Uploaded. - Seller-01/28/2026 <br> Open-A Lender Credit for Excess Charges of ($XXX), Principal Reduction for Excess Charges of ($XXX), and general or specific lender credit increases of ($XXX) were applied to the total fee variance of ($XXX) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. On the Revised Closing Disclosure Issued XXX the "Points" increased without a valid Change of Circumstance, resulting in the following Fail: <br> A Lender Credit for Excess Charges of ($XXX), Principal Reduction for Excess Charges of ($XXX), and general or specific lender credit increases of ($XXX) were applied to the total fee variance of ($XXX) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-01/23/2026 <br> Open- - Due Diligence Vendor-01/23/2026 <br> Open- - Due Diligence Vendor-01/23/2026 <br> Open- - Due Diligence Vendor-01/23/2026 | Ready for Review-Document Uploaded. - Seller-01/29/2026 <br>Ready for Review-Document Uploaded. - Seller-01/28/2026<br>| Resolved-Received Notice of Change Circumstances Reasons Closing Disclosure dated XXX with corresponding Closing Disclosure. - Due Diligence Vendor-01/29/2026 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700.<br> Residual Income greater than minimum required - $XXX residual income is greater than minimum residual income required per guidelines $2,800.<br> LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 80% |  | COC XX.pdf<br> coc XXX.pdf<br> Closing Disclosure (Alternate).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 66283548 | XXX | XXX D B A | Closed | FCRE8611 | 2026-01-06 16:31 | 2026-01-28 08:45 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income/Employment General | Waived-Upon additional review, Client elects to waive with Comp Factors. - Due Diligence Vendor-01/28/2026 <br> Counter-Unable to consider exception waiver as only one allowed per file. Existing waiver for separate condition already exists on loan. - Due Diligence Vendor-01/27/2026 <br> Ready for Review-Document Uploaded. Exception approved by XXX. - Seller-01/27/2026 <br> Counter-Lender commentary received, however insufficient to clear condition. Per documentation provided, deposits of $XXX and $XXX do not match up to amount reflected on rent schedule or lease agreement. Still missing 2 months current receipt of rental income of subject property's ADU per guidelines. - Due Diligence Vendor-01/15/2026 <br> Ready for Review-The tenant for the ADU pays the borrower cash for the rent. The borrower keeps some of the cash but deposits $XXX of the rent each month. - Seller-01/15/2026 <br> Counter-Received 2 months assets statements, however deposits of $XXX and $XXX do not match up to amount reflected on rent schedule or lease agreement. Still missing 2 months current receipt of rental income of subject property's ADU per guidelines. - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Bank statements with rent deposits for ADU - Seller-01/13/2026 <br> Open-Missing 2 months current receipt of rental income of subject property's ADU per guidelines. - Due Diligence Vendor-01/06/2026 | Ready for Review-Document Uploaded. Exception approved by XXX. - Seller-01/27/2026 <br> Ready for Review-The tenant for the ADU pays the borrower cash for the rent. The borrower keeps some of the cash but deposits $XXX of the rent each month. - Seller-01/15/2026 <br> Ready for Review-Bank statements with rent deposits for ADU - Seller-01/13/2026 | Waived-Upon additional review, Client elects to waive with Comp Factors. - Due Diligence Vendor-01/28/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 | 1) XXX FICO is greater than 720 minimum<br> 2) XXX months of Reserves are greater than 0 required | XXX-statements-1803-.pdf<br> XXX-statements-1803-.pdf<br> Exception Form - VO.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes |
| XXX | 66283548 | XXX | XXX D B A | Closed | FPRO1242 | 2026-01-06 16:21 | 2026-01-28 08:44 | Waived | 2 - Non-Material D B | Property | Missing Doc | Appraisal is Missing | Waived-Upon additional review, Client elects to waive with Comp Factors. - Due Diligence Vendor-01/28/2026 <br> Counter-Unable to consider exception waiver as there is already a waiver for another condition. XXX allows only one waiver per loan. - Due Diligence Vendor-01/27/2026 <br> Waived-Exception waiver not eligible; Only one exception per file considered by investor. - Due Diligence Vendor-01/27/2026 <br> Ready for Review-This exception was approved directly by the investor. - Seller-01/26/2026 <br> Counter-Lender exception waiver provided, however an exception has already been made on the loan. Investor allows only 1 exception per loan. Original condition remains. - Due Diligence Vendor-01/22/2026 <br> Ready for Review-Document Uploaded. - Seller-01/21/2026 <br> Open-Missing Property Appraisal - Subject Property is a Single Family with ADU, in order to use Rental Income from ADU a Full Appraisal would be required with the following requirements met: Appraisal must reflect that the zoning compliance is legal (permits are not required to establish zoning compliance),• The appraisal must include at least two (2) sales comparables with an accessory unit, and Form 1007 must include at least one rental comparable with an accessory unit in which the ADU receives rental income. Market rent for the accessory unit should be documented on Form 1007, and the file must include a copy of the current lease with two (2) months proof of current receipt. An AVM & 1007 was submitted with file and does not meet these requirements. Subject to review. - Due Diligence Vendor-01/06/2026 | Ready for Review-This exception was approved directly by the investor. - Seller-01/26/2026 <br>Ready for Review-Document Uploaded. - Seller-01/21/2026<br>| Waived-Upon additional review, Client elects to waive with Comp Factors. - Due Diligence Vendor-01/28/2026 <br>Waived-Exception waiver not eligible; Only one exception per file considered by investor. - Due Diligence Vendor-01/27/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 | Comp factor 1\*\*DSCR XXX <br> Comp factor 2\*\*XXX% LTV / XXX% CLTV <br> Comp factor 3\*\*Excellent credit history with XXX fico score | Exception Waiver Form Approved XXX - Vo.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes |
| XXX | 66283548 | XXX | XXX D B A | Closed | FCRE1764 | 2026-01-06 16:29 | 2026-01-20 09:57 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing Verification of Mortgage | Waived-Upon additional review, Client elects to waive with Comp Factors. - Due Diligence Vendor-01/20/2026 <br>Ready for Review-Document Uploaded. - Seller-01/19/2026 <br>Open-Per guidelines, Borrowers must have satisfactory mortgage and/or rent payment history in the three (3) years prior to loan application. All files must be documented with one of the following: 6 months current senior lien reporting on credit report, or VOM from an institutional lender. - Due Diligence Vendor-01/06/2026 | Ready for Review-Document Uploaded. - Seller-01/19/2026<br>| Waived-Upon additional review, Client elects to waive with Comp Factors. - Due Diligence Vendor-01/20/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 | 1) XXX FICO is greater than 720 minimum<br> 2) XXX months of Reserves are greater than 0 required | XXX - Exception Request.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes |
| XXX | 66283548 | XXX | XXX D B A | Closed | FCRE1204 | 2026-01-05 11:02 | 2026-01-20 09:50 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received Cleared fraud report reflecting explanation for clearance of high alert items. - Due Diligence Vendor-01/20/2026 <br>Ready for Review-Document Uploaded. - Seller-01/19/2026 <br>Open-Fraud Report Shows Uncleared Alerts Missing documentation to support lender addressed and cleared all the high impact items reflected on the fraud report. - Due Diligence Vendor-01/05/2026 | Ready for Review-Document Uploaded. - Seller-01/19/2026<br>| Resolved-Received Cleared fraud report reflecting explanation for clearance of high alert items. - Due Diligence Vendor-01/20/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | XXX.XXX Updated Vo.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 66283548 | XXX | XXX D B A | Closed | FSER0004 | 2026-01-05 10:57 | 2026-01-14 09:20 | Resolved | 1 - Information A | Credit | Debt | Loan has been Modified or is in a Modification | Resolved-Received Forbearance documentation supporting greater than 12 months. - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Document Uploaded. Forbearance documents attached. - Seller-01/13/2026 <br> Open-Senior Lien Mortgage Statement from XXX xxXXX shows evidence of a deferred principal balance & deferred other balance. Per guidelines, Deferred balances from modifications seasoned greater than 12 months may remain open. If seasoned less than or equal to 12 months, deferred balances must be paid through closing. Senior lien must be out of forbearance at time of application in order to be eligible. Missing documentation to support guidelines requirements. - Due Diligence Vendor-01/05/2026 | Ready for Review-Document Uploaded. Forbearance documents attached. - Seller-01/13/2026<br>| Resolved-Received Forbearance documentation supporting greater than 12 months. - Due Diligence Vendor-01/14/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | Forbearance Letter.pdf<br>End of forbearance.pdf<br>Forbearane Detail.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 66283548 | XXX | XXX D B A | Closed | FCOM1003 | 2026-01-06 16:30 | 2026-01-14 08:52 | Resolved | 1 - Information D A | Compliance | Missing Doc | Grant/Warranty Deed is missing | Resolved-Correspondence reflects Title confirmed Vesting. - Due Diligence Vendor-01/14/2026 <br>Ready for Review-Document Uploaded. Title confirming Vesting did not change from Deed of Trust. - Seller-01/14/2026 <br>Open-Missing Grant/Warranty Deed to confirm Vesting on Deed of Trust/Mortgage document in file. Borrower is not listed on Title Commitment as owner per Deed recorded. - Due Diligence Vendor-01/06/2026 | Ready for Review-Document Uploaded. Title confirming Vesting did not change from Deed of Trust. - Seller-01/14/2026<br>| Resolved-Correspondence reflects Title confirmed Vesting. - Due Diligence Vendor-01/14/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | Title LOE.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 68199414 | XXX | XXX D A C | Closed | FCRE7347 | 2026-01-09 19:22 | 2026-01-14 16:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Received lender clarification regarding tenant occupancy. - Due Diligence Vendor-01/14/2026 <br> Ready for Review-Document Uploaded. Please see attached.The appraisal report already indicates the total rent amount for both 2 units is $XXX, please double check. - Seller-01/14/2026 <br> Counter-Received email confirmation from Broker, however insufficient to clear condition. Missing documentation from borrower to support both units are rented to same tenant, as appraisal and lease agreement do not reflect this information. - Due Diligence Vendor-01/13/2026 <br> Ready for Review-Document Uploaded. - Seller-01/13/2026 <br> Counter-Lender commentary received, however insufficient to clear condition. Missing documentation to support both units are rented to same tenant, as appraisal and lease agreement do not reflect this information. - Due Diligence Vendor-01/12/2026 <br> Ready for Review-Both 2 units are rented to the same tenant.So no lease agreement for unit 2. - Seller-01/10/2026 <br> Open-Missing lease agreement for Unit 2. - Due Diligence Vendor-01/10/2026 | Ready for Review-Document Uploaded. Please see attached.The appraisal report already indicates the total rent amount for both 2 units is $XXX please double check. - Seller-01/14/2026 <br> Ready for Review-Document Uploaded. - Seller-01/13/2026 <br> Ready for Review-Both 2 units are rented to the same tenant.So no lease agreement for unit 2. - Seller-01/10/2026 | Resolved-Received lender clarification regarding tenant occupancy. - Due Diligence Vendor-01/14/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 75% |  | XXX- XXX __ XXX __ XXX–PTD Condition Updated.pdf<br> appraisal.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 68199414 | XXX | XXX D A C | Closed | FCRE1254 | 2026-01-09 15:20 | 2026-01-12 09:39 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received title supplement reflecting sufficient title coverage. - Due Diligence Vendor-01/12/2026 <br>Ready for Review-Document Uploaded. - Seller-01/10/2026 <br>Open-Property Title Issue Missing an updated title or title supplement reflecting the title coverage amount. - Due Diligence Vendor-01/09/2026 | Ready for Review-Document Uploaded. - Seller-01/10/2026<br>| Resolved-Received title supplement reflecting sufficient title coverage. - Due Diligence Vendor-01/12/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 75% |  | SUPPLEMENTAL REPORT.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 68199414 | XXX | XXX D A C | Closed | FVAL9739 | 2026-01-09 19:25 | 2026-01-12 09:38 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Received supporting documentation of AIR Compliance. - Due Diligence Vendor-01/12/2026 <br> Ready for Review-Document Uploaded. - Seller-01/10/2026 <br> Open-Missing documentation to support appraisal order meets AIR compliance. Appraisal completed for XXX. reflects "No AMC" and payment was made directly to appraiser. - Due Diligence Vendor-01/10/2026 | Ready for Review-Document Uploaded. - Seller-01/10/2026<br>| Resolved-Received supporting documentation of AIR Compliance. - Due Diligence Vendor-01/12/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 75% |  | Appraisal Order POD.PDF | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 67606770 | XXX | XXX D A | Closed | FCRE7497 | 2026-01-12 21:33 | 2026-01-13 16:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received explanation for breakdown of tax calculation. Property does not have HOA Dues per property report. - Due Diligence Vendor-01/13/2026 <br> Ready for Review-Regarding this condition on file, this property is a SFR per the property profile so no HOA. The property was purchased XXX so we are using the tax bill by that purchase price (XXX x 1.007% plus XXX = XXX total) and then we have 2 ins policies ($XXX total).<br> We are using XXX, more than the XXX. <br> - Seller-01/13/2026 <br> Open-Missing HOA and sufficient documentation to support other fees (XXX) for non-subject property located at XXX. - Due Diligence Vendor-01/13/2026 | Ready for Review-Regarding this condition on file, this property is a SFR per the property profile so no HOA. The property was purchased XXX so we are using the tax bill by that purchase price (XXX x 1.007% plus XXX = XXX total) and then we have 2 ins policies ($XXX total).<br>We are using XXX, more than the 1441. <br> - Seller-01/13/2026 | Resolved-Received explanation for breakdown of tax calculation. Property does not have HOA Dues per property report. - Due Diligence Vendor-01/13/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 67606770 | XXX | XXX D A | Closed | FCRE1201 | 2026-01-07 14:00 | 2026-01-13 14:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Cleared fraud report. - 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-01/07/2026 | Ready for Review-Document Uploaded. - Seller-01/13/2026<br>| Resolved-Received Cleared fraud report. - Due Diligence Vendor-01/13/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  | XXX XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 67606770 | XXX | XXX D A | Closed | FCOM8805 | 2026-01-07 14:20 | 2026-01-13 14:56 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received borrower authorization. - Due Diligence Vendor-01/13/2026 <br> Ready for Review-Document Uploaded. - Seller-01/13/2026 <br> Open-Credit report dated XXX pulled by XXX is dated prior to the borrower's authorization dated XXX. Missing documentation to support borrower's authorization to pull credit pulled on XXX. - Due Diligence Vendor-01/07/2026 | Ready for Review-Document Uploaded. - Seller-01/13/2026<br>| Resolved-Received borrower authorization. - Due Diligence Vendor-01/13/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  | XXX XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 68949981 | XXX | XXX D A C | Closed | FCRE7878 | 2026-01-29 11:51 | 2026-01-30 14:52 | Resolved | 1 - Information B A | Credit | Data | Final 1008 Total Debt income Ratio Variance | Resolved-Received revised 1008 reflecting updated DTI. - Due Diligence Vendor-01/30/2026 <br> Ready for Review-Document Uploaded. - Seller-01/30/2026 <br> Open-Lenders calculated front end ratio of XXX% does not include the existing senior lien mortgage. Re-calculated ratio is XXX%. Missing updated 1008. - Due Diligence Vendor-01/29/2026 | Ready for Review-Document Uploaded. - Seller-01/30/2026<br>| Resolved-Received revised 1008 reflecting updated DTI. - Due Diligence Vendor-01/30/2026<br>| LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 70%.<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680. |  | XXX_1008 form.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| XXX | 68949981 | XXX | XXX D A C | Closed | FCOM1233 | 2026-01-29 11:22 | 2026-01-30 14:51 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Received revised URLA reflecting borrower is self employed. - Due Diligence Vendor-01/30/2026 <br>Ready for Review-Document Uploaded. - Seller-01/30/2026 <br>Open-The Final 1003 is Incomplete As per CPA letter borrower is self-employed and 1003 does not reflected self-employed. Missing a final and initial 1003/URLA reflecting the borrower as self-employed. - Due Diligence Vendor-01/29/2026 | Ready for Review-Document Uploaded. - Seller-01/30/2026<br>| Resolved-Received revised URLA reflecting borrower is self employed. - Due Diligence Vendor-01/30/2026<br>| LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 70%.<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680. |  | XXX_loanapp.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| XXX | 68949981 | XXX | XXX D A C | Closed | FCRE1254 | 2026-01-29 19:40 | 2026-01-30 13:49 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received title supplement reflecting sufficient title coverage. - Due Diligence Vendor-01/30/2026 <br>Ready for Review-Document Uploaded. - Seller-01/30/2026 <br>Ready for Review-Document Uploaded. - Seller-01/30/2026 <br>Ready for Review-Document Uploaded. - Seller-01/30/2026 <br>Open-Property Title Issue Missing and updated title report or title commitment reflecting insurance title coverage. - Due Diligence Vendor-01/30/2026 | Ready for Review-Document Uploaded. - Seller-01/30/2026 <br>Ready for Review-Document Uploaded. - Seller-01/30/2026 <br>Ready for Review-Document Uploaded. - Seller-01/30/2026<br>| Resolved-Received title supplement reflecting sufficient title coverage. - Due Diligence Vendor-01/30/2026<br>| LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 70%.<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680. |  | PreliminaryTitle~1.pdf<br>TitleSupplement-Proposedinsured.pdf<br>CORRECT - TitleSupplement-Proposedinsured.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| XXX | 64043537 | XXX | XXX D B A | Closed | FVAL1310 | 2026-01-26 12:57 | 2026-02-12 10:03 | Resolved | 1 - Information D A | Property | Missing Doc | Missing HOA/Condo Certification | Resolved-Received supporting documentation of HOA Dues. - Due Diligence Vendor-02/12/2026 <br> Ready for Review-UW qualified the loan with the HOA Fee for XXX being monthly. - Seller-02/11/2026 <br> Counter-Received evidence of HOA Dues for XXX, however unable to determine pay frequency. - Due Diligence Vendor-02/05/2026 <br> Ready for Review-Document Uploaded. - Seller-02/04/2026 <br> Counter-Received Lender LOX regarding HOA Dues, however missing evidence of HOA Dues for XXX. per letter. - Due Diligence Vendor-02/04/2026 <br> Ready for Review-Document Uploaded. - Seller-02/03/2026 <br> Open-Missing HOA billing statements for all REO properties or letter from borrower stating no HOA dues for all REO properties. - Due Diligence Vendor-01/26/2026 | Ready for Review-UW qualified the loan with the HOA Fee for XXX being monthly. - Seller-02/11/2026 <br> Ready for Review-Document Uploaded. - Seller-02/04/2026 <br> Ready for Review-Document Uploaded. - Seller-02/03/2026 | Resolved-Received supporting documentation of HOA Dues. - Due Diligence Vendor-02/12/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720.<br> LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 75% |  | PC Cert.pdf<br> Non Subject REO - HOA - XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 64043537 | XXX | XXX D B A | Closed | FCRE7497 | 2026-01-26 13:00 | 2026-02-12 10:03 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Waived-Upon additional review, Client elects to waive with Comp Factors. - Due Diligence Vendor-02/12/2026 <br> Ready for Review-Document Uploaded. - Seller-02/11/2026 <br> Counter-Reached out to Lender via email to provide additional clarity. Still missing HO6 policy for XXX as master policy does not reflect Walls in coverage. - Due Diligence Vendor-02/04/2026 <br> Ready for Review-The HO-6 doesn't need to cover the buildings, the HOA policy on page two says "Coverage A – Buildings" and is $XXX which covers the walls out. - Seller-02/03/2026 <br> Counter-Received tax bill for XXX. Still missing HO6 policy for XXX as master policy does not reflect Walls in coverage. - Due Diligence Vendor-01/30/2026 <br> Ready for Review-Document Uploaded. - Seller-01/29/2026 <br> Counter-Received HOI for XXX and Master policy for XXX Still missing HO6 policy and tax bill for XXX. - Due Diligence Vendor-01/28/2026 <br> Ready for Review-Document Uploaded. - Seller-01/28/2026 <br> Ready for Review-Document Uploaded. Refer to page 2 of the policy, location of described premises. - Seller-01/28/2026 <br> Open-Missing HOI for XXX & XXX Also missing tax bill for XXX . - Due Diligence Vendor-01/26/2026 | Ready for Review-Document Uploaded. - Seller-02/11/2026 <br> Ready for Review-The HO-6 doesn't need to cover the buildings, the HOA policy on page two says "Coverage A – Buildings" and is $XXX which covers the walls out. - Seller-02/03/2026 <br> Ready for Review-Document Uploaded. - Seller-01/29/2026 <br> Ready for Review-Document Uploaded. - Seller-01/28/2026 <br> Ready for Review-Document Uploaded. Refer to page 2 of the policy, location of described premises. - Seller-01/28/2026 | Waived-Upon additional review, Client elects to waive with Comp Factors. - Due Diligence Vendor-02/12/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720.<br> LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 75% | 1) XXX FICO is greater than 720 minimum<br> 2) XXX$ LTV is less than 75% maximum | HOI XXX and XXX 1-2.pdf<br> HOI XXX XXX.pdf<br> Property Tax XXX.pdf<br> XXX - Exception Request Form.PDF | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes |
| XXX | 63393304 | XXX | XXX D A C | Closed | FVAL9739 | 2026-01-29 13:48 | 2026-01-30 15:09 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Received Appraisal Transfer Letter. - Due Diligence Vendor-01/30/2026 <br> Ready for Review-Document Uploaded. - Seller-01/30/2026 <br> Open-Appraisal completed for XXX, Inc missing Transfer letter. - Due Diligence Vendor-01/29/2026 | Ready for Review-Document Uploaded. - Seller-01/30/2026<br>| Resolved-Received Appraisal Transfer Letter. - Due Diligence Vendor-01/30/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> DSCR ratio greater than guideline requirement - Calculated DSCR XXX, minimum DSCR per guidelines is 1.<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 75% |  | appraisal transfer letter.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 63393304 | XXX | XXX D A C | Closed | FCRE1254 | 2026-01-29 20:42 | 2026-01-30 13:48 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received title supplement reflecting sufficient title coverage. - Due Diligence Vendor-01/30/2026 <br>Ready for Review-Document Uploaded. - Seller-01/30/2026 <br>Open-Property Title Issue Missing an updated title commitment or title supplement reflecting the tile insurance coverage. - Due Diligence Vendor-01/30/2026 | Ready for Review-Document Uploaded. - Seller-01/30/2026<br>| Resolved-Received title supplement reflecting sufficient title coverage. - Due Diligence Vendor-01/30/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> DSCR ratio greater than guideline requirement - Calculated DSCR XXX, minimum DSCR per guidelines is 1.<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 75% |  | PreliminaryTitle-Updated.pdf<br>TitleSupplement-Proposedinsured.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 69928177 | XXX | XXX D A | Closed | FCOM4227 | 2026-01-26 08:44 | 2026-01-28 10:54 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received Initial Closing Disclosure Issued XXX. - Due Diligence Vendor-01/28/2026 <br> Ready for Review-Document Uploaded. - Seller-01/28/2026 <br> Open-Missing Initial Closing Disclosure. Unable to complete regulatory compliance check and TRID Monitoring. - Due Diligence Vendor-01/26/2026 | Ready for Review-Document Uploaded. - Seller-01/28/2026<br>| Resolved-Received Initial Closing Disclosure Issued XXX. - Due Diligence Vendor-01/28/2026 | LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 85%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680 |  | XXX - Initial CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 69928177 | XXX | XXX D A | Closed | FCRE5783 | 2026-01-23 17:31 | 2026-01-28 10:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received UDN reflecting no new debt or inquiries. - Due Diligence Vendor-01/28/2026 <br>Ready for Review-Document Uploaded. - Seller-01/28/2026 <br>Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-01/23/2026 | Ready for Review-Document Uploaded. - Seller-01/28/2026<br>| Resolved-Received UDN reflecting no new debt or inquiries. - Due Diligence Vendor-01/28/2026<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 85%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680 |  | XXX - UDN.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 69928177 | XXX | XXX D A | Closed | FCRE5782 | 2026-01-23 17:31 | 2026-01-28 10:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDN reflecting no new debt or inquiries. - Due Diligence Vendor-01/28/2026 <br>Ready for Review-Document Uploaded. - Seller-01/28/2026 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-01/23/2026 | Ready for Review-Document Uploaded. - Seller-01/28/2026<br>| Resolved-Received UDN reflecting no new debt or inquiries. - Due Diligence Vendor-01/28/2026<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 85%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680 |  | XXX - UDN.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 69928177 | XXX | XXX D A | Closed | FCOM8805 | 2026-01-26 09:40 | 2026-01-28 10:17 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received borrower authorization. - Due Diligence Vendor-01/28/2026 <br> Ready for Review-Document Uploaded. - Seller-01/28/2026 <br> Open-Credit report dated XXX pulled by XXX is dated prior to the borrower's authorization dated XXX. Missing documentation to support borrower's authorization to pull credit pulled on XXX. - Due Diligence Vendor-01/26/2026 | Ready for Review-Document Uploaded. - Seller-01/28/2026<br>| Resolved-Received borrower authorization. - Due Diligence Vendor-01/28/2026<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 85%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680 |  | XXX - CREDIT_Authorization.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 61157919 | XXX | XXX D A | Closed | FCRE5116 | 2026-02-04 20:00 | 2026-02-17 16:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Received credit supplement reflecting acceptable pay history. - Due Diligence Vendor-02/17/2026 <br> Ready for Review-Document Uploaded. According to guidelines for this type of transaction, cash out refi. - Seller-02/16/2026 <br> Counter-Received credit supplement reflecting account opened XXX, however account is only reporting for 6 months. Missing complete 12-month mortgage history for subject property, - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Document Uploaded. Supplement with Mortgage history for property vested in LLC. Note account number matches mortgage statement. - Seller-02/12/2026 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. The subject property is vested in an entity. The mortgage history for the subject property is not listed on the borrower's personal credit. Missing a VOM to confirm mortgage history for the subject property. - Due Diligence Vendor-02/05/2026 | Ready for Review-Document Uploaded. According to guidelines for this type of transaction, cash out refi. - Seller-02/16/2026 <br>Ready for Review-Document Uploaded. Supplement with Mortgage history for property vested in LLC. Note account number matches mortgage statement. - Seller-02/12/2026<br>| Resolved-Received credit supplement reflecting acceptable pay history. - Due Diligence Vendor-02/17/2026<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%.<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 70% |  | Supplement.pdf<br>Guidelines Snippet.png | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 61157919 | XXX | XXX D A | Closed | FCRE1148 | 2026-02-03 10:27 | 2026-02-17 10:06 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received title supplement reflecting sufficient title coverage. - Due Diligence Vendor-02/17/2026 <br> Ready for Review-Document Uploaded. revised supplement - Seller-02/16/2026 <br> Counter-Received title supplement reflecting corrected title coverage amount, however zip code of subject property is incorrect. - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Document Uploaded. - Seller-02/12/2026 <br> Open-Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien(s) of $XXX Missing and updated title commitment or title supplement reflecting title insurance equal to the loan amount. - Due Diligence Vendor-02/05/2026 | Ready for Review-Document Uploaded. revised supplement - Seller-02/16/2026 <br>Ready for Review-Document Uploaded. - Seller-02/12/2026<br>| Resolved-Received title supplement reflecting sufficient title coverage. - Due Diligence Vendor-02/17/2026<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%.<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 70% |  | Proposed Insured.pdf<br> XXX Title Supplement.pdf | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 63940440 | XXX | XXX D A | Closed | FCRE1676 | 2026-03-02 22:31 | 2026-03-04 16:10 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Credit General | Resolved-Received supporting documentation reflecting $XXX tax liability. - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Document Uploaded. - Seller-03/04/2026 <br> Open-Missing documentation confirming an active IRS installment agreement for the tax debt of $XXX, with a monthly payment of $XXX, as reported on the final 1003/URLA. - Due Diligence Vendor-03/03/2026 | Ready for Review-Document Uploaded. - Seller-03/04/2026<br>| Resolved-Received supporting documentation reflecting $0 tax liability. - Due Diligence Vendor-03/04/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660 |  | IRS Account 2.pdf<br> XXX revised 1003-1008.pdf<br> IRS Account.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 63940440 | XXX | XXX D A | Closed | FCRE3653 | 2026-02-27 13:36 | 2026-03-04 12:01 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Received borrower cash out letter. - Due Diligence Vendor-03/04/2026 <br>Ready for Review-Document Uploaded. - Seller-03/04/2026 <br>Open-The transaction type is Business Purpose loan (Investment Refinance) however Borrower provided LOE states intends to use the withdrawn funds to purchase a property in the future, The LOE does not specify the exact property type (Primary, Second Home, or Investment). Missing detailed Cash out Letter of explanation reflecting whether the purchase of another property will be a primary residence, Second home or investment property. - Due Diligence Vendor-02/27/2026 | Ready for Review-Document Uploaded. - Seller-03/04/2026<br>| Resolved-Received borrower cash out letter. - Due Diligence Vendor-03/04/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660 |  | LOX cash out.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 67308148 | XXX | XXX D A | Closed | FCRE9814 | 2026-01-28 16:21 | 2026-02-02 16:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Trust Agreement | Resolved-Received trust cert reflecting title company stamp. - Due Diligence Vendor-02/02/2026 <br>Ready for Review-Document Uploaded. Please see the lower right corner of page 1, the title company has certified and sign the document. - Seller-01/31/2026 <br>Counter-Received trust certificate, however missing evidence the trust was reviewed and approved by the title company. - Due Diligence Vendor-01/30/2026 <br>Ready for Review-Document Uploaded. - Seller-01/29/2026 <br>Open-Missing evidence the trust cert was reviewed and approved by Title company. - Due Diligence Vendor-01/28/2026 | Ready for Review-Document Uploaded. Please see the lower right corner of page 1, the title company has certified and sign the document. - Seller-01/31/2026 <br>Ready for Review-Document Uploaded. - Seller-01/29/2026<br>| Resolved-Received trust cert reflecting title company stamp. - Due Diligence Vendor-02/02/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 70% |  | Untitled Extract Pages.pdf<br>Untitled Extract Pages.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 67308148 | XXX | XXX D A | Closed | FCRE3653 | 2026-01-28 16:20 | 2026-01-29 13:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Received borrower cash out letter. - Due Diligence Vendor-01/29/2026 <br>Ready for Review-Document Uploaded. - Seller-01/29/2026 <br>Open-Missing letter of explanation of the cash out proceeds. - Due Diligence Vendor-01/28/2026 | Ready for Review-Document Uploaded. - Seller-01/29/2026<br>| Resolved-Received borrower cash out letter. - Due Diligence Vendor-01/29/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 70% |  | LOE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 60493532 | XXX | XXX D A | Closed | FCOM4227 | 2026-02-11 14:01 | 2026-02-13 12:38 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received Initial Closing Disclosure Issued XXX. - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Document Uploaded. - Seller-02/13/2026 <br> Open-Missing Initial Closing Disclosure. Unable to complete regulatory compliance check and TRID Monitoring. - Due Diligence Vendor-02/11/2026 | Ready for Review-Document Uploaded. - Seller-02/13/2026<br>| Resolved-Received Initial Closing Disclosure Issued XXX. - Due Diligence Vendor-02/13/2026 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  | XXX - Closing Disclosure (Alternate).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 60493532 | XXX | XXX D A | Closed | FCOM8805 | 2026-02-11 14:22 | 2026-02-13 11:35 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received borrower authorization. - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Document Uploaded. - Seller-02/13/2026 <br> Open-Credit report dated XXX pulled by XXX is dated prior to the borrower's authorization dated XXX. Missing documentation to support borrower's authorization to pull credit pulled on XXX - Due Diligence Vendor-02/11/2026 | Ready for Review-Document Uploaded. - Seller-02/13/2026<br>| Resolved-Received borrower authorization. - Due Diligence Vendor-02/13/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  | XXX - CREDIT_Authorization.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 60493532 | XXX | XXX D A | Closed | FCRE5782 | 2026-02-12 15:01 | 2026-02-13 11:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDN report reflecting no new debt or inquiries. - Due Diligence Vendor-02/13/2026 <br>Ready for Review-Document Uploaded. - Seller-02/13/2026 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-02/12/2026 | Ready for Review-Document Uploaded. - Seller-02/13/2026<br>| Resolved-Received UDN report reflecting no new debt or inquiries. - Due Diligence Vendor-02/13/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  | XXX - UDN.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 61765729 | XXX | XXX D A | Closed | FPRO1131 | 2026-02-18 10:33 | 2026-02-23 09:28 | Resolved | 1 - Information A | Property | Value | Loan Purpose is Purchase but Purchase Contract Doc is Missing | Resolved-Received purchase contract. - Due Diligence Vendor-02/18/2026 <br>Ready for Review-Document Uploaded. - Seller-02/18/2026 <br>Open-Loan Purpose is Purchase but Purchase Contract Doc is Missing Missing Purchase Contract and any addendums. - Due Diligence Vendor-02/18/2026 | Ready for Review-Document Uploaded. - Seller-02/18/2026<br>| Resolved-Received purchase contract. - Due Diligence Vendor-02/18/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  | XXX- Contract.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| XXX | 61765729 | XXX | XXX D A | Closed | FCRE1148 | 2026-02-12 11:10 | 2026-02-23 09:27 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received title commitment reflecting title coverage in the amount of $XXX. - Due Diligence Vendor-02/23/2026 <br> Ready for Review-Document Uploaded. - Seller-02/20/2026 <br> Counter-Received copy of Note which is insufficient to clear condition as file must include a separate title policy for the 2nd lien in the amount of $XXX. - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Document Uploaded. - Seller-02/19/2026 <br> Counter-Received title commitment for 1st lien. Still missing title commitment for 2nd lien reflecting lenders coverage of $XXX. - Due Diligence Vendor-02/18/2026 <br> Ready for Review-Document Uploaded. - Seller-02/18/2026 <br> Open-Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien(s) of $XXX Missing evidence of Lender's Loan Coverage in the amount of $XXX for 2nd Lien (subject transaction). - Due Diligence Vendor-02/18/2026 | Ready for Review-Document Uploaded. - Seller-02/20/2026 <br>Ready for Review-Document Uploaded. - Seller-02/19/2026 <br>Ready for Review-Document Uploaded. - Seller-02/18/2026<br>| Resolved-Received title commitment reflecting title coverage in the amount of $XXX. - Due Diligence Vendor-02/23/2026 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  | XXX Title.pdf<br> 2nd note.pdf<br> 1st note.pdf<br> XXX Updated Title...pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| XXX | 61765729 | XXX | XXX D A | Closed | FCOM4227 | 2026-02-12 13:19 | 2026-02-18 17:14 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received Initial Closing Disclosure Issued XXX - Due Diligence Vendor-02/18/2026 <br> Ready for Review-Document Uploaded. - Due Diligence Vendor-02/18/2026 <br> Ready for Review-Document Uploaded. - Seller-02/18/2026 <br> Counter-Reached out to Lender to provide additional clarity. - Due Diligence Vendor-02/18/2026 <br> Ready for Review-Document Uploaded. - Seller-02/18/2026 <br> Counter-Received Final Closing Disclosure Issued XXX, however, need Initial Closing Disclosure to perform Regulatory Compliance review and TRID Monitoring. - Due Diligence Vendor-02/18/2026 <br> Ready for Review-Document Uploaded. - Seller-02/18/2026 <br> Open-Missing Initial Closing Disclosure. Unable to perform Regulatory Compliance review and TRID Monitoring. - Due Diligence Vendor-02/12/2026 | Ready for Review-Document Uploaded. - Seller-02/18/2026 <br>Ready for Review-Document Uploaded. - Seller-02/18/2026 <br>Ready for Review-Document Uploaded. - Seller-02/18/2026<br>| Resolved-Received Initial Closing Disclosure Issued XXX - Due Diligence Vendor-02/18/2026 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  | XXX- Final CD.pdf<br> XXX- Final CD.pdf<br> XXX Signed CD.pdf<br> XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| XXX | 61765729 | XXX | XXX D A | Closed | FCOM8807 | 2026-02-12 13:36 | 2026-02-18 15:38 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Appraisal Acknowledgement | Resolved-Received Borrower Acknowledgement of Appraisal Delivery. - Due Diligence Vendor-02/18/2026 <br>Ready for Review-Document Uploaded. - Seller-02/18/2026 <br>Open- - Due Diligence Vendor-02/12/2026 | Ready for Review-Document Uploaded. - Seller-02/18/2026<br>| Resolved-Received Borrower Acknowledgement of Appraisal Delivery. - Due Diligence Vendor-02/18/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  | XXX App Ack.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| XXX | 61765729 | XXX | XXX D A | Closed | FCRE9272 | 2026-02-18 10:47 | 2026-02-18 14:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Loan has escrow holdback. No proof it was released provided in file | Resolved-Received executed escrow agreement. - Due Diligence Vendor-02/18/2026 <br>Ready for Review-Document Uploaded. - Seller-02/18/2026 <br>Open-It appears there is an Escrow Holdback for weather related items. Missing Closing Disclosure for Senior Lien with XXX Homes to evidence an Escrow Holdback was completed. - Due Diligence Vendor-02/18/2026 | Ready for Review-Document Uploaded. - Seller-02/18/2026<br>| Resolved-Received executed escrow agreement. - Due Diligence Vendor-02/18/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  | XXX- Escrow Holdback.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| XXX | 61765729 | XXX | XXX D A | Closed | FCRE1364 | 2026-02-12 13:16 | 2026-02-18 13:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Executed 4506-T Missing | Resolved-Received executed 4506C for Borrower 2. - Due Diligence Vendor-02/18/2026 <br>Ready for Review-Document Uploaded. - Seller-02/18/2026 <br>Open-Borrower 2 Executed 4506-T Missing - Due Diligence Vendor-02/12/2026 | Ready for Review-Document Uploaded. - Seller-02/18/2026<br>| Resolved-Received executed 4506C for Borrower 2. - Due Diligence Vendor-02/18/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  | XXX 4506.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| XXX | 61765729 | XXX | XXX D A | Closed | FCOM1003 | 2026-02-12 12:21 | 2026-02-18 13:12 | Resolved | 1 - Information D A | Compliance | Missing Doc | Grant/Warranty Deed is missing | Resolved-Received Deed to confirm Vesting on Mortgage document in file. - Due Diligence Vendor-02/18/2026 <br>Ready for Review-Document Uploaded. - Seller-02/18/2026 <br>Open-Missing Grant/Warranty Deed to confirm Vesting on Deed of Trust/Mortgage document in file. - Due Diligence Vendor-02/12/2026 | Ready for Review-Document Uploaded. - Seller-02/18/2026<br>| Resolved-Received Deed to confirm Vesting on Mortgage document in file. - Due Diligence Vendor-02/18/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  | XXX- Deed.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| XXX | 61765729 | XXX | XXX D A | Closed | FCRE5783 | 2026-02-12 11:23 | 2026-02-18 13:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received UDN report reflecting no new debt or inquiries. - Due Diligence Vendor-02/18/2026 <br>Ready for Review-Document Uploaded. - Seller-02/18/2026 <br>Open-Borrower 2 Gap Credit Report is Missing Missing GAP Credit Report dated within 10 days of Note Date per guidelines. - Due Diligence Vendor-02/18/2026 | Ready for Review-Document Uploaded. - Seller-02/18/2026<br>| Resolved-Received UDN report reflecting no new debt or inquiries. - Due Diligence Vendor-02/18/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  | XXX- B1&@ GAP.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| XXX | 61765729 | XXX | XXX D A | Closed | FCRE5782 | 2026-02-12 11:23 | 2026-02-18 13:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDN report reflecting no new debt or inquiries. - Due Diligence Vendor-02/18/2026 <br>Ready for Review-Document Uploaded. - Seller-02/18/2026 <br>Open-Borrower 1 Gap Credit Report is Missing Missing GAP Credit Report dated within 10 days of Note Date per guidelines. - Due Diligence Vendor-02/18/2026 | Ready for Review-Document Uploaded. - Seller-02/18/2026<br>| Resolved-Received UDN report reflecting no new debt or inquiries. - Due Diligence Vendor-02/18/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  | XXX- B1&@ GAP.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Purchase | NA | N/A | N/A |
| XXX | 63717376 | XXX | XXX D A C | Closed | FCOM5814 | 2026-02-24 18:35 | 2026-03-06 11:05 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Closing Disclosure Deficiency | Resolved-Received Letter of Explanation that Closing Disclosure Issued XXX reflects Issue Date of XXX. - Due Diligence Vendor-03/06/2026 <br> Ready for Review-Document Uploaded. - Seller-03/06/2026 <br> Counter-Received Final Closing Disclosure Issued XXX, however, need Pages 2-5 of Revised Closing Disclosure Issued XXX - Due Diligence Vendor-03/02/2026 <br> Ready for Review-Document Uploaded. - Seller-03/02/2026 <br> Open-Revised Closing Disclosure in file Issued XXX is missing Pages 2-5. - Due Diligence Vendor-02/24/2026 | Ready for Review-Document Uploaded. - Seller-03/06/2026 <br>Ready for Review-Document Uploaded. - Seller-03/02/2026<br>| Resolved-Received Letter of Explanation that Closing Disclosure Issued XXX reflects Issue Date of XXX. - Due Diligence Vendor-03/06/2026 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX Closing Disclosure (Alternate).pdf<br> XXX LOE.pdf<br> XXX CD from Disclosure Tracking.pdf<br> XXX Closing Disclosure (Alternate).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 63717376 | XXX | XXX D A C | Closed | FCRE1148 | 2026-02-24 11:05 | 2026-03-05 11:23 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received revised title commitment reflecting correct title coverage amount and mortgagee. - Due Diligence Vendor-03/05/2026 <br> Ready for Review-Document Uploaded. - Seller-03/05/2026 <br> Open-Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien(s) of $XXX Missing title supplement reflecting insured lender name and insured loan amount. - Due Diligence Vendor-02/26/2026 | Ready for Review-Document Uploaded. - Seller-03/05/2026<br>| Resolved-Received revised title commitment reflecting correct title coverage amount and mortgagee. - Due Diligence Vendor-03/05/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX Title.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 63717376 | XXX | XXX D A C | Closed | FCRE5782 | 2026-02-24 11:21 | 2026-03-03 13:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDN report reflecting no new debt or inquiries. File includes credit supplement for XXX inquiry on XXX. - Due Diligence Vendor-03/03/2026 <br> Ready for Review-Document Uploaded. - Seller-03/03/2026 <br> Open-Borrower 1 Gap Credit Report is Missing Credit report dated XXX exceeds 30 days from Note date of XXX. - Due Diligence Vendor-02/26/2026 | Ready for Review-Document Uploaded. - Seller-03/03/2026<br>| Resolved-Received UDN report reflecting no new debt or inquiries. File includes credit supplement for XXX inquiry on XXX. - Due Diligence Vendor-03/03/2026 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX Debt Monitoring Alert Report- ADVANTAGE CREDIT ONLINE.pdf<br> XXX Undisclosed Debt Notifications - ADVANTAGE CREDIT ONLINE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 65835144 | XXX | XXX D A | Closed | FCRE6534 | 2026-02-12 11:04 | 2026-02-17 10:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Fraud Product | Resolved-Received cleared fraud report reflecting explanation for clearance of high alert item. - Due Diligence Vendor-02/17/2026 <br> Ready for Review-Document Uploaded. - Seller-02/16/2026 <br> Open-Copy of summary report for XXX Final check provided however, missing copy of full XXX report for alerts and how resolved, if applicable. - Due Diligence Vendor-02/12/2026 | Ready for Review-Document Uploaded. - Seller-02/16/2026<br>| Resolved-Received cleared fraud report reflecting explanation for clearance of high alert item. - Due Diligence Vendor-02/17/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 70% |  | XXX Fraud.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 65835144 | XXX | XXX D A | Closed | FCOM8805 | 2026-02-11 11:06 | 2026-02-17 10:16 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received borrower authorization. - Due Diligence Vendor-02/17/2026 <br> Ready for Review-Document Uploaded. - Seller-02/16/2026 <br> Open-Credit report dated XXX pulled by XXX is dated prior to the borrower's authorization dated XXX. Missing documentation to support borrower's authorization to pull credit pulled on XXX. - Due Diligence Vendor-02/11/2026 | Ready for Review-Document Uploaded. - Seller-02/16/2026<br>| Resolved-Received borrower authorization. - Due Diligence Vendor-02/17/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 70% |  | XXX borrower's authorization.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 69100313 | XXX | XXX D A | Closed | FCOM1262 | 2026-02-05 17:25 | 2026-02-10 14:07 | Resolved | 1 - Information D A | Compliance | Missing Doc | Right of Rescission is Missing | Resolved-Received Notice of Right to Cancel for both Borrower and Non-Borrowing Title Holder. - Due Diligence Vendor-02/10/2026 <br>Ready for Review-Document Uploaded. - Seller-02/10/2026 <br>Open-Right of Rescission is Missing Missing Right of Rescission for both Borrower and Non-Borrowing Title Holder. - Due Diligence Vendor-02/05/2026 | Ready for Review-Document Uploaded. - Seller-02/10/2026<br>| Resolved-Received Notice of Right to Cancel for both Borrower and Non-Borrowing Title Holder. - Due Diligence Vendor-02/10/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | Notice of Right to Cancel - Refinance.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 69100313 | XXX | XXX D A | Closed | FCOM8805 | 2026-02-05 17:17 | 2026-02-10 13:48 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received borrower authorization. - Due Diligence Vendor-02/10/2026 <br> Ready for Review-Document Uploaded. - Seller-02/10/2026 <br> Open-Credit report dated XXX pulled by XXX is dated prior to the borrower's authorization dated XXX Missing documentation to support borrower's authorization to pull credit pulled on XXX. - Due Diligence Vendor-02/05/2026 | Ready for Review-Document Uploaded. - Seller-02/10/2026<br>| Resolved-Received borrower authorization. - Due Diligence Vendor-02/10/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | Borrower's Certification & Authorization.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 66585741 | XXX | XXX D A | Closed | FCRE1195 | 2026-02-17 17:01 | 2026-02-19 09:10 | Resolved | 1 - Information C A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved-Audited CLTV of XXX% is less than or equal to Guideline CLTV of 90% - Due Diligence Vendor-02/19/2026 <br> Resolved-Received documentation supporting property type is not a Condo. Audited CLTV of XXX% is less than or equal to Guideline CLTV of 90% - Due Diligence Vendor-02/18/2026 <br> Ready for Review-Document Uploaded. It shows condo on AVM but single family on PCR. Title shows PUD. - Seller-02/18/2026 <br> Open-Audited CLTV of XXX% exceeds Guideline CLTV of 75% As per guideline maximum CLTV for Condominium property is 75% required exception letter. - Due Diligence Vendor-02/17/2026 | Ready for Review-Document Uploaded. It shows condo on AVM but single family on PCR. Title shows PUD. - Seller-02/18/2026<br>| Resolved-Audited CLTV of XXX% is less than or equal to Guideline CLTV of 90% - Due Diligence Vendor-02/19/2026 <br> Resolved-Received documentation supporting property type is not a Condo. Audited CLTV of XXX% is less than or equal to Guideline CLTV of 90% - Due Diligence Vendor-02/18/2026 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%. |  | XXX AVM and PCI.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 66585741 | XXX | XXX D A | Closed | FCOM4227 | 2026-02-17 16:46 | 2026-02-18 16:58 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received Initial Closing Disclosure Issued XXX. - Due Diligence Vendor-02/18/2026 <br> Ready for Review-Document Uploaded. - Seller-02/18/2026 <br> Counter-Received Final Closing Disclosure Issued XXX, however, need Initial Closing Disclosure to perform Regulatory Compliance review and TRID Monitoring. - Due Diligence Vendor-02/18/2026 <br> Ready for Review-Document Uploaded. - Seller-02/18/2026 <br> Open-Missing Initial Closing Disclosure. Unable to perform Regulatory Compliance review and TRID Monitoring. - Due Diligence Vendor-02/17/2026 | Ready for Review-Document Uploaded. - Seller-02/18/2026 <br>Ready for Review-Document Uploaded. - Seller-02/18/2026<br>| Resolved-Received Initial Closing Disclosure Issued XXX. - Due Diligence Vendor-02/18/2026 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%. |  | XXX Final CD.pdf<br> XXX Signed CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 66585741 | XXX | XXX D A | Closed | FCRE5782 | 2026-02-17 16:00 | 2026-02-18 15:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDN reflecting no new debt or inquiries. - Due Diligence Vendor-02/18/2026 <br>Ready for Review-Document Uploaded. - Seller-02/18/2026 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-02/17/2026 | Ready for Review-Document Uploaded. - Seller-02/18/2026<br>| Resolved-Received UDN reflecting no new debt or inquiries. - Due Diligence Vendor-02/18/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXXpoints above the minimum FICO per guidelines of 680<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%. |  | XXX - GAP - B1 & B2.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 66585741 | XXX | XXX D A | Closed | FCRE5783 | 2026-02-17 16:00 | 2026-02-18 15:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received UDN reflecting no new debt or inquiries. - Due Diligence Vendor-02/18/2026 <br>Ready for Review-Document Uploaded. - Seller-02/18/2026 <br>Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-02/17/2026 | Ready for Review-Document Uploaded. - Seller-02/18/2026<br>| Resolved-Received UDN reflecting no new debt or inquiries. - Due Diligence Vendor-02/18/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXXpoints above the minimum FICO per guidelines of 680<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%. |  | XXX - GAP - B1 & B2.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 60193955 | XXX | XXX D A C | Closed | FCRE4805 | 2026-03-03 11:52 | 2026-03-09 14:56 | Resolved | 1 - Information C A | Credit | Eligibility | Trust/POA Does Not Meet Guideline Requirements | Resolved-Received trust cert and final title policy. Final title reflects no exceptions to the trust. - Due Diligence Vendor-03/09/2026 <br>Ready for Review-Document Uploaded. - Seller-03/09/2026 <br>Open-Trust/POA Does Not Meet Guideline Requirements Missing Trust cert and Trust approval from title company. - Due Diligence Vendor-03/03/2026 | Ready for Review-Document Uploaded. - Seller-03/09/2026<br>| Resolved-Received trust cert and final title policy. Final title reflects no exceptions to the trust. - Due Diligence Vendor-03/09/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  | XXX Trust Cert.pdf<br> XXX XXX Policy.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 60193955 | XXX | XXX D A C | Closed | FVAL9739 | 2026-03-03 12:33 | 2026-03-09 14:09 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Received supporting evidence of AIR Compliance. - Due Diligence Vendor-03/09/2026 <br> Ready for Review-Document Uploaded. Please note that we have a panel of appraisers that we use and are AIR compliant. We have been delivering such loans to all of our investors including XXX. - Seller-03/09/2026 <br> Open-Missing documentation to Confirm if AIR compliance is met, appraisal reflects no AMC, and payment was made directly to the appraiser. - Due Diligence Vendor-03/03/2026 | Ready for Review-Document Uploaded. Please note that we have a panel of appraisers that we use and are AIR compliant. We have been delivering such loans to all of our investors including XXX - Seller-03/09/2026 | Resolved-Received supporting evidence of AIR Compliance. - Due Diligence Vendor-03/09/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  | AIR Policy.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 60193955 | XXX | XXX D A C | Closed | FCRE3653 | 2026-03-03 12:29 | 2026-03-09 14:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Received borrower cash out letter. - Due Diligence Vendor-03/09/2026 <br>Ready for Review-Document Uploaded. - Seller-03/09/2026 <br>Open-Missing letter of explanation for cash out proceeds. - Due Diligence Vendor-03/03/2026 | Ready for Review-Document Uploaded. - Seller-03/09/2026<br>| Resolved-Received borrower cash out letter. - Due Diligence Vendor-03/09/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  | XXX Cash OUT LOE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 64811636 | XXX | XXX D A | Closed | FCOM8805 | 2026-03-02 17:03 | 2026-03-09 15:28 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received borrower authorization. - Due Diligence Vendor-03/09/2026 <br> Ready for Review-Document Uploaded. - Seller-03/09/2026 <br> Open-Credit report dated XXX pulled by XXX is dated prior to the borrower's authorization dated XXX. Missing documentation to support borrower's authorization to pull credit pulled on XXX. - Due Diligence Vendor-03/02/2026 | Ready for Review-Document Uploaded. - Seller-03/09/2026<br>| Resolved-Received borrower authorization. - Due Diligence Vendor-03/09/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX LOE for borr auth.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 | N/A | N/A |
| XXX | 68004634 | XXX | XXX D A | Closed | FCRE1201 | 2026-03-02 20:16 | 2026-03-05 10:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received supporting documentation used to address high alert items. - Due Diligence Vendor-03/05/2026 <br>Ready for Review-Document Uploaded. - Seller-03/05/2026 <br>Counter-Received complete fraud report, however missing supporting documentation used to address high alert items. - Due Diligence Vendor-03/03/2026 <br>Ready for Review-Document Uploaded. - Seller-03/03/2026 <br>Open-Missing Third Party Fraud Report Missing complete report. - Due Diligence Vendor-03/03/2026 | Ready for Review-Document Uploaded. - Seller-03/05/2026 <br>Ready for Review-Document Uploaded. - Seller-03/03/2026<br>| Resolved-Received supporting documentation used to address high alert items. - Due Diligence Vendor-03/05/2026<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%.<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 70% |  | XXX Fraud.pdf<br> XXX CPA letter.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 61963100 | XXX | XXX D A C | Closed | FCRE1145 | 2026-02-18 08:57 | 2026-02-23 13:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Received confirmation title item #19 will not be reflected on the final title policy. - Due Diligence Vendor-02/23/2026 <br>Ready for Review-Document Uploaded. - Seller-02/23/2026 <br>Counter-Received title commitment, however missing evidence title item #19 has been released/satisfied. - Due Diligence Vendor-02/23/2026 <br>Ready for Review-Document Uploaded. - Seller-02/20/2026 <br>Counter-Received title commitment for 1st lien. Missing title commitment for subject 2nd lien transaction. - Due Diligence Vendor-02/19/2026 <br>Ready for Review-Document Uploaded. - Seller-02/19/2026 <br>Open-Title Document is missing Missing a title commitment for this transaction, reflecting the correct loan number and policy coverage. - Due Diligence Vendor-02/18/2026 | Ready for Review-Document Uploaded. - Seller-02/23/2026 <br>Ready for Review-Document Uploaded. - Seller-02/20/2026 <br>Ready for Review-Document Uploaded. - Seller-02/19/2026<br>| Resolved-Received confirmation title item #19 will not be reflected on the final title policy. - Due Diligence Vendor-02/23/2026<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX%percent below the maximum DTI per guidelines of 50%.<br> Residual Income greater than minimum required - $XXX residual income is greater than minimum residual income required per guidelines $2,500.<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660 |  | TITLE.pdf<br> XXX Updated Title.pdf<br> e-mail.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 61963100 | XXX | XXX D A C | Closed | FVAL9739 | 2026-02-18 09:26 | 2026-02-20 16:18 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Received revised appraisal reflecting updated prior sales date. Specific Zoning is Residential in an Agricultural area. - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Document Uploaded. Please see highlighted areas on page 4 and 12. Specific Zoning Classification is Residential. - Seller-02/20/2026 <br> Open-Per the appraisal report, the effective date is XXX; however, the Date of Prior Sale/Transfer is listed as XXX, which is a future date. Missing updated Appraisal. Additionally, zoning is Agricultural and is an Ineligible Property Type. - Due Diligence Vendor-02/18/2026 | Ready for Review-Document Uploaded. Please see highlighted areas on page 4 and 12. Specific Zoning Classification is Residential. - Seller-02/20/2026<br>| Resolved-Received revised appraisal reflecting updated prior sales date. Specific Zoning is Residential in an Agricultural area. - Due Diligence Vendor-02/20/2026<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX%percent below the maximum DTI per guidelines of 50%.<br> Residual Income greater than minimum required - $XXX residual income is greater than minimum residual income required per guidelines $2,500.<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660 |  | XXX Appraisal.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 61963100 | XXX | XXX D A C | Closed | FCOM1477 | 2026-02-18 09:26 | 2026-02-19 10:30 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Revised Loan Estimate Issued XXX should reflect Issued Date of XXX, corresponding with the Rate Lock Confirmation in file. - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Document Uploaded. - Seller-02/19/2026 <br> Counter-Received Initial and Revised Loan Estimate Issued XXX, however, need Rate Lock confirmation form confirming the date the rate was locked. XXX Lock-In Agreement and Lock Confirmation in file reflect the Rate Lock date as XXX. - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Document Uploaded. - Seller-02/19/2026 <br> Open-Revised Loan Estimate (LE) in file Issued XXX reflects loan as locked, however, the earliest form of rate lock confirmation reflects the rate was locked XXX. - Due Diligence Vendor-02/18/2026 | Ready for Review-Document Uploaded. - Seller-02/19/2026 <br>Ready for Review-Document Uploaded. - Seller-02/19/2026<br>| Resolved-Revised Loan Estimate Issued XXX should reflect Issued Date of XXX, corresponding with the Rate Lock Confirmation in file. - Due Diligence Vendor-02/19/2026 | Qualifying DTI below max allowed. - XXX% calculated DTI is XXX%percent below the maximum DTI per guidelines of 50%.<br> Residual Income greater than minimum required - $XXX residual income is greater than minimum residual income required per guidelines $2,500.<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660 |  | LE's.pdf<br> LE's.pdf<br> XXX tracking.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 61963100 | XXX | XXX D A C | Closed | FCRE1442 | 2026-02-18 09:01 | 2026-02-19 10:15 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Expired | Resolved-Received updated asset statement. - Due Diligence Vendor-02/19/2026 <br>Ready for Review-Document Uploaded. - Seller-02/19/2026 <br>Open-Asset 1 Expired Asset are expired. Missing unexpired asset statements with acceptable funds for closing. - Due Diligence Vendor-02/18/2026 | Ready for Review-Document Uploaded. - Seller-02/19/2026<br>| Resolved-Received updated asset statement. - Due Diligence Vendor-02/19/2026<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX%percent below the maximum DTI per guidelines of 50%.<br> Residual Income greater than minimum required - $XXX residual income is greater than minimum residual income required per guidelines $2,500.<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660 |  | Assets.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 61963100 | XXX | XXX D A C | Closed | FCRE1201 | 2026-02-18 09:02 | 2026-02-19 10:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Received Cleared fraud report and supporting documentation. - Due Diligence Vendor-02/19/2026 <br>Ready for Review-Document Uploaded. - Seller-02/19/2026 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-02/18/2026 | Ready for Review-Document Uploaded. - Seller-02/19/2026<br>| Resolved-Received Cleared fraud report and supporting documentation. - Due Diligence Vendor-02/19/2026<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX%percent below the maximum DTI per guidelines of 50%.<br> Residual Income greater than minimum required - $XXX residual income is greater than minimum residual income required per guidelines $2,500.<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660 |  | FRAUD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 61963100 | XXX | XXX D A C | Closed | FCRE5782 | 2026-02-17 16:51 | 2026-02-19 10:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDN reflecting no new inquiries or debt. - Due Diligence Vendor-02/19/2026 <br>Ready for Review-Document Uploaded. - Seller-02/19/2026 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-02/17/2026 | Ready for Review-Document Uploaded. - Seller-02/19/2026<br>| Resolved-Received UDN reflecting no new inquiries or debt. - Due Diligence Vendor-02/19/2026<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX%percent below the maximum DTI per guidelines of 50%.<br> Residual Income greater than minimum required - $XXX residual income is greater than minimum residual income required per guidelines $2,500.<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660 |  | GAP.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 61963100 | XXX | XXX D A C | Closed | FCOM8805 | 2026-02-18 09:27 | 2026-02-19 10:01 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received borrower authorization. - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Document Uploaded. - Seller-02/19/2026 <br> Open-Credit report dated XXX pulled by XXX is dated prior to the borrower's authorization dated XXX. Missing documentation to support borrower's authorization to pull credit pulled on XXX. - Due Diligence Vendor-02/18/2026 | Ready for Review-Document Uploaded. - Seller-02/19/2026<br>| Resolved-Received borrower authorization. - Due Diligence Vendor-02/19/2026<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX%percent below the maximum DTI per guidelines of 50%.<br> Residual Income greater than minimum required - $XXX residual income is greater than minimum residual income required per guidelines $2,500.<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660 |  | XXX - Borrower's Certification & Authorization.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 61963100 | XXX | XXX D A C | Closed | FCOM4227 | 2026-02-17 17:16 | 2026-02-19 08:53 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received Initial Closing Disclosure Issued XXX. - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Document Uploaded. - Seller-02/19/2026 <br> Open-Missing Initial Closing Disclosure. Unable to complete regulatory compliance check and TRID Monitoring. - Due Diligence Vendor-02/17/2026 | Ready for Review-Document Uploaded. - Seller-02/19/2026<br>| Resolved-Received Initial Closing Disclosure Issued XXX. - Due Diligence Vendor-02/19/2026 | Qualifying DTI below max allowed. - XXX% calculated DTI is XXX%percent below the maximum DTI per guidelines of 50%.<br> Residual Income greater than minimum required - $XXX residual income is greater than minimum residual income required per guidelines $2,500.<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660 |  | INITIAL CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 61963100 | XXX | XXX D A C | Closed | FCOM1221 | 2026-02-18 09:16 | 2026-02-19 08:45 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Received Mortgage inclusive of Exhibit "A" Legal Description. - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Document Uploaded. - Seller-02/19/2026 <br> Open-The Deed of Trust is Incomplete The Mortgage is missing the legal description attached as Exhibit A. Mortgage in file dated XXX reflects "SEE LEGAL DESCRIPTION ATTACHED HERETO AND MADE A PART HEREOF AS "EXHIBIT A"." on Page 3, however, Exhibit A is missing. Need full copy of Mortgage inclusive of Exhibit A Legal Description and any Riders. - Due Diligence Vendor-02/18/2026 | Ready for Review-Document Uploaded. - Seller-02/19/2026<br>| Resolved-Received Mortgage inclusive of Exhibit "A" Legal Description. - Due Diligence Vendor-02/19/2026<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX%percent below the maximum DTI per guidelines of 50%.<br> Residual Income greater than minimum required - $XXX residual income is greater than minimum residual income required per guidelines $2,500.<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660 |  | MORTGAGE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 60576393 | XXX | XXX D A | Closed | FCRE5782 | 2026-03-05 17:25 | 2026-03-09 14:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received borrower inquiry letter. - Due Diligence Vendor-03/09/2026 <br> Ready for Review-Document Uploaded. - Seller-03/09/2026 <br> Counter-Received gap credit report, however missing letter of explanation for XXX credit inquiry on 1/20/26. - Due Diligence Vendor-03/09/2026 <br> Ready for Review-Document Uploaded. - Seller-03/09/2026 <br> Open-Borrower 1 Gap Credit Report is Missing Missing Gap report which is required if Note date is greater than 30 days after the date of the original credit report of XXX. - Due Diligence Vendor-03/09/2026 | Ready for Review-Document Uploaded. - Seller-03/09/2026 <br>Ready for Review-Document Uploaded. - Seller-03/09/2026<br>| Resolved-Received borrower inquiry letter. - Due Diligence Vendor-03/09/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  | Credit Report refresh.pdf<br> Letter of Explanation – Auto Dealership Visit- XXX XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 65171943 | XXX | XXX D A | Closed | FCRE8611 | 2026-03-18 16:35 | 2026-03-24 16:49 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Received supporting documentation. - Due Diligence Vendor-03/24/2026 <br> Ready for Review-Document Uploaded. - Seller-03/24/2026 <br> Open-Missing two years of W-2 transcripts for the borrower associated with XXX. Additionally, documentation is needed to verify that XXX is the same entity as XXX/XXX. - Due Diligence Vendor-03/18/2026 | Ready for Review-Document Uploaded. - Seller-03/24/2026<br>| Resolved-Received supporting documentation. - Due Diligence Vendor-03/24/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80% |  | XXX W2 Transcript.pdf<br> XXX.pdf<br> email XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 65171943 | XXX | XXX D A | Closed | FCRE5783 | 2026-03-17 11:44 | 2026-03-23 10:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Gap Credit Report is Missing | Resolved-Received UDN report reflecting no new debt or inquiries. - Due Diligence Vendor-03/23/2026 <br> Ready for Review-Document Uploaded. - Seller-03/23/2026 <br> Counter-Received UDN for Borrower 1. Still missing UDN for Borrower 2. - Due Diligence Vendor-03/20/2026 <br> Ready for Review-Document Uploaded. XXX inquiry and XXX already on 1003 - Seller-03/20/2026 <br> Open-Borrower 2 Gap Credit Report is Missing UDN was provided for Borrower however it was not provided for Co-Borrower. Missing UDN for Co-borrower or Gap report if Note date is greater than 30 days after the date of the original credit report of XXX. - Due Diligence Vendor-03/18/2026 | Ready for Review-Document Uploaded. - Seller-03/23/2026 <br> Ready for Review-Document Uploaded. XXX inquiry and XXX already on 1003 - Seller-03/20/2026 | Resolved-Received UDN report reflecting no new debt or inquiries. - Due Diligence Vendor-03/23/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80% |  | XXX UDN.pdf<br> XXX UDN.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 65171943 | XXX | XXX D A | Closed | FCRE7871 | 2026-03-17 14:41 | 2026-03-20 11:44 | Resolved | 1 - Information B A | Credit | Data | Final 1008 Loan Amount Variance | Resolved-Received revised 1008 reflecting the correct Loan Amount/DTI. - Due Diligence Vendor-03/20/2026 <br> Ready for Review-Document Uploaded. - Seller-03/20/2026 <br> Open-A 1008 reflecting the correct loan amount of $XXX is missing; the version in the file shows a loan amount of $XXX. This discrepancy affects the DTI calculation. The audited DTI is XXX/XXX%, while the 1008 reflects XXX/XXX%.<br> - Due Diligence Vendor-03/17/2026 | Ready for Review-Document Uploaded. - Seller-03/20/2026<br>| Resolved-Received revised 1008 reflecting the correct Loan Amount/DTI. - Due Diligence Vendor-03/20/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80% |  | 1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 65171943 | XXX | XXX D A | Closed | FCOM8805 | 2026-03-17 15:06 | 2026-03-20 11:43 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received borrower authorization. - Due Diligence Vendor-03/20/2026 <br> Ready for Review-Document Uploaded. - Seller-03/20/2026 <br> Open-Credit report dated XXX pulled by XXX is dated prior to the borrower's authorization dated XXX. Missing documentation to support borrower's authorization to pull credit pulled on XXX. - Due Diligence Vendor-03/17/2026 | Ready for Review-Document Uploaded. - Seller-03/20/2026<br>| Resolved-Received borrower authorization. - Due Diligence Vendor-03/20/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80% |  | credit authorization form.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 62763142 | XXX | XXX D A C | Closed | FCRE3653 | 2026-03-09 13:15 | 2026-03-17 12:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Received borrower cash out letter. - Due Diligence Vendor-03/17/2026 <br>Ready for Review-Document Uploaded. - Seller-03/17/2026 <br>Open-Missing cash out explanation letter. - Due Diligence Vendor-03/09/2026 | Ready for Review-Document Uploaded. - Seller-03/17/2026<br>| Resolved-Received borrower cash out letter. - Due Diligence Vendor-03/17/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  | XXX_LOE_for_cash_out.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 62763142 | XXX | XXX D A C | Closed | FCOM3527 | 2026-03-09 13:17 | 2026-03-16 15:59 | Resolved | 1 - Information C A | Compliance | TRID | Post Consummation CD issued improperly | Resolved-Received PCCD reflecting updated payment. - Due Diligence Vendor-03/16/2026 <br> Ready for Review-Document Uploaded. - Seller-03/16/2026 <br> Open-discrepancy with the PCCD which reflects the mortgage payment of $XXX however the note reflects $XXX. - Due Diligence Vendor-03/09/2026 | Ready for Review-Document Uploaded. - Seller-03/16/2026<br>| Resolved-Received PCCD reflecting updated payment. - Due Diligence Vendor-03/16/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  | PCCD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 62763142 | XXX | XXX D A C | Closed | FCRE5782 | 2026-03-06 10:39 | 2026-03-16 15:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received gap credit report reflecting no new debt or inquiries. - Due Diligence Vendor-03/16/2026 <br> Ready for Review-Document Uploaded. - Seller-03/16/2026 <br> Open-Borrower 1 Gap Credit Report is Missing Missing Gap report which is required if Note date is greater than 30 days after the date of the original credit report of XXX. - Due Diligence Vendor-03/09/2026 | Ready for Review-Document Uploaded. - Seller-03/16/2026<br>| Resolved-Received gap credit report reflecting no new debt or inquiries. - Due Diligence Vendor-03/16/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  | UDN XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 62763142 | XXX | XXX D A C | Closed | 1000907-1002617 | 2026-03-06 11:53 | 2026-03-16 08:50 | Resolved | 1 - Information C A | Compliance | Fees:Limited | Washington - Discount Points | Resolved-Received XXX that reflects Undiscounted Rate. - Due Diligence Vendor-03/16/2026 <br> Resolved- - Due Diligence Vendor-03/16/2026 <br> Ready for Review-Document Uploaded. - Seller-03/13/2026 <br> Open-The XXX Administrative Code requires the discount points actually lower the rate. The note rate (XXX%) is not lower than the undiscounted rate (0.0%). XXX 208-620-555(3)(e). - Due Diligence Vendor-03/06/2026 <br> Open- - Due Diligence Vendor-03/06/2026 <br> Open- - Due Diligence Vendor-03/06/2026 <br> Open- - Due Diligence Vendor-03/06/2026 | Ready for Review-Document Uploaded. - Seller-03/13/2026<br>| Resolved-Received Mavent that reflects Undiscounted Rate. - Due Diligence Vendor-03/16/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  | XXX_XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 61809389 | XXX | XXX D A | Closed | FCRE5782 | 2026-03-24 10:29 | 2026-03-26 15:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDN report reflecting no new debt or inquiries. - Due Diligence Vendor-03/26/2026 <br> Ready for Review-Document Uploaded. - Seller-03/26/2026 <br> Open-Borrower 1 Gap Credit Report is Missing Missing Gap report which is required if Note date is greater than 30 days after the date of the original credit report of XXX. - Due Diligence Vendor-03/26/2026 | Ready for Review-Document Uploaded. - Seller-03/26/2026<br>| Resolved-Received UDN report reflecting no new debt or inquiries. - Due Diligence Vendor-03/26/2026<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | XXX - UDN.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| XXX | 61809389 | XXX | XXX D A | Closed | FCOM8805 | 2026-03-24 11:51 | 2026-03-26 15:14 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received Borrower Authorization. - Due Diligence Vendor-03/26/2026 <br> Ready for Review-Document Uploaded. - Seller-03/26/2026 <br> Open-Credit report dated XXX pulled by XXX is dated prior to the borrower's authorization dated XXX. Missing documentation to support borrower's authorization to pull credit pulled on XXX - Due Diligence Vendor-03/24/2026 | Ready for Review-Document Uploaded. - Seller-03/26/2026<br>| Resolved-Received Borrower Authorization. - Due Diligence Vendor-03/26/2026<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | XXX - Verbal.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| XXX | 68616709 | XXX | XXX D A C | Closed | FCRE4963 | 2026-02-25 12:22 | 2026-03-02 16:04 | Resolved | 1 - Information C A | Credit | Debt | No evidence of required debt payoff | Resolved-Received Lender LOX regarding amount paid on final closing disclosure. - Due Diligence Vendor-03/02/2026 <br> Ready for Review-Document Uploaded. - Seller-02/27/2026 <br> Counter-Received account statement, however insufficient to clear condition as it is not an actual payoff statement. Still missing payoff statement from XXX to support payoff of $XXX reflected on the post consummation closing disclosure dated XXX. - Due Diligence Vendor-02/27/2026 <br> Ready for Review-Document Uploaded. - Seller-02/27/2026 <br> Open-Missing copy of payoff statement from XXX to support payoff of $XXX reflected on the post consummation closing disclosure dated XXX. - Due Diligence Vendor-02/25/2026 | Ready for Review-Document Uploaded. - Seller-02/27/2026 <br>Ready for Review-Document Uploaded. - Seller-02/27/2026<br>| Resolved-Received Lender LOX regarding amount paid on final closing disclosure. - Due Diligence Vendor-03/02/2026<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | XXX Car Loan Statement.pdf<br> uwloe.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 68616709 | XXX | XXX D A C | Closed | FCRE4805 | 2026-02-25 09:55 | 2026-02-27 16:42 | Resolved | 1 - Information C A | Credit | Eligibility | Trust/POA Does Not Meet Guideline Requirements | Resolved-Received title confirmation of trust review and approval. - Due Diligence Vendor-02/27/2026 <br> Ready for Review-Document Uploaded. - Seller-02/27/2026 <br> Counter-Received recorded deed of trust which is insufficient to clear condition. Still missing confirmation from the title company, the trust cert was reviewed and approved. - Due Diligence Vendor-02/27/2026 <br> Ready for Review-Document Uploaded. - Seller-02/27/2026 <br> Open-Trust/POA Does Not Meet Guideline Requirements Missing documentation from title stating title has reviewed and approved the trust or certificate of trust (where applicable by law). - Due Diligence Vendor-02/25/2026 | Ready for Review-Document Uploaded. - Seller-02/27/2026 <br>Ready for Review-Document Uploaded. - Seller-02/27/2026<br>| Resolved-Received title confirmation of trust review and approval. - Due Diligence Vendor-02/27/2026<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | Deed_Recorded.pdf<br> SKM_XXX_Recorded.pdf<br> TITLE EMAIL.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 68616709 | XXX | XXX D A C | Closed | FCRE1203 | 2026-02-26 19:07 | 2026-02-27 16:04 | Resolved | 1 - Information C A | Credit | Eligibility | Potential Fraud Reflected on Fraud Report | Resolved-Received supporting documentation of no ownership. - Due Diligence Vendor-02/27/2026 <br> Ready for Review-Document Uploaded. - Seller-02/27/2026 <br> Open-Potential Fraud Reflected on Fraud Report Missing documentation to support tax/haz/hoa and any owing mortgage obligation for the following two properties shown on the Fraud report as owed by the borrower (XXX): 1) XXX; 2) XXX. Subject to re-calculation of debt ratio upon receipt. - Due Diligence Vendor-02/27/2026 | Ready for Review-Document Uploaded. - Seller-02/27/2026<br>| Resolved-Received supporting documentation of no ownership. - Due Diligence Vendor-02/27/2026<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | XXX - SOLD XX.pdf<br> XXX - SOLD XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 68616709 | XXX | XXX D A C | Closed | FCRE1148 | 2026-02-25 10:45 | 2026-02-27 09:44 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received revised title commitment reflecting sufficient title coverage. - Due Diligence Vendor-02/27/2026 <br> Ready for Review-Document Uploaded. - Seller-02/27/2026 <br> Open-Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien(s) of $XXX Missing title supplement Title Coverage Amount of $XXX does not cover loan amount $XXX - Due Diligence Vendor-02/25/2026 | Ready for Review-Document Uploaded. - Seller-02/27/2026<br>| Resolved-Received revised title commitment reflecting sufficient title coverage. - Due Diligence Vendor-02/27/2026<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | Preliminary_Title_Report_-_NV.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 68616709 | XXX | XXX D A C | Closed | 50001251-Fees-Limited | 2026-02-25 11:24 | 2026-02-27 09:02 | Resolved | 1 - Information C A | Compliance | Mavent | Fees: Limited | Resolved-Received Notice of Change Circumstances Reasons dated XXX that reflects Lock with point charge. - Due Diligence Vendor-02/27/2026 <br> Resolved-Resolved - Due Diligence Vendor-02/27/2026 <br> Ready for Review-Document Uploaded. - Seller-02/27/2026 <br> Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: 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. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). On the Revised Loan Estimate IssuedXXX the "Points" increased without a valid Change of Circumstance, resulting in the following Fail:The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: 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. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). - Due Diligence Vendor-02/25/2026 <br> Open- - Due Diligence Vendor-02/25/2026 <br> Open- - Due Diligence Vendor-02/25/2026 | Ready for Review-Document Uploaded. - Seller-02/27/2026<br>| Resolved-Received Notice of Change Circumstances Reasons dated XXX that reflects Lock with point charge. - Due Diligence Vendor-02/27/2026 <br> Resolved-Resolved - Due Diligence Vendor-02/27/2026 | LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | LE CIC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 68616709 | XXX | XXX D A C | Closed | FCOM1477 | 2026-02-25 11:24 | 2026-02-27 09:00 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Received Lock Confirmation that reflects Lock Date of XXX. - Due Diligence Vendor-02/27/2026 <br> Ready for Review-Document Uploaded. - Seller-02/27/2026 <br> Open-Evidence of Rate Lock Missing Revised Loan Estimate (LE) in file Issued XXX reflects loan as locked, however, missing any form of rate lock confirmation that reflects the date the rate was locked. - Due Diligence Vendor-02/25/2026 | Ready for Review-Document Uploaded. - Seller-02/27/2026<br>| Resolved-Received Lock Confirmation that reflects Lock Date of XXX. - Due Diligence Vendor-02/27/2026 | LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | INVESTOR LOCK.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 60314688 | XXX | XXX D A | Closed | FCOM1221 | 2026-03-05 12:13 | 2026-03-12 08:40 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-Received Deed of Trust inclusive of Legal Description. - Due Diligence Vendor-03/12/2026 <br> Ready for Review-Document Uploaded. - Seller-03/11/2026 <br> Open-The Deed of Trust is Incomplete The Deed of Trust is missing the legal description attached as Exhibit A. Deed of Trust in file dated XXX reflects "SEE LEGAL DESCRIPTION ATTACHED HERETO AND MADE A PART HEREOF AS "EXHIBIT A"." on Page 2, however, Exhibit A is missing. Need full copy of Deed of Trust inclusive of Exhibit A Legal Description and any Riders. - Due Diligence Vendor-03/05/2026 | Ready for Review-Document Uploaded. - Seller-03/11/2026<br>| Resolved-Received Deed of Trust inclusive of Legal Description. - Due Diligence Vendor-03/12/2026<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Months Reserves exceed minimum required - XXX months reserves, minimum reserves required per guidelines is 0 months |  | Deed Of Trust.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 63375763 | XXX | XXX D B A | Closed | FCOM6722 | 2026-03-11 12:35 | 2026-03-17 11:33 | Resolved | 1 - Information C A | Compliance | Closing | Mortgage not properly executed | Resolved-Received Note and Recorded Mortgage that reflect Lender as "XXX." - Due Diligence Vendor-03/17/2026 <br> Ready for Review-Document Uploaded. - Seller-03/17/2026 <br> Open-LOAN ORIGINATORS COMPANY NAME ON NOTE/FINAL MORTGAGE DOES NOT MATCH NAME ON THE FINAL URLA. Both the Note and the Mortgage in file reflect the Lender as "XXX, a Limited Liability Corporation." Need final signed corrected copy of both the Note and Mortgage to reflect "XXX" as Lender. All lender docs in the closing package have the incorrect Lenders Name listed (23 documents). Security Instrument will also need to be re-recorded. - Due Diligence Vendor-03/11/2026 | Ready for Review-Document Uploaded. - Seller-03/17/2026<br>| Resolved-Received Note and Recorded Mortgage that reflect Lender as "XXX." - Due Diligence Vendor-03/17/2026 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660 |  | XXX - Note and Mortgage.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 63375763 | XXX | XXX D B A | Closed | FCOM8983 | 2026-03-11 11:36 | 2026-03-12 16:20 | Resolved | 1 - Information C A | Compliance | TRID | Final CD: Lender is missing or inaccurate | Resolved-Received Post Consummation Closing Disclosure Issued XXX that reflects Lender as "XXX" - Due Diligence Vendor-03/12/2026 <br> Ready for Review-Document Uploaded. - Seller-03/12/2026 <br> Open-LOAN ORIGINATORS COMPANY NAME ON CD - PAGE 1 DOES NOT MATCH NAME ON THE FINAL URLA. According to the final URLA/1003, the correct lender name is XXX, and the loan originator is XXX. However, the Closing Disclosure incorrectly lists the lender name as "XXX, a Limited Liability Corporation." Please revise the Closing Disclosure to reflect the correct lender name and ensure all loan documents are consistent with the final URLA/1003 - Due Diligence Vendor-03/11/2026 | Ready for Review-Document Uploaded. - Seller-03/12/2026<br>| Resolved-Received Post Consummation Closing Disclosure Issued XXX that reflects Lender as "XXX" - Due Diligence Vendor-03/12/2026 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660 |  | XXX pccd.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 63375763 | XXX | XXX D B A | Closed | FCOM8805 | 2026-03-11 12:54 | 2026-03-12 15:55 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received borrower authorization. - Due Diligence Vendor-03/12/2026 <br> Ready for Review-Document Uploaded. - Seller-03/12/2026 <br> Open-Credit report dated XXX pulled by XXX is dated prior to the borrower's authorization dated XXX. Missing documentation to support borrower's authorization to pull credit pulled on XXX. - Due Diligence Vendor-03/11/2026 | Ready for Review-Document Uploaded. - Seller-03/12/2026<br>| Resolved-Received borrower authorization. - Due Diligence Vendor-03/12/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660 |  | XXX - Credit Auth.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 63375763 | XXX | XXX D B A | Closed | FPRO1244 | 2026-03-12 15:01 | 2026-03-12 15:01 | Waived | 2 - Non-Material B | Property | Missing Doc | 3rd Party Valuation Product is Required and Missing | Waived-Exception Approval in file for AVM confidence score is less than 90% at XXX%. - Due Diligence Vendor-03/12/2026 |  | Waived-Exception Approval in file for AVM confidence score is less than 90% at XXX%. - Due Diligence Vendor-03/12/2026 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 660 | Comp Factors: <br> XXX% LTV. XXX% CLTV<br> Same job over XXX years<br> No late payments on consumer credit accounts. Re-established credit after adverse<br> credit - bankruptcy XXX |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No |
| XXX | 64801013 | XXX | XXX D A | Closed | FSER1201 | 2026-03-16 15:04 | 2026-03-20 09:23 | Resolved | 1 - Information A | Credit | Missing Doc | Loan Approval is missing | Resolved-Received revised Loan Approval reflecting correct Appraised Value. - Due Diligence Vendor-03/20/2026 <br> Ready for Review-Document Uploaded. - Seller-03/19/2026 <br> Open-"Loan Approval is provided However, appraised value on the approval differs from the appraisal report, causing an LTV/CLTV variance." - Due Diligence Vendor-03/16/2026 | Ready for Review-Document Uploaded. - Seller-03/19/2026<br>| Resolved-Received revised Loan Approval reflecting correct Appraised Value. - Due Diligence Vendor-03/20/2026<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | XXX - Approval.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 64801013 | XXX | XXX D A | Closed | FCOM4227 | 2026-03-16 15:16 | 2026-03-20 09:08 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Received Initial Closing Disclosure Issued XXX. - Due Diligence Vendor-03/20/2026 <br> Ready for Review-Document Uploaded. - Seller-03/19/2026 <br> Open-Missing Initial Closing Disclosure. Unable to perform Regulatory Compliance review and TRID Monitoring. - Due Diligence Vendor-03/16/2026 | Ready for Review-Document Uploaded. - Seller-03/19/2026<br>| Resolved-Received Initial Closing Disclosure Issued XXX. - Due Diligence Vendor-03/20/2026 | LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | XXX - Initial CD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 64801013 | XXX | XXX D A | Closed | FCOM8807 | 2026-03-16 14:47 | 2026-03-20 09:07 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Appraisal Acknowledgement | Resolved-Received Borrower Acknowledgement of Appraisal Delivery. - Due Diligence Vendor-03/20/2026 <br>Ready for Review-Document Uploaded. - Seller-03/19/2026 <br>Open- - Due Diligence Vendor-03/16/2026 | Ready for Review-Document Uploaded. - Seller-03/19/2026<br>| Resolved-Received Borrower Acknowledgement of Appraisal Delivery. - Due Diligence Vendor-03/20/2026<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | XXX - Appraisal Ack.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 64801013 | XXX | XXX D A | Closed | FCRE5782 | 2026-03-16 14:12 | 2026-03-19 17:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Received UDN report reflecting no new debt or inquiries. - Due Diligence Vendor-03/19/2026 <br>Ready for Review-Document Uploaded. - Seller-03/19/2026 <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-03/16/2026 | Ready for Review-Document Uploaded. - Seller-03/19/2026<br>| Resolved-Received UDN report reflecting no new debt or inquiries. - Due Diligence Vendor-03/19/2026<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | XXX - UDN.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 64801013 | XXX | XXX D A | Closed | FCOM8805 | 2026-03-16 15:15 | 2026-03-19 17:02 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received borrower authorization. - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Document Uploaded. - Seller-03/19/2026 <br> Open-Credit report dated XXX pulled by XXX is dated prior to the borrower's authorization dated XXX. Missing documentation to support borrower's authorization to pull credit pulled on XXX. - Due Diligence Vendor-03/16/2026 | Ready for Review-Document Uploaded. - Seller-03/19/2026<br>| Resolved-Received borrower authorization. - Due Diligence Vendor-03/19/2026<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | XXX - Credit Auth.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 65141658 | XXX | XXX C A | Closed | FCRE8611 | 2026-03-13 21:12 | 2026-03-17 15:45 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Received revised URLA reflecting corrected income for both borrowers. - Due Diligence Vendor-03/17/2026 <br> Ready for Review-Document Uploaded. - Seller-03/17/2026 <br> Open-The CPA letter indicates that Borrower 1 holds 19% ownership and Borrower 2 holds 66% ownership. Currently, only Borrower 1's income is being used to qualify; however, the qualification is based on the combined ownership percentage of both borrowers (85%). Because Borrower 1's actual ownership percentage (19%) is below the 85% being used for qualification, Borrower 1 does not meet the required ownership threshold to utilize the full 85%. Missing either an updated Final 1003/URLA for Borrower 2 that includes their income information, or an updated CPA letter and an amended operating agreement executed by all parties reflecting Borrower 1's ownership percentage as 85%. Subject to re-calculation of income and additional conditions upon receipt. - Due Diligence Vendor-03/14/2026 | Ready for Review-Document Uploaded. - Seller-03/17/2026<br>| Resolved-Received revised URLA reflecting corrected income for both borrowers. - Due Diligence Vendor-03/17/2026<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%.<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720. |  | Condition #1 XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 68937364 | XXX | XXX D A | Closed | FCRE7497 | 2026-02-25 14:52 | 2026-03-03 16:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received supporting documentation property has been sold. - Due Diligence Vendor-03/03/2026 <br> Ready for Review-Document Uploaded. Please find attached the property profile for the subject property and the most recent 1003. We respectfully request to waive this condition. - Seller-03/03/2026 <br> Counter-Lender commentary received, however insufficient to clear condition as XXX property is reflected on the final URLA as retained. Still missing documentation to support taxes, hazard, HOA, and any mortgage obligations against property at XXX Subject to re-calculation of debt ratio upon receipt. - Due Diligence Vendor-03/02/2026 <br> Ready for Review-The subject property was already sold in XXX, and there are no other outstanding debts associated with it. I kindly request to waive the condition. - Seller-03/02/2026 <br> Open-Missing documentation to support taxes, hazard, HOA, and any mortgage obligations against property at XXX. Subject to re-calculation of debt ratio upon receipt. - Due Diligence Vendor-02/27/2026 | Ready for Review-Document Uploaded. Please find attached the property profile for the subject property and the most recent 1003. We respectfully request to waive this condition. - Seller-03/03/2026 <br> Ready for Review-The subject property was already sold in XXX, and there are no other outstanding debts associated with it. I kindly request to waive the condition. - Seller-03/02/2026 | Resolved-Received supporting documentation property has been sold. - Due Diligence Vendor-03/03/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | 1003.pdf<br> XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 68937364 | XXX | XXX D A | Closed | FCRE1676 | 2026-02-27 12:00 | 2026-03-03 09:46 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Credit General | Resolved-Received title supplement reflecting title item #19 will not be reflected on final title policy. - Due Diligence Vendor-03/03/2026 <br> Ready for Review-Document Uploaded. The title supplement already included in the closed package. Please review and waive the condition. - Seller-03/02/2026 <br> Open-Missing documentation to support title item #19 (tax lien $XXX) was satisfactorily paid/released. - Due Diligence Vendor-02/27/2026 | Ready for Review-Document Uploaded. The title supplement already included in the closed package. Please review and waive the condition. - Seller-03/02/2026<br>| Resolved-Received title supplement reflecting title item #19 will not be reflected on final title policy. - Due Diligence Vendor-03/03/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | Title Supplement 18,19.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 66161209 | XXX | XXX D A | Closed | FCOM8805 | 2026-03-11 13:58 | 2026-03-17 10:30 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received borrower authorization. - Due Diligence Vendor-03/17/2026 <br> Ready for Review-Document Uploaded. - Seller-03/17/2026 <br> Open-Credit report dated XXX pulled by XXX is dated prior to the borrower's authorization dated XXX. Missing documentation to support borrower's authorization to pull credit pulled on XXX - Due Diligence Vendor-03/11/2026 | Ready for Review-Document Uploaded. - Seller-03/17/2026<br>| Resolved-Received borrower authorization. - Due Diligence Vendor-03/17/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80% |  | Borrower's Authorization XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 66161209 | XXX | XXX D A | Closed | FCOM1231 | 2026-03-10 10:13 | 2026-03-16 08:47 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Received Initial Uniform Residential Loan Application. - Due Diligence Vendor-03/16/2026 <br> Ready for Review-Document Uploaded. - Seller-03/14/2026 <br> Open-The Initial 1003 is Missing - Due Diligence Vendor-03/10/2026 | Ready for Review-Document Uploaded. - Seller-03/14/2026<br>| Resolved-Received Initial Uniform Residential Loan Application. - Due Diligence Vendor-03/16/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80% |  | Condition #1.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 61105298 | XXX | XXX D A C | Closed | FCRE1193 | 2026-03-20 16:34 | 2026-03-23 09:39 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Audited DTI of XXX% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-03/23/2026 <br> Open-Audited DTI of XXX% exceeds Guideline DTI of 50%. 1008 doesn't appear to be considering negative rent from properties. - Due Diligence Vendor-03/20/2026 |  | Resolved-Audited DTI of XXX% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-03/23/2026 | Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 61105298 | XXX | XXX D A C | Closed | FVAL9739 | 2026-03-12 15:42 | 2026-03-20 16:12 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Received Property Condition Inspection. - Due Diligence Vendor-03/20/2026 <br>Ready for Review-Document Uploaded. - Seller-03/20/2026 <br>Open-Missing Property Condition Inspection report - Due Diligence Vendor-03/12/2026 | Ready for Review-Document Uploaded. - Seller-03/20/2026<br>| Resolved-Received Property Condition Inspection. - Due Diligence Vendor-03/20/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX XXX_XXX_XX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 61105298 | XXX | XXX D A C | Closed | FCRE9814 | 2026-03-17 16:58 | 2026-03-19 09:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Trust Agreement | Resolved-Received final title policy reflecting no exceptions to the Trust. - Due Diligence Vendor-03/19/2026 <br>Ready for Review-Document Uploaded. See attached Final Title Policy with the Trust exception removed - Seller-03/18/2026 <br>Open-Missing Trust approval from title. - Due Diligence Vendor-03/17/2026 | Ready for Review-Document Uploaded. See attached Final Title Policy with the Trust exception removed - Seller-03/18/2026<br>| Resolved-Received final title policy reflecting no exceptions to the Trust. - Due Diligence Vendor-03/19/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX XXX Loan Policy.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 63936788 | XXX | XXX D A | Closed | FCOM8805 | 2026-03-16 14:42 | 2026-03-19 09:21 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received borrower authorization. - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Document Uploaded. - Seller-03/18/2026 <br> Open-Credit report dated XXX pulled by XXX is dated prior to the borrower's authorization dated XXX. Missing documentation to support borrower's authorization to pull credit pulled on XXX - Due Diligence Vendor-03/16/2026 | Ready for Review-Document Uploaded. - Seller-03/18/2026<br>| Resolved-Received borrower authorization. - Due Diligence Vendor-03/19/2026<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 70%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 680 |  | Borrower's Auth esigned XXX.pdf | ATR/QM: Exempt | ATR/QM: Exempt | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 69709483 | XXX | XXX D A | Closed | FCRE1676 | 2026-02-18 12:13 | 2026-02-25 14:21 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Credit General | Resolved-Lender LOX received, along with file documentation supporting XXX was original lender dated XXX and has since transferred to XXX. - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Document Uploaded. - Seller-02/25/2026 <br> Open-XXX was recently refinanced with XXX, Missing CD reflecting new payment. Subject to recalculation of DTI upon receipt. - Due Diligence Vendor-02/18/2026 | Ready for Review-Document Uploaded. - Seller-02/25/2026<br>| Resolved-Lender LOX received, along with file documentation supporting XXX was original lender dated XXX and has since transferred to XXX. - Due Diligence Vendor-02/25/2026 | LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 60%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | XXX_LOE REBUTTAL RESPONSE FOR XXX.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| XXX | 69709483 | XXX | XXX D A | Closed | FCRE1345 | 2026-02-18 12:07 | 2026-02-25 14:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Lease Agreements Missing | Resolved-Received Lender LOX reflecting leases have converted to month to month tenancy. - Due Diligence Vendor-02/25/2026 <br> Ready for Review-Document Uploaded. - Seller-02/25/2026 <br> Open-Missing lease extension for XXX (exp: XXX),XXX. (Exp: XXX) & XXX. (Exp:XXX). - Due Diligence Vendor-02/18/2026 | Ready for Review-Document Uploaded. - Seller-02/25/2026<br>| Resolved-Received Lender LOX reflecting leases have converted to month to month tenancy. - Due Diligence Vendor-02/25/2026<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 60%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | XXX_LOE REBUTTAL FOR LEASE EXTENSIONS.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| XXX | 69709483 | XXX | XXX D A | Closed | FCOM8805 | 2026-02-17 14:11 | 2026-02-19 13:23 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received borrower authorization. - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Document Uploaded. - Seller-02/19/2026 <br> Open-Credit report dated XXX pulled by XXX is dated prior to the borrower's authorization dated XXX Missing documentation to support borrower's authorization to pull credit pulled on XXX - Due Diligence Vendor-02/17/2026 | Ready for Review-Document Uploaded. - Seller-02/19/2026<br>| Resolved-Received borrower authorization. - Due Diligence Vendor-02/19/2026<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 60%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | XXX_BORROWERS AUTHORIZATION.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| XXX | 69709483 | XXX | XXX D A | Closed | FCRE1148 | 2026-02-17 11:27 | 2026-02-19 13:22 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received title policy reflecting sufficient title coverage. - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Document Uploaded. - Seller-02/19/2026 <br> Open-Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien(s) of $XXX Missing title supplement with coverage amount $XXX - Due Diligence Vendor-02/17/2026 | Ready for Review-Document Uploaded. - Seller-02/19/2026<br>| Resolved-Received title policy reflecting sufficient title coverage. - Due Diligence Vendor-02/19/2026<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 60%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720 |  | XXX_FINAL TITLE POLICY.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| XXX | 66054572 | XXX | XXX D A | Closed | FCOM8805 | 2026-02-09 17:18 | 2026-02-11 11:19 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received borrower authorization. - Due Diligence Vendor-02/11/2026 <br> Ready for Review-Document Uploaded. - Seller-02/11/2026 <br> Open-Credit report dated XXX pulled byXXX dba XXX is dated prior to the borrower's authorization dated XXX. Missing documentation to support borrower's authorization to pull credit pulled on XXX. - Due Diligence Vendor-02/09/2026 | Ready for Review-Document Uploaded. - Seller-02/11/2026<br>| Resolved-Received borrower authorization. - Due Diligence Vendor-02/11/2026<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 70%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%. |  | XXX_BORROWER CERTIFICATION &AUTHORIZATION- B ESIGNED.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 65648774 | XXX | XXX C A | Closed | FCRE1148 | 2026-02-17 16:27 | 2026-02-19 14:14 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received title policy reflecting sufficient title coverage. - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Document Uploaded. - Seller-02/19/2026 <br> Open-Title Coverage Amount of $XXX is Less than Total Amount of Subject Lien(s) of $XXX Missing an updated title commitment or title supplement reflecting the title policy coverage. - Due Diligence Vendor-02/18/2026 | Ready for Review-Document Uploaded. - Seller-02/19/2026<br>| Resolved-Received title policy reflecting sufficient title coverage. - Due Diligence Vendor-02/19/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 70%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50% |  | XXX_FINAL TITLE POLICY.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| XXX | 68633227 | XXX | XXX D A | Closed | FCRE7878 | 2025-12-01 13:26 | 2025-12-17 16:02 | Resolved | 1 - Information B A | Credit | Data | Final 1008 Total Debt income Ratio Variance | Resolved-Received updated 1008 reflecting corrected DTI. - Due Diligence Vendor-12/17/2025 <br> Ready for Review-Document Uploaded. - Seller-12/17/2025 <br> Open-There is a discrepancy between the DTI XXX% on the Final 1008 submitted and the audited DTI of XXX due to the new XXX 2nd Lien for property located at XXX was not included in the calculation. - Due Diligence Vendor-12/01/2025 | Ready for Review-Document Uploaded. - Seller-12/17/2025<br>| Resolved-Received updated 1008 reflecting corrected DTI. - Due Diligence Vendor-12/17/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 85% |  | XXX_FINAL TRANSMITTAL SUMMARY 1008.pdf<br> XXX_FINAL 1003.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 68633227 | XXX | XXX D A | Closed | FCRE6546 | 2025-12-01 13:21 | 2025-12-08 16:56 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Received supporting documentation for new 2nd lien with XXX. - Due Diligence Vendor-12/08/2025 <br> Ready for Review-Document Uploaded. - Seller-12/08/2025 <br> Counter-Received property report, however insufficient to clear condition. Still missing new loan terms of new 2nd lien for property located at XXX. Subject to recalculation of DTI. - Due Diligence Vendor-12/03/2025 <br> Ready for Review-Document Uploaded. - Seller-12/03/2025 <br> Open-Missing all supporting documentation for new XXX 2nd Line for property located at XXX' Subject t recalculation of DTI. - Due Diligence Vendor-12/01/2025 | Ready for Review-Document Uploaded. - Seller-12/08/2025 <br>Ready for Review-Document Uploaded. - Seller-12/03/2025<br>| Resolved-Received supporting documentation for new 2nd lien with XXX. - Due Diligence Vendor-12/08/2025 | Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 85% |  | XXX_XXX.pdf<br> XXX_XXX.pdf<br> XXX_NEW XXX PITIA FOR XXX PROPERTY.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 68633227 | XXX | XXX D A | Closed | FCOM8807 | 2025-11-24 09:48 | 2025-12-02 17:00 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Appraisal Acknowledgement | Resolved-Received Certified Secure Electronic Delivery of Appraisal/Valuation Report. - Due Diligence Vendor-12/02/2025 <br>Ready for Review-Document Uploaded. - Seller-12/02/2025 <br>Open-Missing Appraisal Acknowledgement from the file. - Due Diligence Vendor-11/24/2025 | Ready for Review-Document Uploaded. - Seller-12/02/2025<br>| Resolved-Received Certified Secure Electronic Delivery of Appraisal/Valuation Report. - Due Diligence Vendor-12/02/2025<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 85% |  | XXX_SURE RECEIPTS.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 63076278 | XXX | XXX B A | Closed | FCRE7878 | 2026-01-13 12:45 | 2026-01-15 09:24 | Resolved | 1 - Information B A | Credit | Data | Final 1008 Total Debt income Ratio Variance | Resolved-Received updated 1008 reflecting corrected DTI. - Due Diligence Vendor-01/15/2026 <br> Ready for Review-Document Uploaded. - Seller-01/14/2026 <br> Open-The audited Ratios are XXX/XXX vs 1008 Ratios XXX/XXX, it appears lender did not qualify Lender did not qualify a 2nd Lien loan with 1st lien Payment included. - Due Diligence Vendor-01/13/2026 | Ready for Review-Document Uploaded. - Seller-01/14/2026<br>| Resolved-Received updated 1008 reflecting corrected DTI. - Due Diligence Vendor-01/15/2026<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80% |  | XXX_TRANSMITTAL SUMMARY 1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 69468788 | XXX | XXX D A | Closed | FCRE1316 | 2026-02-24 13:37 | 2026-04-03 12:22 | 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 Missing - Due Diligence Vendor-04/03/2026 <br>Resolved-Received VVOE prior to closing. - Due Diligence Vendor-02/26/2026 <br>Ready for Review-Document Uploaded. - Seller-02/26/2026 <br>Open-Borrower 1 3rd Party VOE dated within 30 days of close is missing - Due Diligence Vendor-02/26/2026 | Ready for Review-Document Uploaded. - Seller-02/26/2026<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-04/03/2026 <br>Resolved-Received VVOE prior to closing. - Due Diligence Vendor-02/26/2026<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  | XXX_VVOE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 69468788 | XXX | XXX D A | Closed | FCRE4963 | 2026-02-24 13:54 | 2026-03-04 16:02 | Resolved | 1 - Information C A | Credit | Debt | No evidence of required debt payoff | Resolved-Received Lender LOX regarding payoff amount. - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Document Uploaded. - Seller-03/03/2026 <br> Open-Payoff statement is missing for XXX Installment Loan #XXX to support payoff of $XXX on the Post Consummation CD dated XXX. - Due Diligence Vendor-02/24/2026 | Ready for Review-Document Uploaded. - Seller-03/03/2026<br>| Resolved-Received Lender LOX regarding payoff amount. - Due Diligence Vendor-03/04/2026<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 90% |  | XXX_LOE REBUTTAL RESPONSE UW.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 64005950 | XXX | XXX D A C | Closed | FCRE1193 | 2026-01-28 16:24 | 2026-02-05 11:02 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Received XXX XXX W2 for XXX. - Due Diligence Vendor-02/05/2026 <br> Ready for Review-Document Uploaded. - Seller-02/04/2026 <br> Counter-Received WVOE for XXX income, however it is incomplete as only XXX income from XXX to XXX is reflected. Per cover page, document should be 7 pages, however only 4 pages of income were provided. Still missing XXX W2 for XXX income or provide all pages of WVOE. - Due Diligence Vendor-02/04/2026 <br> Ready for Review-Document Uploaded. UW RESPONSE - I never requested XXX W2 for XXX because we have a full written VOE. - Seller-02/04/2026 <br> Counter-Received W2 already included in loan file. Still missing W2 for XXX XXX earnings in the name of XXX. - Due Diligence Vendor-02/03/2026 <br> Ready for Review-Document Uploaded. - Seller-02/02/2026 <br> Counter-Received new 1008 with lender using ytd earning for the XXX earnings however missing the XXX w2. - Due Diligence Vendor-02/02/2026 <br> Resolved-Audited DTI of XXX% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-02/02/2026 <br> Ready for Review-Document Uploaded. UNDERWRITER RESPONSE - 1008 and approval at closing show DTI XXX/XXX - Seller-01/30/2026 <br> Open-Audited DTI of XXX% exceeds Guideline DTI of 50%. Missing lender exception allowing DTI over 50%. - Due Diligence Vendor-01/29/2026 | Ready for Review-Document Uploaded. - Seller-02/04/2026 <br> Ready for Review-Document Uploaded. UW RESPONSE - I never requested XXX W2 for XXX because we have a full written VOE. - Seller-02/04/2026 <br> Ready for Review-Document Uploaded. - Seller-02/02/2026 <br> Ready for Review-Document Uploaded. UNDERWRITER RESPONSE - 1008 and approval at closing show DTI XXX/XXX<br>- Seller-01/30/2026 | Resolved-Received XXX XXX W2 for XXX. - Due Diligence Vendor-02/05/2026 <br> Resolved-Audited DTI of XXX% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-02/02/2026 | LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 85% |  | XXX_LOAN APPROVAL CERT.pdf<br> XXX_TRANSMITTAL SUMMARY 1008.pdf<br> XXX_XXX XXX W2.pdf<br> XXX_WRITTEN VOE BORROWER.pdf<br> XXX_W2 XXX XXX (2).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 64005950 | XXX | XXX D A C | Closed | FCOM8805 | 2026-01-28 16:33 | 2026-01-29 15:03 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Borrower Authorization | Resolved-Received borrower authorization. - Due Diligence Vendor-01/29/2026 <br>Ready for Review-Document Uploaded. - Seller-01/29/2026 <br>Open- - Due Diligence Vendor-01/28/2026 | Ready for Review-Document Uploaded. - Seller-01/29/2026<br>| Resolved-Received borrower authorization. - Due Diligence Vendor-01/29/2026<br>| LTV is less than guideline maximum - XXX% LTV is XXX% less than maximum LTV per guidelines 85% |  | XXX_BORROWER AUTHORIZATION.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 62456117 | XXX | XXX D A | Closed | FCRE7850 | 2026-03-02 14:02 | 2026-03-19 13:49 | Resolved | 1 - Information B A | Credit | Data | Appraisal Occupancy Variance | Resolved-Received corrected appraisal reflecting tenant occupied. - Due Diligence Vendor-03/19/2026 <br>Ready for Review-Document Uploaded. - Seller-03/19/2026 <br>Counter-Received 1007, however missing complete appraisal report reflecting property is tenant occupied. - Due Diligence Vendor-03/19/2026 <br>Ready for Review-Document Uploaded. - Seller-03/19/2026 <br>Open-Missing evidence of Appraisal Report reflecting occupancy of Tenant. Subject transaction is for an Investment Property. - Due Diligence Vendor-03/02/2026 | Ready for Review-Document Uploaded. - Seller-03/19/2026 <br>Ready for Review-Document Uploaded. - Seller-03/19/2026<br>| Resolved-Received corrected appraisal reflecting tenant occupied. - Due Diligence Vendor-03/19/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX_FORM 1007 (2).pdf<br> XXX_APPRAISAL REPORT.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 62456117 | XXX | XXX D A | Closed | FCRE1728 | 2026-03-02 14:03 | 2026-03-19 13:18 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing rent comparable schedule form 1007 | Resolved-Received 1007 Rent Schedule. - Due Diligence Vendor-03/19/2026 <br>Ready for Review-Document Uploaded. - Seller-03/19/2026 <br>Open-Missing evidence of Rent Schedule, form 1007, per FNMA Guidelines for subject property. Subject to re-review and possible recalculation of Rental Income, DTI. - Due Diligence Vendor-03/02/2026 | Ready for Review-Document Uploaded. - Seller-03/19/2026<br>| Resolved-Received 1007 Rent Schedule. - Due Diligence Vendor-03/19/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX_FORM 1007 (2).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 62456117 | XXX | XXX D A | Closed | FCRE4963 | 2026-03-02 14:04 | 2026-03-19 10:56 | Resolved | 1 - Information C A | Credit | Debt | No evidence of required debt payoff | Resolved-Received updated 1008/1003 including debt in DTI. - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Document Uploaded. UNDERWRITER RESPONSE - UW BASED THE AMOUNT OF DEBT ON THE PREVIOUS CREDIT REPORT SO NOW SHE INCLUDE THE THIS INTO THE DTI THAT WAS ALREADY APPLIED IN THE UPLOADED DOCUMENTS FINAL 1003 AND TRANSMITTAL SUMMARY 1008 - Seller-03/18/2026 <br> Counter-Lender LOX received, however insufficient to clear condition as amounts reflected on XXX gap report do not match amounts reflected on final closing disclosure. - Due Diligence Vendor-03/05/2026 <br> Ready for Review-Document Uploaded. - Seller-03/04/2026 <br> Open-Missing evidence of Payoff Statements for XXX xxXXX & XXX/XXX xxXXX. Payoff amounts listed on Final Closing Disclosure do not appear to match GAP Credit Report dated XXX. - Due Diligence Vendor-03/02/2026 | Ready for Review-Document Uploaded. UNDERWRITER RESPONSE - UW BASED THE AMOUNT OF DEBT ON THE PREVIOUS CREDIT REPORT SO NOW SHE INCLUDE THE THIS INTO THE DTI THAT WAS ALREADY APPLIED IN THE UPLOADED DOCUMENTS FINAL 1003 AND TRANSMITTAL SUMMARY 1008 - Seller-03/18/2026 <br>Ready for Review-Document Uploaded. - Seller-03/04/2026<br>| Resolved-Received updated 1008/1003 including debt in DTI. - Due Diligence Vendor-03/19/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX_LOE REBUTTAL RESPONSE UW.pdf<br> XXX_TRANSMITTAL SUMMARY 1008 (2).pdf<br> XXX_FINAL 1003 (5).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 62456117 | XXX | XXX D A | Closed | FCRE6763 | 2026-03-02 14:06 | 2026-03-11 15:27 | Resolved | 1 - Information C A | Credit | Income/Employment | Income documentation does not meet guidelines | Resolved-Supporting documentation received. - Due Diligence Vendor-03/11/2026 <br> Ready for Review-Document Uploaded. - Seller-03/10/2026 <br> Counter-Lender LOX received, however insufficient to clear condition as W2's do not reflect dates of employment or confirm a 2-year history. Still missing WVOE/Latest paystub for Previous Employment. - Due Diligence Vendor-03/05/2026 <br> Ready for Review-Document Uploaded. - Seller-03/04/2026 <br> Open-Missing evidence of 2-year continuance employment for secondary employment with no GAPS per XXX guidelines. Missing WVOE/Latest paystub for Previous Employment. - Due Diligence Vendor-03/02/2026 | Ready for Review-Document Uploaded. - Seller-03/10/2026 <br>Ready for Review-Document Uploaded. - Seller-03/04/2026<br>| Resolved-Supporting documentation received. - Due Diligence Vendor-03/11/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX_LOE REBUTTAL RESPONSE UW.pdf<br> XXX_PAYSTUBS BORROWER.pdf<br> XXX_UW RESPONSE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 62456117 | XXX | XXX D A | Closed | FCRE7878 | 2026-03-02 13:59 | 2026-03-11 10:56 | Resolved | 1 - Information B A | Credit | Data | Final 1008 Total Debt income Ratio Variance | Resolved-Received revised 1008 reflecting updated DTI. - Due Diligence Vendor-03/11/2026 <br> Ready for Review-Document Uploaded. - Seller-03/10/2026 <br> Open-There is a discrepancy in the audited DTI XXX and the Final 1008 DTI submitted by lender XXX. It appears the Primary Housing Payment does not reflect the full payment per the Mortgage Statement if $XXX on the Final 1008. - Due Diligence Vendor-03/02/2026 | Ready for Review-Document Uploaded. - Seller-03/10/2026<br>| Resolved-Received revised 1008 reflecting updated DTI. - Due Diligence Vendor-03/11/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX_TRANSMITTAL SUMMARY 1008.pdf<br> XXX_FINAL 1003 (3).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 69949986 | XXX | XXX D A | Closed | FCRE1146 | 2026-02-19 11:12 | 2026-02-25 13:50 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Partially Present | Resolved-Received title confirmation of Fee Simple Property Rights. - Due Diligence Vendor-02/25/2026 <br>Ready for Review-Document Uploaded. - Seller-02/25/2026 <br>Open-Title Document is incomplete or only partially present Missing evidence of Property Rights listed on Title Commitment. Cannot determine if property is Fee Simple or Leasehold. - Due Diligence Vendor-02/19/2026 | Ready for Review-Document Uploaded. - Seller-02/25/2026<br>| Resolved-Received title confirmation of Fee Simple Property Rights. - Due Diligence Vendor-02/25/2026<br>| Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50%<br> Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700 |  | XXX_FINAL TITLE POLICY.pdf<br> XXX_TITLE RESPONSE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 67538909 | XXX | XXX D A | Closed | FCRE7497 | 2026-02-17 12:30 | 2026-03-04 09:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Received revised URLA and 1008. - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Document Uploaded. - Seller-03/03/2026 <br> Counter-Received commercial HOI policy, however missing updated URLA removing address and negative rental income. - Due Diligence Vendor-03/03/2026 <br> Ready for Review-Document Uploaded. - Seller-03/03/2026 <br> Counter-Lender LOX received, however insufficient to clear condition as a rental loss was included in qualifying. Unable to determine accurate rental loss without updated policy. Still missing current HOI bill for XXX. - Due Diligence Vendor-02/23/2026 <br> Ready for Review-Document Uploaded. - Seller-02/20/2026 <br> Open-Missing HOI bill for XXX as the one in the file is dated XXX. - Due Diligence Vendor-02/17/2026 | Ready for Review-Document Uploaded. - Seller-03/03/2026 <br>Ready for Review-Document Uploaded. - Seller-03/03/2026 <br>Ready for Review-Document Uploaded. - Seller-02/20/2026<br>| Resolved-Received revised URLA and 1008. - Due Diligence Vendor-03/04/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 70% |  | XXX_LOE REBUTTAL RESPONSE.2.pdf<br> XXX_EVIDENCE OF INSURANCE.pdf<br> XXX_CERTIFICATE OF INSURANCE.pdf<br> XXX_TRANSMITTAL SUMMARY 1008.pdf<br> XXX_FINAL 1003.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| XXX | 67538909 | XXX | XXX D A | Closed | FVAL1310 | 2026-02-17 12:29 | 2026-02-19 12:24 | Resolved | 1 - Information D A | Property | Missing Doc | Missing HOA/Condo Certification | Resolved-Received borrower LOX reflecting no HOA Dues. - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Document Uploaded. - Seller-02/19/2026 <br> Open-Missing HOA bill for XXX - Due Diligence Vendor-02/17/2026 | Ready for Review-Document Uploaded. - Seller-02/19/2026<br>| Resolved-Received borrower LOX reflecting no HOA Dues. - Due Diligence Vendor-02/19/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 70% |  | XXX_BORROWER RESPONSE - NO HOA.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| XXX | 67538909 | XXX | XXX D A | Closed | FCRE9814 | 2026-02-17 12:28 | 2026-02-18 11:23 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Trust Agreement | Resolved-Received evidence of title company approval of trust certification. - Due Diligence Vendor-02/18/2026 <br>Ready for Review-Document Uploaded. - Seller-02/18/2026 <br>Open-Missing trust approval from title company. - Due Diligence Vendor-02/17/2026 | Ready for Review-Document Uploaded. - Seller-02/18/2026<br>| Resolved-Received evidence of title company approval of trust certification. - Due Diligence Vendor-02/18/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 70% |  | XXX_TITLE APPROVAL IN TRUST CERTIFICATION.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| XXX | 67538909 | XXX | XXX D A | Closed | FCRE1204 | 2026-02-13 13:05 | 2026-02-17 16:17 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Received supporting documentation used to address high alert items. - Due Diligence Vendor-02/17/2026 <br>Ready for Review-Document Uploaded. - Seller-02/17/2026 <br>Open-Fraud Report Shows Uncleared Alerts Fraud Report Shows high impact Uncleared Alerts - Due Diligence Vendor-02/13/2026 | Ready for Review-Document Uploaded. - Seller-02/17/2026<br>| Resolved-Received supporting documentation used to address high alert items. - Due Diligence Vendor-02/17/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 720<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 70% |  | XXX_LOE REBUTTAL RESPONSE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Investment | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| XXX | 64687270 | XXX | XXX D A | Closed | FCRE3978 | 2026-03-09 14:19 | 2026-03-16 11:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-Lender LOX received. - Due Diligence Vendor-03/16/2026 <br> Ready for Review-Document Uploaded. - Seller-03/16/2026 <br> Counter-Received borrower letter of explanation. However, missing explanation for inquires with XXX Credit Bureau on XXX and XXX. - Due Diligence Vendor-03/11/2026 <br> Ready for Review-Document Uploaded. - Seller-03/11/2026 <br> Open-Missing executed LOE for all inquiries dated within 90 days of Note. Subject to possible recalculation of DTI. - Due Diligence Vendor-03/09/2026 | Ready for Review-Document Uploaded. - Seller-03/16/2026 <br>Ready for Review-Document Uploaded. - Seller-03/11/2026<br>| Resolved-Lender LOX received. - Due Diligence Vendor-03/16/2026<br>| Qualifying DTI below max allowed. - XXX %calculated DTI is XXX% percent below the maximum DTI per guidelines of 50%<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum LTV per guidelines 90% |  | XXX_CREDIT INQUIRY LETTER.pdf<br> XXX_LOE REBUTTAL RESPONSE UW.pdf<br> XXX_LOE REBUTTAL RESPONSE UW.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 64748013 | XXX | XXX C A | Closed | FCRE8611 | 2026-03-17 16:16 | 2026-03-24 11:30 | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Received W2 transcripts for both borrowers. - Due Diligence Vendor-03/24/2026 <br>Ready for Review-Document Uploaded. - Seller-03/24/2026 <br>Counter-Received W2 transcripts for Borrower 1. Missing two years W2 transcripts for Borrower 2. - Due Diligence Vendor-03/18/2026 <br>Ready for Review-Document Uploaded. - Seller-03/18/2026 <br>Open-Missing 2-year W2 transcripts per guidelines. - Due Diligence Vendor-03/17/2026 | Ready for Review-Document Uploaded. - Seller-03/24/2026 <br>Ready for Review-Document Uploaded. - Seller-03/18/2026<br>| Resolved-Received W2 transcripts for both borrowers. - Due Diligence Vendor-03/24/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700.<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum LTV per guidelines 90%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | XXX_4506T W-2 ONLY TRANSCRIPTS.pdf<br> XXX_IRS 4506-T TAX RETURN TRANSCRIPT.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| XXX | 64748013 | XXX | XXX C A | Closed | FCRE7871 | 2026-03-12 11:50 | 2026-03-17 10:27 | Resolved | 1 - Information B A | Credit | Data | Final 1008 Loan Amount Variance | Resolved-Received revised 1008 reflecting correct Loan Amount. - Due Diligence Vendor-03/17/2026 <br>Ready for Review-Document Uploaded. - Seller-03/16/2026 <br>Open-The Loan Amount on the 'Final 1008' does not match the final approved loan amount. Missing a corrected final 1008. - Due Diligence Vendor-03/12/2026 | Ready for Review-Document Uploaded. - Seller-03/16/2026<br>| Resolved-Received revised 1008 reflecting correct Loan Amount. - Due Diligence Vendor-03/17/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700.<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum LTV per guidelines 90%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | XXX_TRANSMITTAL SUMMARY 1008.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| XXX | 64748013 | XXX | XXX C A | Closed | FCRE1254 | 2026-03-12 10:35 | 2026-03-17 10:26 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Received title policy reflecting sufficient title coverage. - Due Diligence Vendor-03/17/2026 <br>Ready for Review-Document Uploaded. - Seller-03/16/2026 <br>Open-Property Title Issue Missing an updated title commitment or supplement reflecting an updated policy coverage equal to the loan amount. - Due Diligence Vendor-03/12/2026 | Ready for Review-Document Uploaded. - Seller-03/16/2026<br>| Resolved-Received title policy reflecting sufficient title coverage. - Due Diligence Vendor-03/17/2026<br>| Credit Score greater than minimum FICO - XXX credit score is XXX points above the minimum FICO per guidelines of 700.<br> LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum LTV per guidelines 90%<br> Qualifying DTI below max allowed. - XXX% calculated DTI is XXX percent below the maximum DTI per guidelines of 50% |  | XXX_FINAL TITLE POLICY.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| XXX | 64143416 | XXX | XXX D A C | Closed | FCRE1676 | 2026-03-13 13:18 | 2026-03-19 09:21 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Credit General | Resolved-received documentation and cleared - Due Diligence Vendor-03/19/2026 <br> Ready for Review-Document Uploaded. - Seller-03/18/2026 <br> Open-It appears that the property located at XXX has a second mortgage, as indicated by the HOI on file showing XXX as a lienholder. The property report also reflects a mortgage recorded on XXX in the amount of $XXX. Missing terms of the loan. Subject to recalculation of DTI upon receipt. - Due Diligence Vendor-03/13/2026 | Ready for Review-Document Uploaded. - Seller-03/18/2026<br>| Resolved-received documentation and cleared - Due Diligence Vendor-03/19/2026<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80% |  | XXX_BANK STATEMENT XXX XXX.pdf<br> XXX_PAYMENT HISTORY.pdf<br> XXX_BANK STATEMENT XXX XXX.pdf<br> XXX_CREDIT CARD STATEMENT.pdf<br> XXX_XXX LEASE AGREEMENT.pdf<br> XXX_BANK STATEMENT XXX XXX.PDF<br> XXX_TRANMITTAL SUMMARY 1008.pdf<br> XXX_BANK STATEMENT XXX XXX.pdf<br> XXX_UW RESPONSE.pdf<br> XXX_FINAL 1003.pdf<br> XXX_LEASE AGREEMENT.pdf<br> XXX_PROMISSORY NOTE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 64143416 | XXX | XXX D A C | Closed | FVAL9739 | 2026-03-13 13:22 | 2026-03-17 17:26 | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Received revised PCCD reflecting updated Appraised Value. - Due Diligence Vendor-03/17/2026 <br> Ready for Review-Document Uploaded. - Seller-03/17/2026 <br> Open-PCCD & Final CD both reflect the appraised value of $XXX vs the actual appraised value & CDA value of $XXX. - Due Diligence Vendor-03/13/2026 | Ready for Review-Document Uploaded. - Seller-03/17/2026<br>| Resolved-Received revised PCCD reflecting updated Appraised Value. - Due Diligence Vendor-03/17/2026<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80% |  | XXX_POST CONSUMMATION CLOSING DISCLOSURE.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| XXX | 64143416 | XXX | XXX D A C | Closed | FCRE9814 | 2026-03-13 13:15 | 2026-03-16 14:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Trust Agreement | Resolved-Received Trust Certification. - Due Diligence Vendor-03/16/2026 <br>Ready for Review-Document Uploaded. - Seller-03/16/2026 <br>Counter-Received confirmation of trust approval, however still missing copy of Trust Agreement/Certificate. - Due Diligence Vendor-03/16/2026 <br>Ready for Review-Document Uploaded. - Seller-03/16/2026 <br>Open-Missing copy of Trust Agreement or Trust Certificate reviewed and approved by Title company. - Due Diligence Vendor-03/13/2026 | Ready for Review-Document Uploaded. - Seller-03/16/2026 <br>Ready for Review-Document Uploaded. - Seller-03/16/2026<br>| Resolved-Received Trust Certification. - Due Diligence Vendor-03/16/2026<br>| LTV is less than guideline maximum - XXX% CLTV is XXX% less than maximum CLTV per guidelines 80% |  | XXX_TITLE APPROVAL.pdf<br> XXX_TRUST CERTIFICATION.pdf<br> XXX_TRUST CERTIFICATION (1).pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXX | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |

---

## Exhibit 99.3

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.3 - Schedule 2**

---

| | | | |
|:---|:---|:---|:---|
| TPR Firm: | ![](incenter-logo.jpg) | Report Date: | 4/9/2026 |
| Client Name: | Vista Point Mortgage | Report: | Rating Agency Grades |
| Deal Name: | VSTA 2026-CES2 | Loans in report: | 75 |

---

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  |  |  |  |  | **INITIAL PROPERTY GRADES** | **INITIAL PROPERTY GRADES** | **INITIAL PROPERTY GRADES** | **INITIAL PROPERTY GRADES** | **FINAL PROPERTY GRADES** | **FINAL PROPERTY GRADES** | **FINAL PROPERTY GRADES** | **FINAL PROPERTY GRADES** |
| **Incenter Loan ID** | **Client Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** | **DBRS** | **Kroll** | **Moodys** | **S&P** | **DBRS** | **Kroll** | **Moodys** | **S&P** |
| XXX | 69811065 | XXX | XXX | XXX D | A | A | A | A D B | A | A | A | A B |
| XXX | 61460150 | XXX | XXX | XXX D | C | C | C | C D A | A | A | A | A |
| XXX | 69951393 | XXX | XXX | XXX D | C | C | C | C D B A | A | A | A | A B |
| XXX | 62299726 | XXX | XXX | XXX D | N/A C | N/A | N/A | N/A D | N/A B | N/A | N/A | N/A B |
| XXX | 65127822 | XXX | XXX | XXX A D | A | A | A | A D | A | A | A | A |
| XXX | 63085175 | XXX | XXX | XXX D | A | A | A | A D | A | A | A | A |
| XXX | 68428191 | XXX | XXX | XXX D A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| XXX | 68862266 | XXX | XXX | XXX D | A | A | A | A D | A | A | A | A |
| XXX | 61687096 | XXX | XXX | XXX D C | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| XXX | 67452962 | XXX | XXX | XXX D A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| XXX | 61811401 | XXX | XXX | XXX D | N/A C | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| XXX | 69011937 | XXX | XXX | XXX D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| XXX | 68265891 | XXX | XXX | XXX D A | A | A | A | A D | A | A | A | A |
| XXX | 64695697 | XXX | XXX | XXX A | A | A | A | A | A | A | A | A |
| XXX | 64725314 | XXX | XXX | XXX C D | A | A | A | A D | A | A | A | A |
| XXX | 67397795 | XXX | XXX | XXX C A | A | A | A | A C | A | A | A | A |
| XXX | 63422887 | XXX | XXX | XXX D | A | A | A | A D | A | A | A | A |
| XXX | 69920586 | XXX | XXX | XXX C D | A | A | A | A D | A | A | A | A |
| XXX | 69156786 | XXX | XXX | XXX A D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| XXX | 66445566 | XXX | XXX | XXX D | A | A | A | A D | A | A | A | A |
| XXX | 65217090 | XXX | XXX | XXX C | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| XXX | 66283548 | XXX | XXX | XXX D | N/A D | N/A | N/A | N/A D B | N/A B | N/A | N/A | N/A B |
| XXX | 68199414 | XXX | XXX | XXX D A | C | C | C | C D A | A | A | A | A |
| XXX | 67606770 | XXX | XXX | XXX D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| XXX | 68949981 | XXX | XXX | XXX C D | A | A | A | A D | A | A | A | A |
| XXX | 64043537 | XXX | XXX | XXX D A | D | D | D | D B A | A | A | A | A B |
| XXX | 63393304 | XXX | XXX | XXX D A | C | C | C | C D A | A | A | A | A |
| XXX | 69928177 | XXX | XXX | XXX D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| XXX | 61157919 | XXX | XXX | XXX D A | A | A | A | A D | A | A | A | A |
| XXX | 64379230 | XXX | XXX | XXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| XXX | 63940440 | XXX | XXX | XXX D A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| XXX | 67308148 | XXX | XXX | XXX D A | A | A | A | A D | A | A | A | A |
| XXX | 60493532 | XXX | XXX | XXX D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| XXX | 61765729 | XXX | XXX | XXX D | A | A | A | A D | A | A | A | A |
| XXX | 63717376 | XXX | XXX | XXX D C | A | A | A | A D | A | A | A | A |
| XXX | 65835144 | XXX | XXX | XXX D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| XXX | 69100313 | XXX | XXX | XXX A D | A | A | A | A D | A | A | A | A |
| XXX | 66585741 | XXX | XXX | XXX D | N/A D | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| XXX | 60193955 | XXX | XXX | XXX D A | C | C | C | C D A | A | A | A | A |
| XXX | 64811636 | XXX | XXX | XXX A D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| XXX | 68004634 | XXX | XXX | XXX D A | A | A | A | A D | A | A | A | A |
| XXX | 61963100 | XXX | XXX | XXX D | C | C | C | C D A | A | A | A | A |
| XXX | 60576393 | XXX | XXX | XXX D A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| XXX | 65171943 | XXX | XXX | XXX D | A | A | A | A D | A | A | A | A |
| XXX | 62763142 | XXX | XXX | XXX D C | A | A | A | A D | A | A | A | A |
| XXX | 61809389 | XXX | XXX | XXX D | A | A | A | A D | A | A | A | A |
| XXX | 68616709 | XXX | XXX | XXX C D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| XXX | 69920839 | XXX | XXX | XXX A | A | A | A | A | A | A | A | A |
| XXX | 63516965 | XXX | XXX | XXX A | A | A | A | A | A | A | A | A |
| XXX | 60314688 | XXX | XXX | XXX A D | A | A | A | A D | A | A | A | A |
| XXX | 69756619 | XXX | XXX | XXX A | A | A | A | A | A | A | A | A |
| XXX | 63375763 | XXX | XXX | XXX A D | N/A B | N/A | N/A | N/A D | N/A B | N/A | N/A | N/A B |
| XXX | 64801013 | XXX | XXX | XXX D | A | A | A | A D | A | A | A | A |
| XXX | 65141658 | XXX | XXX | XXX C A | A | A | A | A C | A | A | A | A |
| XXX | 68937364 | XXX | XXX | XXX D A | A | A | A | A D | A | A | A | A |
| XXX | 66161209 | XXX | XXX | XXX A D | A | A | A | A D | A | A | A | A |
| XXX | 61105298 | XXX | XXX | XXX D A | N/A C | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| XXX | 63936788 | XXX | XXX | XXX A D | A | A | A | A D | A | A | A | A |
| XXX | 69709483 | XXX | XXX | XXX D | A | A | A | A D | A | A | A | A |
| XXX | 63323552 | XXX | XXX | XXX A | A | A | A | A | A | A | A | A |
| XXX | 66054572 | XXX | XXX | XXX A D | A | A | A | A D | A | A | A | A |
| XXX | 65648774 | XXX | XXX | XXX C A | A | A | A | A C | A | A | A | A |
| XXX | 68633227 | XXX | XXX | XXX D | A | A | A | A D | A | A | A | A |
| XXX | 63936279 | XXX | XXX | XXX A | A | A | A | A | A | A | A | A |
| XXX | 63076278 | XXX | XXX | XXX B A | A | A | A | A B | A | A | A | A |
| XXX | 69468788 | XXX | XXX | XXX D A | A | A | A | A D | A | A | A | A |
| XXX | 64005950 | XXX | XXX | XXX C D | A | A | A | A D | A | A | A | A |
| XXX | 65676526 | XXX | XXX | XXX A C | A | A | A | A C | A | A | A | A |
| XXX | 62456117 | XXX | XXX | XXX D A | A | A | A | A D | A | A | A | A |
| XXX | 69949986 | XXX | XXX | XXX D A | A | A | A | A D | A | A | A | A |
| XXX | 67538909 | XXX | XXX | XXX D A | D | D | D | D A | A | A | A | A |
| XXX | 61444654 | XXX | XXX | XXX A | A | A | A | A | A | A | A | A |
| XXX | 64687270 | XXX | XXX | XXX D A | A | A | A | A D | A | A | A | A |
| XXX | 64748013 | XXX | XXX | XXX C A | A | A | A | A C | A | A | A | A |
| XXX | 64143416 | XXX | XXX | XXX D A | C | C | C | C D A | A | A | A | A |

---

## Exhibit 99.3

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.3 - Schedule 3**

---

| | | | |
|:---|:---|:---|:---|
| TPR Firm: | ![](incenter-logo.jpg) | Report Date: | 4/9/2026 |
| Client Name: | Vista Point Mortgage | Report: | QM ATR |
| Deal Name: | VSTA 2026-CES2 | Loans in report: | 75 |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Incenter Loan ID** | **Client Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| XXX | 69811065 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | XXX | N/A | Retired |  | No |  | No |  |
| XXX | 61460150 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXX | N/A | Employed |  | No |  | No |  |
| XXX | 69951393 | XXX | XXX | XXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | XXX |  |  |  | No |  | Yes | Present |
| XXX | 62299726 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXX | N/A | Employed |  | No |  | No |  |
| XXX | 65127822 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | XXX | N/A | Employed | Employed | No | No | No |  |
| XXX | 63085175 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | XXX | N/A | Employed | Employed | No | No | No |  |
| XXX | 68428191 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXX | N/A | Employed | Employed | No | No | No |  |
| XXX | 68862266 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | XXX | N/A | Employed | Employed | No | No | No |  |
| XXX | 61687096 | XXX | XXX | XXX | ATR/QM: Exempt | ATR/QM: Not Applicable | Yes |  |  | 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 | XXX |  |  |  | No |  | Yes | Present |
| XXX | 67452962 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | XXX | N/A | Employed |  | No |  | No |  |
| XXX | 61811401 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | Yes | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | XXX | Yes | Employed |  | No |  | No |  |
| XXX | 69011937 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXX | N/A | Employed | Not Employed | No | No | No |  |
| XXX | 68265891 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | XXX | N/A | Employed |  | No |  | No |  |
| XXX | 64695697 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXX | N/A | Employed |  | No |  | No |  |
| XXX | 64725314 | XXX | XXX | XXX | 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 | XXX |  |  |  | No |  | Yes | Present |
| XXX | 67397795 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXX | N/A | Employed |  | No |  | No |  |
| XXX | 63422887 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | XXX | N/A | Not Employed | Employed | No | No | No |  |
| XXX | 69920586 | XXX | XXX | XXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | N/A | XXX |  |  |  | No |  | Yes | Present |
| XXX | 69156786 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | XXX | N/A | Employed |  | No |  | No |  |
| XXX | 66445566 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  |  | Yes |  | No | No | No | No | No | No | No |  |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | Yes | XXX | N/A | Employed |  | No |  | No |  |
| XXX | 65217090 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | Yes | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXX | Yes | Employed | Employed | No | No | No |  |
| XXX | 66283548 | XXX | XXX | XXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | N/A | XXX |  |  |  | No |  | Yes | Present |
| XXX | 68199414 | XXX | XXX | XXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | N/A | XXX |  |  |  | No | No | Yes | Present |
| XXX | 67606770 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | XXX | N/A | Employed |  | No |  | No |  |
| XXX | 68949981 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | XXX | N/A | Employed |  | No |  | No |  |
| XXX | 64043537 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | Yes | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | XXX | N/A | Employed |  | No |  | No |  |
| XXX | 63393304 | XXX | XXX | XXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | XXX |  |  |  | No |  | Yes | Present |
| XXX | 69928177 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | XXX | N/A | Employed | Employed | No | No | No |  |
| XXX | 61157919 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Yes |  |  | No |  | No | No | No | No | No | No | No |  |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | XXX | N/A | Employed |  | No |  | No |  |
| XXX | 64379230 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | XXX | N/A | Not Employed |  | No |  | No |  |
| XXX | 63940440 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | XXX | N/A | Employed | Employed | No | No | No |  |
| XXX | 67308148 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | Yes | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | XXX | N/A | Employed |  | No |  | No |  |
| XXX | 60493532 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | XXX | N/A | Employed |  | No |  | No |  |
| XXX | 61765729 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXX | N/A | Employed | Employed | No | No | No |  |
| XXX | 63717376 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXX | N/A | Employed |  | No |  | No |  |
| XXX | 65835144 | XXX | XXX | XXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | XXX |  |  |  | No |  | Yes | Present |
| XXX | 69100313 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | XXX | N/A | Employed |  | No |  | No |  |
| XXX | 66585741 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | XXX | N/A | Employed | Employed | No | No | No |  |
| XXX | 60193955 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | XXX | N/A | Employed |  | No |  | No |  |
| XXX | 64811636 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXX | N/A | Not Employed |  | No |  | No |  |
| XXX | 68004634 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | XXX | N/A | Employed |  | No |  | No |  |
| XXX | 61963100 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXX | Yes | Employed |  | No |  | No |  |
| XXX | 60576393 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXX | N/A | Employed |  | No |  | No |  |
| XXX | 65171943 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | Yes | No | No | No |  |  | Yes | Yes | Yes | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXX | N/A | Employed | Not Employed | No | No | No |  |
| XXX | 62763142 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXX | N/A | Employed |  | No |  | No |  |
| XXX | 61809389 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXX | N/A | Employed |  | No |  | No |  |
| XXX | 68616709 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | XXX | N/A | Employed |  | No |  | No |  |
| XXX | 69920839 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | XXX | N/A | Employed | Employed | No | No | No |  |
| XXX | 63516965 | XXX | XXX | XXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | XXX |  |  |  | No |  | Yes | Present |
| XXX | 60314688 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXX | N/A | Not Employed | Employed | No | No | No |  |
| XXX | 69756619 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | XXX | N/A | Employed |  | No |  | No |  |
| XXX | 63375763 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXX | N/A | Employed | Not Employed | No | No | No |  |
| XXX | 64801013 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXX | N/A | Employed |  | No |  | No |  |
| XXX | 65141658 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | XXX | N/A | Employed | Not Employed | No | No | No |  |
| XXX | 68937364 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXX | N/A | Employed |  | No |  | No |  |
| XXX | 66161209 | XXX | XXX | XXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | Yes | N/A | N/A | Yes | N/A | N/A | XXX |  |  |  | No |  | Yes | Present |
| XXX | 61105298 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | XXX | N/A | Employed |  | No |  | No |  |
| XXX | 63936788 | XXX | XXX | XXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | N/A | XXX |  |  |  | No |  | Yes | Present |
| XXX | 69709483 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | XXX | N/A | Employed |  | No |  | No |  |
| XXX | 63323552 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXX | N/A | Employed |  | No |  | No |  |
| XXX | 66054572 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | Yes | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXX | N/A | Employed |  | No |  | No |  |
| XXX | 65648774 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXX | N/A | Employed |  | No |  | No |  |
| XXX | 68633227 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | XXX | N/A | Employed |  | No |  | No |  |
| XXX | 63936279 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXX | N/A | Employed |  | No |  | No |  |
| XXX | 63076278 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | Yes | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | XXX | N/A | Employed | Employed | No | No | No |  |
| XXX | 69468788 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | Yes |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | XXX | N/A | Employed |  | No |  | No |  |
| XXX | 64005950 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXX | N/A | Employed |  | No |  | No |  |
| XXX | 65676526 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXX | N/A | Employed |  | No |  | No |  |
| XXX | 62456117 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | XXX | N/A | Employed |  | No |  | No |  |
| XXX | 69949986 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXX | N/A | Employed |  | No |  | No |  |
| XXX | 67538909 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | XXX | N/A | Employed |  | No |  | No |  |
| XXX | 61444654 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXX | N/A | Employed |  | No |  | No |  |
| XXX | 64687270 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | XXX | N/A | Employed | Retired | No | No | No |  |
| XXX | 64748013 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | N/A | N/A | XXX | N/A | Employed | Employed | No | No | No |  |
| XXX | 64143416 | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | XXX | N/A | Employed |  | No |  | No |  |

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## Exhibit 99.3

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.3 - Schedule 4**

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| | | | |
|:---|:---|:---|:---|
| TPR Firm: | ![](incenter-logo.jpg) | Report Date: | 4/9/2026 |
| Client Name: | Vista Point Mortgage | Report: | Final Tape Compare |
| Deal Name: | VSTA 2026-CES2 | Loans in report: | 75 |

---

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| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Incenter Loan ID** | **Client Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **System Source** | **Reviewer Data** | **Tape Data** |
| XXX | 61460150 | XXX | XXX | XXX | Occupancy | the1003Page | Primary Residence | Investment |
| XXX | 61460150 | XXX | XXX | XXX | Qualifying Loan Amount | propertyValuationPage | XXX | XXX |
| XXX | 61460150 | XXX | XXX | XXX | Verified Doc Type | employmentIncomePage | Bank Statement | Full Doc |
| XXX | 61460150 | XXX | XXX | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX |
| XXX | 69951393 | XXX | XXX | XXX | Prepayment Penalty Calculation | notePage | 6 months interest on amount that exceeds 20% | 3 Year |
| XXX | 69951393 | XXX | XXX | XXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 69951393 | XXX | XXX | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX |
| XXX | 62299726 | XXX | XXX | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX |
| XXX | 63085175 | XXX | XXX | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX |
| XXX | 68428191 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | QM |
| XXX | 61687096 | XXX | XXX | XXX | Prepayment Penalty Calculation | notePage | 6 months interest on amount that exceeds 20% | Standard |
| XXX | 61687096 | XXX | XXX | XXX | Note Date | notePage | XXX | XXX |
| XXX | 61687096 | XXX | XXX | XXX | Borrower 1 First Name | notePage | XXX | XXX |
| XXX | 61687096 | XXX | XXX | XXX | Number of Units | propertyValuationPage | 3 | 1 |
| XXX | 61687096 | XXX | XXX | XXX | Loan Purpose | the1003Page | Refinance | Cashout |
| XXX | 67452962 | XXX | XXX | XXX | Loan Purpose | the1003Page | Refinance | Purchase |
| XXX | 67452962 | XXX | XXX | XXX | Property Type | propertyValuationPage | PUD | Single Family Detached |
| XXX | 67452962 | XXX | XXX | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX |
| XXX | 61811401 | XXX | XXX | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX |
| XXX | 61811401 | XXX | XXX | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX |
| XXX | 69011937 | XXX | XXX | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX |
| XXX | 68265891 | XXX | XXX | XXX | Initial Monthly P&I Or IO Payment | notePage | XXX | XXX |
| XXX | 64695697 | XXX | XXX | XXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 64695697 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | Exempt |
| XXX | 67397795 | XXX | XXX | XXX | Loan Program | businessPurposeApprovalandGuidelinePage | VPM - Equity Solutions | 0 |
| XXX | 63422887 | XXX | XXX | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX |
| XXX | 69920586 | XXX | XXX | XXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached |
| XXX | 69156786 | XXX | XXX | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX |
| XXX | 69156786 | XXX | XXX | XXX | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | Full Doc |
| XXX | 65217090 | XXX | XXX | XXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached |
| XXX | 66283548 | XXX | XXX | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX |
| XXX | 68199414 | XXX | XXX | XXX | Prepayment Penalty Calculation | notePage | 5%, 5%, 5% | 3% |
| XXX | 68199414 | XXX | XXX | XXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached |
| XXX | 68949981 | XXX | XXX | XXX | Property City | notePage | XXX | XXX |
| XXX | 68949981 | XXX | XXX | XXX | Borrower 1 First Name | notePage | XXX | XXX |
| XXX | 68949981 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | STAND ALONE 2ND |
| XXX | 68949981 | XXX | XXX | XXX | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 64043537 | XXX | XXX | XXX | Prepayment Penalty Calculation | notePage | 6 months interest on amount that exceeds 20% | 1 Year |
| XXX | 64043537 | XXX | XXX | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX |
| XXX | 63393304 | XXX | XXX | XXX | Property Type | propertyValuationPage | PUD | Single Family Detached |
| XXX | 69928177 | XXX | XXX | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX |
| XXX | 69928177 | XXX | XXX | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX |
| XXX | 69928177 | XXX | XXX | XXX | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 69928177 | XXX | XXX | XXX | Underwriting Guideline Name | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 69928177 | XXX | XXX | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX |
| XXX | 61157919 | XXX | XXX | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX |
| XXX | 63940440 | XXX | XXX | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX |
| XXX | 67308148 | XXX | XXX | XXX | Prepayment Penalty Calculation | notePage | 5% | No Prepayment Penalty |
| XXX | 67308148 | XXX | XXX | XXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached |
| XXX | 67308148 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | Non-QM: APOR |
| XXX | 67308148 | XXX | XXX | XXX | Underwriting Guideline Name | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 67308148 | XXX | XXX | XXX | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 60493532 | XXX | XXX | XXX | Property Type | propertyValuationPage | PUD | Single Family Detached |
| XXX | 60493532 | XXX | XXX | XXX | Underwriting Guideline Name | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 60493532 | XXX | XXX | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX |
| XXX | 61765729 | XXX | XXX | XXX | Underwriting Guideline Name | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 61765729 | XXX | XXX | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX |
| XXX | 65835144 | XXX | XXX | XXX | Prepayment Penalty Calculation | notePage | 5%, 5%, 5%, 5%, 5% | 0 |
| XXX | 65835144 | XXX | XXX | XXX | Property Type | propertyValuationPage | Two to Four Unit | Detached |
| XXX | 65835144 | XXX | XXX | XXX | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Full Doc |
| XXX | 69100313 | XXX | XXX | XXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 69100313 | XXX | XXX | XXX | Property Type | propertyValuationPage | Two to Four Unit | Single Family Detached |
| XXX | 69100313 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | Exempt |
| XXX | 66585741 | XXX | XXX | XXX | Property Type | propertyValuationPage | PUD | Single Family Detached |
| XXX | 66585741 | XXX | XXX | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX |
| XXX | 66585741 | XXX | XXX | XXX | Qualifying CLTV | propertyValuationPage | XXX | XXX |
| XXX | 66585741 | XXX | XXX | XXX | Underwriting Guideline Name | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 66585741 | XXX | XXX | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX |
| XXX | 60193955 | XXX | XXX | XXX | Verified Doc Type | employmentIncomePage | Bank Statement | Reduced |
| XXX | 60193955 | XXX | XXX | XXX | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 60193955 | XXX | XXX | XXX | Underwriting Guideline Name | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 60193955 | XXX | XXX | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX |
| XXX | 68004634 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | QM |
| XXX | 68004634 | XXX | XXX | XXX | Verified Doc Type | employmentIncomePage | Business P&L | Full Doc |
| XXX | 68004634 | XXX | XXX | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX |
| XXX | 61963100 | XXX | XXX | XXX | Underwriting Guideline Name | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 65171943 | XXX | XXX | XXX | Qualifying Loan Amount | propertyValuationPage | XXX | XXX |
| XXX | 65171943 | XXX | XXX | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX |
| XXX | 61809389 | XXX | XXX | XXX | Borrower 1 Last Name | notePage | XXX | XXX |
| XXX | 61809389 | XXX | XXX | XXX | Borrower 1 First Name | notePage | XXX | XXX |
| XXX | 61809389 | XXX | XXX | XXX | Loan Program | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 61809389 | XXX | XXX | XXX | Property Type | propertyValuationPage | PUD | Single Family Detached |
| XXX | 61809389 | XXX | XXX | XXX | Underwriting Guideline Name | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 68616709 | XXX | XXX | XXX | Note Date | notePage | XXX | XXX |
| XXX | 68616709 | XXX | XXX | XXX | Lien Position | TitlePage | 2 | 1 |
| XXX | 68616709 | XXX | XXX | XXX | Primary Appraised Property Value | propertyValuationPage | XXX | XXX |
| XXX | 69756619 | XXX | XXX | XXX | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | XXX | XXX |
| XXX | 63375763 | XXX | XXX | XXX | Property State | notePage | XXX | XXX |
| XXX | 63375763 | XXX | XXX | XXX | Qualifying FICO | creditLiabilitiesPage | XXX | XXX |
| XXX | 63375763 | XXX | XXX | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX |
| XXX | 63375763 | XXX | XXX | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX |
| XXX | 68937364 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt |
| XXX | 66161209 | XXX | XXX | XXX | Prepayment Penalty Calculation | notePage | 5%, 5%, 5% | 3% |
| XXX | 66161209 | XXX | XXX | XXX | Originator QM Status | diligenceFinalLookPage | ATR/QM: Exempt | Non-QM: APOR |
| XXX | 66161209 | XXX | XXX | XXX | Originator DSCR | diligenceFinalLookPage | XXX | XXX |
| XXX | 63936788 | XXX | XXX | XXX | Initial Monthly P&I Or IO Payment | notePage | XXX | XXX |
| XXX | 63936788 | XXX | XXX | XXX | First Payment Date | notePage | XXX | XXX |
| XXX | 63936788 | XXX | XXX | XXX | Occupancy | the1003Page | Investment | Second NOO |
| XXX | 63936788 | XXX | XXX | XXX | Lien Position | TitlePage | 2 | 1 |
| XXX | 63936788 | XXX | XXX | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX |
| XXX | 69709483 | XXX | XXX | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX |
| XXX | 63323552 | XXX | XXX | XXX | Note Date | notePage | XXX | XXX |
| XXX | 66054572 | XXX | XXX | XXX | Note Date | notePage | XXX | XXX |
| XXX | 66054572 | XXX | XXX | XXX | Amount of Other Lien | titlePage | XXX | XXX |
| XXX | 66054572 | XXX | XXX | XXX | Verified Doc Type | employmentIncomePage | Business P&L | Other Bank Statements |
| XXX | 65648774 | XXX | XXX | XXX | Verified Doc Type | employmentIncomePage | Business P&L | Other Bank Statements |
| XXX | 65648774 | XXX | XXX | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX |
| XXX | 68633227 | XXX | XXX | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX |
| XXX | 63936279 | XXX | XXX | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX |
| XXX | 63076278 | XXX | XXX | XXX | First Payment Date | notePage | XXX | XXX |
| XXX | 63076278 | XXX | XXX | XXX | Amount of Other Lien | titlePage | XXX | XXX |
| XXX | 69468788 | XXX | XXX | XXX | Note Date | notePage | XXX | XXX |
| XXX | 69468788 | XXX | XXX | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX |
| XXX | 64005950 | XXX | XXX | XXX | Property Type | propertyValuationPage | PUD | Single Family Detached |
| XXX | 64005950 | XXX | XXX | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX |
| XXX | 65676526 | XXX | XXX | XXX | Note Date | notePage | XXX | XXX |
| XXX | 65676526 | XXX | XXX | XXX | Amount of Other Lien | titlePage | XXX | XXX |
| XXX | 65676526 | XXX | XXX | XXX | Verified Doc Type | employmentIncomePage | Business P&L | Other Bank Statements |
| XXX | 62456117 | XXX | XXX | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX |
| XXX | 69949986 | XXX | XXX | XXX | Initial Monthly P&I Or IO Payment | notePage | XXX | XXX |
| XXX | 69949986 | XXX | XXX | XXX | Property Type | propertyValuationPage | PUD | Single Family Detached |
| XXX | 67538909 | XXX | XXX | XXX | Note Date | notePage | XXX | XXX |
| XXX | 67538909 | XXX | XXX | XXX | Refinance Type | the1003Page | Cash Out - Home Improvement/Reno | Limited Cash Out - <2% of Loan Amount or $2000 |
| XXX | 67538909 | XXX | XXX | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX |
| XXX | 64687270 | XXX | XXX | XXX | Loan Type | the1003Page | Other | Conventional |
| XXX | 64687270 | XXX | XXX | XXX | Borrower 1 Last Name | notePage | XXX | XXX |
| XXX | 64687270 | XXX | XXX | XXX | Borrower 2 First Name | notePage | XXX | XXX |
| XXX | 64687270 | XXX | XXX | XXX | Borrower 1 First Name | notePage | XXX | XXX |
| XXX | 64687270 | XXX | XXX | XXX | Borrower 2 Last Name | notePage | XXX | XXX |
| XXX | 64687270 | XXX | XXX | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX |
| XXX | 64748013 | XXX | XXX | XXX | Loan Type | the1003Page | Other | Conventional |
| XXX | 64748013 | XXX | XXX | XXX | Note Date | notePage | XXX | XXX |
| XXX | 64143416 | XXX | XXX | XXX | Qualifying LTV | propertyValuationPage | XXX | XXX |
| XXX | 64143416 | XXX | XXX | XXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXX | XXX |

---

## Exhibit 99.3

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.3 - Schedule 5**

---

| | | | |
|:---|:---|:---|:---|
| TPR Firm: | ![](incenter-logo.jpg) | Report Date: | 4/9/2026 |
| Client Name: | Vista Point Mortgage | Report: | Valuation Summary |
| Deal Name: | VSTA 2026-CES2 | Loans in report: | 75 |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Incenter Loan ID** | **Client Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXX | 69811065 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual Condo Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Loan Collateral Advisor (LCA) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX |  | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  | 1 | XXX | Eligible | 1 | XXX |
| XXX | 61460150 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX |  | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 1.6 | XXX |
| XXX | 69951393 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX |  | XXX | XXX | XXX | .0000 | XXX | LOW RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX | Not Eligible | 4.6 | XXX |
| XXX | 62299726 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX |  | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |
| XXX | 65127822 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Loan Collateral Advisor (LCA) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX |  | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  | 1 | XXX | Eligible |  | XXX |
| XXX | 63085175 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX |  | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 1 | XXX |
| XXX | 68428191 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX |  | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX | Not Eligible | 2.6 | XXX |
| XXX | 68862266 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX |  | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 1.5 | XXX |
| XXX | 61687096 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX |  | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |
| XXX | 67452962 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX |  | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |
| XXX | 61811401 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | AVM | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  | 90.0 | 0.1 | XXX | ClearAVM | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |
| XXX | 69011937 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | AVM | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  | 95.0 | 0.05 | XXX | ClearAVM | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |
| XXX | 68265891 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX |  | XXX | XXX | XXX | .0000 | XXX | LOW RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |
| XXX | 64695697 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX |  | XXX | XXX | XXX | .0000 | XXX | MODERATE RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 3.4 | XXX |
| XXX | 64725314 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX |  | XXX | XXX | XXX | .0000 | XXX | MODERATE RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |
| XXX | 67397795 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX |  | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX | Not Eligible | 2.1 | XXX |
| XXX | 63422887 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX |  | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 1 | XXX |
| XXX | 69920586 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX |  | XXX | XXX | XXX | .0000 | XXX | MODERATE RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |
| XXX | 69156786 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX |  | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |
| XXX | 66445566 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX |  | XXX | XXX | XXX | .0000 | XXX | MODERATE RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |
| XXX | 65217090 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX |  | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |
| XXX | 66283548 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | AVM | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  | 94.0 | 0.06 | XXX | ClearAVM | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |
| XXX | 68199414 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX |  | XXX | XXX | XXX | .0000 | XXX | LOW RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |
| XXX | 67606770 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX |  | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |
| XXX | 68949981 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX | .0654 | AVM | XXX | XXX |  | XXX |  | XXX | XXX | .0654 | 93.0 | 0.07 | XXX | ClearAVM | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 2.6 | XXX |
| XXX | 64043537 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX |  | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 1.8 | XXX |
| XXX | 63393304 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX |  | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 1 | XXX |
| XXX | 69928177 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | AVM | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  | 91.0 | 0.09 | XXX | ClearAVM | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |
| XXX | 61157919 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX |  | XXX | XXX | XXX | .0000 | XXX | LOW RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |
| XXX | 64379230 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX |  | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |
| XXX | 63940440 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX |  | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |
| XXX | 67308148 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX |  | XXX | XXX | XXX | .0000 | XXX | LOW RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |
| XXX | 60493532 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | AVM | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  | 95.0 | 0.05 | XXX | ClearAVM | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |
| XXX | 61765729 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX |  | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 1 | XXX |
| XXX | 63717376 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1073 Individual Condo Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX |  | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 1.7 | XXX |
| XXX | 65835144 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX |  | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |
| XXX | 69100313 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1025 Small Residential Income Report | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX |  | XXX | XXX | XXX | .0000 | XXX | LOW RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |
| XXX | 66585741 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | AVM | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  | 95.0 | 0.05 | XXX | ClearAVM | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |
| XXX | 60193955 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX |  | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 1 | XXX |
| XXX | 64811636 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX |  | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |
| XXX | 68004634 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX |  | XXX | XXX | XXX | .0000 | XXX | LOW RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX | Not Eligible | 4.7 | XXX |
| XXX | 61963100 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX | .0000 | Desk Review | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX |  | XXX | XXX | XXX | .0000 | XXX | NA | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 4.6 | XXX |
| XXX | 60576393 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | AVM | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  | 94.0 | 0.06 | XXX | ClearAVM | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |
| XXX | 65171943 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Loan Collateral Advisor (LCA) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX |  | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  | 2.5 | XXX | Eligible | 1.1 | XXX |
| XXX | 62763142 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Loan Collateral Advisor (LCA) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX |  | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  | 1 | XXX | Eligible | 1 | XXX |
| XXX | 61809389 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX |  | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 1 | XXX |
| XXX | 68616709 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | AVM | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  | 95.0 | 0.05 | XXX | ClearAVM | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |
| XXX | 69920839 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX |  | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX | Eligible | 1.9 | XXX |
| XXX | 63516965 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX |  | XXX | XXX | XXX | .0000 | XXX | MODERATE RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX | Not Eligible | 3.4 | XXX |
| XXX | 60314688 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX |  | XXX | XXX | XXX | .0000 | XXX | MODERATE RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX | Not Eligible | 2.6 | XXX |
| XXX | 69756619 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX |  | XXX | XXX | XXX | .0000 | XXX | MODERATE RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |
| XXX | 63375763 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | AVM | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  | 89.0 | 0.11 | XXX | ClearAVM | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |
| XXX | 64801013 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX |  | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX | Not Eligible | 1 | XXX |
| XXX | 65141658 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX |  | XXX | XXX | XXX | .0000 | XXX | LOW RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |
| XXX | 68937364 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX |  | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  | 1 | XXX | Eligible | 1 | XXX |
| XXX | 66161209 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX |  | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 1 | XXX |
| XXX | 61105298 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | AVM | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  | 90% | 0.1 | XXX | ClearAVM | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  |  | XXX |
| XXX | 63936788 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX |  | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 2.3 | XXX |
| XXX | 69709483 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX |  | XXX | XXX | XXX | .0000 | XXX | MODERATE RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX | Not Eligible | 2.7 | XXX |
| XXX | 63323552 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX |  | XXX | XXX | XXX | .0000 | XXX | LOW RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX | Eligible | 2.7 | XXX |
| XXX | 66054572 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX |  | XXX | XXX | XXX | .0000 | XXX | LOW RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX | Not Eligible | 1.1 | XXX |
| XXX | 65648774 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX |  | XXX | XXX | XXX | .0000 | XXX | LOW RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX | Eligible | 1 | XXX |
| XXX | 68633227 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX |  | XXX | XXX | XXX | .0000 | XXX | LOW RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 1 | XXX |
| XXX | 63936279 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX |  | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX | Eligible | 1.1 | XXX |
| XXX | 63076278 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX |  | XXX | XXX | XXX | .0000 | XXX | LOW RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 1 | XXX |
| XXX | 69468788 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | -.0479 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX |  | XXX | XXX | XXX | -.0479 | XXX | MODERATE RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX | Eligible | 1.9 | XXX |
| XXX | 64005950 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX |  | XXX | XXX | XXX | .0000 | XXX | LOW RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX | Not Eligible | 3.1 | XXX |
| XXX | 65676526 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX |  | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  | 1 | XXX | Eligible | 1 | XXX |
| XXX | 62456117 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX |  | XXX | XXX | XXX | .0000 | XXX | LOW RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 1 | XXX |
| XXX | 69949986 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Loan Collateral Advisor (LCA) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX |  | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  | 2 | XXX | Eligible | 1 | XXX |
| XXX | 67538909 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX |  | XXX | XXX | XXX | .0000 | XXX | LOW RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX | Eligible | 1.9 | XXX |
| XXX | 61444654 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX |  | XXX | XXX | XXX | .0000 | XXX | MODERATE RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX | Eligible | 2.5 | XXX |
| XXX | 64687270 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX |  | XXX | XXX | XXX | .0000 | XXX | LOW RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  | 2.5 | XXX | Eligible | 1 | XXX |
| XXX | 64748013 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Collateral Underwriter (CU) | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX |  | XXX | XXX | XXX |  | XXX |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  | 2.5 | XXX | Eligible | 1 | XXX |
| XXX | 64143416 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 1004 URAR | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | .0000 | Desk Review | XXX | XXX |  |  | XXX | XXX |  | XXX |  | XXX | XXX |  |  |  | XXX |  | XXX | XXX | XXX | .0000 | XXX | LOW RISK | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX |  | XXX | XXX |  |  | XXX |  | 1 | XXX |

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## Exhibit 99.3

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.3 - Schedule 6**

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| | | | |
|:---|:---|:---|:---|
| TPR Firm: | ![](incenter-logo.jpg) | Report Date: | 4/9/2026 |
| Client Name: | Vista Point Mortgage | Report: | Supplemental Data |
| Deal Name: | VSTA 2026-CES2 | Loans in report: | 75 |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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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 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 242 | 243 | 244 | 245 | 246 | 247 | 248 | 249 | 250 | 251 | 252 | 253 | 254 | 255 | 256 | 257 | 258 | 259 | 260 | 261 |
| **Incenter Loan ID** | **Client Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Co Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Borrower Award/Offer Letter** | **Co Borrower Award/Offer Letter** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower WVOE Flag** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower WVOE Flag** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** |
| XXX | 69811065 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 11/20/2025 | 6.230% | Manual Underwriting |  | No | 10.150% |  | 9.625% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | Monthly | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | W2/1099 Verified | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SSI and Disability, Retirement - Executed 4506T Verified - ["2025"] - 2025 | Borrower - Executed 4506T Verified - ["2025"] - 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 | XXX | XXX | XXX | 0 | XXX | XXX | 0 |  | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 61460150 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 10/15/2025 | 6.290% | Manual Underwriting |  | No | 9.274% |  | 8.750% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 48 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 | XXX | XXX | XXX | 0 | XXX | XXX | 0 |  | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 69951393 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | No | No | No | N/A | N/A | XXX |  |  | Manual Underwriting |  | No |  |  | 8.625% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | XXX | XXX |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 | XXX | XXX | XXX | 0 | XXX | XXX | 0 |  | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXX | 62299726 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 11/12/2025 | 5.640% | Manual Underwriting |  | No | 8.623% |  | 8.500% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified, Lease Agreements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 | XXX | XXX | XXX | 0 | XXX | XXX | 0 |  | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 65127822 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 11/19/2025 | 6.230% | Manual Underwriting |  | No | 8.666% |  | 8.375% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 23 | 23 | FNMA 1005 | Yes | 34 | 34 | Work Number | No | XXX | XXX |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Wage, Overtime - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 | XXX | XXX | XXX | 0 | XXX | XXX | 0 |  | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 63085175 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX |  |  | Manual Underwriting |  | No |  |  | 8.750% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 2 | 1 Month | Less than 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | NA | No | No | 0 | No | No | Missing | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 33 | 33 | Other | NA | 0 | 0 | N/A | No | XXX | XXX |  | Borrower - Wage, Overtime, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, Less than 1 Month Paystubs Verified, Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 | XXX | XXX | XXX | 0 | XXX | XXX | 0 |  | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 68428191 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX |  |  | Manual Underwriting |  | No |  |  | 8.375% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes | Yes |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | Full Doc | 1 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 2 | 1 | 2 | 0 | 2 | 1 | NA | Yes | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 39.94% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | XXX | XXX |  | Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Lease Agreements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Award Letter Verified, Lease Agreements Verified - ["2024","2025","2023"] - 2024, 2025, 2023 | Borrower - 2 YRS Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025","2023"] - 2024, 2025, 2023 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 | XXX | XXX | XXX | 0 | XXX | XXX | 0 |  | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |
| XXX | 68862266 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 12/01/2025 | 6.190% | Manual Underwriting |  | No | 9.642% |  | 9.375% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes | Yes |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 2 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 93.07% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | Yes | 34 | 34 | FNMA 1005 | No | XXX | XXX |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 | XXX | XXX | XXX | 0 | XXX | XXX | 0 |  | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 61687096 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | ATR/QM: Not Applicable | No | No | No | N/A | N/A | XXX |  |  | Manual Underwriting |  | No |  |  | 8.875% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | XXX | XXX |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 | XXX | XXX | XXX | 0 | XXX | XXX | 0 |  | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| XXX | 67452962 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 12/17/2025 | 6.270% | Manual Underwriting |  | No | 10.603% |  | 10.500% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | Annually | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 35 | 35 | Work Number |  |  | 0 |  | No | XXX | XXX |  | Borrower - Wage, Bonus - Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025","2023"] - 2024, 2025, 2023 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025","2023"] - 2024, 2025, 2023 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 | XXX | XXX | XXX | 0 | XXX | XXX | 0 |  | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 61811401 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 12/09/2025 | 6.220% | Manual Underwriting |  | No | 9.995% |  | 9.875% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | Monthly | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 1 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 14 | 14 | Work Number |  |  | 0 |  | No | XXX | XXX |  | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 | XXX | XXX | XXX | 0 | XXX | XXX | 0 |  | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen |  | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 69011937 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 12/11/2025 | 6.220% | Manual Underwriting |  | No | 11.105% |  | 11.000% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | Monthly | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 17 | 22 | Work Number | NA | 0 | 0 | N/A | No | XXX | XXX |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 | XXX | XXX | XXX | 0 | XXX | XXX | 0 |  | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen |  | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX | Missing | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 68265891 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 12/12/2025 | 6.220% | Manual Underwriting |  | No | 12.484% |  | 11.750% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | Monthly | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SECorporation, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 | XXX | XXX | XXX | 0 | XXX | XXX | 0 |  | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 64695697 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 12/12/2025 | 6.220% | Manual Underwriting |  | No | 10.523% |  | 9.999% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 105 | 35 | Other |  |  | 0 |  | No | XXX | XXX |  | Borrower - Wage, Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 | XXX | XXX | XXX | 0 | XXX | XXX | 0 |  | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 64725314 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | No | No | No | N/A | N/A | XXX |  |  | Manual Underwriting |  | No |  |  | 10.125% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | XXX | XXX |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 | XXX | XXX | XXX | 0 | XXX | XXX | 0 |  | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| XXX | 67397795 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 12/16/2025 | 6.270% | Manual Underwriting |  | No | 10.213% |  | 9.875% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | Monthly | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 1 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 58 | 34 | Other |  |  | 0 |  | No | XXX | XXX |  | Borrower - Wage, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 | XXX | XXX | XXX | 0 | XXX | XXX | 0 |  | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 63422887 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 12/19/2025 | 6.270% | Manual Underwriting |  | No | 10.341% |  | 9.875% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Not Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | Yes | No | No | 0 | No | No | N/A | 0 | 0 | Yes | Yes | 0 | 12 | 0.00% |  | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | Yes | 12 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | XXX | XXX |  | Borrower - Executed 4506T Verified - [] \|\| Co Borrower - SECorporation, SSI and Disability - CPA Letter Verified, Executed 4506T Verified, Award Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - Executed 4506T Verified - [] \|\| Co Borrower - Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 | XXX | XXX | XXX | 0 | XXX | XXX | 0 |  | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 69920586 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | No | No | No | N/A | N/A | XXX |  |  | Manual Underwriting |  | No |  |  | 10.001% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | XXX | XXX |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 | XXX | XXX | XXX | 0 | XXX | XXX | 0 |  | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| XXX | 69156786 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 12/19/2025 | 6.270% | Manual Underwriting |  | No | 8.783% |  | 8.250% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SECorporation - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 | XXX | XXX | XXX | 0 | XXX | XXX | 0 |  | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 66445566 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX |  |  | Manual Underwriting |  | No |  |  | 8.125% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 36 | 36 | Work Number |  |  | 0 |  | No | XXX | XXX |  | Borrower - Wage, Commission, Bonus, Subject Property Net Rental Income(Loss) if NOO, Primary Residence Rent Income - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, Executed 4506T Verified, 1040 Schedule E Verified - ["2024","2025","2023"] - 2024, 2025, 2023 | Borrower - Executed 4506T Verified, 1040 Schedule E Verified - ["2024","2025","2023"] - 2024, 2025, 2023 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 | XXX | XXX | XXX | 0 | XXX | XXX | 0 |  | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 65217090 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 01/05/2026 | 6.190% | Manual Underwriting |  | No | 9.902% |  | 9.250% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 0 | 0 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 34 | 34 | Other | Yes | 34 | 34 | Other | No | XXX | XXX |  | Borrower - Wage, Overtime, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified, 1040 Schedule E Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - Wage - 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, IRS Transcripts Verified, 1040 Schedule E Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 | XXX | XXX | XXX | 0 | XXX | XXX | 0 |  | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 66283548 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | No | No | No | N/A | N/A | XXX |  |  | Manual Underwriting |  | No |  |  | 9.375% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | XXX | XXX |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 | XXX | XXX | XXX | 0 | XXX | XXX | 0 |  | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| XXX | 68199414 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | No | No | No | N/A | N/A | XXX |  |  | Manual Underwriting |  | No |  |  | 9.000% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | XXX | XXX |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 | XXX | XXX | XXX | 0 | XXX | XXX | 0 |  | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 67606770 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 11/21/2025 | 6.230% | Manual Underwriting |  | No | 8.541% |  | 8.375% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | Monthly | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SECorporation, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 | XXX | XXX | XXX | 0 | XXX | XXX | 0 |  | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 68949981 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 12/30/2025 | 6.250% | Manual Underwriting |  | No | 10.054% |  | 9.375% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | Tax Preparer |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2025"] - 2025 | Borrower - ["2025"] - 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 | XXX | XXX | XXX | 0 | XXX | XXX | 0 |  | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen |  | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 64043537 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 12/30/2025 | 6.250% | Manual Underwriting |  | No | 8.611% |  | 8.500% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Personal Bank Statements Verified - ["2025"] - 2025 | Borrower - ["2025"] - 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 | XXX | XXX | XXX | 0 | XXX | XXX | 0 |  | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 63393304 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A | XXX |  |  | Manual Underwriting |  | No |  |  | 8.500% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | Monthly | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | XXX | XXX |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 | XXX | XXX | XXX | 0 | XXX | XXX | 0 |  | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| XXX | 69928177 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 01/09/2026 | 6.190% | Manual Underwriting |  | No | 10.064% |  | 9.875% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 2 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 102 | 102 | Work Number | Yes | 122 | 122 | Work Number | No | XXX | XXX |  | Borrower - Wage, Commission - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Wage, Bonus - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | Borrower - Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 | XXX | XXX | XXX | 0 | XXX | XXX | 0 |  | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 61157919 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A | XXX |  |  | Manual Underwriting |  | No |  |  | 8.875% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SECorporation, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified - ["2025"] - 2025 | Borrower - ["2025"] - 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 | XXX | XXX | XXX | 0 | XXX | XXX | 0 |  | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Member on Behalf of Entity | N/A | N/A | N/A |
| XXX | 64379230 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 11/20/2025 | 6.230% | Manual Underwriting |  | No | 8.041% |  | 7.875% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | Annually | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | W2/1099 Verified | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | Yes |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - Retirement, SSI and Disability, Other, Other REO Net Rental Income(Loss) - Award Letter Verified - ["2025"] - 2025 | Borrower - ["2025"] - 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 | XXX | XXX | XXX | 0 | XXX | XXX | 0 |  | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 63940440 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX |  |  | Manual Underwriting |  | No |  |  | 9.750% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes | Yes |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | Full Doc | 2 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 1 | 1 | 1 |  | 1 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | -4.12% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | XXX | XXX |  | Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), CPA Letter Verified, 2 YRS W2 1099 Verified, Executed 4506T Verified, IRS Transcripts Verified, 1040 Schedule E Verified - ["2024"] - 2024 \|\| Co Borrower - Wage - 1 YR Personal Tax Returns Verified, null Business Tax Returns Verified(N/A), 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Executed 4506T Verified, IRS Transcripts Verified - ["2024","2025","2026"] - 2024, 2025, 2026 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), Executed 4506T Verified, IRS Transcripts Verified, 1040 Schedule E Verified - ["2024"] - 2024 \|\| Co Borrower - 1 YR Personal Tax Returns Verified, null Business Tax Returns Verified(N/A), Executed 4506T Verified, IRS Transcripts Verified - ["2024","2025","2026"] - 2024, 2025, 2026 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 | XXX | XXX | XXX | 0 | XXX | XXX | 0 |  | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 67308148 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 01/13/2026 | 6.170% | Manual Underwriting |  | No | 8.782% |  | 8.375% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - Wage, Overtime, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 | XXX | XXX | XXX | 0 | XXX | XXX | 0 |  | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 60493532 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 01/16/2026 | 6.170% | Manual Underwriting |  | No | 12.643% |  | 12.375% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | Monthly | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - Wage, Overtime - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Executed 4506T Verified - ["2024","2025","2026"] - 2024, 2025, 2026 | Borrower - Executed 4506T Verified - ["2024","2025","2026"] - 2024, 2025, 2026 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 | XXX | XXX | XXX | 0 | XXX | XXX | 0 |  | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 61765729 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 01/20/2026 | 6.060% | Manual Underwriting |  | No | 8.868% |  | 8.750% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | Annually | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 35 | 35 | Work Number | NA | 0 | 0 | N/A | No | XXX | XXX |  | Borrower - Wage, Bonus, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2025"] - 2025 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified - ["2025"] - 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2025"] - 2025 \|\| Co Borrower - ["2025"] - 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 | XXX | XXX | XXX | 0 | XXX | XXX | 0 |  | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen |  | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 63717376 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 01/21/2026 | 6.060% | Manual Underwriting |  | No | 8.695% |  | 8.500% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | Monthly | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 0 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 12 | 12 | Work Number |  |  | 0 |  | No | XXX | XXX |  | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified - ["2025"] - 2025 | Borrower - Executed 4506T Verified - ["2025"] - 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 | XXX | XXX | XXX | 0 | XXX | XXX | 0 |  | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 65835144 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A | XXX |  |  | Manual Underwriting |  | No |  |  | 8.750% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | XXX | XXX |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 | XXX | XXX | XXX | 0 | XXX | XXX | 0 |  | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| XXX | 69100313 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | Yes | No | N/A | N/A | XXX | 01/22/2026 | 6.060% | Manual Underwriting |  | No | 9.392% |  | 8.875% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 96 | 35 | Work Number |  |  | 0 |  | No | XXX | XXX |  | Borrower - Wage, Overtime, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), SEPartnership - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Lease Agreements Verified, 1040 Schedule E Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 | XXX | XXX | XXX | 0 | XXX | XXX | 0 |  | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 66585741 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 01/28/2026 | 6.140% | Manual Underwriting |  | No | 8.151% |  | 8.000% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | Monthly | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | XXX | XXX |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - ["2026","2025","2024"] - 2026, 2025, 2024 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified - ["2026","2024","2025"] - 2026, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2026","2025","2024"] - 2026, 2025, 2024 \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2026","2024","2025"] - 2026, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 | XXX | XXX | XXX | 0 | XXX | XXX | 0 |  | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 60193955 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 02/02/2026 | 6.100% | Manual Underwriting |  | No | 8.402% |  | 8.250% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 216 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2025","2026"] - 2025, 2026 | Borrower - ["2025","2026"] - 2025, 2026 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 | XXX | XXX | XXX | 0 | XXX | XXX | 0 |  | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 64811636 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 02/03/2026 | 6.100% | Manual Underwriting |  | No | 8.534% |  | 8.500% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | Full Doc | 1 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 2 | Yes |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - Retirement, SSI and Disability, Retirement - 1 YR W2 1099 Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 | XXX | XXX | XXX | 0 | XXX | XXX | 0 |  | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 68004634 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 02/11/2026 | 6.130% | Manual Underwriting |  | No | 8.423% |  | 8.375% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 120 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2025"] - 2025 | Borrower - ["2025"] - 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 | XXX | XXX | XXX | 0 | XXX | XXX | 0 |  | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 61963100 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 02/03/2026 | 6.100% | Manual Underwriting |  | No | 8.719% |  | 8.500% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 2 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SESoleProprietor - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2023"] - 2024, 2023 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2023"] - 2024, 2023 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 | XXX | XXX | XXX | 0 | XXX | XXX | 0 |  | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 60576393 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX |  |  | Manual Underwriting |  | No |  |  | 9.250% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | Monthly | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 97.79% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SEPartnership, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - ["2023","2024","2025"] - 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 | XXX | XXX | XXX | 0 | XXX | XXX | 0 |  | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 65171943 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 02/05/2026 | 5.590% | Manual Underwriting |  | No | 8.077% |  | 7.990% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | Full Doc | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 60 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 99 | 25 | FNMA 1005 | NA | 0 | 0 | N/A | No | XXX | XXX |  | Borrower - Wage, Asset Depletion - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified - ["2025","2026"] - 2025, 2026 \|\| Co Borrower - Asset Depletion - ["2025","2026"] - 2025, 2026 | Borrower - ["2025","2026"] - 2025, 2026 \|\| Co Borrower - ["2025","2026"] - 2025, 2026 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 | XXX | XXX | XXX | 0 | XXX | XXX | 0 |  | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 62763142 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 02/06/2026 | 6.100% | Manual Underwriting |  | No | 7.827% |  | 7.500% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 12 | 12 | Work Number |  |  | 0 |  | No | XXX | XXX |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, Executed 4506T Verified - ["2025"] - 2025 | Borrower - Executed 4506T Verified - ["2025"] - 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 | XXX | XXX | XXX | 0 | XXX | XXX | 0 |  | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 61809389 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 02/10/2026 | 6.130% | Manual Underwriting |  | No | 9.846% |  | 9.750% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | Annually | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2025","2026"] - 2025, 2026 | Borrower - ["2025","2026"] - 2025, 2026 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 | XXX | XXX | XXX | 0 | XXX | XXX | 0 |  | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 68616709 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 02/10/2026 | 6.130% | Manual Underwriting |  | No | 8.275% |  | 8.000% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | Monthly | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SESoleProprietor - CPA Letter Verified, Personal Bank Statements Verified - ["2025"] - 2025 | Borrower - ["2025"] - 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 | XXX | XXX | XXX | 0 | XXX | XXX | 0 |  | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 69920839 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 03/09/2026 | 5.700% | Manual Underwriting |  | No | 7.705% |  | 7.500% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | Monthly | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 25 | 25 | Work Number | Yes | 25 | 25 | Work Number | No | XXX | XXX |  | Borrower - Commission, Bonus, Overtime - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified - ["2025","2026","2024"] - 2025, 2026, 2024 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified - ["2025","2026","2024"] - 2025, 2026, 2024 | Borrower - ["2025","2026","2024"] - 2025, 2026, 2024 \|\| Co Borrower - ["2025","2026","2024"] - 2025, 2026, 2024 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 | XXX | XXX | XXX | 0 | XXX | XXX | 0 |  | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 63516965 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | No | No | No | N/A | N/A | XXX |  |  | Manual Underwriting |  | No |  |  | 9.000% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | XXX | XXX |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 | XXX | XXX | XXX | 0 | XXX | XXX | 0 |  | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |
| XXX | 60314688 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 02/17/2026 | 6.100% | Manual Underwriting |  | No | 10.058% |  | 9.625% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | Monthly | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Not Employed | Self-Employed |  |  |  |  | Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 100.00% |  | N/A | 0 | N/A | Audited | Tax Preparer | 12 | NA | 0 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | XXX | XXX |  | Borrower - Other REO Net Rental Income(Loss) \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2025"] - 2025 | Borrower \|\| Co Borrower - ["2025"] - 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 | XXX | XXX | XXX | 0 | XXX | XXX | 0 |  | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 69756619 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 02/18/2026 | 6.100% | Manual Underwriting |  | No | 9.526% |  | 9.125% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2025"] - 2025 | Borrower - ["2025"] - 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 | XXX | XXX | XXX | 0 | XXX | XXX | 0 |  | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 63375763 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 02/18/2026 | 6.100% | Manual Underwriting |  | No | 9.598% |  | 9.500% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | XXX | XXX |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - ["2024","2025","2026"] - 2024, 2025, 2026 \|\| Co Borrower - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025","2026"] - 2024, 2025, 2026 \|\| Co Borrower - 2 YRS Executed 4506T Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | 7 | XXX | XXX | 1 | XXX | XXX | XXX | 0 | XXX | XXX | 0 |  | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 64801013 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 02/20/2026 | 6.100% | Manual Underwriting |  | No | 8.639% |  | 8.500% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 0 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 142 | 25 | Work Number |  |  | 0 |  | No | XXX | XXX |  | Borrower - Wage, Overtime - 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified - ["2024","2025","2026"] - 2024, 2025, 2026 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025","2026"] - 2024, 2025, 2026 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 | XXX | XXX | XXX | 0 | XXX | XXX | 0 |  | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 65141658 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 02/20/2026 | 6.100% | Manual Underwriting |  | No | 9.095% |  | 8.750% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | Annually | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 91.14% | 100.00% | 66.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | XXX | XXX |  | Borrower - SECorporation, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2025"] - 2025 \|\| Co Borrower - SECorporation - null CPA Letter Verified - ["2025"] - 2025 | Borrower - ["2025"] - 2025 \|\| Co Borrower - ["2025"] - 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 | XXX | XXX | XXX | 0 | XXX | XXX | 0 |  | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 68937364 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 01/12/2026 | 6.170% | Manual Underwriting |  | No | 8.914% |  | 8.750% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | Monthly | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 24 | CPA |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SECorporation, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, Executed 4506T Verified - ["2025"] - 2025 | Borrower - Executed 4506T Verified - ["2025"] - 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 | XXX | XXX | XXX | 0 | XXX | XXX | 0 |  | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 66161209 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | No | No | No | N/A | N/A | XXX |  |  | Manual Underwriting |  | No |  |  | 9.000% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | Monthly | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | XXX | XXX |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 | XXX | XXX | XXX | 0 | XXX | XXX | 0 |  | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| XXX | 61105298 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | Yes | No | N/A | N/A | XXX | 02/26/2026 | 5.990% | Manual Underwriting |  | No | 9.113% |  | 8.875% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 1 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 37 | 37 | Work Number |  |  | 0 |  | No | XXX | XXX |  | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified, 1040 Schedule E Verified - ["2025","2026"] - 2025, 2026 | Borrower - 1 YR Personal Tax Returns Verified, Executed 4506T Verified, 1040 Schedule E Verified - ["2025","2026"] - 2025, 2026 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 | XXX | XXX | XXX | 0 | XXX | XXX | 0 |  | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 63936788 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | ATR/QM: Exempt | No | No | No | N/A | N/A | XXX |  |  | Manual Underwriting |  | No |  |  | 9.000% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | XXX | XXX |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 | XXX | XXX | XXX | 0 | XXX | XXX | 0 |  | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |
| XXX | 69709483 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 02/02/2026 | 6.100% | Manual Underwriting |  | No | 8.926% |  | 8.750% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | Monthly | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SECorporation, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, Executed 4506T Verified - ["2025"] - 2025 | Borrower - Executed 4506T Verified - ["2025"] - 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 | XXX | XXX | XXX | 0 | XXX | XXX | 0 |  | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 63323552 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 12/10/2025 | 6.220% | Manual Underwriting |  | No | 8.221% |  | 7.875% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 77 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 | XXX | XXX | XXX | 0 | XXX | XXX | 0 |  | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 66054572 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 12/30/2025 | 6.250% | Manual Underwriting |  | No | 10.556% |  | 9.875% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | Monthly | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SECorporation - CPA Letter Verified, YTD Profit And Loss Verified, Executed 4506T Verified - ["2025"] - 2025 | Borrower - Executed 4506T Verified - ["2025"] - 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 | XXX | XXX | XXX | 0 | XXX | XXX | 0 |  | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 65648774 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 01/28/2026 | 6.140% | Manual Underwriting |  | No | 8.414% |  | 8.125% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SECorporation - CPA Letter Verified, YTD Profit And Loss Verified - ["2025"] - 2025 | Borrower - ["2025"] - 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 | XXX | XXX | XXX | 0 | XXX | XXX | 0 |  | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 68633227 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 10/22/2025 | 6.240% | Manual Underwriting |  | No | 9.098% |  | 8.750% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 261 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SESoleProprietor, SESoleProprietor, SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 | XXX | XXX | XXX | 0 | XXX | XXX | 0 |  | XXX | XXX | XXX | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 63936279 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 12/16/2025 | 6.270% | Manual Underwriting |  | No | 10.528% |  | 10.250% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 45.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 50 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SESoleProprietor - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 | XXX | XXX | XXX | 0 | XXX | XXX | 0 |  | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 63076278 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 12/17/2025 | 6.270% | Manual Underwriting |  | No | 9.936% |  | 9.500% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 2 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | Yes | Yes | 0 | 12 | 55.34% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | XXX | XXX |  | Borrower - Other - 2 YRS W2 1099 Verified - ["2023","2024"] - 2023, 2024 \|\| Co Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2023","2024"] - 2023, 2024 \|\| Co Borrower - ["2024","2025"] - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 | XXX | XXX | XXX | 0 | XXX | XXX | 0 |  | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 69468788 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | Yes | No | N/A | N/A | XXX | 01/29/2026 | 6.140% | Manual Underwriting |  | No | 8.596% |  | 8.125% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 2 | 2 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Missing | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - Wage, SEPartnership, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S), 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified - ["2024","2025","2026"] - 2024, 2025, 2026 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S), 2 YRS Executed 4506T Verified - ["2024","2025","2026"] - 2024, 2025, 2026 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 | XXX | XXX | XXX | 0 | XXX | XXX | 0 |  | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 64005950 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 12/17/2025 | 6.270% | Manual Underwriting |  | No | 9.071% |  | 9.000% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | Monthly | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 2 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 11 | 11 | FNMA 1005 |  |  | 0 |  | No | XXX | XXX |  | Borrower - Wage, Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 | XXX | XXX | XXX | 0 | XXX | XXX | 0 |  | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 65676526 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 12/22/2025 | 6.250% | Manual Underwriting |  | No | 8.374% |  | 8.125% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2025"] - 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2025"] - 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 | XXX | XXX | XXX | 0 | XXX | XXX | 0 |  | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 62456117 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 01/16/2026 | 6.170% | Manual Underwriting |  | No | 8.802% |  | 8.500% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | Annually | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 1 | 1 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | Yes | 1 | 1 | FNMA 1005 |  |  | 0 |  | No | XXX | XXX |  | Borrower - SECorporation, Wage, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120), CPA Letter Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120), Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 | XXX | XXX | XXX | 0 | XXX | XXX | 0 |  | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 69949986 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 01/27/2026 | 6.140% | Manual Underwriting |  | No | 9.787% |  | 9.375% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | Monthly | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 270 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2025"] - 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2025"] - 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 | XXX | XXX | XXX | 0 | XXX | XXX | 0 |  | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 67538909 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 01/16/2026 | 6.170% | Manual Underwriting |  | No | 9.390% |  | 9.000% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SECorporation, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2025"] - 2025 | Borrower - ["2025"] - 2025 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 | XXX | XXX | XXX | 0 | XXX | XXX | 0 |  | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 61444654 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 02/04/2026 | 6.100% | Manual Underwriting |  | No | 10.214% |  | 9.750% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 0 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 1 | 1 | FNMA 1005 |  |  | 0 |  | No | XXX | XXX |  | Borrower - Wage - 2+ Months Paystubs Verified, Written VOE Verified, Executed 4506T Verified - ["2025","2024","2026"] - 2025, 2024, 2026 | Borrower - Executed 4506T Verified - ["2025","2024","2026"] - 2025, 2024, 2026 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 | XXX | XXX | XXX | 0 | XXX | XXX | 0 |  | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |
| XXX | 64687270 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | Yes | No | N/A | N/A | XXX | 02/05/2026 | 6.100% | Manual Underwriting |  | No | 9.734% |  | 9.375% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Employed | Retired |  |  |  |  | Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 194 | 25 | Work Number | NA | 0 | 0 | N/A | No | XXX | XXX |  | Borrower - Wage, Overtime, SSI and Disability - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2010","2011","2012","2013","2014","2015","2016","2017","2018","2019","2020","2021","2022","2023","2024","2025"] - 2010, 2011, 2012, 2013, 2014, 2015, 2016, 2017, 2018, 2019, 2020, 2021, 2022, 2023, 2024, 2025 \|\| Co Borrower - SSI and Disability | Borrower - 2 YRS Executed 4506T Verified - ["2010","2011","2012","2013","2014","2015","2016","2017","2018","2019","2020","2021","2022","2023","2024","2025"] - 2010, 2011, 2012, 2013, 2014, 2015, 2016, 2017, 2018, 2019, 2020, 2021, 2022, 2023, 2024, 2025 \|\| Co Borrower | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 | XXX | XXX | XXX | 0 | XXX | XXX | 0 |  | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 64748013 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | Yes | No | N/A | N/A | XXX | 02/10/2026 | 6.130% | Manual Underwriting |  | No | 7.779% |  | 7.500% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX | Annually | XXX | XXX | XXX | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Missing | 0 | 0 | N/A | Yes | 252 | 25 | Work Number | No | XXX | XXX |  | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified - ["2024","2025","2026"] - 2024, 2025, 2026 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2024","2025","2026"] - 2024, 2025, 2026 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025","2026"] - 2024, 2025, 2026 \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2024","2025","2026"] - 2024, 2025, 2026 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 | XXX | XXX | XXX | 0 | XXX | XXX | 0 |  | XXX | XXX | XXX | 3 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |
| XXX | 64143416 | XXX | XXX | XXX | XXX | XXX | No | XXX | XXX | XXX | XXX | XXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | XXX | 02/13/2026 | 6.130% | Manual Underwriting |  | No | 8.653% |  | 8.375% |  | XXX | No | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | N/A | XXX | XXX | XXX | XXX |  | XXX | XXX | XXX | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 181 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | XXX | XXX |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2026"] - 2025, 2026 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2026"] - 2025, 2026 | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | No | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | NA | XXX | XXX | 0 | XXX | XXX | XXX | 0 | XXX | XXX | 0 |  | XXX | XXX | XXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Missing |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | XXX | Fee Simple | XXX | No | No | N/A | XXX | XXX | XXX | XXX | No | XXX | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |

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## Exhibit 99.4

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.4**

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![](ex994002.jpg)

**EXECUTIVE SUMMARY**

**VSTA 2026-CES2**

**April 7, 2026**

**INFINITY INTERNATIONAL PROCESSING SERVICES, INC.**

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**TABLE OF CONTENTS**

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| Infinity Biography | 2.0 |
| Description of the due diligence performed | 3.0 |
| Summary of findings and conclusions of review | 16.0 |
| Tape Integrity Review Results Summary | 17.0 |
| Additional Loan Population Summary | 17.0 |

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**INFINITY BIOGRAPHY**

Infinity IPS, Inc. is a privately held firm offering trusted financial products and services to capital markets participants. Founded in 2003, by a group of experienced mortgage due diligence executives, Infinity was started with a simple mission: To provide an independent, innovative, reliable and transparent work product, backed by an unsurpassed level of customer service. As a third-party reviewer, our independence, integrity, depth of expertise, and approach to due diligence and credit risk management provides clients the highest degree of hands-on oversight and participation when buying or selling pools, securitizing loans, or managing loans and securitizations over time.

Our rigorous, high touch approach to due diligence reviews provides all data necessary in the provision of an asset due diligence, risk retention, loss mitigation and forensic analysis services for all classes or mortgage products, consumer lending products, and more. Our mission is to provide an independent, innovative, reliable and transparent work product, backed by an unsurpassed level of customer service.

As a rating agency reviewed third-party due diligence provider, Infinity prides itself on meeting the standards of S&P, Fitch, Kroll, Moody's and DBRS Morningstar. Infinity is a privately-owned business and is headquartered in Rockville, MD with an underwriting facility in Tampa, FL.

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**DESCRIPTION OF THE DUE DILIGENCE PERFORMED**

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

Infinity IPS, Inc. ("Infinity") performed due diligence services as described below (the "Review"). All of these mortgage loans, which were originated by multiple parties, were purchased by Vista Point Mortgage, LLC ("Client") and were reviewed by Infinity on behalf of the Client. The mortgage loans were reviewed via files imaged and provided by the Client.

The Review population is comprised of fifty-one (51) mortgage loans that were originally reviewed from January 2026 to March 2026.

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

The mortgage loan review was broken down into the following review scopes:

■ "Compliance
 Review": 30<sup>1</sup> Mortgage Loans

■ "Credit
 Review": 51 Mortgage Loans

■ "Property
 Review": 6<sup>2</sup> Mortgage Loans

■ "Data
 Integrity": 51 Mortgage Loans

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

Infinity is not aware of the overall sample size for the securitization as the Review only covered the portion of the loans in the securitization reviewed by Infinity.

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

For fifty-one (51) mortgage loans, Infinity compared data fields on the data tape provided by Client to the data found in the actual file as captured by Infinity. This comparison, when data was available, included the following data fields:

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| &nbsp;&nbsp;Last Name | &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;Negative Amortization Flag | &nbsp;&nbsp;Sale Price |
| &nbsp;&nbsp;First Name | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;IO Term | &nbsp;&nbsp;LTV |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Original Rate | &nbsp;&nbsp;PP Terms | &nbsp;&nbsp;CLTV |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;PP Months | &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Address | &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;Next Rate Change Date | &nbsp;&nbsp;Current P&I |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Margin | &nbsp;&nbsp;First Payment Change Date | &nbsp;&nbsp;Rate Index |
| &nbsp;&nbsp;State | &nbsp;&nbsp;1st Rate Change Date | &nbsp;&nbsp;Next Payment Change Date | &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;Prepay Months | &nbsp;&nbsp;Reset Frequency | &nbsp;&nbsp;Deferred Balance |
| &nbsp;&nbsp;Documentation Type | &nbsp;&nbsp;Next Due Date | &nbsp;&nbsp;Rounding Code | &nbsp;&nbsp;Balloon Flag |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Property Units | &nbsp;&nbsp;Lookback Period | &nbsp;&nbsp;Borrower SSN |
| &nbsp;&nbsp;Credit Score | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Initial Roll Cap | &nbsp;&nbsp;Co-Borrower SSN |
| &nbsp;&nbsp;DTI | &nbsp;&nbsp;Mod Flag | &nbsp;&nbsp;Periodic Rate Cap |  |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;Mod Date | &nbsp;&nbsp;Life Rate Cap |  |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Current Rate | &nbsp;&nbsp;Life Rate Floor |  |

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<sup>1</sup> Twenty-one (21) loans were not subject to a compliance review but are graded A for compliance as they were confirmed to be exempt investor loans with no consumer purpose.

2 Forty-five (45) loans were not subject to a property review and did not receive a property grade.

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

Infinity conducted a credit review for fifty-one (51) mortgage loans. At that time, Infinity reviewed the 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 Infinity 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.

There were 2 sets of guidelines provided for the review. Each loan was reviewed to the specific guideline provided on the loan approval. Please refer the Exhibit A.

**Credit Application:** For the Credit Application, Infinity 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:** Infinity'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 guidelines. In order to make this determination, Infinity: (i) captured the monthly consumer debt payments for use in relevant calculations, (ii) noted and researched the Real Estate Owned and fraud alerts, (iii) gathered liabilities listed on the credit report to be included in the debt to income ratio as appropriate, and (iv) gathered date 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:** Infinity 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 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, and (vi) IRS tax transcripts.

**Asset Review:** Infinity 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, Infinity 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 Infinity. During the course of this review, Infinity (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 debt-to-income ("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

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mortgage loan number and was a "Life of Loan" certification, and (vi) completed other property specific items including (a) for condominium properties, confirming that the blanket policy met the minimum amount of coverage in the guidelines and (b) for properties in a flood zone per the flood certification, confirming that flood insurance met guideline requirements and met the minimum required amount of coverage in the guidelines.

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

**Fraud Review:** Infinity 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, Infinity conditioned the mortgage loan for the missing fraud report product.

If a report was present, Infinity 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, Infinity 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:** Infinity's review included 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:** Infinity 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(s) 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.

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**Business Purpose/DSCR Scope:** Infinity conducted a business purpose/property focused Investor review for fourteen (14) mortgage loans with DSCR calculation. There were no mortgage loans that were classified as No Ratio loans with no DSCR calculation.

Each loan, reviewed under this scope, was reviewed for adherence to the relevant credit policy as indicated by the Client. During the course of this review, Infinity (i) reviewed the provided Note, Mortgage/DOT, and Guaranty Agreement(s) to confirm execution, adherence to the credit policy, and agreement with other Loan Approval documentation, (ii) examined appraisal reports, BPO's, and appraisal reviews to determine if the property type was consistent with underwritten property type and usage (such as evidence of either owner or tenant occupancy) and compared this information against other relevant information contained within applicable sections of the loan file to evaluate consistency, accuracy, and adherence to the credit policy, (iii) reviewed environmental reporting, Flood Certification, and Evidence of Insurance to confirm accuracy and adherence to credit policy requirements, (iv) reviewed 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, (v) reviewed 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, (vi) reviewed 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), (vii) reviewed 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, (viii) confirmed, if applicable, business license(s) and P&L's are present, valid, and adhere to credit policy requirements, (ix) confirmed, if applicable, second mortgage documents are present, valid, align with approved terms amounts, and adhere to credit policy requirements, (x) reviewed 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 (xi) reviewed 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 (xii) verified 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, (xiii) compared 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, (xv) documented any non-approved credit policy exceptions and/or inconsistencies and reporting and/or marking such items for further dialogue, (xvi) gathered the components of the DSCR from source documentation provided in the loan file during the course of the review. Where applicable, Infinity 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.

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

Infinity conducted a review of the value of the underlying collateral at the time of its initial review for six (6) mortgage loans. For these six (6) mortgage loans, Infinity reviewed the mortgage loans to ensure the value of the collateral securing the assets met applicable underwriting guidelines. Forty-five (45) loans were not subject to a property review and did not receive a property grade.

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Infinity'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. Infinity'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 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.

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

Other aspects of Infinity'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 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 Infinity or if it was not directly accessible that another valuation product that was directly accessible to Infinity was ordered in accordance with the Client's specific valuation waterfall process.

If more than one valuation was provided, Infinity confirmed consistency among the valuation products and if there were discrepancies that could not be resolved, Infinity created an exception and worked with the client on the next steps which may include the ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property valuation products included in Infinity's review resulted in a variance of more than 10% then the client was notified of such variance and a second independent valuation product was ordered.

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

Infinity completed a Compliance Review on thirty (30) mortgage loans. Twenty-one (21) loans were not subject to a compliance review but are graded A for compliance as they were confirmed to be exempt with no consumer purpose. Please be advised that Infinity 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 Infinity are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which Infinity is relying in reaching such findings.

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Please be further advised that Infinity does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Infinity do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Infinity. Information contained in any Infinity 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 Infinity 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 Infinity 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. Infinity does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by Infinity.

Infinity 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):</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.

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&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>Tolerances (§§1026.18, 22 and 23):</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.

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

&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;e) <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.

&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> 

&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, Infinity 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, Infinity'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;g) <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;h) <u>Mandatory Arbitration Clauses (§1026.36):</u> 

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

&nbsp;&nbsp;&nbsp;&nbsp;i) <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.

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

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

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

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

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

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

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

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

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

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

iii) confirm that certain sections of each LE determined to carry assignee liability 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 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);

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;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 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

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vii) with respect to applicable exception remediation measures for numerical exceptions, confirm that a letter of explanation, as well as a refund as applicable, was delivered or placed in the mail no later than 60 days after discovery of the exception establishing the need for a revised CD or with respect to exception remediation measures for non-numerical exceptions, that a corrected CD was delivered or placed in the mail no later than 60 days after consummation. (In an attempt to establish a best practices approach to pre-securitization due diligence, as it applies to TILA RESPA Integrated Disclosure testing, the Structured Finance Industry Group ("SFIG") has a working group that consists of industry participants including third party review providers and law firms who 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 SFIG 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)).

Infinity 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). Infinity determines the mortgage loan's status under the ATR or QM rule requirements and assigns a due diligence mortgage loan designation. Generally, Infinity notes as a material exception if the due diligence findings do not confirm the originator's mortgage loan designation. Additionally, Infinity notes if an originator mortgage loan designation was not provided.

<u>Qualified Mortgage</u>

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

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If a mortgage loan was designated as QM and identified as eligible for guarantee, purchase, or insurance by an applicable agency as permitted under the QM final rule, Infinity reviews the mortgage loan to determine whether, based on available information in the file, if the mortgage loan satisfied (i), (ii) and (iii) in the preceding paragraph. In addition, Infinity 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, Infinity then determines whether the mortgage loan is a Safe Harbor QM or Higher Priced QM by comparing the mortgage loan's actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage. The Review also includes determining, as applicable, whether a mortgage loan is a qualified mortgage as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.). For each QM designated mortgage loan that does not satisfy the applicable requirements enumerated above, Infinity 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>

Infinity 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.

Infinity 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"). Infinity 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. Infinity's review is based on information contained in the mortgage loan file at the time it is provided to Infinity 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.

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**(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**

Infinity 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 Infinity reviewed the mortgage loans and thus have not yet been recorded. Infinity verified that documents in the 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, Infinity will analyze and capture data from the source documents identified in the Document Review below, as applicable.

**(XI) FIRREA Review**

Infinity confirmed that the appraiser and the appraisal made by such appraiser both satisfied the pr 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, Infinity 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**

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

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

■ Underwriting summary / loan approval (1008);

■ Credit report;

■ Income and employment documentation;

■ 4506T;

■ Asset documentation;

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

■ Hazard and/or flood insurance policies;

■ Copy of note for any junior liens;

■ Appraisal;

■ Title/Preliminary Title;

■ Final 1003;

■ Changed circumstance documentation;

■ Right of Rescission Disclosure;

■ Mortgage/Deed of Trust;

■ Note;

■ Mortgage Insurance;

■ Tangible Net Benefit Disclosure;

■ Subordination Agreement;

■ FACTA disclosures;

■ Notice of Special Flood Hazards;

■ Initial and final GFE's;

■ HUD from sale of previous residence;

■ Final HUD-1;

■ Initial TIL;

■ Final TIL;

■ Loan Estimates;

■ Closing Disclosures; and

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

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**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW**

The nationally recognized statistical rating organization ("NRSRO") criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs listed in Item 3 of the ABS Due Diligence 15E, DBRS, Inc. ("DBRS") and S&P Global Ratings ("S&P").

**OVERALL RESULTS SUMMARY (51 MORTGAGE LOANS)**

Infinity's review to NRSRO grading requirements covers fifty-one (51) mortgage loans. Within those mortgage loans, Infinity graded forty-one (41) mortgage loans as "A" and ten (10) mortgage loans as "B".

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|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**DBRS Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** |
| &nbsp;&nbsp;**DBRS Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;51 | &nbsp;&nbsp;41 | &nbsp;&nbsp;6 | &nbsp;&nbsp;41 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |

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|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**DBRS Grade** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;**DBRS Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;80.39% | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;80.39% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;19.61% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;19.61% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**S&P Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** |
| &nbsp;&nbsp;**S&P Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;51 | &nbsp;&nbsp;41 | &nbsp;&nbsp;6 | &nbsp;&nbsp;41 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0<br>|

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**S&P Grade** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;**S&P Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;80.39% | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;80.39% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;19.61% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;19.61% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |

---

---

| | |
|:---|:---|
| 16 | &nbsp;&nbsp;P a g e |

---

![](ex994001.jpg)

**TAPE INTEGRITY REVIEW RESULTS SUMMARY (51 MORTGAGE LOANS)**

Of the fifty-one (51) mortgage loans reviewed, 1 (1.96%) mortgage loan had tape discrepancies across one (1) unique data field.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**# of Variances** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;51 | &nbsp;&nbsp;1.96% |

---

**ADDITIONAL LOAN POPULATION SUMMARY (51 MORTGAGE LOANS)**

\* Total may not sum to total due to rounding.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original**<br> **Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;51 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$20872100.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**51** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$20872100.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original**<br> **Balance** |
| &nbsp;&nbsp;2 | &nbsp;&nbsp;51 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$20872100.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**51** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$20872100.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original**<br> **Balance** |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;9 | &nbsp;&nbsp;17.65% | &nbsp;&nbsp;$3574400.00 | &nbsp;&nbsp;17.13% |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown purpose | &nbsp;&nbsp;39 | &nbsp;&nbsp;76.47% | &nbsp;&nbsp;$15677700.00 | &nbsp;&nbsp;75.11% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.96% | &nbsp;&nbsp;$480000.00 | &nbsp;&nbsp;2.30% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;2 | &nbsp;&nbsp;3.92% | &nbsp;&nbsp;$1140000.00 | &nbsp;&nbsp;5.46% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**51** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$20872100.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Amortization Term** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original**<br> **Balance** |
| &nbsp;&nbsp;240 Months | &nbsp;&nbsp;2 | &nbsp;&nbsp;3.92% | &nbsp;&nbsp;$1250000.00 | &nbsp;&nbsp;5.99% |
| &nbsp;&nbsp;360 Months | &nbsp;&nbsp;49 | &nbsp;&nbsp;96.08% | &nbsp;&nbsp;$19622100.00 | &nbsp;&nbsp;94.01% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**51** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$20872100.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original**<br> **Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;30 | &nbsp;&nbsp;58.82% | &nbsp;&nbsp;$12542900.00 | &nbsp;&nbsp;60.09% |
| &nbsp;&nbsp;Investor | &nbsp;&nbsp;21 | &nbsp;&nbsp;41.18% | &nbsp;&nbsp;$8329200.00 | &nbsp;&nbsp;39.91% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**51** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$20872100.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | |
|:---|:---|
| 17 | &nbsp;&nbsp;P a g e |

---

![](ex994001.jpg)

**EXHIBIT A**

---

| |
|:---|
| &nbsp;&nbsp;**Guidelines** |
| &nbsp;&nbsp;VPM_Loan_Eligibility_Guidelines_Equity Solutions_20250910.pdf |
| &nbsp;&nbsp;VPM_Loan_Eligibility_Guidelines_Equity Solutions_20251202.pdf |

---

---

| | |
|:---|:---|
| 18 | &nbsp;&nbsp;P a g e |

---

## Exhibit 99.4

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.4 - Schedule 1**

---

| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redacted ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** | **Initial Property Loan Grades DBRS** | **Initial Property Loan Grades Fitch** | **Initial Property Loan Grades Kroll** | **Initial Property Loan Grades Moody's** | **Initial Property Loan Grades S&P** | **Final Property Loan Grades DBRS** | **Final Property Loan Grades Fitch** | **Final Property Loan Grades Kroll** | **Final Property Loan Grades Moody's** | **Final Property Loan Grades S&P** |
| xxx | 59433293 |  |  | xxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 55905251 |  |  | xxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 52693735 |  |  | xxx D A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| xxx | 51694971 |  |  | xxx A | A | A | A | A | A | A | A | A | A | A |
| xxx | 52561471 |  |  | xxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 59864647 |  |  | xxx D A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| xxx | 53558214 |  |  | xxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 52380797 |  |  | xxx B A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A B |
| xxx | 54225366 |  |  | xxx C A | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| xxx | 54897329 |  |  | xxx A | A | A | A | A | A | A | A | A | A | A |
| xxx | 53645686 |  |  | xxx B C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| xxx | 58832602 |  |  | xxx B A | A | A | A | A | A B | A | A | A | A | A B |
| xxx | 50631508 |  |  | xxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 51320824 |  |  | xxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 57595336 |  |  | xxx A C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| xxx | 50208182 |  |  | xxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 52149355 |  |  | xxx D C | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| xxx | 55622235 |  |  | xxx A | A | A | A | A | A | A | A | A | A | A |
| xxx | 54580126 |  |  | xxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 58643644 |  |  | xxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 50159831 |  |  | xxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 59195538 |  |  | xxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 50649518 |  |  | xxx B C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| xxx | 51451496 |  |  | xxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 51855347 |  |  | xxx D A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| xxx | 51704886 |  |  | xxx D A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| xxx | 53302289 |  |  | xxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 50831780 |  |  | xxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 54845419 |  |  | xxx B A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A B |
| xxx | 56244896 |  |  | xxx D A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| xxx | 50679031 |  |  | xxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 51074652 |  |  | xxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 52208588 |  |  | xxx D A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| xxx | 55521458 |  |  | xxx C D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| xxx | 56068009 |  |  | xxx A D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| xxx | 51737022 |  |  | xxx B A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A B |
| xxx | 53012218 |  |  | xxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 53258529 |  |  | xxx B A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A B |
| xxx | 55696535 |  |  | xxx B A | N/A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A | N/A B |
| xxx | 52382929 |  |  | xxx A | A | A | A | A | A | A | A | A | A | A |
| xxx | 53707220 |  |  | xxx C A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| xxx | 51972058 |  |  | xxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 50789922 |  |  | xxx D A | N/A | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A | N/A B |
| xxx | 54137806 |  |  | xxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 53367131 |  |  | xxx A | A | A | A | A | A | A | A | A | A | A |
| xxx | 52602220 |  |  | xxx D A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| xxx | 52135113 |  |  | xxx D A | N/A | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A | N/A B |
| xxx | 51417497 |  |  | xxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 51577746 |  |  | xxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| xxx | 55180234 |  |  | xxx D A | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| xxx | 51882169 |  |  | xxx A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |

---

## Exhibit 99.4

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.4 - Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redacted ID** | **Seller Loan ID** | **Investor Loan ID** | **Property Initial Loan Grade** | **Property Current/Final Loan Grade** | **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?** |
| xxx | 59433293 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |
| xxx | 55905251 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Home Improvement/Reno |  |  |
| xxx | 52693735 |  | D A | N/A | N/A | Closed | FCRE1174 | 2026-01-07 12:08 | 2026-01-08 19:17 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | HO6 Master Insurance Policy is Partial | Resolved-Resolved - 01/08/2026 - HO6 Document Received. - Due Diligence Vendor-01/09/2026 <br> Ready for Review-Document Uploaded. HOI w/both 1st and 2nd mortgagee clauses included attached. Please clear condition. - Seller-01/08/2026 <br> Open-Missing required 1st and 2nd lien mortgagee on HO6 Policy. File contains HO6 policy with xxx as Mortgagee. 1st lien is currently with xxx which is not reflected. Both mortgagee clause needs to be evident on second Mortgage loan - Due Diligence Vendor-01/07/2026 | Ready for Review-Document Uploaded. HOI w/both 1st and 2nd mortgagee clauses included attached. Please clear condition. - Seller-01/08/2026<br>| Resolved-Resolved - 01/08/2026 - HO6 Document Received. - Due Diligence Vendor-01/09/2026<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 - 20.26 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.67 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 - 30 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.56 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 20.17% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| xxx | 51694971 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |
| xxx | 52561471 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |
| xxx | 59864647 |  | D A | N/A | N/A | Closed | FCRE7347 | 2026-02-09 07:59 | 2026-02-11 10:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Resolved - 02/11/2026 - Short Term Rental Documents received for the subject property. - Due Diligence Vendor-02/11/2026 <br>Ready for Review-Document Uploaded. Please reference Short Term Leases in our guides and see attached :) - Seller-02/10/2026 <br>Open-Missing Lease Agreement for 4 Unit property. - Due Diligence Vendor-02/09/2026 | Ready for Review-Document Uploaded. Please reference Short Term Leases in our guides and see attached :) - Seller-02/10/2026<br>| Resolved-Resolved - 02/11/2026 - Short Term Rental Documents received for the subject property. - Due Diligence Vendor-02/11/2026<br>|  |  | STR Stmts.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| xxx | 53558214 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |
| xxx | 52380797 |  | B A | N/A | N/A | Closed | FCRE1441 | 2026-01-07 15:35 | 2026-01-07 15:35 | Waived | 2 - Non-Material B | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Waived-Delinquent Credit History Does Not Meet Guideline Requirements Requesting exception to proceed with excluding xxx Auto Lease payment of xxx from DTI with supporting documentation in file. - Due Diligence Vendor-01/07/2026 |  | Waived-Delinquent Credit History Does Not Meet Guideline Requirements Requesting exception to proceed with excluding xxx Auto Lease payment of xxx from DTI with supporting documentation in file. - Due Diligence Vendor-01/07/2026 | 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 16.79 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 - 27.95 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 - 27.94 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xxx 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 xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | Payment is being paid by Company, fully supported by P&L Auto Expense of xxx / 12 = xxx. Borrower provided 12 month transaction history from CPA's xxx, confirming payment being made from xxx along with email from xxx Senior Client Officer with 7 month transaction history stating their database can only go back to xxx and further supported by email from CPA to Bank requesting the last 12 months xxx payments from xxx's business checking account stating she only has xxx and not a direct login with the bank. In order to limit further client impact, UW requesting to proceed with using 12-month xxx transaction history, plus last 7 months provided directly from Bank Institution, and email correspondence all confirming xx payments are coming from borrowers business checking account as well as P&L evidencing payment cashflow supports removing the business debt from obligations. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes |
| xxx | 54225366 |  | C B A | N/A | N/A | Closed | FCRE1254 | 2026-01-07 12:57 | 2026-01-08 19:20 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Resolved - 01/08/2026 - Grant Deed Received. - Due Diligence Vendor-01/09/2026 <br> Ready for Review-Document Uploaded. - Seller-01/08/2026 <br> Open-Property Title Issue Title is currently vested in xxx and xxx; however, a Quit Claim Deed or Warranty Deed conveying full interest to xxx is missing. - Due Diligence Vendor-01/07/2026 | Ready for Review-Document Uploaded. - Seller-01/08/2026<br>| Resolved-Resolved - 01/08/2026 - Grant Deed Received. - Due Diligence Vendor-01/09/2026<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 - 20.42 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 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 - 45 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.94 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 38.62% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| xxx | 54225366 |  | C B A | N/A | N/A | Closed | FCRE1195 | 2026-01-06 13:24 | 2026-01-06 13:24 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Audited CLTV of xxx exceeds Guideline CLTV of 70% Requesting an exception for the LTV at xxx due to FICO score of xxx - Due Diligence Vendor-01/06/2026 |  | Waived-Audited CLTV of xxx exceeds Guideline CLTV of 70% Requesting an exception for the LTV at xxx due to FICO score of xxx - Due Diligence Vendor-01/06/2026 | 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 - 20.42 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 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 - 45 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.94 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 38.62% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | Low DTI<br> 15 months reserves/0 required<br> Fico xxx need 700<br> Established business 45 years |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes |
| xxx | 54225366 |  | C B A | N/A | N/A | Closed | FCRE1196 | 2026-01-06 13:24 | 2026-01-06 13:24 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-Audited HCLTV of xxx exceeds Guideline HCLTV of 70% Requesting an exception for the LTV at xxx due to FICO score of xxx - Due Diligence Vendor-01/06/2026 |  | Waived-Audited HCLTV of xxx exceeds Guideline HCLTV of 70% Requesting an exception for the LTV at xxx due to FICO score of xxx - Due Diligence Vendor-01/06/2026 | 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 - 20.42 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 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 - 45 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.94 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 38.62% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | Low DTI<br> 15 months reserves/0 required<br> Fico xxx need 700<br> Established business 45 years |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes |
| xxx | 54897329 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |
| xxx | 53645686 |  | C A B | N/A | N/A | Closed | FCRE1183 | 2026-01-13 10:08 | 2026-04-03 20:26 | 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-04/04/2026 <br> Resolved-Resolved-01/16/2026- updated 1008 document received. - Due Diligence Vendor-01/16/2026 <br> Ready for Review-Document Uploaded. - Seller-01/15/2026 <br> Open-1008/Underwriting Summary Partially Provided The audited Housing Expense Ratio 33.22% and DTI 38.90% do not match the Form 1008, which shows 21.003% and 27.413%. This is because the first mortgage payment of xxx for the subject property was not included, and the rental property tax was calculated monthly instead of annually "the correct monthly amount is xxx, not xxx". Please provide an updated Form 1008 with the correct ratios and first mortgage P&I included. - Due Diligence Vendor-01/13/2026 | Ready for Review-Document Uploaded. - Seller-01/15/2026<br>| Resolved-1008/Underwriting Summary is fully present - Due Diligence Vendor-04/04/2026 <br>Resolved-Resolved-01/16/2026- updated 1008 document received. - Due Diligence Vendor-01/16/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.9% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 61.58 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| xxx | 53645686 |  | C A B | N/A | N/A | Closed | FCOM4227 | 2026-01-13 13:29 | 2026-01-20 17:30 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-Resolved 01/20/2026: Received revised Closing Disclosure dated xxx and exception is cleared. - Due Diligence Vendor-01/20/2026 <br> Ready for Review-Document Uploaded. - Seller-01/20/2026 <br> Open-\*\*\*The Revised Closing Disclosure dated xxx, which is required by the borrower due to the loan amount change broker fee, origination points and settlement charges updated, change of circumstance form on page #80. - Due Diligence Vendor-01/15/2026 | Ready for Review-Document Uploaded. - Seller-01/20/2026<br>| Resolved-Resolved 01/20/2026: Received revised Closing Disclosure dated xxx and exception is cleared. - Due Diligence Vendor-01/20/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.9% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 61.58 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| xxx | 58832602 |  | B A | A | A | Closed | FCRE1200 | 2026-01-28 05:51 | 2026-01-28 05:51 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Audited Loan Amount of xxx is less than the Guideline Minimum Loan Amount of 200000 Loan amount of xxx Minimum $200,000.00 - Due Diligence Vendor-01/28/2026 |  | Waived-Audited Loan Amount of xxx is less than the Guideline Minimum Loan Amount of 200000 Loan amount of xxx Minimum $200,000.00 - Due Diligence Vendor-01/28/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 67.9 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months | \* Credit score xxx minimum required 700<br> \* 27 months reserves |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes |
| xxx | 50631508 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Home Improvement/Reno |  |  |
| xxx | 51320824 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| xxx | 57595336 |  | C A | N/A | N/A | Closed | finding-3721 | 2026-01-23 17:29 | 2026-01-27 09:32 | Resolved | 1 - Information C A | Compliance | TRID | TILA Post-Consummation Revised Closing Disclosure Foreclosure Rescission Finance Charge Test | Resolved-Resolved 01/27/2026: Title - Escrow Fee xxx Considered as Non-APR fee and exception was cleared. - Due Diligence Vendor-01/27/2026 <br> Resolved- - Due Diligence Vendor-01/27/2026 <br> Ready for Review-Document Uploaded. - Seller-01/26/2026 <br> Open-\*\*\*Calculated finance charge of xxx exceeds lender's disclosed finance charge of xxx by xxx. Lender to provide final compliance testing results with finance charge calculations <br> - Due Diligence Vendor-01/23/2026 <br> Open-\*\*\*Calculated finance charge of xxx exceeds lender's disclosed finance charge of xxx by xxx. Lender to provide final compliance testing results with finance charge calculations <br> - 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 xxx. The disclosed finance charge of xxx is not considered accurate for purposes of rescission because it is understated by more than xxx. - Due Diligence Vendor-01/23/2026 | Ready for Review-Document Uploaded. - Seller-01/26/2026<br>| Resolved-Resolved 01/27/2026: Title - Escrow Fee xxx Considered as Non-APR fee and exception was cleared. - Due Diligence Vendor-01/27/2026 <br> Resolved- - Due Diligence Vendor-01/27/2026 | 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 - 26.05 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.33 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 xxx Is Below the Guideline Maximum Of 75% 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 - 30 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 |  | Compliance Report.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| xxx | 57595336 |  | C A | N/A | N/A | Closed | finding-3719 | 2026-01-23 17:29 | 2026-01-27 09:31 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | TILA Post-Consummation Revised Closing Disclosure Finance Charge Test | Resolved-Resolved 01/27/2026: Title - Escrow Fee xxx Considered as Non-APR fee and exception was cleared. - Due Diligence Vendor-01/27/2026 <br> Resolved- - Due Diligence Vendor-01/27/2026 <br> Ready for Review-Document Uploaded. - Seller-01/26/2026 <br> Open-This loan failed the TILA finance charge test.(12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1))The finance charge is xxx. The disclosed finance charge of xxx is not considered accurate because it is understated by more than xxx. - Due Diligence Vendor-01/23/2026 | Ready for Review-Document Uploaded. - Seller-01/26/2026<br>| Resolved-Resolved 01/27/2026: Title - Escrow Fee xxx Considered as Non-APR fee and exception was cleared. - Due Diligence Vendor-01/27/2026 <br> Resolved- - Due Diligence Vendor-01/27/2026 | 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 - 26.05 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.33 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 xxx Is Below the Guideline Maximum Of 75% 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 - 30 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 |  | Compliance Report.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| xxx | 57595336 |  | C A | N/A | N/A | Closed | finding-47 | 2026-01-22 17:09 | 2026-01-23 17:38 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Resolved 01/23/2026: Received PCCD with funding date xxx and exception was cleared.<br> - Due Diligence Vendor-01/23/2026 <br> Resolved- - Due Diligence Vendor-01/23/2026 <br> Ready for Review-Document Uploaded. - Seller-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. \*\*\*\*The Final CD shows a funding date of xxx - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date.<br> - Due Diligence Vendor-01/23/2026 <br> Open- - Due Diligence Vendor-01/23/2026 <br> Open- - Due Diligence Vendor-01/22/2026 <br> Open- - Due Diligence Vendor-01/22/2026 | Ready for Review-Document Uploaded. - Seller-01/23/2026<br>| Resolved-Resolved 01/23/2026: Received PCCD with funding date xxx and exception was cleared.<br> - Due Diligence Vendor-01/23/2026 <br> Resolved- - Due Diligence Vendor-01/23/2026 | 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 - 26.05 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28.33 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 xxx Is Below the Guideline Maximum Of 75% 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 - 30 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 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| xxx | 50208182 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Home Improvement/Reno |  |  |
| xxx | 52149355 |  | D A C | N/A | N/A | Closed | FCRE7347 | 2026-02-06 04:22 | 2026-02-09 17:20 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Resolved - 02/09/2026 - Lease Agreement Document Received. - Due Diligence Vendor-02/09/2026 <br> Ready for Review-Document Uploaded. Lease attached, please clear condition - Seller-02/09/2026 <br> Open-Missing lease agreement for the property at xxx. required to calculate rental income. - Due Diligence Vendor-02/06/2026 | Ready for Review-Document Uploaded. Lease attached, please clear condition - Seller-02/09/2026<br>| Resolved-Resolved - 02/09/2026 - Lease Agreement Document Received. - Due Diligence Vendor-02/09/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.73 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 - 11.08 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.1% 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 - 11.07 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 29 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| xxx | 55622235 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| xxx | 54580126 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| xxx | 58643644 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |
| xxx | 50159831 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |
| xxx | 59195538 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| xxx | 50649518 |  | C B A | N/A | N/A | Closed | FCRE1183 | 2026-02-05 16:45 | 2026-02-09 12:35 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Approval/Underwriting Summary Partially Provided | Resolved-Resolved - 02/09/2026 - Updated 1008 document received. - Due Diligence Vendor-02/09/2026 <br>Ready for Review-Document Uploaded. Corrected 1003 and 1008 attached. Please clear condition - Seller-02/06/2026 <br>Open-1008/Underwriting Summary Partially Provided DTI is getting varied because the lender counted the tax and insurance escrow amounts twice. Provide updated 1008. - Due Diligence Vendor-02/05/2026 | Ready for Review-Document Uploaded. Corrected 1003 and 1008 attached. Please clear condition - Seller-02/06/2026<br>| Resolved-Resolved - 02/09/2026 - Updated 1008 document received. - Due Diligence Vendor-02/09/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.69% 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 - 15.08 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xxx Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.55 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| xxx | 50649518 |  | C B A | N/A | N/A | Closed | finding-47 | 2026-02-06 00:08 | 2026-02-09 08:54 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Resolved 02/09/2026: Received PCCD with funding date xxx and exception was cleared.<br> - Due Diligence Vendor-02/09/2026 <br> Resolved- - Due Diligence Vendor-02/09/2026 <br> Resolved- - Due Diligence Vendor-02/09/2026 <br> Ready for Review-Document Uploaded. - Seller-02/06/2026 <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 xxx - which is prior to the conclusion of borrower(s) 3 day rescission period. Lender to provide confirmation of accurate funding/disbursement date.<br> - Due Diligence Vendor-02/06/2026 <br> Open- - Due Diligence Vendor-02/06/2026 <br> Open- - Due Diligence Vendor-02/06/2026 <br> Open- - Due Diligence Vendor-02/06/2026 | Ready for Review-Document Uploaded. - Seller-02/06/2026<br>| Resolved-Resolved 02/09/2026: Received PCCD with funding date xxx and exception was cleared.<br> - Due Diligence Vendor-02/09/2026 <br> Resolved- - 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 - 13 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.69% 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 - 15.08 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xxx Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.55 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | PCCD.pdf<br>FSS.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| xxx | 50649518 |  | C B A | N/A | N/A | Closed | FCRE1437 | 2026-02-05 14:10 | 2026-02-05 14:10 | Waived | 2 - Non-Material B | Credit | Income | Income and Employment Do Not Meet Guidelines | Waived-Income and Employment Do Not Meet Guidelines allow for use of 1 month receipt of rent at xxx/mo + security deposit at xxx in lieu of 2 months receipt of monthly rent as required per guidelines. - Due Diligence Vendor-02/05/2026 |  | Waived-Income and Employment Do Not Meet Guidelines allow for use of 1 month receipt of rent at xxx/mo + security deposit at xxx in lieu of 2 months receipt of monthly rent as required per guidelines. - Due Diligence Vendor-02/05/2026 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.69% 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 - 15.08 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xxx Is Below the Guideline Maximum Of 85% By Ten Percent (10%) or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11.55 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months | FICO-xxx<br> CLTV-xxx |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes |
| xxx | 51451496 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| xxx | 51855347 |  | D A | N/A | N/A | Closed | FCRE1503 | 2026-01-27 09:41 | 2026-01-28 17:17 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Resolved - 01/28/2026 - Mortgage Statement Received. - Due Diligence Vendor-01/28/2026 <br> Ready for Review-Document Uploaded. - Seller-01/28/2026 <br> Counter-Not Resolved - 01/28/2026 - Please provide the mortgage statement or prior note to verify the senior lien interest rate in Title Screen. - Due Diligence Vendor-01/28/2026 <br> Ready for Review-Document Uploaded. - Seller-01/27/2026 <br> Open-Mortgage Statement Missing For Add xxx. - Due Diligence Vendor-01/27/2026 | Ready for Review-Document Uploaded. - Seller-01/28/2026 <br>Ready for Review-Document Uploaded. - Seller-01/27/2026<br>| Resolved-Resolved - 01/28/2026 - Mortgage Statement Received. - Due Diligence Vendor-01/28/2026<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xxx 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 11.75 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 22.73% 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 - 7.08 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 - 30.08 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 - 18.03 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| xxx | 51704886 |  | D A | N/A | N/A | Closed | FCRE1118 | 2026-01-14 12:53 | 2026-01-22 17:24 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Deed of Trust Signature does not match Note | Resolved-Resolved - 01/22/2026 - xxx signed the Deed of Trust on behalf of the trust (being the trust owns the property), Hence the borrower signature is not Mandatory. - Due Diligence Vendor-01/22/2026 <br> Ready for Review-Document Uploaded. - Seller-01/22/2026 <br> Open-Borrower 1 Signature does not match Note Borrower 1 did not sign the Deed of Trust, and Borrower 1's name does not appear in the Deed of Trust. Please provide the updated Deed of Trust. - Due Diligence Vendor-01/14/2026 | Ready for Review-Document Uploaded. - Seller-01/22/2026<br>| Resolved-Resolved - 01/22/2026 - xxx signed the Deed of Trust on behalf of the trust (being the trust owns the property), Hence the borrower signature is not Mandatory. - Due Diligence Vendor-01/22/2026 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.67 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 15.14% 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 23.74 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 xxx 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 - 14.95 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 - 23.42 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| xxx | 51704886 |  | D A | N/A | N/A | Closed | INFI1418 | 2026-01-15 03:25 | 2026-01-16 10:17 | Resolved | 1 - Information C A | Credit | Borrower | Letter of explanation needed for the file | Resolved-Resolved-01/16/2026- Payoff and credit supplement document received. - Due Diligence Vendor-01/16/2026 <br> Ready for Review-Document Uploaded. UW conditioned for evidence xxx payment was made and we received Credit Supplement verifying xxx payment made which indicated "Verified per attached document, Last Payment received xxx, xxx" and attached document was the mtg payoff stmt to verify xxx payment was made but mortgage was not paid off. Please clear condition. - Seller-01/15/2026 <br> Open-As per the payoff statement on page 228, the borrower attempted to pay off the current lien on the property located at xxx, and the lender has considered PITIA for the corresponding property in the DTI calculation. Please provide a Letter of Explanation confirming the payoff. Additionally, the mortgage statement, property tax documentation, and homeowner's insurance (HOI) are missing from the file and must be provided. - Due Diligence Vendor-01/15/2026 | Ready for Review-Document Uploaded. UW conditioned for evidence xxx payment was made and we received Credit Supplement verifying xxx payment made which indicated "Verified per attached document, Last Payment received xxx" and attached document was the mtg payoff stmt to verify xxx payment was made but mortgage was not paid off. Please clear condition. - Seller-01/15/2026 | Resolved-Resolved-01/16/2026- Payoff and credit supplement document received. - Due Diligence Vendor-01/16/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.67 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 15.14% 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 23.74 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 Xxx 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 - 14.95 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 - 23.42 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| xxx | 51704886 |  | D A | N/A | N/A | Closed | FCRE1503 | 2026-01-14 14:21 | 2026-01-16 10:12 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Resolved-01/16/2026- Mortgage document received. - Due Diligence Vendor-01/16/2026 <br> Ready for Review-Document Uploaded. - Seller-01/15/2026 <br> Open-Mortgage statement missing for properties<br> 1 .xxx<br> 2. xxx - Due Diligence Vendor-01/14/2026 | Ready for Review-Document Uploaded. - Seller-01/15/2026<br>| Resolved-Resolved-01/16/2026- Mortgage document received. - Due Diligence Vendor-01/16/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.67 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 15.14% 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 23.74 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 xxx 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 - 14.95 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 - 23.42 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| xxx | 51704886 |  | D A | N/A | N/A | Closed | FCRE7497 | 2026-01-14 14:22 | 2026-01-16 10:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Resolved-01/16/2026- HOI and Taxes Documents received. - Due Diligence Vendor-01/16/2026 <br> Ready for Review-Document Uploaded. - Seller-01/15/2026 <br> Open-Tax & Insurance documents missing for property xxx - Due Diligence Vendor-01/14/2026 | Ready for Review-Document Uploaded. - Seller-01/15/2026<br>| Resolved-Resolved-01/16/2026- HOI and Taxes Documents received. - Due Diligence Vendor-01/16/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.67 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 15.14% 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 23.74 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 xxx 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 - 14.95 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 - 23.42 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| xxx | 53302289 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| xxx | 50831780 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| xxx | 54845419 |  | B A | N/A | N/A | Closed | FCRE1437 | 2026-01-20 09:20 | 2026-01-20 09:20 | Waived | 2 - Non-Material B | Credit | Income | Income and Employment Do Not Meet Guidelines | Waived-Income and Employment Do Not Meet Guidelines Borrowers has 15 OD's all within 2025 - Due Diligence Vendor-01/20/2026 |  | Waived-Income and Employment Do Not Meet Guidelines Borrowers has 15 OD's all within 2025 - Due Diligence Vendor-01/20/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.08% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 25.4 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 - 13.21 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 - 13.21 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 - 13.21 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | 25 months in reserves (proceeds)<br> Fico xxx required 720<br> Established business 13 years<br> Low DTI |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes |
| xxx | 56244896 |  | D A | N/A | N/A | Closed | FCRE1158 | 2026-01-27 10:15 | 2026-01-30 17:43 | Resolved | 1 - Information D A | Credit | Missing Doc - Insurance | Hazard Insurance Policy is Partial | Resolved-Resolved - 01/30/2026 - Hazard Insurance Document Received with required Information. - Due Diligence Vendor-01/30/2026 <br>Ready for Review-Document Uploaded. EOI w/1st mtg clause included attached. Please clear condition - Seller-01/30/2026 <br>Open- Hazard Insurance Policy Partially Provided - Document is incomplete or missing required policy information. Subject loan is 2nd lien . HOI document contains only current mortgage clause. As per guidelines both mortgage clause has to been present on HOI document . - Due Diligence Vendor-01/27/2026 | Ready for Review-Document Uploaded. EOI w/1st mtg clause included attached. Please clear condition - Seller-01/30/2026<br>| Resolved-Resolved - 01/30/2026 - Hazard Insurance Document Received with required Information. - Due Diligence Vendor-01/30/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.73 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 - 6.96 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| xxx | 50679031 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |
| xxx | 51074652 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |
| xxx | 52208588 |  | D A | N/A | N/A | Closed | FCRE7497 | 2026-02-06 08:54 | 2026-02-09 13:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Resolved - 02/09/2026 - LOE document received for the HOA amount. - Due Diligence Vendor-02/09/2026 <br> Ready for Review-Document Uploaded. - Seller-02/09/2026 <br> Open-Evidence of HOA Assessment for the property xxx is missing - Due Diligence Vendor-02/06/2026 | Ready for Review-Document Uploaded. - Seller-02/09/2026<br>| Resolved-Resolved - 02/09/2026 - LOE document received for the HOA amount. - Due Diligence Vendor-02/09/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 40.72 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 xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 18.13% 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 0.11 |  | Signed LOE - HOA pg. 4.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A |
| xxx | 55521458 |  | D A C | N/A | N/A | Closed | FCOM1477 | 2026-02-10 15:31 | 2026-02-11 12:24 | Resolved | 1 - Information D A | Compliance | Missing Doc - Rate Lock | Missing evidence of rate lock | Resolved-Resolved 02/11/2026: Received Revised Loan Estimate and exception was cleared. - Due Diligence Vendor-02/11/2026 <br>Ready for Review-Document Uploaded. - Seller-02/10/2026 <br>Open-• 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. <br> - Due Diligence Vendor-02/10/2026 | Ready for Review-Document Uploaded. - Seller-02/10/2026<br>| Resolved-Resolved 02/11/2026: Received Revised Loan Estimate and exception was cleared. - Due Diligence Vendor-02/11/2026<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xxx 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 - 14.18 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.58% 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 14.93 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 - 30 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.17 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| xxx | 55521458 |  | D A C | N/A | N/A | Closed | FCOM1252 | 2026-02-09 13:25 | 2026-02-11 12:23 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-Resolved 02/11/2026: Received Revised Loan Estimate dated xxx and exception was cleared. - Due Diligence Vendor-02/11/2026 <br> Ready for Review-Document Uploaded. - Seller-02/10/2026 <br> Open-COC Provided date as xxx on page# 320 however LE/CD Missing on the Loan Package. - Due Diligence Vendor-02/09/2026 | Ready for Review-Document Uploaded. - Seller-02/10/2026<br>| Resolved-Resolved 02/11/2026: Received Revised Loan Estimate dated xxx and exception was cleared. - Due Diligence Vendor-02/11/2026 | Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xxx 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 - 14.18 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.58% 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 14.93 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 - 30 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.17 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| xxx | 55521458 |  | D A C | N/A | N/A | Closed | finding-3939 | 2026-02-09 13:27 | 2026-02-11 12:22 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-Resolved 02/11/2026: Received Revised Loan Estimate and exception was cleared. - Due Diligence Vendor-02/11/2026 <br> Resolved- - Due Diligence Vendor-02/11/2026 <br> Ready for Review-Document Uploaded. - Seller-02/10/2026 <br> Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxx, xxx and xxx. - Due Diligence Vendor-02/09/2026 <br> Open- - Due Diligence Vendor-02/09/2026 | Ready for Review-Document Uploaded. - Seller-02/10/2026<br>| Resolved-Resolved 02/11/2026: Received Revised Loan Estimate and exception was cleared. - Due Diligence Vendor-02/11/2026<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xxx 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 - 14.18 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.58% 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 14.93 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 - 30 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.17 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| xxx | 55521458 |  | D A C | N/A | N/A | Closed | finding-3634 | 2026-02-09 13:27 | 2026-02-11 12:20 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | 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 xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-02/09/2026 <br> Open- - Due Diligence Vendor-02/09/2026 |  | Resolved- - Due Diligence Vendor-02/11/2026<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xxx 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 - 14.18 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.58% 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 14.93 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 - 30 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.17 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| xxx | 55521458 |  | D A C | N/A | N/A | Closed | finding-3631 | 2026-02-09 13:27 | 2026-02-11 12:19 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved- - Due Diligence Vendor-02/11/2026 <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-02/09/2026 <br>Open- - Due Diligence Vendor-02/09/2026 |  | Resolved- - Due Diligence Vendor-02/11/2026<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xxx 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 - 14.18 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.58% 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 14.93 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 - 30 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.17 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| xxx | 55521458 |  | D A C | N/A | N/A | Closed | finding-3632 | 2026-02-09 13:27 | 2026-02-11 12:19 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved- - Due Diligence Vendor-02/11/2026 <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-02/09/2026 <br>Open- - Due Diligence Vendor-02/09/2026 |  | Resolved- - Due Diligence Vendor-02/11/2026<br>| Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xxx 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 - 14.18 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.58% 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 14.93 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 - 30 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.17 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| xxx | 55521458 |  | D A C | N/A | N/A | Closed | FCRE1362 | 2026-02-09 06:53 | 2026-02-10 15:53 | Resolved | 1 - Information C A | Credit | Income | Borrower 2 Paystubs Less Than 1 Month Provided | Open-Borrower 2 Paystubs Less Than 1 Month Provided W-2s for most recent 1 or 2-years and current paystubs reflecting 30 days earnings - Due Diligence Vendor-02/09/2026 |  |  | Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xxx 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 - 14.18 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.58% 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 14.93 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 - 30 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.17 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| xxx | 55521458 |  | D A C | N/A | N/A | Closed | FCRE1332 | 2026-02-09 06:53 | 2026-02-10 15:53 | Resolved | 1 - Information C A | Credit | Income | Borrower 1 Paystubs Less Than 1 Month Provided | Open-Borrower 1 Paystubs Less Than 1 Month Provided W-2s for most recent 1 or 2-years and current paystubs reflecting 30 days earnings - Due Diligence Vendor-02/09/2026 |  |  | Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xxx 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 - 14.18 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.58% 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 14.93 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 - 30 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.17 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| xxx | 56068009 |  | D A | N/A | N/A | Closed | FCOM1262 | 2026-01-28 07:07 | 2026-02-05 08:55 | Resolved | 1 - Information D A | Compliance | Missing Doc - ROR | Right of Rescission is Missing | Resolved-Right of Rescission is Provided - Due Diligence Vendor-02/05/2026 <br> Resolved-Resolved 02/05/2026: Received Non Borrower "xxx" Right of Rescission and exception was cleared.<br> - Due Diligence Vendor-02/05/2026 <br> Ready for Review-Document Uploaded. - Seller-02/04/2026 <br> Open-Non Borrower "xxx" Right of Rescission missing in the loan File . - Due Diligence Vendor-01/28/2026 | Ready for Review-Document Uploaded. - Seller-02/04/2026<br>| Resolved-Right of Rescission is Provided - Due Diligence Vendor-02/05/2026 <br> Resolved-Resolved 02/05/2026: Received Non Borrower "xxx" Right of Rescission and exception was cleared.<br> - Due Diligence Vendor-02/05/2026 | Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xxx 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 35.09% 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 - 13.58 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 - 26.23 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 26.24 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| xxx | 51737022 |  | B A | N/A | N/A | Closed | FCRE1437 | 2026-03-02 14:08 | 2026-03-02 14:08 | Waived | 2 - Non-Material B | Credit | Income | Income and Employment Do Not Meet Guidelines | Waived-Income and Employment Do Not Meet Guidelines Requesting approval to use ADU rental income on primary residence subject property. Income received from AirBnb & VRBO - Due Diligence Vendor-03/02/2026 |  | Waived-Income and Employment Do Not Meet Guidelines Requesting approval to use ADU rental income on primary residence subject property. Income received from AirBnb & VRBO - Due Diligence Vendor-03/02/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.57 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 20.66 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xxx 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 | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes |
| xxx | 53012218 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| xxx | 53258529 |  | B A | N/A | N/A | Closed | FCRE1195 | 2026-02-11 13:45 | 2026-02-11 13:45 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Audited CLTV of xxx exceeds Guideline CLTV of 70% LTV exception to xxx, max is 75% - Due Diligence Vendor-02/11/2026 |  | Waived-Audited CLTV of xxx exceeds Guideline CLTV of 70% LTV exception to xxx, max is 75% - Due Diligence Vendor-02/11/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 106.25 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.32% 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 - 23 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 - 11.09 Years | Declaration page is not yet available |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Home Improvement/Reno | Originator Pre-Close | Yes |
| xxx | 53258529 |  | B A | N/A | N/A | Closed | FCRE1196 | 2026-02-11 13:45 | 2026-02-11 13:45 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-Audited HCLTV of xxx exceeds Guideline HCLTV of 70% LTV exception to xxx, max is 75% - Due Diligence Vendor-02/11/2026 |  | Waived-Audited HCLTV of xxx exceeds Guideline HCLTV of 70% LTV exception to xxx, max is 75% - Due Diligence Vendor-02/11/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 106.25 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.32% 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 - 23 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 - 11.09 Years | Declaration page is not yet available. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Home Improvement/Reno | Originator Pre-Close | Yes |
| xxx | 55696535 |  | B A | N/A | N/A | Closed | FCRE1183 | 2026-02-27 09:37 | 2026-03-03 09:31 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Approval/Underwriting Summary Partially Provided | Resolved-03/03/2026: Updated 1008 provided - Due Diligence Vendor-03/03/2026 <br>Ready for Review-Document Uploaded. - Seller-03/02/2026 <br>Open-1008/Underwriting Summary Partially Provided Final 1008 states Property type as 2- Unit but appraisal reflects One with Accessory Unit . Please provide the updated 1008. - Due Diligence Vendor-02/27/2026 | Ready for Review-Document Uploaded. - Seller-03/02/2026<br>| Resolved-03/03/2026: Updated 1008 provided - Due Diligence Vendor-03/03/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 45.84 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 xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xxx Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More |  | 1008 - Transmittal Summary.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A |
| xxx | 55696535 |  | B A | N/A | N/A | Closed | FCRE1440 | 2026-02-27 09:20 | 2026-02-27 09:20 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Housing History Does Not Meet Guideline Requirements Underwriter seeking exception to proceed with 6-month housing history gap within the last 12 months. - Due Diligence Vendor-02/27/2026 |  | Waived-Housing History Does Not Meet Guideline Requirements Underwriter seeking exception to proceed with 6-month housing history gap within the last 12 months. - Due Diligence Vendor-02/27/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 45.84 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 xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xxx Is Below the Guideline Maximum Of 80% By Ten Percent (10%) or More | Underwriter seeking exception to proceed with 6-month housing history gap within the last 12 months. <br> Borrower stayed in xxx with ill mother during xxx per rent-free letter provided and has <br> now since begun renting at primary residence as of xxx. We have 12 months prior rental history <br> confirmation from xxx; supporting borrower has 12 months housing history prior to 6-month gap <br> and we have confirmation of xxx rent payment at current primary residence. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes |
| xxx | 52382929 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Home Improvement/Reno |  |  |
| xxx | 53707220 |  | C A | N/A | N/A | Closed | FCRE1148 | 2026-02-23 13:38 | 2026-02-23 18:00 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien Loan Amount | Resolved-Supplemental title for xxx provided - Due Diligence Vendor-02/23/2026 <br> Ready for Review-Document Uploaded. - Seller-02/23/2026 <br> Open-The current title and title supplement amount reflect only xxx, which does not cover the full loan amount xxx, Kindly provide a revised title supplement that covers the entire loan amount. - Due Diligence Vendor-02/23/2026 | Ready for Review-Document Uploaded. - Seller-02/23/2026<br>| Resolved-Supplemental title for xxx provided - Due Diligence Vendor-02/23/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 39.66 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 8 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20.96 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 38.38% 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 - 20.97 Years |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A |
| xxx | 51972058 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |
| xxx | 50789922 |  | D B A | N/A | N/A | Closed | FCRE1347 | 2026-03-04 02:06 | 2026-03-13 09:08 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-03/13/2026: Resolved. Received VVOE. - Due Diligence Vendor-03/13/2026 <br>Ready for Review-Document Uploaded. - Seller-03/12/2026 <br>Counter-03/05/2026: Rejected: The document provided is not a verbal verification of employment prior to closing. Document lists start date and pay history. Need an actual verbal verification stating borrower is still employed as of date called and verified.<br> - Due Diligence Vendor-03/06/2026 <br>Rejected-03/05/2026: Rejected: The document provided is not a verbal verification of employment prior to closing. Document lists start date and pay history. - Due Diligence Vendor-03/05/2026 <br>Ready for Review-Document Uploaded. - Seller-03/05/2026 <br>Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-03/04/2026 | Ready for Review-Document Uploaded. - Seller-03/12/2026 <br>Ready for Review-Document Uploaded. - Seller-03/05/2026<br>| Resolved-03/13/2026: Resolved. Received VVOE. - Due Diligence Vendor-03/13/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.88% 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 - 33.18 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 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 - 10.16 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 30 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xxx 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 - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29.32 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| xxx | 50789922 |  | D B A | N/A | N/A | Closed | FCRE1437 | 2026-03-04 03:48 | 2026-03-04 03:48 | Waived | 2 - Non-Material B | Credit | Income | Income and Employment Do Not Meet Guidelines | Waived-Income and Employment Do Not Meet Guidelines 5 NSFs in last 12 months with 4 in Last 3 months - Due Diligence Vendor-03/04/2026 |  | Waived-Income and Employment Do Not Meet Guidelines 5 NSFs in last 12 months with 4 in Last 3 months - Due Diligence Vendor-03/04/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 44.88% 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 - 33.18 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 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 - 10.16 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 30 Years<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xxx 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 - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 29.32 Are Greater Than The Guideline Minimum Of 0 By Six (6) Or More Months | 1) Established xxx business for 15 years<br> 2) Low CLTV xxx with Max 90%<br> 3) Fico xxx w/minimum required 720 for 90% and 680 for 80% CLTV<br> 4) Residual income and 29 mos reserves w/none require |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes |
| xxx | 54137806 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |
| xxx | 53367131 |  | A | A | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |
| xxx | 52602220 |  | D A | N/A | N/A | Closed | FCRE7497 | 2026-03-05 09:06 | 2026-03-10 13:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-03/10/2026: Resolved. Mtg stmt provided and per xxx no hoa. - Due Diligence Vendor-03/10/2026 <br> Ready for Review-Document Uploaded. Mtg stmt attached showing taxes and insurance impounded on xxx and no HOA per xxx. Please review and clear added condition. - Seller-03/09/2026 <br> Counter-03/09/2026: Counter. Missing proof of taxes, insurance, hoa for xxx. - Due Diligence Vendor-03/09/2026 <br> Ready for Review-Document Uploaded. xxx and xxx Mtg Stmts attached showing impounded insurance already included in rent calculation. Please review and clear condition. - Seller-03/06/2026 <br> Open-1) Provide Hazard Insurance for the property "xxx" to calulate the rental income.<br> 2) Provide Hazard Insurance for the property "xxx" to calulate the rental income. - Due Diligence Vendor-03/05/2026 | Ready for Review-Document Uploaded. Mtg stmt attached showing taxes and insurance impounded on xxx and no HOA per xxx. Please review and clear added condition. - Seller-03/09/2026 <br> Ready for Review-Document Uploaded. xxx and xxx Mtg Stmts attached showing impounded insurance already included in rent calculation. Please review and clear condition. - Seller-03/06/2026 | Resolved-03/10/2026: Resolved. Mtg stmt provided and per xxx no hoa. - Due Diligence Vendor-03/10/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.63 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 - Verified Borrower At Current Residence For Five (5) Or More Years - 5.25 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Verified 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 - Verified Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| xxx | 52135113 |  | D B A | N/A | N/A | Closed | FCRE1347 | 2026-03-24 08:17 | 2026-03-25 10:06 | Resolved | 1 - Information D A | Credit | Missing Doc - Employment | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-03/25/2026: Received VVOE. - Due Diligence Vendor-03/25/2026 <br>Ready for Review-Document Uploaded. - Seller-03/24/2026 <br>Open-Borrower 2 3rd Party VOE Prior to Close Missing Borrower 2 VOE is missing. Please provide Borrower 2 VOE. - Due Diligence Vendor-03/24/2026 | Ready for Review-Document Uploaded. - Seller-03/24/2026<br>| Resolved-03/25/2026: Received VVOE. - Due Diligence Vendor-03/25/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xxx 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 - 10.33 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.16 Years |  | VVOE B2.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| xxx | 52135113 |  | D B A | N/A | N/A | Closed | FCRE1437 | 2026-03-24 08:17 | 2026-03-24 08:17 | Waived | 2 - Non-Material B | Credit | Income | Income and Employment Do Not Meet Guidelines | Waived-Income and Employment Do Not Meet Guidelines B1 having less 2 years self employment - Due Diligence Vendor-03/24/2026 |  | Waived-Income and Employment Do Not Meet Guidelines B1 having less 2 years self employment - Due Diligence Vendor-03/24/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xxx 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 - 10.33 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.16 Years | 1) Same line of work for over 6 years. Doing contract business with same company previously employed <br> since 2019<br> 2) Fico xxx with minimum 720 required<br> 3) 3 months reserves with none required<br> 4) No major derogatory credit nor credit events<br> 5) Over xxx in disposable income |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes |
| xxx | 52135113 |  | D B A | N/A | N/A | Closed | FPRO1251 | 2026-03-23 02:26 | 2026-03-23 02:26 | Waived | 2 - Non-Material B | Property | Property Issue | Property Zoning Does Not Meet Program Requirements | Waived-Subject property in Rural Agricultural Watershed zoning - Due Diligence Vendor-03/23/2026 |  | Waived-Subject property in Rural Agricultural Watershed zoning - Due Diligence Vendor-03/23/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of xxx 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 - 10.33 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.16 Years | 1) Fico xxx with minimum 720 required<br> 2) 3 months reserves with none required<br> 3) No major derogatory credit nor credit events<br> 4) Over xxx in disposable income |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes |
| xxx | 51417497 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| xxx | 51577746 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |
| xxx | 55180234 |  | D A | N/A | N/A | Closed | FCRE1503 | 2026-03-02 20:12 | 2026-03-04 15:00 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-03/04/2026 resolved. Provided a copy of the 1st payment letter and the note. - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Document Uploaded. - Seller-03/04/2026 <br> Open-Mortgage Statement(s) Missing xxx - Due Diligence Vendor-03/03/2026 | Ready for Review-Document Uploaded. - Seller-03/04/2026<br>| Resolved-03/04/2026 resolved. Provided a copy of the 1st payment letter and the note. - Due Diligence Vendor-03/04/2026<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 - 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 - 17.90 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.9% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.94 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 xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A |
| xxx | 55180234 |  | D A | N/A | N/A | Closed | FCRE7497 | 2026-03-02 20:11 | 2026-03-04 14:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-03/04/2026 Resolved. Note, hoi and taxes provided for proof of PITI - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Document Uploaded. HOA is on Appraisal and we used higher dues - Seller-03/04/2026 <br> Open-Missing verification of taxes, insurance, and/or HOA fees for non-subject property xxx - Due Diligence Vendor-03/03/2026 | Ready for Review-Document Uploaded. HOA is on Appraisal and we used higher dues - Seller-03/04/2026<br>| Resolved-03/04/2026 Resolved. Note, hoi and taxes provided for proof of PITI - Due Diligence Vendor-03/04/2026<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 - 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 - 17.90 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 20.9% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.15<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.94 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 xxx is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A |
| xxx | 51882169 |  | A | N/A | N/A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |

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## Exhibit 99.4

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.4 - Schedule 3**

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| **Loan ID** | **Redacted ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| xxx | 59433293 |  |  | xxx | xxx | 0 | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 55905251 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 52693735 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 51694971 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 52561471 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 59864647 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 53558214 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 52380797 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 54225366 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 54897329 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 53645686 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 58832602 |  |  | xxx | xxx | 0 | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 50631508 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | AVM |  |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 91.0 | 0.09 | xxx | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 51320824 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 57595336 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 50208182 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 52149355 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 55622235 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 54580126 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 58643644 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 50159831 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 59195538 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 50649518 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 51451496 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 51855347 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 51704886 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 53302289 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM |  |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 94.0 | 0.06 | xxx | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 50831780 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 54845419 |  |  | xxx | xxx |  | 0 | xxx | xxx | AVM |  |  | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 92.0 | 0.08 | xxx | ClearAVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 56244896 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 50679031 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 51074652 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 52208588 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 55521458 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 56068009 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 51737022 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 53012218 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 53258529 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 55696535 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 52382929 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 53707220 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 51972058 |  |  | xxx | xxx | 0 | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 50789922 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 54137806 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 53367131 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | REASONABLE | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 52602220 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 52135113 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 51417497 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 51577746 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 55180234 |  |  | xxx | xxx | 0 | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 51882169 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.4

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.4 - Schedule 4**

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Comments** | **Loan ID** | **Redacted ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
|  | xxx | 55521458 |  |  | xxx | Property Type | propertyValuationPage | Single Family Detached | PUD | According to xxx, the property type is Single Family Detached; however, the tape data indicates PUD. |

---

## Exhibit 99.4

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.4 - Schedule 5**

---

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| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 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 | 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 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 242 | 243 | 244 | 245 | 246 | 247 | 248 | 249 | 250 | 251 | 252 | 253 | 254 | 255 | 256 | 257 | 258 | 259 | 260 | 261 | 262 | 263 | 264 | 265 | 266 | 267 | 268 | 269 |
| **Loan ID** | **Redacted ID** | **Seller Loan ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Co Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Borrower Award/Offer Letter** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower WVOE Flag** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Subordinate Lien 2 Type** | **Subordinate Lien 2 Max Draw Amount (HELOC)** | **Subordinate Lien 3 Type** | **Subordinate Lien 3 Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** | **Borrower 1 Trust Name** | **Borrower 2 Trust Name** | **Borrower 3 Trust Name** | **Borrower 4 Trust Name** |
| xxx | 59433293 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | Yes | xxx | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.147 | 1.112 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | xxx | xxx | No | xxx | Yes | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| xxx | 55905251 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | N/A | xxx | xxx | xxx | xxx | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.004 | 1 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | xxx | xxx | No | xxx | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 52693735 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | Yes | xxx | xxx | xxx | xxx | Monthly | 0.00% | 20.17% | 20.17% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 240 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xxx | xxx | No | xxx | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 51694971 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.001 | 1.001 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | xxx | xxx | No | xxx | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| xxx | 52561471 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.271 | 1.21 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | xxx | xxx | No | xxx | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| xxx | 59864647 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.463 | 1.428 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | xxx | xxx | No | xxx | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| xxx | 53558214 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% | 0.00% | 0.00% |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  | 0 | 0 |  | Yes | 1.969 | 1.895 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | xxx | xxx | No | xxx | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| xxx | 52380797 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 48.43% | 48.43% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 240 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xxx | xxx | No | xxx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 54225366 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 38.62% | 38.62% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 243 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xxx | xxx | No | xxx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 54897329 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  | N/A | xxx | xxx | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.013 | 1.008 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | xxx | xxx | No | xxx | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 53645686 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | N/A | xxx | xxx | xxx | xxx | Monthly | 0.00% | 38.90% | 38.90% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 47 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xxx | xxx | No | xxx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 58832602 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.059 | 1.059 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | xxx | xxx | No | xxx | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 50631508 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.344 | 1.349 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | xxx | xxx | No | xxx | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | xxx |  |  |  |
| xxx | 51320824 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 47.77% | 47.77% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 84 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xxx | xxx | No | xxx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 57595336 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 47.76% | 47.76% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | U.S Air Force Retired | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xxx | xxx | No | xxx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 50208182 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.268 | 1.256 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | xxx | xxx | No | xxx | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 52149355 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 36.10% | 36.10% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 120 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2025"] - 2025 | Borrower - ["2025"] - 2025 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xxx | xxx | No | xxx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | xxx |  |  |  |
| xxx | 55622235 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 35.15% | 35.15% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xxx | xxx | No | xxx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 54580126 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 34.97% | 34.97% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 2 | 2 |  |  | 1 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 60.00% |  |  | Borrower Prepared | 10 | Borrower |  |  |  | NA | 0 | No |  | Yes | 165 | 22 | FNMA 1005 |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(K1), YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2023"] - 2024, 2023 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(K1), Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2023"] - 2024, 2023 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | xxx | xxx | xxx | xxx | No | xxx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 58643644 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 36.30% | 36.30% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | 1 Month |  | N/A | 0 |  |  | 2 | 0 |  |  | 1 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 99 | 35 | FNMA 1005 |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Bonus - 2 YRS Personal Tax Returns Verified, 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | xxx | xxx | No | xxx | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 50159831 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 49.82% | 49.82% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 249 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | xxx | xxx | xxx | xxx | No | xxx | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | xxx |  |  |  |
| xxx | 59195538 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | N/A | xxx | xxx | xxx | xxx | Monthly | 0.00% | 40.03% | 40.03% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 1 |  | Less than 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 1 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 37.57% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 40 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Wage - CPA Letter Verified, 1 YR W2 1099 Verified, Less than 1 Month Paystubs Verified, Executed 4506T Verified, 1 YR IRS Transcripts Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025","2024"] - 2025, 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7 | xxx | xxx | 1 | 101 |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xxx | xxx | No | xxx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 50649518 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 36.69% | 36.69% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 66.73% | 50.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | Yes | 186 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified, Lease Agreements Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | xxx | xxx | xxx | xxx | No | xxx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 51451496 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 43.53% | 43.53% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | NA |  | N/A | 0 |  |  | 1 | 1 |  |  | 1 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(K1), 1 YR W2 1099 Verified, Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024"] - 2024 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(K1), Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024"] - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xxx | xxx | No | xxx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 51855347 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 22.73% | 22.73% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - ["2023","2024","2025"] - 2023, 2024, 2025 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xxx | xxx | No | xxx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 51704886 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 14.59% | 14.59% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 179 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xxx | xxx | No | xxx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 53302289 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 33.07% | 33.07% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 91.85% | 90.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xxx | xxx | No | xxx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 50831780 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 42.55% | 42.55% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 56 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | Yes | Borrower - SEPartnership, SEPartnership, SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xxx | xxx | No | xxx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 54845419 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | N/A | xxx | xxx | xxx | xxx | Annually | 0.00% | 30.08% | 30.08% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | Yes | 24 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - ["2025","2024"] - 2025, 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xxx | xxx | No | xxx | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| xxx | 56244896 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 48.98% | 48.98% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 1 | 0 |  |  | 1 | 1 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - 1 YR Personal Tax Returns Verified, CPA Letter Verified, Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024"] - 2024 | Borrower - 1 YR Personal Tax Returns Verified, Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024"] - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xxx | xxx | No | xxx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 50679031 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.46 | 1.46 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | xxx | xxx | No | xxx | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 51074652 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 39.08% | 39.08% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified, Lease Agreements Verified - ["2025"] - 2025 | Borrower - ["2025"] - 2025 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | xxx | xxx | No | xxx | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 52208588 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | N/A | xxx | xxx | xxx | xxx | Monthly | 0.00% | 18.13% | 18.13% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2025"] - 2025 | Borrower - ["2025"] - 2025 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | xxx | xxx | xxx | xxx | No | xxx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | xxx |  |  |  |
| xxx | 55521458 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 39.58% | 39.58% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 0 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 128 | 24 | Work Number NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Bonus - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xxx | xxx | No | xxx | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | xxx | xxx |  |  |
| xxx | 56068009 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | N/A | xxx | xxx | xxx | xxx | Monthly | 0.00% | 35.09% | 35.09% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 25.00% |  |  | Audited | 12 | Tax Preparer |  |  |  | Yes | 314 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2025"] - 2025 | Borrower - ["2025"] - 2025 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xxx | 0 | No | xxx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | xxx |  |  |  |
| xxx | 51737022 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 48.90% | 48.90% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 1 | 0 |  |  | 3 | 3 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 81 | 25 | Work Number |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Primary Residence Rent Income - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - ["2024","2025","2026"] - 2024, 2025, 2026 | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - ["2024","2025","2026"] - 2024, 2025, 2026 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | xxx | xxx | xxx | xxx | No | xxx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | xxx |  |  |  |
| xxx | 53012218 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 8.14% | 8.14% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 85 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2025"] - 2025 | Borrower - ["2025"] - 2025 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xxx | xxx | No | xxx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 53258529 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 42.32% | 42.32% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 120 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | xxx | xxx | xxx | xxx | No | xxx | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 55696535 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% | 0.00% | 0.00% |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  | 0 | 0 |  | Yes | 1.082 | 1.082 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | xxx | xxx | No | xxx | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| xxx | 52382929 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 8.97% | 8.97% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 193 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2025"] - 2025 | Borrower - ["2025"] - 2025 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | xxx | xxx | No | xxx | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | xxx |  |  |  |
| xxx | 53707220 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 38.38% | 38.38% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 33.33% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 251 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2025"] - 2025 | Borrower - ["2025"] - 2025 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | xxx | xxx | No | xxx | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 51972058 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.09 | 1.09 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | xxx | xxx | No | xxx | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 50789922 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 44.88% | 44.88% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 3 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 0.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 180 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - ["2026","2025","2024"] - 2026, 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - ["2026","2025","2024"] - 2026, 2025, 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xxx | xxx | No | xxx | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| xxx | 54137806 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  | 0 |  | Yes | 1.49 | 1.49 | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | xxx | xxx | No | xxx | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 53367131 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 40.50% | 40.50% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 193 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xxx | xxx | No | xxx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 52602220 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 45.21% | 45.21% | No |  | 1 - Not Stated Not Verified | 1 - Not Stated Not Verified |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 2 | 0 |  |  | 1 | 2 | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 2 | 2 | Work Number |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Bonus, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified, Lease Agreements Verified, 1040 Schedule E Verified - ["2024","2025","2026"] - 2024, 2025, 2026 | Borrower - 2 YRS Personal Tax Returns Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2024","2025","2026"] - 2024, 2025, 2026 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | United States | xxx | US | xxx | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xxx | xxx | No | xxx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 52135113 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 49.40% | 49.40% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 1YR Business P&L | 0 | 2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | 0.00% |  | Audited | 12 | Accountant/Bookkeeper | N/A | N/A | 0 | Yes | 12 | No | 0 | NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2026"] - 2025, 2026 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2026","2024"] - 2025, 2026, 2024 | Borrower - ["2025","2026"] - 2025, 2026 \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2026","2024"] - 2025, 2026, 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xxx | xxx | No | xxx | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| xxx | 51417497 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 21.02% | 21.02% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 26.40% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp - CPA Letter Verified, Business Bank Statements Verified - ["2025"] - 2025 | Borrower - ["2025"] - 2025 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | xxx | xxx | xxx | xxx | No | xxx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 51577746 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 48.78% | 48.78% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 2 | 0 | 0 | 0 | 0 | 2 | NA | No | No | 60 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% | Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 73 | 25 | FNMA 1005 NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Bonus, Asset Depletion - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS IRS Transcripts Verified - ["2024","2025","2026"] - 2024, 2025, 2026 \|\| Co Borrower - N/A - 2 YRS IRS Transcripts Verified | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS IRS Transcripts Verified - ["2024","2025","2026"] - 2024, 2025, 2026 \|\| Co Borrower - 2 YRS IRS Transcripts Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | xxx | xxx | xxx | xxx | No | xxx | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | xxx | xxx |  |  |
| xxx | 55180234 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | N/A | xxx | xxx | xxx | xxx | Annually | 0.00% | 20.90% | 20.90% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Passport |  | xxx | United States | xxx | United States | xxx | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | xxx | xxx | No | xxx | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| xxx | 51882169 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 41.45% | 41.45% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA | No | No | 60 | No | Yes | Yes | 6 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 212 | 25 | Work Number |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime, Wage, Asset Depletion - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Personal Bank Statements Verified - ["2024","2025","2026"] - 2024, 2025, 2026 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025","2026"] - 2024, 2025, 2026 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xxx | xxx | No | xxx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |

---

## Exhibit 99.4

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.4 - Schedule 6**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redacted ID** | **Seller Loan ID** | **Investor Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| xxx | 59433293 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | N/A |  |  | No |  | Yes | Present |
| xxx | 55905251 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| xxx | 52693735 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xxx | 51694971 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| xxx | 52561471 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| xxx | 59864647 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| xxx | 53558214 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| xxx | 52380797 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xxx | 54225366 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xxx | 54897329 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| xxx | 53645686 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xxx | 58832602 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| xxx | 50631508 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| xxx | 51320824 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xxx | 57595336 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xxx | 50208182 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| xxx | 52149355 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xxx | 55622235 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xxx | 54580126 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xxx | 58643644 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | N/A | Employed |  | No |  | Yes | Present |
| xxx | 50159831 |  |  | xxx | 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 | 0 | N/A | Employed |  | No |  | Yes | Present |
| xxx | 59195538 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xxx | 50649518 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xxx | 51451496 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xxx | 51855347 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xxx | 51704886 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xxx | 53302289 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xxx | 50831780 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xxx | 54845419 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed | Employed | No | No | No |  |
| xxx | 56244896 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xxx | 50679031 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| xxx | 51074652 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | N/A | Employed |  | No |  | Yes | Present |
| xxx | 52208588 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xxx | 55521458 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 0 | N/A | Employed | Employed | No | No | No |  |
| xxx | 56068009 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xxx | 51737022 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xxx | 53012218 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xxx | 53258529 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | N/A | Employed |  | No |  | Yes | Present |
| xxx | 55696535 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| xxx | 52382929 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | N/A | Employed |  | No |  | Yes | Present |
| xxx | 53707220 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | N/A | Employed |  | No |  | Yes | Present |
| xxx | 51972058 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| xxx | 50789922 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed | Employed | No | No | No |  |
| xxx | 54137806 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 |  |  |  | No |  | Yes | Present |
| xxx | 53367131 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 0 | N/A | Employed |  | No |  | No |  |
| xxx | 52602220 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | Yes | Yes | No | No | No | No | No | No | No | Yes | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xxx | 52135113 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed | Employed | No | No | No |  |
| xxx | 51417497 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | No | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xxx | 51577746 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | No | Yes | No | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed | Not Employed | No | No | No |  |
| xxx | 55180234 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | N/A | Employed |  | No |  | Yes | Present |
| xxx | 51882169 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | Yes | No | No | No | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |

---

## Exhibit 99.5

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.5**

![](ex995001.jpg)

Maxwell Diligence Solutions, LLC

Form ABS Due Diligence 15-E

VSTA 2026-CES2

![](ex995002.jpg)

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

**FORM ABS DUE DILIGENCE-15E**

**CERTIFICATION OF PROVIDER OF THIRD-PARTY DUE DILGENCE SERVICES FOR ASSET-BACKED SECURITIES**

**Item 1: Identity of the person providing third-party due diligence services**

Legal Name: Maxwell Diligence Solutions, LLC

Business Name (If Different):

Principal Business Address: 1700 Lincoln St #2900, Denver, CO 80203

**Item 2: Identity of the person who paid the person to provide due diligence services**

Legal Name: Vista Point Mortgage, LLC

Business Name (If Different):

Principal Business Address: 1920 Main St, Suite 200, Irvine, CA 92614

**Item 3: Credit rating criteria**

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

---

| | |
|:---|:---|
| &nbsp;&nbsp;**NRSRO(s)** | &nbsp;&nbsp;**Criteria** |
| &nbsp;&nbsp;DBRS, Inc. | &nbsp;&nbsp;Third-Party Due-Diligence and Representations & Warranties Criteria for U.S. RMBS Transactions – September 30, 2024 |
| &nbsp;&nbsp;S&P Global Ratings | &nbsp;&nbsp;Global Methodology And Assumptions: Assessing Pools Of Residential Loans, January 25, 2019.<br> Global Methodology And Assumptions: Assessing Pools Of Residential Loans--U.S. And Canada Supplement, February 21, 2025. |

---

**Item 4: Description of the due diligence performed**

See Attachment A.

**Item 5: Summary of findings and conclusions of review**

See Attachment B.

![](ex995002.jpg)

**CERTIFICATION**

The undersigned has executed this Form ABS Due Diligence 15E on behalf of, and on the authority of, the person identified in Item 1 of the Form. The undersigned, on behalf of the person, represents that the person identified in Item 1 of the Form conducted a thorough review in performing the due diligence described in Item 4 attached to this Form and that the information and statements contained in this Form, including Items 4 and 5 attached to this Form, which are part of this Form, are accurate in all significant respects.

---

| |
|:---|
| Maxwell Diligence Solutions, LLC |
| By: Jim Smith, Chief Lending Officer |
| Date: ______________________ |

---

![](ex995002.jpg)

**Attachment A**

**Item 4: Description of the due diligence performed**

VSTA 2026-CES2

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

Maxwell Diligence Solutions, LLC ("MaxDiligence") performed certain due diligence services (the "Review") described below on residential mortgage loans acquired by Vista Point Mortgage, LLC, (the "Client"). The Review was conducted from December 2025 to March 2026 on mortgage loans originated from December 2025 to March 2026.

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

The Review consisted of 100% of the population of 13 loans with an original aggregate loan balance of $6,561,650.00.

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

The sample population was determined and provided by MaxDiligence's client (as identified by Item 2).

The Review was conducted consistent with the criteria for the nationally recognized statistical rating organizations, NRSRO(s), identified in Item 3 of the ABS Due Diligence-15E. MaxDiligence does not know the size of the overall securitization population and other third-party review ("TPR") firms may have reviewed loans within the overall securitization population.

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

MaxDiligence compared data fields on the bid tape provided by the Client to the data found in the actual mortgage loan file as captured by MaxDiligence. This comparison, when data was available, included the following 34 data fields:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Field Label** |
| &nbsp;&nbsp;Amount of Other Lien | &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;B1 First Name | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;B1 Last Name | &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;B1 Self Employment Flag | &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;Qualifying CLTV |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Closing Settlement Date | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;Mortgage Origination Channel | &nbsp;&nbsp;Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Final Reviewed QM Status | &nbsp;&nbsp;Originator QM Status | &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;Term |
| &nbsp;&nbsp;Hazard Premium | &nbsp;&nbsp;Property Address | &nbsp;&nbsp;Verified Doc Type |
| &nbsp;&nbsp;Initial Monthly PI Or IO Payment |  |  |

---

![](ex995002.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Mortgage Insurance Certificate was
in file, if applicable, and coverage was sufficient, and premium was included in DSCR

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Red Flags adequately addressed

![](ex995002.jpg)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. AKA's investigated and cleared

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Acceptable credit history and credit score requirements

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Tax Returns and Profit and Loss Statements, as applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Bank Statements or other Alternate Income documents as required by the guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Consistent/Continuing Employment, if applicable

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Earnest Money Deposit verified

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

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

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

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

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

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

![](ex995002.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>Mortgage Insurance (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Certificate in file

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Sufficient Coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Premium indicated and included in DTI

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Review Title Commitment/Policy</u> 

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. <u>Review Closing Documents</u> 

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Closing Disclosure

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Right to Cancel (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;12. <u>Qualified Mortgage / Ability-to-Repay Review</u> 

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. QM Safe-Harbor

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Non-QM

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. ATR Compliant

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. ATR Fail

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. ATR Exempt

![](ex995002.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

![](ex995002.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. MaxDiligence's review included a review of the valuation materials utilized during the origination of the loan and in
confirming the value of the underlying property. MaxDiligence's review included verifying the appraisal report:

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

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

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

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

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

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

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

![](ex995002.jpg)

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. In addition, MaxDiligence will access the ASC database to verify that the appraiser, and if applicable the appraiser's
supervisor, were licensed and in good standing at the time the appraisal was completed.

![](ex995002.jpg)

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Review the CD review and confirm (i) the correct form was used; (ii) all sections of the CD are
completed; and (iii) the CD accurately reflects the information provided to MaxDiligence.

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

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

![](ex995002.jpg)

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

Rescission

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Failure to provide the right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. failure to provide the right of rescission notice in a timely manner and to the correct consumer(s);

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. errors in the right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. failure to provide the correct form of right of rescission notice;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. failure to provide the three (3) business days rescission period; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. any material disclosure violation on a rescindable loan that gives rise to the right of rescission
under TILA, which means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total
of payments, the payment schedule, the HOEPA disclosures;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Tolerance Testing</u>. Compare the fees disclosed in the final binding LE to those in the final
CD, and confirm that final CD fees are within the permitted tolerances. Confirm the total of payments are considered accurate as
defined by Regulation Z. Confirm Finance Charge tolerances are correct.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. <u>Subsequent Changes</u>. Review the file to determine (i) whether there is evidence that certain
changes or errors (per the regulation) were discovered subsequent to closing, (ii) and whether the Loan originator followed the
prescribed cure. Test for evidence such as a copy of the refund check, or a corrected, post-consummation CD (" <u>PCCD</u> "),
and (iii) with respect to applicable exception remediation measures for numerical exceptions, confirm that a letter of explanation,
as well as a refund as applicable, was delivered or placed in the mail no later than sixty (60) days after discovery of the exception
establishing the need for a revised CD or with respect to exception remediation measures for non-numerical exceptions, that a corrected
CD was delivered or placed in the mail no later than sixty (60) days after consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>Loan Toolkit (§1026.19)</u>:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Confirm Your Home Loan Toolkit was delivered or placed in the mail not later than three (3) business
days after receipt of application.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>TILA</u> 

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Points and fees threshold test;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. APR threshold test;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Prepayment penalty test; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Compliance with the disclosure requirements, limitation on terms and prohibited acts or practices
in connection with a high-cost mortgage.

![](ex995002.jpg)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Compliance with the escrow account and appraisal requirements.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. With respect to brokered mortgage loans, the Prohibitions and Restrictions related to Loan Originator
Compensation and Steering (§1026.36):

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Review relevant document to determine if there was dual compensation; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Review the presence of the mortgage loan option disclosure and to determine if the Steering Safe
Harbor provisions were satisfied.

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Determine if the creditor financed, directly or indirectly, any premiums or fees for credit insurance
in jurisdictions where it is prohibited.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Verify the data against the NMLSR database, as available.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>RESPA</u>:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm the presence of the Servicing Disclosure Statement form in the mortgage loan file;

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

![](ex995002.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. Confirm the presence of the Your Home Loan Toolkit/Special Information Booklet in the mortgage
loan file or that the mortgage loan file contains documentary evidence that the disclosure was provided to the borrower;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Confirm the Your Home Loan Toolkit /Special Information Booklet was provided within three (3) business
days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Confirm the presence of the CHARM booklet when applicable;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Confirm that the CHARM booklet was issued within three (3) business days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Confirm the presence of the Affiliated Business Arrangement Disclosure in the mortgage loan file
in the event the lender has affiliated business arrangements;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Confirm the Affiliated Business Arrangement Disclosure was provided no later than three (3) business
days of application;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. Confirm the Affiliated Business Arrangement Disclosure is executed;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;x. Confirm the presence of the Initial Escrow Disclosure Statement in the mortgage loan file and proper
timing;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;xi. Confirm that the creditor provided the borrower a list of homeownership counselling organizations
within three (3) business days of application; and

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. <u>ECOA</u>: The Equal Credit Opportunity Act, as implemented by Regulation B, 12 C.F.R. Part 1002,
as set forth below:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Timing and content of the right to receive copy of appraisal disclosure;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Charging of a fee for a copy of the appraisal or other written valuation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Timing of creditor providing a copy of each appraisal or other written valuation; and

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. <u>Other Provisions</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Texas:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution
and associated regulations;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Fed/State/Local Predatory Lending:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Prepay Penalties and Late Fees:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Federal and state specific late charge and prepayment penalty provisions.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;11. <u>Exclusions</u>. MaxDiligence will not test:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Loan types that are excluded from compliance with TRID.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Technical formatting of disclosures.

![](ex995002.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Other Post-consummation disclosures, including Escrow Closing Notice; and Mortgage servicing transfer
and partial payment notices.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. For Loans made by an FDIC-supervised institution or servicer, extended or renewed on or after January
1, 2016, whether prohibited fees were collected prior to the initial LE being issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Whether any fee is a "bona fide" fee for third-party services

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Whether the loans comply with all federal, state or local laws, constitutional provisions, regulations
or ordinances that are not expressly enumerated above.

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

Not applicable.

![](ex995002.jpg)

**Attachment B<br> Item 5: Summary of findings and conclusions of review**

**Summary of Results**

**OVERALL RESULTS SUMMARY** 

After giving consideration to the grading criteria of the relevant NRSROs, 100% of the loans received a an Overall "A" grade.

**Final Loan Grades**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Rating Agency Final Overall Grade Summary** | &nbsp;&nbsp;**Rating Agency Final Overall Grade Summary** | &nbsp;&nbsp;**Rating Agency Final Overall Grade Summary** |
| &nbsp;&nbsp;**Overall** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**13** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**13** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;9 | &nbsp;&nbsp;69.23% |
| &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;4 | &nbsp;&nbsp;30.77% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**13** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;13 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**13** | &nbsp;&nbsp;**100.00%** |

---

![](ex995002.jpg)

**Exception Category Summary**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception <br> Type** | &nbsp;&nbsp;**Exception <br> Level <br> Grade** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;All Interested Parties Not Checked with Exclusionary Lists | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Approval - Lender Income Calculation Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Approval/Underwriting Summary Not Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Audited DTI Exceeds Guideline DTI | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Hazard Insurance Coverage Amount is less than Required Coverage Amount | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Income and Employment Do Not Meet Guidelines | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Liabilities - REO | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;6 |
|  |  | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions*** | &nbsp;&nbsp;***13*** |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Missing Doc - 3rd Party Valuation Product/Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;No Property Findings | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Value - Value is supported within -10% of original appraisal amount | &nbsp;&nbsp;5 |
|  |  | &nbsp;&nbsp;***Total Property Grade (A) Exceptions*** | &nbsp;&nbsp;***13*** |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Charges That Cannot Increase Test (50001251) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Missing evidence Mortgage/Deed of Trust will be recorded | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;Missing HUD-1 Closing Statement | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;No Compliance Tests Performed | &nbsp;&nbsp;6 |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;The Final 1003 is Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions*** | &nbsp;&nbsp;***14*** |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

As part of the Credit, Property and Compliance Reviews, MaxDiligence captured data from the source documents and compared it to a data tape provided by Client. MaxDiligence provided Client a Data Discrepancy Report which shows the differences between the tape data and the data captured by MaxDiligence during the diligence process.

![](ex995002.jpg)

Of the 12 mortgage loans reviewed, 5 unique mortgage loans (by loan count) had a total of 11 different tape discrepancies across 11 data fields (some mortgage loans may have had more than one). A blank or zero value on the data tape when an actual value was captured by MaxDiligence was not treated as a data variance.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;Amount of Other Lien | &nbsp;&nbsp;1 | &nbsp;&nbsp;13 | &nbsp;&nbsp;7.69% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;13 | &nbsp;&nbsp;7.69% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;1 | &nbsp;&nbsp;13 | &nbsp;&nbsp;7.69% |
| &nbsp;&nbsp;Final Reviewed QM Status | &nbsp;&nbsp;1 | &nbsp;&nbsp;13 | &nbsp;&nbsp;7.69% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;1 | &nbsp;&nbsp;13 | &nbsp;&nbsp;7.69% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;13 | &nbsp;&nbsp;7.69% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;13 | &nbsp;&nbsp;7.69% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;13 | &nbsp;&nbsp;7.69% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;1 | &nbsp;&nbsp;13 | &nbsp;&nbsp;7.69% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;1 | &nbsp;&nbsp;13 | &nbsp;&nbsp;7.69% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;13 | &nbsp;&nbsp;7.69% |

---

**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. |

---

![](ex995002.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 Grades** | &nbsp;&nbsp;**Valuation Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The value is supported within 10% of the original appraisal by the AVM or there are other supporting documents in the originators loan file package (CDA, Field Review or Second Appraisal). The appraisal was performed on an "as-is" basis and the property is complete and habitable at origination. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal by the AVM and there are no other valuation support documents in the loan file provided by the Seller. The valuation methodology substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding guidelines. The appraisal was performed on an "as-is" basis and the property is complete and habitable. The appraiser was appropriately licensed and used GSE approved forms. |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The value is not supported within 10% of the original appraisal. The valuation methodology did not meet the published guidelines and there were not sufficient compensating factors for exceeding published guidelines. The property is in below "average" condition or the property is not complete or requires significant repairs. The appraisal was not performed on an "as is" basis. The appraiser was not appropriately licensed or did not use GSE approved forms. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The file was missing the appraisal or there was not sufficient valuation documentation to perform a review. |

---

## Exhibit 99.5

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.5 - Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Last Name** | **Property State** | **Occupancy** | **Purpose** | **Originator QM Status** | **TPR QM Status** | **Exception ID** | **Exception Number** | **Exception Date** | **Exception Type** | **Exception Subcategory** | **Exception** | **Exception Remedy** | **Rebuttal** | **TPR Response** | **Compensating Factors** | **Status Update Date** | **Finding Status** | **Initial Exception Grade** | **Final Exception Grade** | **Initial Loan Grade** | **Final Loan Grade** |
| 43681273 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 1 of 5 | 2025-12-18 16:26 | Compliance | Charges That Cannot Increase Test (50001251) | The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: 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. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). Discount fee increased from $832.50 on LE issued XXXXXX to $1707.50 on the final CD without a CIC <br>|  | Document Uploaded. - 01/14/2026<br>| Received CIC for increased fee - 01/14/2026<br>|  | 2026-01-14 15:03 | Resolved | 3 | 1 | 3 | 1 |
| 43681273 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 2 of 5 | 2025-12-30 00:46 | Credit | Approval/Underwriting Summary Not Provided | The loan did not contain the Approval/Underwriting Summary. <br>|  | Document Uploaded. - 01/14/2026<br>| Condition provided, condition now resolved. XXXXXX - 01/14/2026 |  | 2026-01-14 15:34 | Resolved | 3 | 1 | 3 | 1 |
| 43681273 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 3 of 5 | 2025-12-31 00:53 | Credit | Income and Employment Do Not Meet Guidelines | Provide full doc income documentation for B1 self employment to support $XXXXXX monthly per loan application, subject to review. No income documentation was provided. Income and employment do not meet guidelines. <br>|  | Borrowers P&L (current) has been provided in trailing docs. Condition resolved. XXXXXX- 01/14/2026 <br> Document Uploaded. Per ourXXXXXX XXXXXX: 'This loan was underwritten as P&L only program (not a full doc). <br> P&L and CPA letter were in the uploaded packages. <br> Income calculated Net Income from P&L: Avg 12 mos. ($XXXXXX :12 mo= $XXXXXX).'<br> - 01/14/2026 | Income and Employment Meet Guidelines - 01/27/2026<br> Borrowers P&L (current) has been provided in trailing docs. Condition resolved. XXXXXX - 01/14/2026 |  | 2026-01-27 16:25 | Resolved | 3 | 1 | 3 | 1 |
| 43681273 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 4 of 5 | 2025-12-31 00:58 | Credit | Approval - Lender Income Calculation Missing | The loan file did not contain the lender income calculation worksheet as required. No income documentation was provided for review. XXXXXX, we need the income worksheet breaking down the income calculations. <br>|  | Document Uploaded. - 01/17/2026 <br> Document Uploaded. Per our XXXXXX XXXXXX 'This loan was underwritten as P&L only program (not a full doc). <br> P&L and CPA letter were in the uploaded packages. <br> Income calculated Net Income from P&L: Avg 12 mos. ($XXXXXX :12 mo= $XXXXXX).'<br> - 01/14/2026 | Doc provided. Condition resolved - 01/20/2026<br>|  | 2026-01-20 16:02 | Resolved | 3 | 1 | 3 | 1 |
| 43681273 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 5 of 5 | 2025-12-31 01:00 | Property | No Property Findings | Loan meets applicable appraisal guidelines. <br>|  |  |  |  | 2025-12-31 01:00 | Cleared | 1 | 1 | 3 | 1 |
| 40302505 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 1 of 2 | 2025-12-19 02:24 | Compliance | Missing evidence Mortgage/Deed of Trust will be recorded | Missing evidence of Mortgage recording. <br>|  | Document Uploaded. - 01/13/2026 <br>Document Uploaded. - 01/05/2026<br>| Evidence of Mortgage Recording is present or Mortgage has been sent for Recording - 01/13/2026<br>Received additional copy of unrecorded mortgage, and the final CD does not reflect a recording fee was charged to the borrower. Please provide copy of recorded mortgage or proof of recording - 01/05/2026<br>|  | 2026-01-13 13:00 | Resolved | 3 | 1 | 3 | 1 |
| 40302505 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 2 of 2 | 2025-12-30 00:37 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-12-30 00:37 | Cleared | 1 | 1 | 3 | 1 |
| 48091938 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 1 of 3 | 2026-01-12 17:55 | Compliance | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | The loan disbursement date (XXXXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXXXX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c) and Official Staff Commentary) FCD discloses closing XXXXXX and disbursement XXXXXX; however documents were executed XXXXXX and not eligible for disbursement until XXXXXX. <br>|  | Document Uploaded. - 01/22/2026 <br>Document Uploaded. - 01/19/2026<br>| Received PCCD - 01/27/2026<br>Resolved - 01/27/2026<br>Please provide a PCCD disclosing true disbursement date and all final fees. - 01/20/2026<br>|  | 2026-01-27 22:29 | Resolved | 3 | 1 | 3 | 1 |
| 48091938 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 2 of 3 | 2026-01-12 22:44 | Property | No Property Findings | Loan meets applicable appraisal guidelines. <br>|  |  |  |  | 2026-01-12 22:44 | Cleared | 1 | 1 | 3 | 1 |
| 48091938 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 3 of 3 | 2026-01-12 22:50 | Credit | Liabilities - REO | The loan file did not contain sufficient documentation to verify debts associated with all other properties. 1. XXXXXX. - Validation if the property is in an HOA.<br> 2. XXXXXX- Tax verification was not found in the loan documents. Also, only one insurance policy was found. Could not determine if this property had two policies the same as the other properties owned by the borrower. <br>|  | Document Uploaded. - 01/19/2026<br>| Docs provided. 1. XXXXXX. HOA $XXXXXXmo. 2. XXXXXX mortgage statement provided $XXXXXX, T&I docs provided. XXXXXX mo. Condition resolved. - 01/20/2026 |  | 2026-01-20 16:29 | Resolved | 3 | 1 | 3 | 1 |
| 47888713 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 1 of 3 | 2026-01-13 17:43 | Compliance | Missing HUD-1 Closing Statement | Final HUD-1 Document is Missing. Per the application, the borrower refinanced the property located atXXXXXX with XXXXXX paying off two mortgage loans (XXXXXX and XXXXXX) and obtaining a new loan for the amount of $XXXXXX with a monthly payment of XXXXXX. Documentation to support this was not found in the loan documents. <br>|  | Disregard below. - 01/20/2026 <br>Document Uploaded. - 01/19/2026<br>| Settlement Statement from the refinance of XXXXXX was provided. Condition resolved. - 01/21/2026<br> Disregard below. - 01/20/2026<br> Received settlement statement - 01/20/2026 |  | 2026-01-21 15:56 | Resolved | 4 | 1 | 4 | 1 |
| 47888713 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 2 of 3 | 2026-01-13 17:44 | Property | No Property Findings | Loan meets applicable appraisal guidelines. <br>|  |  |  |  | 2026-01-13 17:44 | Cleared | 1 | 1 | 4 | 1 |
| 47888713 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 3 of 3 | 2026-01-15 21:01 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2026-01-15 21:01 | Cleared | 1 | 1 | 4 | 1 |
| 46718606 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 1 of 3 | 2026-01-16 13:38 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2026-01-16 13:38 | Cleared | 1 | 1 | 3 | 1 |
| 46718606 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 2 of 3 | 2026-01-16 22:28 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI exceeds guideline DTI. The loan was approved with a DTI of 46.41%. The first mortgage is interest-only. Per guidelines, interest-only senior liens are acceptable when qualified at a maximum DTI of 45%. The DTI of 46.41 exceeds the guideline requirement of 45%. <br>|  |  | Recieved the updated guidelines dated XXXXXX - Interest-Only senior liens acceptable when qualified at max 50% DTI - 01/23/2026<br> Audited DTI of 46.41% is less than or equal to Guideline DTI of 50% - 01/23/2026 |  | 2026-01-27 22:48 | Resolved | 3 | 1 | 3 | 1 |
| 46718606 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 3 of 3 | 2026-01-20 21:12 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2026-01-20 21:12 | Cleared | 1 | 1 | 3 | 1 |
| 46165153 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 1 of 3 | 2026-02-13 22:00 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2026-02-13 22:00 | Cleared | 1 | 1 | 1 | 1 |
| 46165153 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 2 of 3 | 2026-02-16 13:38 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2026-02-16 13:38 | Cleared | 1 | 1 | 1 | 1 |
| 46165153 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Refinance | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXXXX | 3 of 3 | 2026-02-17 21:19 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2026-02-17 21:19 | Cleared | 1 | 1 | 1 | 1 |
| 42028175 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 1 of 3 | 2026-03-13 12:59 | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2026-03-13 12:59 | Cleared | 1 | 1 | 1 | 1 |
| 42028175 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 2 of 3 | 2026-03-13 15:45 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2026-03-13 15:45 | Cleared | 1 | 1 | 1 | 1 |
| 42028175 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | XXXXXX | 3 of 3 | 2026-03-13 15:45 | Property | No Property Findings | Loan meets applicable appraisal guidelines. <br>|  |  |  |  | 2026-03-13 15:45 | Cleared | 1 | 1 | 1 | 1 |
| 44968308 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 1 of 3 | 2026-01-26 21:47 | Property | Missing Doc - 3rd Party Valuation Product/Missing | The loan file did not contain the required 3rd party valuation product. <br>|  | We only used the appraisal. The choices allowed is an AVM & property inspection, OR appraisal. We went with the appraisal option, so we do not have an AVM nor property inspection. - 01/29/2026 <br>We provided a full appraisal as the choice is an AVM and property inspection, or appraisal. Therefore, this isn't needed - 01/28/2026<br>| Guidelines requires 1 valuation, 1025 in file. Condition resolved. - 01/30/2026<br>Condition upheld. Provide AVM used. - 01/29/2026<br>|  | 2026-01-30 20:06 | Resolved | 3 | 1 | 3 | 1 |
| 44968308 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 2 of 3 | 2026-01-26 22:14 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  | No compliance test needed for business purpose loans. - 02/03/2026<br>| . - 02/04/2026<br>|  | 2026-02-04 17:32 | Cleared | 1 | 1 | 3 | 1 |
| 44968308 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 3 of 3 | 2026-01-27 16:44 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2026-01-27 16:44 | Cleared | 1 | 1 | 3 | 1 |
| 49512493 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 1 of 3 | 2025-12-16 19:42 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. Investment <br>|  |  |  |  | 2025-12-16 19:42 | Cleared | 1 | 1 | 3 | 1 |
| 49512493 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 2 of 3 | 2025-12-22 19:03 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All interested parties not checked with exclusionary lists. The OFAC report in the file shows only the borrower and the vested business entity. <br>|  |  | GL's do not require - 12/31/2025<br>|  | 2025-12-31 18:43 | Resolved | 3 | 1 | 3 | 1 |
| 49512493 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 3 of 3 | 2025-12-22 19:04 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2025-12-22 19:04 | Cleared | 1 | 1 | 3 | 1 |
| 45101874 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 1 of 3 | 2026-01-07 16:39 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2026-01-07 16:39 | Cleared | 1 | 1 | 3 | 1 |
| 45101874 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 2 of 3 | 2026-01-08 16:08 | Credit | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Coverage Amount - Hazard insurance amount is less than required coverage amount. The Hazard insurance amount is less than required coverage amount <br>|  | Per appraisal, replacement cost is only $XXXXXX - 01/13/2026 | Received rebuttal from lender and agree, appraisal shows replacement cost new and insurance coverage is sufficient. - 01/13/2026<br>|  | 2026-01-13 22:08 | Resolved | 3 | 1 | 3 | 1 |
| 45101874 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 3 of 3 | 2026-01-12 23:01 | Property | No Property Findings | Loan meets applicable appraisal guidelines. <br>|  |  |  |  | 2026-01-12 23:01 | Cleared | 1 | 1 | 3 | 1 |
| 43026404 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 1 of 3 | 2026-01-23 19:03 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2026-01-23 19:03 | Cleared | 1 | 1 | 1 | 1 |
| 43026404 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 2 of 3 | 2026-01-26 21:11 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2026-01-26 21:11 | Cleared | 1 | 1 | 1 | 1 |
| 43026404 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 3 of 3 | 2026-01-26 21:11 | Property | Value - Value is supported within -10% of original appraisal amount | The appraised value was supported within -10% and all applicable appraisal guidelines were satisfied. <br>|  |  |  |  | 2026-01-26 21:11 | Cleared | 1 | 1 | 1 | 1 |
| 44950690 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 1 of 3 | 2026-01-22 16:25 | Compliance | The Final 1003 is Missing | The final 1003 is missing. <br>|  | Document Uploaded. Please see attached. - 01/26/2026<br>| Final executed 1003 provided. Condition resolved. - 01/28/2026<br>The final 1003 has been provided. - 01/28/2026<br>|  | 2026-01-28 18:49 | Resolved | 3 | 1 | 3 | 1 |
| 44950690 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 2 of 3 | 2026-01-22 17:15 | Property | No Property Findings | Loan meets applicable appraisal guidelines. <br>|  |  |  |  | 2026-01-22 17:15 | Cleared | 1 | 1 | 3 | 1 |
| 44950690 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 3 of 3 | 2026-01-22 19:57 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2026-01-22 19:57 | Cleared | 1 | 1 | 3 | 1 |
| 40361799 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 1 of 3 | 2026-02-23 20:45 | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2026-02-23 20:45 | Cleared | 1 | 1 | 1 | 1 |
| 40361799 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 2 of 3 | 2026-02-23 20:45 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2026-02-23 20:45 | Cleared | 1 | 1 | 1 | 1 |
| 40361799 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | XXXXXX | 3 of 3 | 2026-02-26 18:23 | Property | No Property Findings | Loan meets applicable appraisal guidelines. <br>|  |  | Loan meets applicable appraisal guidelines. - 02/26/2026<br>|  | 2026-02-26 18:23 | Cleared | 1 | 1 | 1 | 1 |

---

## Exhibit 99.5

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.5 - Schedule 2**

![](maxwell-logo.jpg)

Client VSTA 2026-CES2 <br> Transaction VSTA 2026-CES2 <br> Date 04/03/2026

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| | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Initial Loan Rating** | **Final Loan Rating** | **Initial Credit Rating** | **Final Credit Rating** | **Initial Compliance Rating** | **Final Compliance Rating** | **Initial Valuation Rating** | **Final Valuation Rating** | **Initial Valuation Grade (S&P)** | **Final Valuation Grade (S&P)** | **Initial Valuation Grade (DBRS Morningstar)** | **Final Valuation Grade (DBRS Morningstar)** | **Initial Valuation Grade (Kroll)** | **Final Valuation Grade (Kroll)** | **Initial Valuation Grade (Moody's)** | **Final Valuation Grade (Moody's)** |
| 43681273 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A |
| 40302505 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A |
| 48091938 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 3 | 1 | 3 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A |
| 47888713 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 4 | 1 | 1 | 1 | 4 | 1 | 1 | 1 D A | A | A D | A | A D | A | A D | A | A |
| 46718606 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A C | N/A | N/A |
| 46165153 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A |
| 42028175 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 44968308 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 1 | 1 | N/A | N/A C | N/A | N/A C | N/A | N/A C | C | A C | C | A |
| 49512493 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A |
| 45101874 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A | A | A C | A | A C | A | A C | A | A |
| 43026404 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A |
| 44950690 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3 | 1 | 1 | 1 | 3 | 1 | N/A | N/A C | N/A | N/A C | N/A | N/A C | A | A C | A | A |
| 40361799 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 A | A | A | A | A | A | A | A | A |

---

## Exhibit 99.5

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.5 - Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 43681273 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | 12.79 | 53.43 | XXXXXX | XXXXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXXXX |
| 40302505 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | 16.22 | 60.16 | XXXXXX | XXXXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXXXX |
| 48091938 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1073 Individual Condo Report | XXXXXX | XXXXXX | XXXXXX | 13.89 | 66.23 | XXXXXX | XXXXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXXXX |
| 47888713 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 0 | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | 19.39 | 61.1 | XXXXXX | XXXXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXXXX |
| 46718606 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | 25.42 | 60.84 | XXXXXX | XXXXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | .0000 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 46165153 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | 41.6 | 75.0 | XXXXXX | XXXXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | .0000 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXXXX |
| 42028175 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | 8.55 | 79.97 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |
| 44968308 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1025 Small Residential Income Report | XXXXXX | XXXXXX | XXXXXX | 31.14 | 69.77 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 49512493 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1025 Small Residential Income Report | XXXXXX | XXXXXX | XXXXXX | 12.5 | 41.95 | XXXXXX | XXXXXX |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 45101874 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | 9.26 | 46.3 | XXXXXX | XXXXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | .0000 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 43026404 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1025 Small Residential Income Report | XXXXXX | XXXXXX | XXXXXX | 15.38 | 63.38 | XXXXXX | XXXXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | .0000 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 44950690 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1025 Small Residential Income Report | XXXXXX | XXXXXX | XXXXXX | 13.75 | 67.32 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 40361799 | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | 37.57 | 70.0 | XXXXXX | XXXXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | .0000 | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.5

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.5 - Schedule 4**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 43681273 | XXXXXX | XXXXXX | XXXXXX | Sales Price | XXXXXX | XXXXXX | XXXXXX |
| 44968308 | XXXXXX | XXXXXX | XXXXXX | Loan Type | XXXXXX | XXXXXX | XXXXXX |
| 44968308 | XXXXXX | XXXXXX | XXXXXX | Qualifying CLTV | XXXXXX | XXXXXX | XXXXXX |
| 44968308 | XXXXXX | XXXXXX | XXXXXX | Calculated DSCR | XXXXXX | XXXXXX | XXXXXX |
| 49512493 | XXXXXX | XXXXXX | XXXXXX | Qualifying Total Debt Income Ratio | XXXXXX | XXXXXX | XXXXXX |
| 45101874 | XXXXXX | XXXXXX | XXXXXX | Application Date | XXXXXX | XXXXXX | XXXXXX |
| 40361799 | XXXXXX | XXXXXX | XXXXXX | Property Type | XXXXXX | XXXXXX | XXXXXX |
| 40361799 | XXXXXX | XXXXXX | XXXXXX | Lien Position | XXXXXX | XXXXXX | XXXXXX |
| 40361799 | XXXXXX | XXXXXX | XXXXXX | Amount of Other Lien | XXXXXX | XXXXXX | XXXXXX |
| 40361799 | XXXXXX | XXXXXX | XXXXXX | Verified Doc Type | XXXXXX | XXXXXX | XXXXXX |
| 40361799 | XXXXXX | XXXXXX | XXXXXX | Final Reviewed QM Status | XXXXXX | XXXXXX | XXXXXX |

---

## Exhibit 99.5

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.5 - Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 107 | 108 | 109 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 242 | 243 | 244 | 245 | 246 | 247 | 248 | 249 | 250 | 251 | 252 | 253 | 254 | 255 | 256 | 257 | 258 | 259 | 260 | 261 | 262 | 263 | 264 | 265 | 266 | 267 | 268 | 269 | 270 | 271 | 272 | 273 | 274 | 275 | 276 | 277 | 278 | 279 | 280 | 281 | 282 | 283 | 284 | 285 | 286 | 287 | 288 | 289 | 290 | 291 | 292 | 293 | 294 | 295 | 296 | 297 | 298 | 299 | 300 | 301 | 302 | 303 | 304 | 305 | 306 | 307 | 308 | 309 | 310 | 311 | 312 | 313 | 314 | 315 | 316 | 317 | 318 |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Default Interest Rate** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** | **Borrower1 SSN** | **Borrower2 SSN** | **Borrower 3 SSN** | **Borrower 4 SSN** | **First Time Homebuyer** | **Number of Units** | **Maturity Date** | **Note Type** | **Loan Type** | **Refinance Purpose** | **Borrower 1 Mailing Street Address** | **Borrower 1 Mailing City** | **Borrower 1 Mailing State** | **Borrower 1 Mailing Zip Code** | **Borrower 2 Mailing Street Address** | **Borrower 2 Mailing City** | **Borrower 2 Mailing State** | **Borrower 2 Mailing Zip Code** | **Borrower 3 Mailing Street** | **Borrower 3 Mailing City** | **Borrower 3 Mailing State** | **Borrower 3 Mailing Zip** | **Borrower 4 Mailing Street** | **Borrower 4 Mailing City** | **Borrower 4 Mailing Zip** | **Borrower 4 Mailing State** | **Prepay Penalty Calculation Description** | **Borrower 1 First Name** | **Borrower 1 Last Name** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 4 First Name** | **Borrower 4 Last Name** | **Borrower 1 Employer** | **Borrower 1 Position** | **Borrower 2 Employer** | **Borrower 2 Position** | **Borrower 3 Employer** | **Borrower 3 Position** | **Borrower 4 Employer** | **Borrower 4 Position** | **First Time Investor** | **Borrower 1 Years in Industry** | **Borrower 2 Years in Industry** | **Borrower 3 Years in Industry** | **Borrower 4 Years in Industry** | **Borrower 1 ITIN** | **Borrower 2 ITIN** | **Borrower 3 ITIN** | **Borrower 4 ITIN** | **Original Appraiser License Number** | **Original Appraiser Name** | **Property Location** | **Appraisal Company** | **Title Company Name** | **MERS MIN Number** |
| 43681273 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternate Income Documentation | 3497.50 | XXXXXX | 6.630% | Manual Underwriting | Manual Underwriting | No | 8.475% |  | 8.250% | 734.000% | XXXXXX | No |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | N/A |  | XXXXXX | XXXXXX |  | Annually | 35.98% | 35.98% | 35.98% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO | Borrower | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  | 734 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXXXX | United States | XXXXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXXX | 0 | XXXXXX | 26.8 | No | 53.43 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXXXX |  |  |  | false | 1 | XXXXXX | Fixed | Conventional | Cash Out - Other | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXXXX | XXXXXX |  |  |  |  |  |  | XXXXXX | XXXXXX |  |  |  |  |  |  |  | 20 |  |  |  | N/A |  |  |  | XXXXXX | XXXXXX | Suburban | XXXXXX | XXXXXX | XXXXXX |
| 40302505 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 9.250% | 9.250% | XXXXXX | No |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | N/A | XXXXXX | XXXXXX | XXXXXX |  | Monthly | 46.33% | 45.12% | 45.12% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | NA | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESCorp, SESCorp, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  | 730 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXXXX | United States | XXXXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXXX | 0 | XXXXXX | 37.9 | No | 60.16 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXXXX |  |  |  | false | 1 | XXXXXX | Fixed | Other | Cash Out - Other | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | 6 Months Interest | XXXXXX | XXXXXX |  |  |  |  |  |  | XXXXXX | XXXXXX |  |  |  |  |  |  | No | 30 |  |  |  | N/A |  |  |  | XXXXXX | XXXXXX | Suburban | XXXXXX | XXXXXX | XXXXXX |
| 48091938 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternate Income Documentation | 1790.00 | XXXXXX | 6.220% | Manual Underwriting | Manual Underwriting | No | 8.367% |  | 8.250% | 8.250% | XXXXXX | No |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | N/A |  |  | XXXXXX |  |  | 40.45% | 40.45% | 40.45% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 NA | No | No | 0 | No | Yes | Yes | 2 | 12 | Yes | Yes | 2 | 12 | 100.00% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 0 | Yes | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | Yes | Borrower - SECorporation, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Personal Bank Statements Verified, Business Bank Statements Verified, Lease Agreements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - SECorporation - CPA Letter Verified, 2 YRS Executed 4506T Verified, Personal Bank Statements Verified, Business Bank Statements Verified, Lease Agreements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  | 793 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXXXX | United States | XXXXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXXXX | United States | XXXXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXXX | 21 | XXXXXX | 21 | No | 66.23 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXXXX | XXXXXX |  |  | false | 1 | XXXXXX | Fixed | Conventional | Cash Out - Other | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  | N/A - Not investment property | 13 | 13 |  |  | N/A | N/A |  |  | XXXXXX | XXXXXX | Urban | XXXXXX | XXXXXX | XXXXXX |
| 47888713 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 8.875% | 8.875% | XXXXXX | No |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | N/A |  |  | XXXXXX |  |  | 26.03% | 26.03% | 26.03% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | N/A | 12 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | XXXXXX |  |  |  | Yes | 12 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | Yes | Borrower - SECorporation, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified, Personal Bank Statements Verified, Lease Agreements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  | 813 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXXXX | United States | XXXXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXXX | 0 | XXXXXX | 30.3 | No | 61.1 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXXXX |  |  |  | false | 1 | XXXXXX | Fixed | Conventional | Cash Out - Other | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXXXX | XXXXXX |  |  |  |  |  |  | XXXXXX | XXXXXX |  |  |  |  |  |  | No | 18 |  |  |  | N/A |  |  |  | XXXXXX | XXXXXX | Suburban | XXXXXX | XXXXXX | XXXXXX |
| 46718606 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternate Income Documentation | 10227.50 | XXXXXX | 6.270% | Manual Underwriting | Manual Underwriting | No | 8.589% |  | 8.375% | 8.375% | XXXXXX | No |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | N/A |  |  | XXXXXX |  |  | 46.41% | 46.41% | 46.41% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 1YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | XXXXXX | N/A | N/A | 0 | Yes | 240 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SECorporation, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  | 800 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXXXX | United States | XXXXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXXXX | United States | XXXXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXXX | 15.3 | XXXXXX | 76 | No | 60.84 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXXXX | XXXXXX |  |  | false | 1 | XXXXXX | Fixed | Conventional | Cash Out - Other | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  | N/A - Not investment property | 30 | 21 |  |  | N/A | N/A |  |  | XXXXXX | XXXXXX | Suburban | XXXXXX | XXXXXX | XXXXXX |
| 46165153 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 1790.00 | XXXXXX | 6.140% | Manual Underwriting | Manual Underwriting | No | 8.715% |  | 8.625% | 8.625% | XXXXXX | No |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | N/A |  |  | XXXXXX |  |  | 41.51% | 37.69% | 37.69% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | NA | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 0 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SEPartnership, SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2025"] - 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2025"] - 2025 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  | 728 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXXXX | United States | XXXXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXXX | 0 | XXXXXX | 19.7 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXXXX |  |  |  | false | 1 | XXXXXX | Fixed | Conventional | Cash Out - Other | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXXXX | XXXXXX |  |  |  |  |  |  | XXXXXX | XXXXXX |  |  |  |  |  |  | N/A - Not investment property | 22 |  |  |  | N/A |  |  |  | XXXXXX | XXXXXX | Suburban | XXXXXX | XXXXXX | XXXXXX |
| 42028175 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternate Income Documentation | 1790.00 | XXXXXX | 6.100% | Manual Underwriting | Manual Underwriting | No | 9.055% |  | 8.875% | 8.875% | XXXXXX | No |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | N/A |  |  | XXXXXX |  |  | 44.03% | 43.96% | 43.96% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | NA | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | XXXXXX |  |  |  | NA | 0 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - ["2025","2026"] - 2025, 2026 | Borrower - 2 YRS Executed 4506T Verified - ["2025","2026"] - 2025, 2026 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  | 785 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXXXX | United States | XXXXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXXX | 17.2 | XXXXXX | 17.2 | No | 79.97 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXXXX |  |  |  | false | 1 | XXXXXX | Fixed | Conventional | Cash Out - Other | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXXXX | XXXXXX |  |  |  |  |  |  | XXXXXX | XXXXXX |  |  |  |  |  |  | N/A - Not investment property | 30 |  |  |  | N/A |  |  |  | XXXXXX | XXXXXX | Suburban | XXXXXX | XXXXXX | XXXXXX |
| 44968308 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 9.250% | 9.250% | XXXXXX | Yes | 18.000% | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | N/A |  |  | XXXXXX |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.436 | 1.291 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  | 734 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXXXX | United States | XXXXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXXX | 0 | XXXXXX | 27.2 | No | 69.77 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXXXX |  |  |  | false | 2 | XXXXXX | Fixed | DSCR | Cash Out - Other | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | 3%, 3%, 3% | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | N/A |  |  |  | XXXXXX | XXXXXX | Suburban | XXXXXX | XXXXXX | XXXXXX |
| 49512493 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 9.125% | 9.125% | XXXXXX | No |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | N/A |  |  | XXXXXX |  |  | 31.66% | 29.97% | 29.97% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 25.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 180 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  | 728 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXXXX | United States | XXXXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXXX | 0 | XXXXXX | 0 | No | 41.95 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXXXX |  |  |  | false | 2 | XXXXXX | Fixed | Conventional | Cash Out - Other | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | 3%, 2%, 1% | XXXXXX | XXXXXX |  |  |  |  |  |  | XXXXXX | XXXXXX |  |  |  |  |  |  | No | 20 |  |  |  | N/A |  |  |  | XXXXXX | XXXXXX | Urban | XXXXXX | XXXXXX | XXXXXX |
| 45101874 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 9.125% | 9.125% | XXXXXX | No |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | N/A |  |  | XXXXXX |  |  | 36.39% | 36.38% | 36.38% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | N/A | 0 | 12 | No |  |  |  | 100.00% | 25.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 180 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  | No | Borrower - SECorporation, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  | 728 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXXXX | United States | XXXXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXXX | 0 | XXXXXX | 19.2 | No | 46.3 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXXXX |  |  |  | false | 1 | XXXXXX | Fixed | Conventional | Cash Out - Other | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | XXXXXX | XXXXXX |  |  |  |  |  |  | XXXXXX | XXXXXX |  |  |  |  |  |  | No | 20 |  |  |  | N/A |  |  |  | XXXXXX | XXXXXX | Suburban | XXXXXX | XXXXXX | XXXXXX |
| 43026404 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 9.625% | 9.625% | XXXXXX | No |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | N/A |  |  | XXXXXX |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.142 | 1.141 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  | 751 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXXXX | United States | XXXXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXXX | 0 | XXXXXX | 4 | No | 63.38 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXXXX |  |  |  | false | 3 | XXXXXX | Fixed | DSCR | Cash Out - Other | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | 3%, 2%, 1% | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | N/A |  |  |  | XXXXXX | XXXXXX | Suburban | XXXXXX | XXXXXX | XXXXXX |
| 44950690 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 9.500% | 9.500% | XXXXXX | No |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | N/A |  |  | XXXXXX |  |  | 42.02% | 42.02% | 42.02% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - SECorporation, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - ["2025"] - 2025 | Borrower - ["2025"] - 2025 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  | 723 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXXXX | United States | XXXXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXXX | 0 | XXXXXX | 19.9 | No | 67.32 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXXXX |  |  |  | false | 3 | XXXXXX | Fixed | Other | Cash Out - Other | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | 3%, 2%, 1% | XXXXXX | XXXXXX |  |  |  |  |  |  | XXXXXX | XXXXXX |  |  |  |  |  |  | No | 15 |  |  |  | N/A |  |  |  | XXXXXX | XXXXXX | Urban | XXXXXX | XXXXXX | XXXXXX |
| 40361799 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.875% | 8.875% | XXXXXX | No |  | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | N/A | XXXXXX | XXXXXX | XXXXXX |  | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  | 0 | 0 |  |  | 0 |  | Yes | 1.151 | 1.15 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  | 807 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXXXX | United States | XXXXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXXXX | 0 | XXXXXX | 0 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXXXX |  |  |  | false | 1 | XXXXXX | Fixed | DSCR | Cash Out - Other | XXXXXX | XXXXXX | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  | 5% | XXXXXX | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | N/A |  |  |  | XXXXXX | XXXXXX | Suburban | XXXXXX | XXXXXX | XXXXXX |

---

## Exhibit 99.6

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.6**

![](ex996001.jpg)

**Selene Diligence LLC ("Selene") Due <br> Diligence Review Narrative ("Report")**

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

**DESCRIPTION OF SERVICES:**

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

Selene Diligence LLC performed certain due diligence services described below on residential mortgage loans originated by numerous entities and obtained by Vista Point Mortgage, LLC ("Client"). The review was conducted between September 29 2025 and March 23 2026, via files imaged and provided for review (the "Review").

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

This Review consisted of 100% of the loan population.

**FINAL SECURITIZATION POPULATION**

Selene was instructed to perform a review on a population totaling 184 Closed-End Second (CES) loan for a total of 184 CES loan the "Final Securitization Population".

*<u>Credit Reviews (184):</u>*

During the Review, Selene performed a credit review on 184 mortgage loans in the Final Securitization Population.

*<u>Compliance Review (184)</u>*

During the Review, Selene performed a compliance review on 184 mortgage loans in the Final Securitization Population.

*<u>Valuation Reviews (184):</u>*

During the Review, Selene performed a property valuation review on 184 mortgage loans in the Final Securitization Population.

*<u>Data Integrity Review (184):</u>*

During the Review, Selene performed a Data Integrity Review on 184 mortgage loans in the Final Securitization Population.

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

After Selene's initial review was completed, the Client provided Selene with a confirmed list of 184 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;184 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Compliance Population | &nbsp;&nbsp;184 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Valuation Population | &nbsp;&nbsp;184 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Data Integrity Population | &nbsp;&nbsp;184 | &nbsp;&nbsp;100% |

---

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

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

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

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

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

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

**<u>GUIDELINES</u>**

Loan Eligibility Guidelines Equity Solutions, Cake Mortgage Corp. Loan Eligibility Guidelines, 5<sup>th</sup> Street Capital Underwriting Guidelines, Nations Direct Mortgage Underwriting Guidelines, Oaktree Eligibility Guidelines Equity Solutions (the "Guidelines").

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

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

Page **2** of **13**

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

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

**CREDIT REVIEW**

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

● 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;

● Analyzed asset statements to determine whether funds to close and reserves were within the Guidelines;

● Confirmed that credit scores (FICO) and credit histories were within the Guidelines.

**COMPLIANCE REVIEW**

Selene's compliance scope determined whether the mortgage loans comply with the Federal Truth in Lending Act, the Federal Real Estate Settlement Procedures Act, Sections 1098 and 1100A of Dodd Frank, Sections 1411 and 1412 of the Wall Street Reform and Consumer Protection Act, and the Equal Credit Opportunity Act.

**PROPERTY VALUATION REVIEW**

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

● **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.

● **Value Supported Analysis** 

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

Page **3** of **13**

**DATA INTEGRITY REVIEW**<br>

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

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

● Tape data is uploaded into the application;

● Loan Reviewer collects validated loan data;

● Each received data point is compared to its counterpart collected data point; and

● Discrepancies found during comparison are stored and reported.

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

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

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

With respect to the Final Securitization Population, Selene conducted (i) a Credit Review on 184 mortgage loans, (ii) a Compliance Review on 184 mortgage loans (iii) a Valuation Review on 184 mortgage loans, and (iv) a Data Integrity Review on 184 mortgage loans; the results of these reviews are discussed below. All grades shown below are based upon the NRSRO grading methodologies utilized by the NRSROs.

**REVIEW RESULTS SUMMARY**

After review of the 184 mortgage loans; 167 mortgage loans had a rating grade of A, 17 mortgage loan had a rating grade of B, 0 mortgage loans had a rating grade of C, and 0 mortgage loans had a rating grade of D.

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| | | | ***Grades per loan (184 overall loans):*** | ***Grades per loan (184 overall loans):*** | ***Grades per loan (184 overall loans):*** | | |
| | | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | &nbsp;&nbsp;**INITIAL RA GRADES - OVERALL** | | | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | <br>&nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO Grade** | <br>&nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;70 | &nbsp;&nbsp;70 | &nbsp;&nbsp;38.04% | &nbsp;&nbsp;A | &nbsp;&nbsp;167 | &nbsp;&nbsp;167 | &nbsp;&nbsp;90.76% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;10 | &nbsp;&nbsp;10 | &nbsp;&nbsp;5.43% | &nbsp;&nbsp;B | &nbsp;&nbsp;17 | &nbsp;&nbsp;17 | &nbsp;&nbsp;9.24% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;33 | &nbsp;&nbsp;33 | &nbsp;&nbsp;17.93% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;71 | &nbsp;&nbsp;71 | &nbsp;&nbsp;38.59% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

Page **4** of **13**

---

| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** | &nbsp;&nbsp;***Final Grades per loan broken out by compliance, credit and property:*** |
| | | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | &nbsp;&nbsp;**FINAL RA GRADES - COMPLIANCE** | | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** | &nbsp;&nbsp;**FINAL RA GRADES - CREDIT** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | <br>&nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;177 | &nbsp;&nbsp;177 | &nbsp;&nbsp;96.20% | &nbsp;&nbsp;A | &nbsp;&nbsp;175 | &nbsp;&nbsp;175 | &nbsp;&nbsp;95.11% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;7 | &nbsp;&nbsp;7 | &nbsp;&nbsp;3.80% | &nbsp;&nbsp;B | &nbsp;&nbsp;9 | &nbsp;&nbsp;9 | &nbsp;&nbsp;4.89% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
|  |  | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** | &nbsp;&nbsp;**FINAL RA GRADES - PROPERTY** |  |  |  |  |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**DBRS** | &nbsp;&nbsp;**S&P** | &nbsp;&nbsp;**%** |  |  |  |  |
| &nbsp;&nbsp;A | &nbsp;&nbsp;157 | &nbsp;&nbsp;157 | &nbsp;&nbsp;85.33% |  |  |  |  |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;1.63% |  |  |  |  |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |  |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |  |  |  |  |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;24 | &nbsp;&nbsp;24 | &nbsp;&nbsp;13.04% |  |  |  |  |

---

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

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

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

Page **5** of **13**

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

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

Selene furnished the following reports on this transaction:

1. Selene
Narrative Report

2. ASF
Report

3. Grading
Summary

4. Exception
Detail

5. Tape
Discrepancies

6. Valuations
Report

7. Supplemental
Data

8. Third
Party (TPR) Attestation Form

9. Attestation
Form 15E

Page **6** of **13**

**APPENDIX A – CREDIT REVIEW SCOPE**

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

**Credit Application**

For the Credit Application, Selene verified whether:

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

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

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

**Credit Report**

Selene verified:

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

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

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

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

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

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

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

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

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

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

**Employment and Income**

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;5. Financial
 statements

&nbsp;&nbsp;&nbsp;&nbsp;6. Award
 letters

&nbsp;&nbsp;&nbsp;&nbsp;7. Bank
 statements

Page **7** of **13**

**Asset Review**

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

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

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

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

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

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

**Hazard/Flood insurance** 

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

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

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

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

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

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

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

**Title**

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

**Fraud**

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

On this Fraud report Selene:

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

&nbsp;&nbsp;&nbsp;&nbsp;2. Reviewed
 for any social security number variations for the borrowers and confirm that the variations
 have been addressed in the loan file;

Page **8** of **13**

&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.

Page **9** of **13**

**APPENDIX B – COMPLIANCE REVIEW SCOPE**

Selene reviewed the loan 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.

Page **10** of **13**

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

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

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

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

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

Page **11** of **13**

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

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

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

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

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

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

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

**4.** **The disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas Constitution.** 

**5.** **Federal and state specific high-cost provisions, as further enumerated in Schedule 1, attached hereto.** 

Page **12** of **13**

**APPENDIX C – VALUATION REVIEW SCOPE**

Selene reviewed the valuation materials utilized during the origination of the loan which confirmed the value of the underlying property. Selene verified the appraisal report was (i) on the appropriate GSE form, (ii) materially complete, (iii) in conformity with the guideline requirements for the property type in question, (iv) completed by an appraiser that was actively licensed to perform the valuation, (v) completed such that the named client on the appraisal report is the lender or a related entity that is permitted to engage the lender per Title XI of FIRREA, (vi) made and signed prior to the final approval of the mortgage loan application, (vii) completed and dated within the guidelines restrictions, (vii) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities; and (viii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client of same.

If more than one valuation is provided for review, Selene confirmed consistency among the valuation products and if there are discrepancies that cannot be resolved, Selene created an exception and worked with the Client on the next steps, which may include ordering of additional valuation products such as collateral desktop analyses, broker's price opinions, and full appraisals. If the property valuation products included in Selene's review results in a variance of more than 10% then the Client shall be notified of such variance and a second independent valuation product shall be ordered. On all loans, Selene makes a determination as to whether appraised value is supported based on documentation available at the time of review and adds exceptions or comments as appropriate.

Selene confirmed consistency among the valuation products and where applicable, if there was a discrepancy in value between two appraisals in the form of a variance greater than 10%, Selene would review the file for a desktop analysts/evaluation of the appraisals and determine which appraised value was used for qualification purposes. If there were discrepancies that could not be resolved, Selene created an exception and worked with the client on the next steps for resolution.

Disclaimer

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

○ Selene makes no representation or warranty as to the value of any mortgaged property, notwithstanding that Selene may have reviewed valuation information for reasonableness.

○ Selene is not an 'AMC' (appraisal management company) and therefore Selene does not opine on the actual value of the underlying property.

● 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.

● Selene does not confirm whether the appraiser is on the Freddie Mac exclusionary list.

Page **13** of **13**

## Exhibit 99.6

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.6 - Schedule 1**

---

| | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** | **DBRS/Morningstar** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Kroll** | **S&P** | **Moodys** |
| 23905554 | XXXX | XXXX | XXXX C D | A | A | A | A D B | A | A | A | A B |
| 26116765 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A |
| 26247660 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A |
| 25708156 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A |
| 22899937 | XXXX | XXXX | XXXX D A | A | A | A | A D | A | A | A | A |
| 25932822 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A |
| 28342088 | XXXX | XXXX | XXXX D A | A | A | A | A D | A | A | A | A |
| 26608984 | XXXX | XXXX | XXXX D | A | A | A | A D | A | A | A | A |
| 24431604 | XXXX | XXXX | XXXX C A | A | A | A | A C | A | A | A | A |
| 26488988 | XXXX | XXXX | XXXX A | B | B | B | B A | B | B | B | B |
| 22528278 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A |
| 25259773 | XXXX | XXXX | XXXX C A | A | A | A | A C | A | A | A | A |
| 22959337 | XXXX | XXXX | XXXX D A | A | A | A | A D B | A | A | A | A B |
| 27348557 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A |
| 24654283 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A |
| 20812097 | XXXX | XXXX | XXXX C A | A | A | A | A C | A | A | A | A |
| 25609447 | XXXX | XXXX | XXXX D C | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| 24703235 | XXXX | XXXX | XXXX B A | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B |
| 23480148 | XXXX | XXXX | XXXX A B | A | A | A | A B | A | A | A | A |
| 29270442 | XXXX | XXXX | XXXX A B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A |
| 22251419 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A |
| 29592295 | XXXX | XXXX | XXXX D A | A | A | A | A D | A | A | A | A |
| 24366826 | XXXX | XXXX | XXXX D A | A | A | A | A D | A | A | A | A |
| 27486858 | XXXX | XXXX | XXXX A C | A | A | A | A C | A | A | A | A |
| 26621112 | XXXX | XXXX | XXXX A D | A | A | A | A D | A | A | A | A |
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| 24680970 | XXXX | XXXX | XXXX B A | A | A | A | A B | A | A | A | A B |
| 22408590 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A |
| 20465323 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A |
| 25090294 | XXXX | XXXX | XXXX A | D | D | D | D A | A | A | A | A |
| 23681074 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A |
| 25264862 | XXXX | XXXX | XXXX C A | A | A | A | A C | A | A | A | A |
| 24653191 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A |
| 22758607 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A |
| 29562563 | XXXX | XXXX | XXXX A D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| 21997749 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A |
| 25842759 | XXXX | XXXX | XXXX D A | A | A | A | A D | A | A | A | A |
| 25563759 | XXXX | XXXX | XXXX C A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| 21137572 | XXXX | XXXX | XXXX A D | A | A | A | A D | A | A | A | A |
| 29702124 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A |
| 28341802 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A |
| 28763405 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A |
| 28177485 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A |
| 25987521 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A |
| 25543916 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A |
| 21999149 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A |
| 28343512 | XXXX | XXXX | XXXX D | A | A | A | A D | A | A | A | A |
| 27232788 | XXXX | XXXX | XXXX A C | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A B |
| 23704296 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A |
| 25443348 | XXXX | XXXX | XXXX D A | A | A | A | A D | A | A | A | A |
| 20604242 | XXXX | XXXX | XXXX A D | A | A | A | A D | A | A | A | A |
| 22400768 | XXXX | XXXX | XXXX A C | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| 29106117 | XXXX | XXXX | XXXX A C | A | A | A | A C | A | A | A | A |
| 21266787 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A |
| 26824949 | XXXX | XXXX | XXXX D | D | D | D | D A | A | A | A | A |
| 21677974 | XXXX | XXXX | XXXX A C | A | A | A | A C | A | A | A | A |
| 26538251 | XXXX | XXXX | XXXX A C | A | A | A | A C | A | A | A | A |
| 20337964 | XXXX | XXXX | XXXX D A | A | A | A | A D | A | A | A | A |
| 21461198 | XXXX | XXXX | XXXX B A | C | C | C | C B A | A | A | A | A B |
| 28081273 | XXXX | XXXX | XXXX C A | A | A | A | A C | A | A | A | A |
| 25380271 | XXXX | XXXX | XXXX C A | A | A | A | A C | A | A | A | A |
| 23280556 | XXXX | XXXX | XXXX D C | A | A | A | A D | A | A | A | A |
| 21543456 | XXXX | XXXX | XXXX A D | A | A | A | A D | A | A | A | A |
| 21175932 | XXXX | XXXX | XXXX D B | A | A | A | A D B | A | A | A | A B |
| 26591954 | XXXX | XXXX | XXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 26313423 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A |
| 24733228 | XXXX | XXXX | XXXX D C | D | D | D | D A | A | A | A | A |
| 21625753 | XXXX | XXXX | XXXX A B | A | A | A | A B | A | A | A | A |
| 24530489 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A |
| 20395610 | XXXX | XXXX | XXXX D A | A | A | A | A D | A | A | A | A |
| 26176204 | XXXX | XXXX | XXXX D A | A | A | A | A D | A | A | A | A |
| 25557703 | XXXX | XXXX | XXXX A C | A | A | A | A C | A | A | A | A |
| 26241271 | XXXX | XXXX | XXXX C B | B | B | B | B C A | B | B | B | B |
| 27539251 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A |
| 27604005 | XXXX | XXXX | XXXX D A | A | A | A | A D | A | A | A | A |
| 23545716 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A |
| 26813994 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A |
| 25156842 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A |
| 28883534 | XXXX | XXXX | XXXX D | A | A | A | A D | A | A | A | A |
| 25833296 | XXXX | XXXX | XXXX A B | A | A | A | A B | A | A | A | A |
| 25920915 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A |
| 26268934 | XXXX | XXXX | XXXX A D | A | A | A | A D | A | A | A | A |
| 23294859 | XXXX | XXXX | XXXX A D | A | A | A | A D | A | A | A | A |
| 23974182 | XXXX | XXXX | XXXX D | C | C | C | C D A | A | A | A | A |
| 23200860 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A |
| 24812786 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A |
| 22887308 | XXXX | XXXX | XXXX A C | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| 21730607 | XXXX | XXXX | XXXX C D | D | D | D | D A | A | A | A | A |
| 24863153 | XXXX | XXXX | XXXX D C | A | A | A | A D | A | A | A | A |
| 28766408 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A |
| 20146917 | XXXX | XXXX | XXXX C B | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| 29478507 | XXXX | XXXX | XXXX C A | A | A | A | A C | A | A | A | A |
| 29041101 | XXXX | XXXX | XXXX D C | D | D | D | D A | A | A | A | A |
| 23298804 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A |
| 29260623 | XXXX | XXXX | XXXX A C | A | A | A | A C | A | A | A | A |
| 23702896 | XXXX | XXXX | XXXX A C | A | A | A | A C | A | A | A | A |
| 21665183 | XXXX | XXXX | XXXX A | A | A | A | A | A | A | A | A |
| 22964342 | XXXX | XXXX | XXXX A B | A | A | A | A B | A | A | A | A |
| 27558101 | XXXX | XXXX | XXXX C A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| 26352043 | XXXX | XXXX | XXXX D A | A | A | A | A D | A | A | A | A |
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| 28499708 | XXXX | XXXX | XXXX C A | A | A | A | A C | A | A | A | A |

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## Exhibit 99.6

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.6 - Schedule 2**

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| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller** | **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| XXXX | 23905554 | XXXX | XXXX | Closed | 2025-10-06 09:09 | 2025-12-30 11:35 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Copy of the check and proof of sent. - Seller-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Completed - Seller-XX/XX/XXXX <br> Open-The Deed of Trust is Incomplete Missing DOT signed with updated Notary date, current notary date shows a year of XXXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Copy of the check and proof of sent. - Seller-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Completed - Seller-XX/XX/XXXX | Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-XX/XX/XXXX | XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX.pdf<br> XXXXXXXXXXXXXX.pdf<br> XXXXXXXXXXXXX.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5784064 | N/A | N/A |
| XXXX | 23905554 | XXXX | XXXX | Closed | 2025-10-06 05:57 | 2025-12-02 11:55 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Cured-Documents received which include PCCD and refund to borrower. - Due Diligence Vendor-XX/XX/XXXX <br> Resolved- - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br> Counter-Missing PCCD and LOX sent the borrower. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Buyer-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XXX.XX) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX |  | Cured-Documents received which include PCCD and refund to borrower. - Due Diligence Vendor-XX/XX/XXXX | XXXXXXXXXXXXXXXXXXXXXXXX.pdf<br> XXXXXXXXXXXXXXXX.pdf<br> XXXXXXXXXXXXXXXX.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5780259 | N/A | N/A |
| XXXX | 23905554 | XXXX | XXXX | Closed | 2025-11-13 08:02 | 2025-11-17 09:02 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Minimum FICO of XXX required on loan amounts exceeding $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. The exception was submitted with full file. I have included the guideline for your review. - Seller-XX/XX/XXXX <br> Open-Audited Loan Amount of $XXXXXX is greater than the Guideline Maximum Loan Amount of $XXXXXX Max loan amount per the matrix is $XXX,XXX, listed for anything higher it is a case by case basis. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. The exception was submitted with full file. I have included the guideline for your review. - Seller-XX/XX/XXXX | Waived-Minimum FICO of XXX required on loan amounts exceeding $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX | XXXXXXXXXXXXXXXXXX.pdf<br> XXXXXXXXXXXXXXXXXXXXXXXXX.pdf |  | Self employed X+ years, required X years.<br> Residual income $XX,XXX.XX | CA | Primary Residence | Refinance | Cash Out - Other | 6237364 | Originator Post-Close | Yes |
| XXXX | 23905554 | XXXX | XXXX | Closed | 2025-10-06 06:35 | 2025-11-13 08:03 | Resolved | 1 - Information C A | Credit | Eligibility | Audited FICO is less than Guideline requirements | Resolved-Finding resolved, matrix shows sufficient FICO score. - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-Audited FICO of XXX is greater than or equal to Guideline FICO of XXX - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Loan is alt doc - bank statements. The MAX LTV is XX% for owner occupied for this HELOC Program with ALT DOC - bank statements.<br>See attached Guidelines for this program. - Buyer-XX/XX/XXXX <br> Open-Audited FICO of XXX is less than Guideline FICO of XXX Please clarify exception provided, matrix lists lowest fico allowed is XXX for loans above $XXX,XXX with an LTV of XX% required. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Finding resolved, matrix shows sufficient FICO score. - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-Audited FICO of XXX is greater than or equal to Guideline FICO of XXX - Due Diligence Vendor-XX/XX/XXXX | XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5780789 | N/A | N/A |
| XXXX | 23905554 | XXXX | XXXX | Closed | 2025-10-06 08:27 | 2025-11-12 08:39 | Resolved | 1 - Information C A | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Resolved-Delinquent Credit History Does Not Meet Guideline Requirements Received documentation showing collection paid off, finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Borrower paid all collections in full prior to loan closing. They do not have an impact on the loan as such - Buyer-XX/XX/XXXX <br> Open-Delinquent Credit History Does Not Meet Guideline Requirements Credit report lists open collections that have above $X,XXX. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Delinquent Credit History Does Not Meet Guideline Requirements Received documentation showing collection paid off, finding resolved. - Due Diligence Vendor-XX/XX/XXXX | XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX.pdf<br> XXXXXXXXXXXXXXXXXXXXXXXXXXXXX.pdf<br> XXXXXXXXXXXXXXXXXXX.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 5783049 | N/A | N/A |
| XXXX | 26247660 | XXXX | XXXX | Closed | 2025-11-12 00:04 | 2025-11-12 06:41 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) Resolved. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, Escrow Waiver disclosures and loan information is on Pg#'s XXX, and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) Resolved. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, Escrow Waiver disclosures and loan information is on Pg#'s XXX, and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6218699 | N/A | N/A |
| XXXX | 26247660 | XXXX | XXXX | Closed | 2025-11-12 00:04 | 2025-11-12 06:41 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) Resolved. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, Escrow Waiver disclosures and loan information is on Pg#'s XXX, and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) Resolved. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, Escrow Waiver disclosures and loan information is on Pg#'s XXX, and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6218700 | N/A | N/A |
| XXXX | 25708156 | XXXX | XXXX | Closed | 2025-11-18 05:01 | 2025-11-21 06:32 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Xnd lien, no escrows and the Final Closing disclosure on Pg#XXX s, Rate lock date was entered correctly – see Pg# XXX', An interior and exterior appraisal was completed for this property – see pg# XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXX and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Xnd lien, no escrows and the Final Closing disclosure on Pg#XXX s, Rate lock date was entered correctly – see Pg# XXX', An interior and exterior appraisal was completed for this property – see pg# XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXX and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6285618 | N/A | N/A |
| XXXX | 25708156 | XXXX | XXXX | Closed | 2025-11-18 05:01 | 2025-11-21 06:32 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Xnd lien, no escrows and the Final Closing disclosure on Pg#XXX s, Rate lock date was entered correctly – see Pg# XXX', An interior and exterior appraisal was completed for this property – see pg# XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXX and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Xnd lien, no escrows and the Final Closing disclosure on Pg#XXX s, Rate lock date was entered correctly – see Pg# XXX', An interior and exterior appraisal was completed for this property – see pg# XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXX and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6285619 | N/A | N/A |
| XXXX | 22899937 | XXXX | XXXX | Closed | 2025-11-26 21:42 | 2025-12-04 05:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Resolved. Lender provided updated approval showing doc type as business bank statement. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Please see attached Lock Confirmation Document and Conditional Loan Approval confirming subject loan program is a XX mos. Business Bank Statements program. Please clear this finding. - Seller-XX/XX/XXXX <br> Counter-Remains. Per the loan approval on page XXX the doc type is Full Documentation. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-I disagree. The requirement for self-employed verification of existence of business within XX days of the note date applies only to Full Doc Loans. X.X.X Other Requirements is under the Full Doc for Stand Alone thus this does not apply to a XX mos. Business Bank Statement loan program. Please clear this finding. - Seller-XX/XX/XXXX <br> Open-Borrower X Xrd Party VOE Prior to Close Missing Borrower is Qualifying with XX-Months bank statement income and Xrd party verification is missing in file. Have CPA letter dated XX/XX/XXXX and Secretary of State filing dated XX/XX/XXXX. Missing recent Xrd party proof of business. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached Lock Confirmation Document and Conditional Loan Approval confirming subject loan program is a XX mos. Business Bank Statements program. Please clear this finding. - Seller-XX/XX/XXXX <br> Ready for Review-I disagree. The requirement for self-employed verification of existence of business within XX days of the note date applies only to Full Doc Loans. X.X.X Other Requirements is under the Full Doc for Stand Alone thus this does not apply to a XX mos. Business Bank Statement loan program. Please clear this finding. - Seller-XX/XX/XXXX | Resolved-Resolved. Lender provided updated approval showing doc type as business bank statement. - Due Diligence Vendor-XX/XX/XXXX | XXXXX XXXX XXXXXXXXXXX XXXXXXXX XXXXXX - XX-XX.XXX<br> XXXXX XXXX XXXX XXXXXXXXXXXX XXXXXXXX.XXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6412267 | N/A | N/A |
| XXXX | 22899937 | XXXX | XXXX | Closed | 2025-11-26 22:37 | 2025-12-04 05:39 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Open- - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow waiver disclosures and loan information is on Pg#'s XXX, and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow waiver disclosures and loan information is on Pg#'s XXX, and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6412379 | N/A | N/A |
| XXXX | 22899937 | XXXX | XXXX | Closed | 2025-11-26 22:37 | 2025-12-04 05:39 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Open- - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow waiver disclosures and loan information is on Pg#'s XXX, and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow waiver disclosures and loan information is on Pg#'s XXX, and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6412378 | N/A | N/A |
| XXXX | 28342088 | XXXX | XXXX | Closed | 2025-12-08 07:17 | 2026-01-09 11:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-Resolved. Client clarification received on the GAP credit. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. The Final DV delivered with the loan file had the UDM monitoring started on XX/X/XXXX, which is within XX days of closing. Please refer to page XX of the attached DV.<br>- Seller-XX/XX/XXXX <br> Open-Borrower X Gap Credit Report is Missing Section X.X of guidelines states the requirement for a gap credit report or UDN within XX days of closing. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. The Final DV delivered with the loan file had the UDM monitoring started on XX/X/XXXX, which is within XX days of closing. Please refer to page XX of the attached DV.<br>- Seller-XX/XX/XXXX | Resolved-Borrower X Gap Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-Resolved. Client clarification received on the GAP credit. - Due Diligence Vendor-XX/XX/XXXX | XXXXXXXXXX XXXXXX Final DV.XXX |  |  | CA | Investment | Refinance | Cash Out - Other | 6526088 | N/A | N/A |
| XXXX | 28342088 | XXXX | XXXX | Closed | 2025-12-08 00:04 | 2025-12-09 00:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Mortgage statement provided. Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. The requested document was included in the delivered loan file. Please refer to page XXX-XXX and attached herein. - Seller-XX/XX/XXXX <br> Open-The file is missing the required documentation to confirm the first lien's balance, payment, etc. Provide a copy of the first lien note, mortgage, etc for XXX XXXXXXXX XX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. The requested document was included in the delivered loan file. Please refer to page XXX-XXX and attached herein. - Seller-XX/XX/XXXX | Resolved-Mortgage statement provided. Resolved<br> - Due Diligence Vendor-XX/XX/XXXX | XXXXXXXXXX XXXXXX XXX XXXXXXXX XXX XXXX XXX.XXX |  |  | CA | Investment | Refinance | Cash Out - Other | 6522421 | N/A | N/A |
| XXXX | 26608984 | XXXX | XXXX | Closed | 2025-12-16 01:33 | 2025-12-17 05:26 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-Deed of Trust provided. Resolved - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Please see attached - XXXXXX-XX/XX/XXXX <br> Open-The Deed of Trust is Missing. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - XXXXXX-XX/XX/XXXX | Resolved-Deed of Trust provided. Resolved - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX | XXX.XXX |  |  | CA | Investment | Refinance | Cash Out - Other | 6637539 | N/A | N/A |
| XXXX | 26608984 | XXXX | XXXX | Closed | 2025-12-16 03:03 | 2025-12-17 03:37 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Requested Final CD provided, updated & condition resolved. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br> Resolved-TRID: Final Closing Disclosure Provided - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br> Open-TRID: Missing Final Closing Disclosure Final CD is missing. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX | Resolved-Requested Final CD provided, updated & condition resolved. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br> Resolved-TRID: Final Closing Disclosure Provided - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX | XXXXX XXXXXXXX XX.XXX |  |  | CA | Investment | Refinance | Cash Out - Other | 6637943 | N/A | N/A |
| XXXX | 26608984 | XXXX | XXXX | Closed | 2025-12-16 01:30 | 2025-12-17 03:33 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Note is Missing | Resolved-Requested Note Document provided, updated & condition resolved. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br> Resolved-The Note is Present - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Please see attached - XXXXXX-XX/XX/XXXX <br> Open-The Note is Missing - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - XXXXXX-XX/XX/XXXX | Resolved-Requested Note Document provided, updated & condition resolved. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br> Resolved-The Note is Present - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX | XXXX.XXX |  |  | CA | Investment | Refinance | Cash Out - Other | 6637531 | N/A | N/A |
| XXXX | 26608984 | XXXX | XXXX | Closed | 2025-12-16 02:55 | 2025-12-17 02:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Borrower is qualifying with employment & income hence business purpose affidavit disclosure is not required hence condition resolved. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br> Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is Conventional.) - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br> Ready for Review-Loan is not DSCR and Business Purpose Affidavit not required - XXXXXX-XX/XX/XXXX <br> Open-The XXXX Page Loan Type is 'Conventional' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Business Purpose Affidavit/ Occupancy affidavit is Missing - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Loan is not DSCR and Business Purpose Affidavit not required - XXXXXX-XX/XX/XXXX | Resolved-Borrower is qualifying with employment & income hence business purpose affidavit disclosure is not required hence condition resolved. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br> Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is Conventional.) - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX |  |  |  | CA | Investment | Refinance | Cash Out - Other | 6637871 | N/A | N/A |
| XXXX | 24431604 | XXXX | XXXX | Closed | 2025-12-11 03:53 | 2025-12-15 14:15 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Expiration Date is before the Note Date | Resolved-Resolved. Lender provided the current term HOI. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Please see attached HOI - XXXXXX-XX/XX/XXXX <br> Open-Hazard Insurance Expiration Date of XX-XX-XXXX is prior to or equal to the Note Date of XX-XX-XXXX The Hazard insurance expired X/XX/XX and the note date is XX/X/XX. Missing current copy of hazard insurance. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached HOI - XXXXXX-XX/XX/XXXX | Resolved-Resolved. Lender provided the current term HOI. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX | XXXXXXXXXX XXXXX XXX XXX XXX XXXXXXXX.XXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6580144 | N/A | N/A |
| XXXX | 24431604 | XXXX | XXXX | Closed | 2025-12-11 04:43 | 2025-12-18 06:59 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-Resolved. The loan meets HPML guidelines. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br> Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the XXXXXXXXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Xxx. Xxx. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) Resolved. The loan meets HPML guidelines. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXX and the Final Closing disclosure on Pg#XX-XX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX. An interior and exterior appraisal was completed for this property – see pg#XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXX, and confirmation the appraisal was delivered to the borrower – see Pg#XX. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX |  | Resolved-Resolved. The loan meets HPML guidelines. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br> Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the XXXXXXXXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Xxx. Xxx. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) Resolved. The loan meets HPML guidelines. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXX and the Final Closing disclosure on Pg#XX-XX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX. An interior and exterior appraisal was completed for this property – see pg#XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXX, and confirmation the appraisal was delivered to the borrower – see Pg#XX. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6580429 | N/A | N/A |
| XXXX | 24431604 | XXXX | XXXX | Closed | 2025-12-11 04:43 | 2025-12-18 06:59 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-Resolved. The loan meets HPML guidelines. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br> Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) Resolved. The loan meets HPML guidelines. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXX and the Final Closing disclosure on Pg#XX-XX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX. An interior and exterior appraisal was completed for this property – see pg#XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXX, and confirmation the appraisal was delivered to the borrower – see Pg#XX. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX |  | Resolved-Resolved. The loan meets HPML guidelines. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br> Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) Resolved. The loan meets HPML guidelines. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXX and the Final Closing disclosure on Pg#XX-XX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX. An interior and exterior appraisal was completed for this property – see pg#XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXX, and confirmation the appraisal was delivered to the borrower – see Pg#XX. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6580430 | N/A | N/A |
| XXXX | 26488988 | XXXX | XXXX | Closed | 2025-12-11 02:46 | 2025-12-12 10:06 | Waived | 2 - Non-Material B | Property | Property | Property has been listed for sale in the past 6 months | Waived-New appraisal needed for the property cannot be listed for sale last 6 months and we have UW exception for the same at page #XXX. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX |  | Waived-New appraisal needed for the property cannot be listed for sale last 6 months and we have UW exception for the same at page #XXX. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX |  |  | Borrower Housing History is 0X30, 24+ Months. Housing History required per guidelines is 0X30, 12 months. Per CBR borrower has 61 months reviewed on Primary residence with 0 late pays. <br> Borrower has 0x30 credit history 24months.<br> Borrower has 4 years + in Primary residence. Actual 13 years. | FL | Investment | Refinance | Cash Out - Other | 6579730 | Originator Pre-Close | Yes |
| XXXX | 25259773 | XXXX | XXXX | Closed | 2025-12-16 01:12 | 2026-01-05 07:37 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI Requirements | Resolved-Audited DTI of XX.XX% is less than or equal to Guideline DTI of XX% - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br> Resolved-DTI matches, Updated income worksheet and PCCD provided with pay off amounts. Resolved - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-Audited DTI of XX.XX% exceeds Guideline DTI of XX% Calculated DTI XX.XX% exceeds guideline DTI of XX%. Gap has tradeline XXXX XXX xxXXXX with monthly payment of $XXX, Final CD did not payoff in full Gap Report XXXXXXX XXX xxXXXX updated balance $X,XXX / X% balance difference $XX.XX monthly payment. Mortgage Statement Escrow tax/hoi $XXX.XX lower than current property tax $XXX.XX and HOI $XXX.XX. Audited Monthly Income $X,XXX.XX. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Resolved-Audited DTI of XX.XX% is less than or equal to Guideline DTI of XX% - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br> Resolved-DTI matches, Updated income worksheet and PCCD provided with pay off amounts. Resolved - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX | LOE - income and taxes.XXX<br> PCCD XXXXX.XXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6637419 | N/A | N/A |
| XXXX | 22959337 | XXXX | XXXX | Closed | 2025-12-17 01:02 | 2026-01-27 11:27 | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Waived-Lender provided a copy of the deed of trust to confirm the loan is fixed rate. Have current mortgage statement as well. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br> Counter-The Deed of Trust is not sufficient. Section X.X of XXX guidelines state a copy of the note is required. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Please see attached Deed which confirms that the 1st lien is a Fixed Rate Loan. We point out that the DOT shows that there was no ARM or Balloon Rider recorded with the Mortgage. It is our position that the supplied Mortgage Statement, along with the DOT, is sufficient to determine the terms of the 1st lien. - Seller-XX/XX/XXXX <br> Counter-Not cleared. The note is required to verify the type of amortization. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br> Ready for Review-XXX guidelines dated X/X/XX, X Senior Lien Documentation Requirements do not stipulate the Note; Section X.X is for ineligible Liens. Therefore as per the Documentation Requirements it is not required. The mortgage statement for this Senior Lien provides all the required information needed to determine its eligibility. <br>X Senior Lien Documentation Requirements:<br> Stand-Alone XXX:<br> • Current (within XX days) first mortgage statement showing,<br> o Current principal balance.<br> o Fully amortized.<br> o Term.<br> • HOA statement (if applicable).<br> • HOI, flood insurance (if applicable), flood cert.<br> - Seller-XX/XX/XXXX <br> Counter-Not cleared. XXX guidelines dated X/X/XX, Section X.X Ineligible Liens states A copy of the most current 1st mortgage statement and a copy of the note is required to determine eligibility. Additional 1st mortgage documentation may be required to provide sufficient data for underwriting. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br> Ready for Review-The XXX guidelines do not stipulate for the Note. for a Stand-Alone XXX the guidelines require: <br> • Current (within XX days) first mortgage statement showing,<br> o Current principal balance.<br> o Fully amortized.<br> o Term.<br> • HOA statement (if applicable).<br> • HOI, flood insurance (if applicable), flood cert.<br> All of which are verified on the mortgage statement. <br> - Seller-XX/XX/XXXX <br> Open-Per guidelines section X.X, A copy of the most current 1st mortgage statement and a copy of the note is required to determine eligibility. Have a copy of the mortgage statement, but missing a copy of the note. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached Deed which confirms that the 1st lien is a Fixed Rate Loan. We point out that the DOT shows that there was no ARM or Balloon Rider recorded with the Mortgage. It is our position that the supplied Mortgage Statement, along with the DOT, is sufficient to determine the terms of the 1st lien. - Seller-XX/XX/XXXX <br> Ready for Review-XXX guidelines dated X/X/XX, X Senior Lien Documentation Requirements do not stipulate the Note; Section X.X is for ineligible Liens. Therefore as per the Documentation Requirements it is not required. The mortgage statement for this Senior Lien provides all the required information needed to determine its eligibility. <br>X Senior Lien Documentation Requirements:<br> Stand-Alone XXX:<br> • Current (within XX days) first mortgage statement showing,<br> o Current principal balance.<br> o Fully amortized.<br> o Term.<br> • HOA statement (if applicable).<br> • HOI, flood insurance (if applicable), flood cert.<br> - Seller-XX/XX/XXXX <br> Ready for Review-The XXX guidelines do not stipulate for the Note. for a Stand-Alone XXX the guidelines require: <br> • Current (within XX days) first mortgage statement showing,<br> o Current principal balance.<br> o Fully amortized.<br> o Term.<br> • HOA statement (if applicable).<br> • HOI, flood insurance (if applicable), flood cert.<br> All of which are verified on the mortgage statement. <br> - Seller-XX/XX/XXXX | Waived-Lender provided a copy of the deed of trust to confirm the loan is fixed rate. Have current mortgage statement as well. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX | DOT 1st Lien.XXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6656949 | Originator Post-Close | No |
| XXXX | 22959337 | XXXX | XXXX | Closed | 2025-12-16 20:13 | 2026-01-22 12:44 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-The loan meets XXXX Guidelines and is a Compliant XXXX loan. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br> Resolved-This is a California Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XX.XXX%) equals or exceeds the California XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) Resolved. The loan meets XXXX guidelines. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, and loan information is on Pg#XXX and the Final Closing disclosure on Pg#XX. Rate lock date was entered correctly – see Pg#XXX , An interior and exterior appraisal was completed for this property – see pg#XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXX and confirmation the appraisal was delivered to the borrower – see Pg#'s XX. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX |  | Resolved-The loan meets XXXX Guidelines and is a Compliant XXXX loan. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br> Resolved-This is a California Higher-Priced Mortgage Loan (XXXX). The loan's APR of (XX.XXX%) equals or exceeds the California XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) Resolved. The loan meets XXXX guidelines. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, and loan information is on Pg#XXX and the Final Closing disclosure on Pg#XX. Rate lock date was entered correctly – see Pg#XXX , An interior and exterior appraisal was completed for this property – see pg#XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXX and confirmation the appraisal was delivered to the borrower – see Pg#'s XX. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6654180 | N/A | N/A |
| XXXX | 22959337 | XXXX | XXXX | Closed | 2025-12-16 20:13 | 2026-01-22 12:44 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan meets XXXX Guidelines and is a Compliant XXXX loan. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br> Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) Resolved. The loan meets XXXX guidelines. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, and loan information is on Pg#XXX and the Final Closing disclosure on Pg#XX. Rate lock date was entered correctly – see Pg#XXX , An interior and exterior appraisal was completed for this property – see pg#XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXX and confirmation the appraisal was delivered to the borrower – see Pg#'s XX. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX |  | Resolved-The loan meets XXXX Guidelines and is a Compliant XXXX loan. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br> Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) Resolved. The loan meets XXXX guidelines. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, and loan information is on Pg#XXX and the Final Closing disclosure on Pg#XX. Rate lock date was entered correctly – see Pg#XXX , An interior and exterior appraisal was completed for this property – see pg#XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXX and confirmation the appraisal was delivered to the borrower – see Pg#'s XX. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6654181 | N/A | N/A |
| XXXX | 20812097 | XXXX | XXXX | Closed | 2025-12-19 05:50 | 2025-12-23 04:04 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Updated credit report with corrected scores provided. Updated & resolved. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br> Resolved-Validation Resolved - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Please see updated credit report from u/w that was not delivered in initial submission s/b XXX - Seller-XX/XX/XXXX <br> Open-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' using Lowest Mid score for Fico method - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see updated credit report from u/w that was not delivered in initial submission s/b XXX - Seller-XX/XX/XXXX | Resolved-Updated credit report with corrected scores provided. Updated & resolved. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br> Resolved-Validation Resolved - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX | XXXXXXX-XXX_ XXXX - XXXXXX XXXXXX.XXX.XXX |  |  | VA | Investment | Refinance | Cash Out - Other | 6701687 | N/A | N/A |
| XXXX | 25609447 | XXXX | XXXX | Closed | 2025-12-21 22:51 | 2025-12-23 03:47 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Resolved, received post CD. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br> Resolved- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX <br> Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br> Open-The loan disbursement date (XXXX-XX-XX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, XX CFR XXXX.XX(c) and Official Staff Commentary) - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX | Resolved-Resolved, received post CD. - XXX XXXXXXXXX XXXXXXX-XX/XX/XXXX | XXXXXXXX_PCCD_XXXX.XXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6728418 | N/A | N/A |
| XXXX | 25609447 | XXXX | XXXX | Closed | 2025-12-21 21:46 | 2025-12-23 01:09 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX <br> Open-Borrower X Xrd Party VOE Prior to Close Missing Guidelines: For self-employed verify existence of business within XX-days of the note date with one of <br> the following:<br> o Letter from business tax professional. (Not in file)<br> o On-line verification from regulatory agency or licensing bureau. (Not dated within XX days.)<br> o Certification verifying business existence through direct contact or internet search (Not in file) - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Uploaded - Seller-XX/XX/XXXX | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX | XXXXXXXX_XXXXXXXX XXXXXX_XXXX.XXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6728128 | N/A | N/A |
| XXXX | 24703235 | XXXX | XXXX | Closed | 2025-12-20 02:14 | 2025-12-22 08:41 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV Requirements | Waived-Audited CLTV of XX% exceeds Guideline CLTV of XX% Waived. Exception in file for LTV. - Due Diligence Vendor-XX/XX/XXXX |  | Waived-Audited CLTV of XX% exceeds Guideline CLTV of XX% Waived. Exception in file for LTV. - Due Diligence Vendor-XX/XX/XXXX |  |  | XX.XX% DTI is below the maximum XX% DTI by X.XX%.<br> Borrower has been employed at current job for XX years. <br> Borrower has been employed in same career for X years. | FL | Investment | Refinance | Cash Out - Other | 6722381 | Investor Post-Close | No |
| XXXX | 23480148 | XXXX | XXXX | Closed | 2025-12-19 02:33 | 2025-12-23 04:29 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Resolved-Resolved. Lender provided Anti-Steering disclosure. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Please see attached signed Anti-Steering-Disclosure - Seller-XX/XX/XXXX <br> Open-Broker fee is marked as paid by lender, this requires an Anti-Steering Disclosure, but indicator is not selected as Present. Review this requirement. Broker fee is marked as paid by lender, Anti-Steering disclosure is missing in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached signed Anti-Steering-Disclosure - Seller-XX/XX/XXXX | Resolved-Resolved. Lender provided Anti-Steering disclosure. - Due Diligence Vendor-XX/XX/XXXX | XXXXXXXXXX XXXXXXXXXXX XX XXXXXXXXXXXXXXXXXXXXXXXXX.XXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6700343 | N/A | N/A |
| XXXX | 29270442 | XXXX | XXXX | Closed | 2025-12-20 04:58 | 2026-01-08 02:33 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Resolved-Resolved. Lender provided Anti-Steering Disclosure. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Please see attached signed Anti-Steering Disclosure. - Seller-XX/XX/XXXX <br> Open-Broker fee is marked as paid by lender, this requires an Anti-Steering Disclosure, but indicator is not selected as Present. Review this requirement. Missing Anti-Steering Disclosure. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached signed Anti-Steering Disclosure. - Seller-XX/XX/XXXX | Resolved-Resolved. Lender provided Anti-Steering Disclosure. - Due Diligence Vendor-XX/XX/XXXX | XXXXX XXXXXXXXXX XXXXXX XXX-XXXXXXXX XXXXXXXXXX.XXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6722550 | N/A | N/A |
| XXXX | 29270442 | XXXX | XXXX | Closed | 2025-12-20 04:58 | 2026-01-08 05:40 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-Resolved. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX XXX XXXXXX.XX(X)(X)(XXX)) Resolved. The loan meets HPML guidelines. This loan failed the higher-priced mortgage loan test. (XX XXX § XXXXXX.XX(X)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrow waiver, escrow waiver disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg# XX, XX the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Resolved. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX XXX XXXXXX.XX(X)(X)(XXX)) Resolved. The loan meets HPML guidelines. This loan failed the higher-priced mortgage loan test. (XX XXX § XXXXXX.XX(X)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrow waiver, escrow waiver disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg# XX, XX the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. - Due Diligence Vendor-XX/XX/XXXX |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6722555 | N/A | N/A |
| XXXX | 29270442 | XXXX | XXXX | Closed | 2025-12-20 04:58 | 2026-01-08 05:40 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-Resolved. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the XXXXXXXXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(XXX. XXX. XXXX XXXX(X); XX XXX XXXXXX.XX(X)(XXX)) Resolved. The loan meets HPML guidelines. This loan failed the higher-priced mortgage loan test. (XX XXX § XXXXXX.XX(X)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrow waiver, escrow waiver disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg# XX, XX the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Resolved. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the XXXXXXXXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(XXX. XXX. XXXX XXXX(X); XX XXX XXXXXX.XX(X)(XXX)) Resolved. The loan meets HPML guidelines. This loan failed the higher-priced mortgage loan test. (XX XXX § XXXXXX.XX(X)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrow waiver, escrow waiver disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg# XX, XX the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. - Due Diligence Vendor-XX/XX/XXXX |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6722554 | N/A | N/A |
| XXXX | 29592295 | XXXX | XXXX | Closed | 2025-12-22 01:07 | 2026-01-09 11:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Resolved. Lender provided copy of original note. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Please see attached First Lien Note. - Seller-XX/XX/XXXX <br> Open-Per XXX guidelines dated XX/XX/XXXX, section X.X Ineligible Senior Liens, A copy of the most current Xst mortgage statement and a copy of the note is required to determine eligibility. Additional Xst mortgage documentation may be required to provide sufficient data for underwriting.<br> Have a copy of the mortgage statement. Missing a copy of the note. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached First Lien Note. - Seller-XX/XX/XXXX | Resolved-Resolved. Lender provided copy of original note. - Due Diligence Vendor-XX/XX/XXXX | XXXXX XXXXX Xst XXXX XXXX.XXX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 6729060 | N/A | N/A |
| XXXX | 24366826 | XXXX | XXXX | Closed | 2025-12-22 11:54 | 2025-12-26 08:36 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Resolved - Tax documents provided and attached. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Please see attached XXXX Secured Annual Property Tax Bill for XXXX XXXXXXXXXX XX, XXXXX XXXXXX XX and XXXX XXXX XXXXXX XXX. - Seller-XX/XX/XXXX <br> Open-Missing tax verification for XXXX XXXXXXXXXX XX, XXXXX XXXXXX XXXXXX and XXXX XXXX XXXXXX XXXXXXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached XXXX Secured Annual Property Tax Bill for XXXX XXXXXXXXXX XX, XXXXX XXXXXX XX and XXXX XXXX XXXXXX XXX. - Seller-XX/XX/XXXX | Resolved-Resolved - Tax documents provided and attached. - Due Diligence Vendor-XX/XX/XXXX | XXXXX XXXXXXXXX Annual Secured Property Tax Bill XXXX XXXX XXXXXX XXX.pdf<br> XXXXX XXXXXXXXX Annual Secured Property Tax Bill XXXX XXXXXXXXXX XX.pdf<br> XXXXX XXXXXXXXX Annual Secured Property Tax Bill XXXXX XXXXXX XX.pdf |  |  | CA | Investment | Refinance | Cash Out - Other | 6743053 | N/A | N/A |
| XXXX | 27486858 | XXXX | XXXX | Closed | 2025-12-22 23:49 | 2025-12-29 07:09 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Please see attached, usually the CD signed at closing is only an estimate and then trued up when funding occurs - Seller-XX/XX/XXXX <br> Open-The loan disbursement date (XXXX-XX-XX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, XX CFR XXXXX.XX(c) and Official Staff Commentary) Note date is XX/XX/XXXX, DOT notary date is XX/XX/XXXX but final CD disbursement date is XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached, usually the CD signed at closing is only an estimate and then trued up when funding occurs - Seller-XX/XX/XXXX | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX | XXXXXXXXXX XXXXXXXXXXX XXXX.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6755015 | N/A | N/A |
| XXXX | 26621112 | XXXX | XXXX | Closed | 2025-12-26 05:54 | 2026-01-15 12:04 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Closing Disclosure and Consummation Date | Resolved- Resolved with document and compliance test. - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Remaining LEs, CDs, and COCs received. System updated. - Due Diligence Vendor-XX/XX/XXXX <br> Resolved- - Due Diligence Vendor-XX/XX/XXXX <br> Open-The Initial Closing Disclosure Received Date of (XXXX-XX-XX) is not three business days before the consummation date of (XXXX-XX-XX). Three business days before the consummation date is (XXXXXXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (XX CFR XXXXX.XX(f)(X)(XX)(X)); XXXX.XX(f)(X)(XXX)) File is missing the Initial CD (and any other intermediate CD's). The only TRID documents provided were the Initial LE (X/XX/XXXX) and the Final CD (XX/XX/XXXX). All other LEs & CDs are missing. - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved- Resolved with document and compliance test. - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX | XX.XX COC.pdf<br> XX.XX CD.pdf<br> XX.X COC.pdf<br> XX.XX LE.pdf<br> XX.X LE.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 6808415 | N/A | N/A |
| XXXX | 26621112 | XXXX | XXXX | Closed | 2025-12-29 06:20 | 2025-12-30 07:02 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-COC received. Mavent updated & passes. Issue Resolved. - Due Diligence Vendor-XX/XX/XXXX <br> Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XXX.XX) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-The Final CD (XX/XX/XXXX) has a new fee for a Collateral Desktop Analysis ($XXX) in section B, line X, that was not present in the Initial CD dated XX/XX/XXXX. There is no COC provided for this addition/increase. - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Resolved-COC received. Mavent updated & passes. Issue Resolved. - Due Diligence Vendor-XX/XX/XXXX | XX.XX COC.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 6828933 | N/A | N/A |
| XXXX | 26621112 | XXXX | XXXX | Closed | 2025-12-26 06:18 | 2025-12-29 06:22 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Remaining LEs, CDs, and COCs received. System updated. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-TRID: Missing Closing Disclosure File is missing the Initial CD (and any other intermediate CD's). The only TRID documents provided were the Initial LE (X/XX/XXXX) and the Final CD (XX/XX/XXXX). All other LEs & CDs are missing. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Resolved-Remaining LEs, CDs, and COCs received. System updated. - Due Diligence Vendor-XX/XX/XXXX | XX.XX LE.pdf<br> XX.XX COC.pdf<br> XX.X COC.pdf<br> XX.X LE.pdf<br> XX.XX CD.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 6809448 | N/A | N/A |
| XXXX | 25245281 | XXXX | XXXX | Closed | 2025-12-23 21:01 | 2025-12-30 07:49 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Resolved. Final XXXX indicating the occupancy has been received and reviewed. XXXXXXXX has been updated to reflect - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Please see attached Final XXXX reflects Xa Section A borrower Will Not occupy subject as primary residence. - Seller-XX/XX/XXXX <br> Open-The Final XXXX is Incomplete The provided URLA on pg XXXX lists the property in Section X of Declarations as owner occupied. This is a Investment transaction - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached Final XXXX reflects Xa Section A borrower Will Not occupy subject as primary residence. - Seller-XX/XX/XXXX | Resolved-Resolved. Final XXXX indicating the occupancy has been received and reviewed. XXXXXXXX has been updated to reflect - Due Diligence Vendor-XX/XX/XXXX | XXXXXXXXXX XXXXXXX FINAL XXXX.pdf |  |  | CO | Investment | Refinance | Cash Out - Other | 6779221 | N/A | N/A |
| XXXX | 22823904 | XXXX | XXXX | Closed | 2025-12-25 03:54 | 2025-12-30 02:14 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Citizenship Identification Documentation Missing | Resolved-X-XXX extension doc provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Please see attached CES refers to NON QM guidelines, Please see attached extension via I - XXX - Seller-XX/XX/XXXX <br> Open-The provided Perm Res card provided on page XXX expired on XXX Xth, XXXX. Section X.X does not permit the expired card. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached CES refers to NON QM guidelines, Please see attached extension via I - XXX - Seller-XX/XX/XXXX | Resolved-X-XXX extension doc provided. Resolved - Due Diligence Vendor-XX/XX/XXXX | XXXXXXXXXX XXXXXXX extended via I-XXX doc.pdf |  |  | CA | Investment | Refinance | Cash Out - Other | 6802750 | N/A | N/A |
| XXXX | 22823904 | XXXX | XXXX | Closed | 2025-12-25 00:21 | 2025-12-29 23:53 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-Deed of Trust along with Signature page provided. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX <br> Open-The Deed of Trust is Missing The signature page is missing from file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX | Resolved-Deed of Trust along with Signature page provided. - Due Diligence Vendor-XX/XX/XXXX | XXXXXXXXXX XXXXXXX XXX XXX XXXX XXXXX.pdf |  |  | CA | Investment | Refinance | Cash Out - Other | 6802519 | N/A | N/A |
| XXXX | 22823904 | XXXX | XXXX | Closed | 2025-12-25 03:09 | 2025-12-29 06:22 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV Requirements | Waived-Audited CLTV of XX.XX% exceeds Guideline CLTV of XX% Exception for Requesting LTV exception XX.X% up to XXXk - Due Diligence Vendor-XX/XX/XXXX |  | Waived-Audited CLTV of XX.XX% exceeds Guideline CLTV of XX% Exception for Requesting LTV exception XX.X% up to XXXk - Due Diligence Vendor-XX/XX/XXXX |  |  | Borrower's XXX Representative credit score exceeds the minimum required of XXX by XX points<br> Borrower's mortgage history is XxXX mortgage history for XX months. Guidelines require XxXXxXX<br> Borrower has been employed at current job for XX years. Guidelines require X years minimum employment history. | CA | Investment | Refinance | Cash Out - Other | 6802672 | Originator Pre-Close | Yes |
| XXXX | 29519628 | XXXX | XXXX | Closed | 2025-12-29 02:04 | 2026-01-02 01:20 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated XXXX document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX <br> Open-The XXXX document is missing from the loan file. Required Updated Final XXXX Document is missing in file - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX | Resolved-Updated XXXX document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX | XXXX - XXXXXXXXXX XXXXXXX.pdf |  |  | OR | Primary Residence | Refinance | Cash Out - Other | 6826613 | N/A | N/A |
| XXXX | 27793140 | XXXX | XXXX | Closed | 2025-12-25 23:42 | 2025-12-31 07:48 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Resolved. Lender provided PCCD updating the disbursement date. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. see PCCD - Seller-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open-The loan disbursement date (XXXX-XX-XX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, XX CFR XXXX.XX(c) and Official Staff Commentary) - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. see PCCD - Seller-XX/XX/XXXX | Resolved-Resolved. Lender provided PCCD updating the disbursement date. - Due Diligence Vendor-XX/XX/XXXX | XXXXXXXXXX XXXXXX.pdf<br> XXXX.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6806555 | N/A | N/A |
| XXXX | 24680970 | XXXX | XXXX | Closed | 2025-12-29 00:09 | 2025-12-30 06:26 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV Requirements | Waived-Audited CLTV of XX.XX% exceeds Guideline CLTV of XX% Guidelines state XX% max LTV. Exception for LTV breach XX.XX%. UW exception at page #XXX. - Due Diligence Vendor-XX/XX/XXXX |  | Waived-Audited CLTV of XX.XX% exceeds Guideline CLTV of XX% Guidelines state XX% max LTV. Exception for LTV breach XX.XX%. UW exception at page #XXX. - Due Diligence Vendor-XX/XX/XXXX |  |  | Borrower's XX.XX% DTI is XX.X% below the guideline maximum DTI of XX%.<br> Borrower's XXX Representative credit score exceeds the guideline minimum required credit score of XXX by XX points. <br> Borrower has XxXXxXX mortgage history. Guidelines require XxXXxXX | CA | Investment | Refinance | Cash Out - Other | 6826217 | Originator Pre-Close | Yes |
| XXXX | 25090294 | XXXX | XXXX | Closed | 2025-12-31 00:28 | 2026-01-05 07:29 | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Resolved. Lender provided appraisal. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX <br> Open-Appraisal is Missing Per the CES matrix dated XX/XX/XX, for loan amounts less than $XXXk, an AVM and property inspection report are required. A full appraisal is required for loan amounts greater than $XXXk. There is an appraisal update in file and a Fannie Mae SSR report, but not a copy of the original appraisal report. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX | Resolved-Resolved. Lender provided appraisal. - Due Diligence Vendor-XX/XX/XXXX | XXXXXXXXXX XXXXXXX XXXXXXXXX XXXXX.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6866130 | N/A | N/A |
| XXXX | 23681074 | XXXX | XXXX | Closed | 2025-12-31 02:58 | 2026-01-06 08:34 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Xnd lien no escrows, the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XX,XXX and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines, resolved.<br>Escrow waiver is missing in file. - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Xnd lien no escrows, the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XX,XXX and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines, resolved.<br>Escrow waiver is missing in file. - Due Diligence Vendor-XX/XX/XXXX |  |  |  | AZ | Primary Residence | Refinance | Cash Out - Other | 6866848 | N/A | N/A |
| XXXX | 25264862 | XXXX | XXXX | Closed | 2026-01-05 09:21 | 2026-01-06 13:43 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-RCE received. Sufficient dwelling coverage for the minimum rebuilding cost. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. RCE attached - XXXXXX-XX/XX/XXXX <br> Open-Hazard Insurance Coverage Amount of $XXXXXX is less than Required Coverage Amount of $XXXXXXX and Guaranteed Replacement Coverage indicator is 'No' Per Guidelines section X.XX.X "Coverage Requirements": Following XXXXXX XXX (XXXX) guidance, the property insurance policy must provide the claims tobe settled on a replacement cost basis. The coverage amount must be at least equal to the lesser of: • XXX% of the replacement cost of the improvements as of the current property insurance effective date, or • The unpaid principal balance of all liens, provided it equals no less than the replacement cost value of the improvements." Total balance of the Xst lien mortgage (per the XX/XX/XXXX Note) is $X,XXX,XXX + Total Lien of this subject Xnd lien mortgage is $XXX,XXX for a total lien amount of $X,XXX,XXX. No evidence of a Replacement Cost Estimator in file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. RCE attached - XXXXXX-XX/XX/XXXX | Resolved-RCE received. Sufficient dwelling coverage for the minimum rebuilding cost. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | XXXXXX XXXXXXXXX XXXXXXXXXXX XXXX XXXXXXXX.pdf<br> XXXXXX XXXXXXXXX - XX-X.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6915974 | N/A | N/A |
| XXXX | 24653191 | XXXX | XXXX | Closed | 2025-12-30 23:36 | 2026-01-05 07:51 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow Final Closing disclosure on Pg#'s XXX, Finding reflects no escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#' XXX and confirmation the appraisal was delivered to the borrower – see Pg#'XXX. The loan meets HPML guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow Final Closing disclosure on Pg#'s XXX, Finding reflects no escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#' XXX and confirmation the appraisal was delivered to the borrower – see Pg#'XXX. The loan meets HPML guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6865818 | N/A | N/A |
| XXXX | 24653191 | XXXX | XXXX | Closed | 2025-12-30 23:36 | 2026-01-05 07:51 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow Final Closing disclosure on Pg#'s XXX, Finding reflects no escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#' XXX and confirmation the appraisal was delivered to the borrower – see Pg#'XXX. The loan meets HPML guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow Final Closing disclosure on Pg#'s XXX, Finding reflects no escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#' XXX and confirmation the appraisal was delivered to the borrower – see Pg#'XXX. The loan meets HPML guidelines - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6865819 | N/A | N/A |
| XXXX | 29562563 | XXXX | XXXX | Closed | 2026-01-02 03:24 | 2026-01-14 03:43 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Certified copy of Final Closing statement uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br> Open-TRID: Missing Final Closing Disclosure Final Closing Disclosure are Settlement statement missing in the file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX | Resolved-Certified copy of Final Closing statement uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | XXXXX XXXXXX XXXXXXX XXXXXXXXXREV XX.XX.XXaa-CERT.pdf |  |  | CA | Investment | Refinance | Cash Out - Other | 6889394 | N/A | N/A |
| XXXX | 25842759 | XXXX | XXXX | Closed | 2026-01-02 01:27 | 2026-01-05 06:53 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Resolved. Documents confirming the borrower's primary PITIA has been confirmed. XXXXXXXX has been updated to reflect. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Please see attached the missing items for REOs XXX XXXXX XXXXX XX., and XXX X XXXXXX XX.. The property XXXX XXXXXX XX, is a commercial property and property tax obligation is through the business - XXXXXX-XX/XX/XXXX <br> Open-The following properties require missing documents to confirm their PITIA and expenses<br>XXX XXXXX XXXXX XX - Missing Tax and Insurance doc<br> XXX X XXXXXX XX - Missing Tax doc<br> XXXX XXXXXX XX - Missing Tax doc - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached the missing items for REOs XXX XXXXX XXXXX XX., and XXX X XXXXXX XX.. The property XXXX XXXXXX XX, is a commercial property and property tax obligation is through the business - XXXXXX-XX/XX/XXXX | Resolved-Resolved. Documents confirming the borrower's primary PITIA has been confirmed. XXXXXXXX has been updated to reflect. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | XXXXXXXXXX XXXXX XXX XXXXXX XX XXX, XXXXX xxxxx, xxx XXX.pdf<br> XXXXXXXXXX XXXXX XXX XXX XXXXX XXXXX XX – Xxxxx Xxxxx xxx Xxxxxxxx.pdf |  |  | CA | Investment | Refinance | Cash Out - Other | 6888918 | N/A | N/A |
| XXXX | 25563759 | XXXX | XXXX | Closed | 2026-01-05 02:53 | 2026-01-12 03:08 | Resolved | 1 - Information C A | Credit | Borrower | Borrower 1 Credit Report is Incomplete | Resolved-Borrower X Credit Report with FICO scores provided. Updated & Resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Resolved-Borrower X Credit Report is not partially present. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br> Open-Borrower X Credit Report is Partially Present. FICO Scores are missing in given credit report page #XX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX | Resolved-Borrower X Credit Report with FICO scores provided. Updated & Resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Resolved-Borrower X Credit Report is not partially present. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | XXXXXX XXXXXX.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6909779 | N/A | N/A |
| XXXX | 21137572 | XXXX | XXXX | Closed | 2026-01-12 03:57 | 2026-01-22 06:33 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-COC and revised Cd provided- resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-COC attached to the CD - XXXXXX-XX/XX/XXXX <br> Counter-COC provided reflects changes on XX/XX/XXXX, disclosure dated XX/XX/XXXX is missing in file - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br> Open-Lender credits decreased from initial Cd to final Cd without a valid COC - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open-No COC to cure the Tolerance. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($XX,XXX.XX). The Last CD shows a total lender credit amount of ($XX,XXX.XX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X)(i) and comments XX(e)(X)(i)-X and - X; XX CFR XXXX.XX(f)(X)(v); XX CFR XXXX.XX(g)(X); XX CFR XXXX.XX(h)). - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-COC attached to the CD - XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX | Resolved-COC and revised Cd provided- resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | XXX-XXXXXX - XXXXXX-.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7031264 | N/A | N/A |
| XXXX | 21137572 | XXXX | XXXX | Closed | 2026-01-05 23:20 | 2026-01-13 06:23 | Resolved | 1 - Information D A | Compliance | Disclosure | Missing Intent to Proceed | Resolved- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Intent to proceed document is missing in file - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |  | XXX.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6927937 | N/A | N/A |
| XXXX | 21137572 | XXXX | XXXX | Closed | 2026-01-05 23:19 | 2026-01-13 06:23 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-XXXX: Missing Closing Disclosure Initial CD is missing in file - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |  | XXXXXXX XX.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6927934 | N/A | N/A |
| XXXX | 21137572 | XXXX | XXXX | Closed | 2026-01-05 23:19 | 2026-01-12 04:00 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-Initial & Revised Loan estimate Provided. Updated & Resolved. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-Initial Loan estimate and any revised LEs/ Change of circumstances are missing in file - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Resolved-Initial & Revised Loan estimate Provided. Updated & Resolved. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX | XXXXXXX XXX XXXXXXX.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6927935 | N/A | N/A |
| XXXX | 21137572 | XXXX | XXXX | Closed | 2026-01-05 23:21 | 2026-01-12 03:36 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Service Provider List | Resolved-Service provider list Provided. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-Service provider list is missing in file. as loan type is primary refinance we need service provider document. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Resolved-Service provider list Provided. - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX | XXXX.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6927940 | N/A | N/A |
| XXXX | 29702124 | XXXX | XXXX | Closed | 2026-01-05 02:27 | 2026-01-05 06:38 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a XXXXXXXXXX XXXX-XXXXXX XXXXXXXX XXXX (XXXX). The loan's APR of (XX.XXX%) equals or exceeds the California XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(XXX. XXX. XXXX XXXX(a); XX XXX XXXX.XX(a)(iii)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrow waiver , escrow waiver disclosures and loan information is on Pg#'s XXX, XXX and the Final Closing disclosure on Pg#'s XX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg# XX, XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XX. The loan meets XXXX guidelines, resolved.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-This is a XXXXXXXXXX XXXX-XXXXXX XXXXXXXX XXXX (XXXX). The loan's APR of (XX.XXX%) equals or exceeds the California XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(XXX. XXX. XXXX XXXX(a); XX XXX XXXX.XX(a)(iii)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrow waiver , escrow waiver disclosures and loan information is on Pg#'s XXX, XXX and the Final Closing disclosure on Pg#'s XX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg# XX, XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XX. The loan meets XXXX guidelines, resolved.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6909687 | N/A | N/A |
| XXXX | 29702124 | XXXX | XXXX | Closed | 2026-01-05 02:27 | 2026-01-05 06:38 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX XXX XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrow waiver , escrow waiver disclosures and loan information is on Pg#'s XXX, XXX and the Final Closing disclosure on Pg#'s XX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg# XX, XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XX. The loan meets XXXX guidelines, resolved.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX XXX XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrow waiver , escrow waiver disclosures and loan information is on Pg#'s XXX, XXX and the Final Closing disclosure on Pg#'s XX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg# XX, XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XX. The loan meets XXXX guidelines, resolved.<br> - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6909690 | N/A | N/A |
| XXXX | 28177485 | XXXX | XXXX | Closed | 2026-01-04 23:23 | 2026-01-05 06:16 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a XXXXXXXXXX XXXX-XXXXXX XXXXXXXX XXXX (XXXX). The loan's APR of (XX.XXX%) equals or exceeds the California XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(XXX. XXX. XXXX XXXX(a); XX XXX XXXX.XX(a)(iii)) Resolved. The loan meets XXXX guidelines. This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXXX and the Final Closing disclosure on Pg#XXX-XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXXX. An interior and exterior appraisal was completed for this property – see pg#XXX-XXX the appraisal disclosure was provided to the borrower(s)- see Pg#XXX, and confirmation the appraisal was delivered to the borrower – see Pg#XXXX. The loan meets XXXX guidelines, resolved<br>- XXX XXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-This is a XXXXXXXXXX XXXX-XXXXXX XXXXXXXX XXXX (XXXX). The loan's APR of (XX.XXX%) equals or exceeds the California XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(XXX. XXX. XXXX XXXX(a); XX XXX XXXX.XX(a)(iii)) Resolved. The loan meets XXXX guidelines. This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXXX and the Final Closing disclosure on Pg#XXX-XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXXX. An interior and exterior appraisal was completed for this property – see pg#XXX-XXX the appraisal disclosure was provided to the borrower(s)- see Pg#XXX, and confirmation the appraisal was delivered to the borrower – see Pg#XXXX. The loan meets XXXX guidelines, resolved<br>- XXX XXXXXXXXX XXXXXX-XX/XX/XXXX |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6909056 | N/A | N/A |
| XXXX | 28177485 | XXXX | XXXX | Closed | 2026-01-04 23:23 | 2026-01-05 06:16 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) Resolved. The loan meets HPML guidelines. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXXX and the Final Closing disclosure on Pg#XXX-XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXXX. An interior and exterior appraisal was completed for this property – see pg#XXX-XXX the appraisal disclosure was provided to the borrower(s)- see Pg#XXX, and confirmation the appraisal was delivered to the borrower – see Pg#XXXX. The loan meets HPML guidelines, resolved<br>- Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) Resolved. The loan meets HPML guidelines. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXXX and the Final Closing disclosure on Pg#XXX-XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXXX. An interior and exterior appraisal was completed for this property – see pg#XXX-XXX the appraisal disclosure was provided to the borrower(s)- see Pg#XXX, and confirmation the appraisal was delivered to the borrower – see Pg#XXXX. The loan meets HPML guidelines, resolved<br>- Due Diligence Vendor-XX/XX/XXXX |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6909057 | N/A | N/A |
| XXXX | 28343512 | XXXX | XXXX | Closed | 2026-01-07 21:43 | 2026-01-21 04:12 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-Deed of Trust document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-The Deed of Trust is Missing in file - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Resolved-Deed of Trust document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX | XXXXX XXXXXXXX XXX.XXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6974742 | N/A | N/A |
| XXXX | 28343512 | XXXX | XXXX | Closed | 2026-01-07 22:37 | 2026-01-21 00:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Income Worksheet Missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Please see the attached documents - Seller-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Please see the attached documents - Seller-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Please see the attached documents - Seller-XX/XX/XXXX <br> Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Lender Income calculation missing for XXXXX XXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Please see the attached documents - Seller-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Please see the attached documents - Seller-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Please see the attached documents - Seller-XX/XX/XXXX | Resolved-Income Worksheet Missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX | XXXXX XXX XXXXXX.XXX<br> XXXXX XXXXXX XXXXXXXXXXX XXXXXXXXXXX.XXX<br> XXXXX XXXXXX XXXXXXXXX.XXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6975055 | N/A | N/A |
| XXXX | 27232788 | XXXX | XXXX | Closed | 2026-01-11 06:22 | 2026-03-03 13:50 | Resolved | 1 - Information C A | Compliance | Rescission:Variance | Federal - Right of Rescission Variance Failure (TILA) | Resolved-Received updated RTC. - Due Diligence Vendor-XX/XX/XXXX <br> Resolved- - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Counter-Please provide executed copies of the corrected right to cancel disclosures. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Counter-Holiday included in the rescission period on the right to cancel disclosure. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Proof loan disbursed XX.XX - Seller-XX/XX/XXXX <br> Open-The disclosed "Right to Cancel Expire Date" (XXXX-XX-XX) is earlier than the system calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Regulation Z, funds may not be disbursed to the borrower until the expiration of the rescission period. (XX CFR XXXX.XX(c) and Official Staff Commentary) The disclosed Right to Cancel Expire Date (XXXX-XX-XX) is earlier than the system calculated Right to Cancel Expire Date (XXXX-XX-XX). - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Proof loan disbursed XX.XX - Seller-XX/XX/XXXX | Resolved-Received updated RTC. - Due Diligence Vendor-XX/XX/XXXX | XXXXXXX XXX XXXX XXXXXX XX-XX.XXX<br> XXXXXX XXXXX XXXXX.XXX<br> XXXXXX XXXXX XX XXXXXX - XXXX XXXXXXX.XXX<br> XXX XXXX XXXXXX.XXX |  |  | CO | Primary Residence | Refinance | Cash Out - Other | 7025817 | N/A | N/A |
| XXXX | 27232788 | XXXX | XXXX | Closed | 2026-01-11 06:22 | 2026-01-15 10:31 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Acknowledged-Client acknowledges missing anti-steering disclosure. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-XXXXXXXX acknowledges missing disclosure - Seller-XX/XX/XXXX <br> Open-Broker fee is marked as paid by lender, this requires an Anti-Steering Disclosure, but indicator is not selected as Present. Review this requirement. Anti-Steering Disclosure is missing from file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-XXXXXXXX acknowledges missing disclosure - Seller-XX/XX/XXXX | Acknowledged-Client acknowledges missing anti-steering disclosure. - Due Diligence Vendor-XX/XX/XXXX |  |  |  | CO | Primary Residence | Refinance | Cash Out - Other | 7025812 | Investor Post-Close | No |
| XXXX | 25443348 | XXXX | XXXX | Closed | 2026-01-12 10:15 | 2026-01-16 06:19 | Resolved | 1 - Information C A | Credit | Income/Employment | Income 11 Months Income Verified is Missing | Resolved-Income XX Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. The Xnd lien was cancelled by the borrower, so they do not have a Xnd lien on this property.<br> The Xst lien is impounded (shown on the statement) . - Seller-XX/XX/XXXX <br> Open-Income XX Months Income Verified is Missing Unable to locate the mortgage (for both Xst and Xnd liens), hazard and tax documentation for the property at XXXX Xth Ave NE. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. The Xnd lien was cancelled by the borrower, so they do not have a Xnd lien on this property.<br> The Xst lien is impounded (shown on the statement) . - Seller-XX/XX/XXXX | Resolved-Income XX Months Income Verified is Present Or Not Applicable - Due Diligence Vendor-XX/XX/XXXX | XXXX Xth Ave - XXX.XXX<br> X & X_ XXXXXXX XXXXX.XXX<br> XXXX Xth Ave - XXX XXXX.XXX |  |  | WA | Investment | Refinance | Cash Out - Other | 7044944 | N/A | N/A |
| XXXX | 25443348 | XXXX | XXXX | Closed | 2026-01-12 09:31 | 2026-01-16 06:16 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Correct XXXX uploaded - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-The XXXX document is missing from the loan file. The XXXX in the file is not the final. The negative cash flow reflected is $X,XXX.XX. It should be $XXXX.XX. It appears that the taxes and insurance were added twice. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX | XXXXXXXXXXX_XX_XXX (XX).XXX |  |  | WA | Investment | Refinance | Cash Out - Other | 7044001 | N/A | N/A |
| XXXX | 20604242 | XXXX | XXXX | Closed | 2026-01-20 03:50 | 2026-01-23 07:16 | Resolved | 1 - Information D A | Compliance | Disclosure | Missing Intent to Proceed | Resolved-ITP provided - resolved - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Missing signed Intent to proceed disclosure document. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Resolved-ITP provided - resolved - Due Diligence Vendor-XX/XX/XXXX | XXX XXXXXX.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7174575 | N/A | N/A |
| XXXX | 22400768 | XXXX | XXXX | Closed | 2026-02-05 06:47 | 2026-02-11 15:15 | Resolved | 1 - Information C A | Compliance | Interest:Accrual | California - Interest Rate Accrual Warning (Civ. Code) | Resolved-All documents have been provided to clear this condition. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. R2R - Due Diligence Vendor-XX/XX/XXXX <br> Counter-Final amended settlement statement that was provided in the LOE which shows the refund for the daily interest is missing<br>- Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-PCCD provided prepaid interest date reflects X/XX/XX however disbursement date reflects X/XX/XX - Due Diligence Vendor-XX/XX/XXXX <br> Open-Under the California Civil Code, a Lender may not begin to accrue interest on a loan secured by X-X unit dwelling on real property located in California prior to one day before the loan proceeds are disbursed to the Borrower or to the Borrower's designee. (Cal. Civ. Code XXXX.X) . - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Resolved-All documents have been provided to clear this condition. - Due Diligence Vendor-XX/XX/XXXX | XXXXXXX XXX.pdf<br> XXXXXXXXXXXXX XXXXXXX.pdf<br> XXXXX XX - XXXXXXX XXXXXXXX.pdf<br> XXXX XXXXXXX.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7460878 | N/A | N/A |
| XXXX | 22400768 | XXXX | XXXX | Closed | 2026-01-19 23:48 | 2026-02-05 06:47 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-PCCD with corrected disbursement date provided - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Counter-Transaction is a primary refinance with TRID disclosures, missing post closing CD with corrected disbursement date - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. PCCD to follow<br> - Seller-XX/XX/XXXX <br> Open-The loan disbursement date (XXXX-XX-XX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, XX CFR XXXX.XX(c) and Official Staff Commentary) The loan disbursement date (XXXX-XX-XX) & "Right to Cancel Expire Date" (XXXX-XX-XX) , a PCCD was not provided - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Ready for Review-Document Uploaded. PCCD to follow<br> - Seller-XX/XX/XXXX | Resolved-PCCD with corrected disbursement date provided - Due Diligence Vendor-XX/XX/XXXX | XXXXX XXXXXXXXX - XXXXXXXXX.pdf<br> XX XX.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7173407 | N/A | N/A |
| XXXX | 21266787 | XXXX | XXXX | Closed | 2026-01-16 04:32 | 2026-01-16 09:34 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXX and the Final Closing disclosure on Pg#XX-XX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX. An interior and exterior appraisal was completed for this property – see pg#XX-XX the appraisal disclosure was provided to the borrower(s)- see Pg#XX, and confirmation the appraisal was delivered to the borrower – see Pg#XXX. - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXX and the Final Closing disclosure on Pg#XX-XX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX. An interior and exterior appraisal was completed for this property – see pg#XX-XX the appraisal disclosure was provided to the borrower(s)- see Pg#XX, and confirmation the appraisal was delivered to the borrower – see Pg#XXX. - Due Diligence Vendor-XX/XX/XXXX |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7131785 | N/A | N/A |
| XXXX | 21266787 | XXXX | XXXX | Closed | 2026-01-16 04:32 | 2026-01-16 09:34 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXX and the Final Closing disclosure on Pg#XX-XX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX. An interior and exterior appraisal was completed for this property – see pg#XX-XX the appraisal disclosure was provided to the borrower(s)- see Pg#XX, and confirmation the appraisal was delivered to the borrower – see Pg#XXX. - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXX and the Final Closing disclosure on Pg#XX-XX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX. An interior and exterior appraisal was completed for this property – see pg#XX-XX the appraisal disclosure was provided to the borrower(s)- see Pg#XX, and confirmation the appraisal was delivered to the borrower – see Pg#XXX. - Due Diligence Vendor-XX/XX/XXXX |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7131784 | N/A | N/A |
| XXXX | 26824949 | XXXX | XXXX | Closed | 2026-01-16 00:59 | 2026-03-04 13:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-The provided senior mortgage and mortgage statement verify the payments and status of the first lien mortgage. Section X.X's guideline requirement has been cleared.<br> - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-The provided senior mortgage and mortgage statement verify the payments and status of the first lien mortgage. Section X.X's guideline requirement has been cleared.<br> - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Please see attached Mortgage Doc showing there was no ARM or Balloon Rider recorded. The information provided with the Mortgage Document and the Statement should adequately support the first lien was acceptable. Can this please be cleared? - Seller-XX/XX/XXXX <br> Counter-Section X.X of guidelines states the requirements for eligible senior liens. A copy of the most current Xst mortgage statement and the note is required to determine eligibility. The file is missing a copy of the previous note. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Please see First is with XXXXXXXXXX/XX XXXXXX Mtg statement shows impounded / has escrows - Seller-XX/XX/XXXX <br> Open-The file is missing a copy of the first lien note and mortgage to confirm the subject's PITIA and borrower DTI. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached Mortgage Doc showing there was no ARM or Balloon Rider recorded. The information provided with the Mortgage Document and the Statement should adequately support the first lien was acceptable. Can this please be cleared? - Seller-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Please see First is with XXXXXXXXXX/XX XXXXXX Mtg statement shows impounded / has escrows - Seller-XX/XX/XXXX | Resolved-The provided senior mortgage and mortgage statement verify the payments and status of the first lien mortgage. Section X.X's guideline requirement has been cleared.<br> - Due Diligence Vendor-XX/XX/XXXX | XXXXXXXXXX XXXXXXXX XXXXXX XXXXXXXX XXXXXXXXX - XXXXXXX X.pdf<br> XXXXXXXXXX_XXXXXXXX.pdf |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 7130384 | N/A | N/A |
| XXXX | 26824949 | XXXX | XXXX | Closed | 2026-01-15 23:38 | 2026-02-26 23:59 | Resolved | 1 - Information D A | Property | Missing Doc | 1004D Completion Report is Missing | Resolved-1004D is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-1004D Completion Report is present - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. please see attached 1004D shows completed work - Seller-XX/XX/XXXX <br> Open-1004D Completion Report is Missing The appraisal in file was completed subject to repairs without the corresponding 1004D Completion report confirming the updates have been made. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. please see attached 1004D shows completed work - Seller-XX/XX/XXXX | Resolved-1004D is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-1004D Completion Report is present - Due Diligence Vendor-XX/XX/XXXX | XXXXXXXXXX XXXXXXXX XXXXXX XXXXD.pdf |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 7129918 | N/A | N/A |
| XXXX | 26824949 | XXXX | XXXX | Closed | 2026-01-15 22:57 | 2026-01-20 09:01 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-DOT with notary information has been provided. XXXXXXXX has been updated to reflect. Cleared. - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX <br> Open-The Deed of Trust is Missing The notary acknowledgement page is missing from the provided DOT. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX | Resolved-DOT with notary information has been provided. XXXXXXXX has been updated to reflect. Cleared. - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-The Deed of Trust is Present - Due Diligence Vendor-XX/XX/XXXX | XXXXXXXXXX XXXXXXXX XXXXXX XXX XXXXX.XXX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 7129670 | N/A | N/A |
| XXXX | 26824949 | XXXX | XXXX | Closed | 2026-01-15 23:16 | 2026-01-20 01:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Income Worksheet is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX <br> Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. The file is missing a copy of the lender's income calculation worksheet for BX and BX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX | Resolved-Income Worksheet is missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX | XXXXXX XXXX XXXXXXXX XXXXXX XXXXX.XXX<br> XXXXXX XXXX XXXXXXXX XXXXXX XX XXXXX.XXX |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 7129803 | N/A | N/A |
| XXXX | 26824949 | XXXX | XXXX | Closed | 2026-01-16 00:48 | 2026-01-16 06:21 | Resolved | 1 - Information A | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (Junior Lien) | Resolved-The loan's (XX.XXX%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (X.XX%), which is the comparable average prime offer rate of (X.XX%) plus X.X. The System used the following date to perform the APOR index lookup (XXXX-XX-XX). The system added X.X to the comparable APOR because the ($XX,XXX.XX) note amount equals or exceeds ($XX,XXX.XX). The system used an interest rate of (XX.X%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (XX CFR XXXX.XX(e)(X)(vi)(E)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, and loan information is on Pg#XXXand the Final Closing disclosure on Pg#XXX s, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX , An interior and exterior appraisal was completed for this property – see pg#XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXXand confirmation the appraisal was delivered to the borrower – see Pg#'XXXs The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan's (XX.XXX%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (X.XX%), which is the comparable average prime offer rate of (X.XX%) plus X.X. The System used the following date to perform the APOR index lookup (XXXX-XX-XX). The system added X.X to the comparable APOR because the ($XX,XXX.XX) note amount equals or exceeds ($XX,XXX.XX). The system used an interest rate of (XX.X%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (XX CFR XXXX.XX(e)(X)(vi)(E)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, and loan information is on Pg#XXXand the Final Closing disclosure on Pg#XXX s, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX , An interior and exterior appraisal was completed for this property – see pg#XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXXand confirmation the appraisal was delivered to the borrower – see Pg#'XXXs The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX |  |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 7130337 | N/A | N/A |
| XXXX | 26824949 | XXXX | XXXX | Closed | 2026-01-16 00:48 | 2026-01-16 06:21 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, and loan information is on Pg#XXXand the Final Closing disclosure on Pg#XXX s, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX , An interior and exterior appraisal was completed for this property – see pg#XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXXand confirmation the appraisal was delivered to the borrower – see Pg#'XXXs The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, and loan information is on Pg#XXXand the Final Closing disclosure on Pg#XXX s, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX , An interior and exterior appraisal was completed for this property – see pg#XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXXand confirmation the appraisal was delivered to the borrower – see Pg#'XXXs The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX |  |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 7130339 | N/A | N/A |
| XXXX | 26538251 | XXXX | XXXX | Closed | 2026-01-20 10:53 | 2026-01-23 07:50 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Closing Disclosure and Consummation Date | Resolved-Initial Cd provided- resolved - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-The Initial Closing Disclosure Received Date of (XXXX-XX-XX) is not three business days before the consummation date of (XXXX-XX-XX). Three business days before the consummation date is (XXXXXXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (XX CFR XXXX.XX(f)(X)(ii)(A)); XXXX.XX(f)(X)(iii)) Initial CD has been issued in XX/XX/XXXX but borrower X signed on XX/XX/XXXX and final CD signed on XX/XX/XXXX. initial CD issued with in three business days only but receipt date is not with in X three business days. - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Resolved-Initial Cd provided- resolved - Due Diligence Vendor-XX/XX/XXXX | XXXXXXX XX XXXXXX XX-XX.XXX |  |  | OH | Primary Residence | Refinance | Cash Out - Other | 7183549 | N/A | N/A |
| XXXX | 20337964 | XXXX | XXXX | Closed | 2026-01-22 10:29 | 2026-01-27 08:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Condition Resolved or Not Applicable. - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-Guidelines Page XX, X units with no Lease agreement documentation in file. Appraiser reports X units Tenant Occupied, Rental amounts reported for X Units. <br> X unit lower of market rent $X,XXX, <br> X unit Vacant market rent $X,XXX, <br> X unit appraiser reported lower lease amount $X,XXX x XXX% = $X,XXX.XX, <br> X unit appraiser reported lower lease amount $X,XXX x XXX% = $X,XXX.XX <br> = Total Gross Market Rents $X,XXX - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-Matrix X/XX/XXXX Lease Agreements required for Long Term Rentals. Missing lease agreements for X units. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Resolved-Condition Resolved or Not Applicable. - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-Guidelines Page XX, X units with no Lease agreement documentation in file. Appraiser reports X units Tenant Occupied, Rental amounts reported for X Units. <br> X unit lower of market rent $X,XXX, <br> X unit Vacant market rent $X,XXX, <br> X unit appraiser reported lower lease amount $X,XXX x XXX% = $X,XXX.XX, <br> X unit appraiser reported lower lease amount $X,XXX x XXX% = $X,XXX.XX <br> = Total Gross Market Rents $X,XXX - Due Diligence Vendor-XX/XX/XXXX | XXXXX XXXXXXXXX.XXX |  |  | CA | Investment | Refinance | Cash Out - Other | 7247565 | N/A | N/A |
| XXXX | 21461198 | XXXX | XXXX | Closed | 2026-01-16 13:14 | 2026-01-20 08:51 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV Requirements | Waived-Audited CLTV of XX% exceeds Guideline CLTV of XX% Exception For :Guideline maximum LTV is XX% CLTV Seeking to go up to XX% CLTV.<br>Exception Document XXX<br> - Due Diligence Vendor-XX/XX/XXXX |  | Waived-Audited CLTV of XX% exceeds Guideline CLTV of XX% Exception For :Guideline maximum LTV is XX% CLTV Seeking to go up to XX% CLTV.<br>Exception Document XXX<br> - Due Diligence Vendor-XX/XX/XXXX |  |  | Comp Factor X: XXX Representative credit score exceeds the minimum required of XXX by XX points<br> Comp Factor X: Borrower has been employed at current job for X years. <br> Comp Factor X: XxXX mortgage history for XX months. | NY | Investment | Refinance | Cash Out - Other | 7144161 | Originator Post-Close | Yes |
| XXXX | 28081273 | XXXX | XXXX | Closed | 2026-01-19 00:57 | 2026-01-27 13:35 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-New Gap Report dated X/XX/XXXX received. System updated. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-Borrower X Gap Credit Report is Expired (Greater than XX days from Closing/Settlement Date). The Refreshed (Gap) Credit Report dated XX/XX/XXXX is more than XX days from the Closing Date of X/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Resolved-New Gap Report dated X/XX/XXXX received. System updated. - Due Diligence Vendor-XX/XX/XXXX | XXXXXX XXXXXXX.XXX |  |  | WA | Investment | Refinance | Cash Out - Other | 7159469 | N/A | N/A |
| XXXX | 25380271 | XXXX | XXXX | Closed | 2026-01-19 04:22 | 2026-01-27 13:45 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-New Gap Report dated X/XX/XXXX received. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-Borrower X Gap Credit Report is Expired (Greater than XX days from Closing/Settlement Date). The Refreshed (Gap) Credit Report dated XX/XX/XXXX is more than XX days from the Closing Date of X/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Resolved-New Gap Report dated X/XX/XXXX received. - Due Diligence Vendor-XX/XX/XXXX | XXXXXX XXXXXXX.XXX |  |  | WA | Investment | Refinance | Cash Out - Other | 7161007 | N/A | N/A |
| XXXX | 23280556 | XXXX | XXXX | Closed | 2026-01-23 03:37 | 2026-01-26 14:29 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-COC received. System updated. - Due Diligence Vendor-XX/XX/XXXX <br> Resolved- - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Loan Origination Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). Loan Origination Fee increased from $X,XXX on the Initial LE dated XX/XX/XXXX to $X,XXX on the Final LE dated X/XX/XXXX. There is no Change of Circumstance (COC) in the file for this increase. - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Resolved-COC received. System updated. - Due Diligence Vendor-XX/XX/XXXX | XXX.XXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7263481 | N/A | N/A |
| XXXX | 23280556 | XXXX | XXXX | Closed | 2026-01-23 03:37 | 2026-01-26 14:28 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-A PCCD was received. System updated. - Due Diligence Vendor-XX/XX/XXXX <br> Resolved- - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-The loan disbursement date (XXXX-XX-XX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, XX CFR XXXX.XX(c) and Official Staff Commentary) The Notice of Right to Cancel shows a cancel date of midnight of X/XX/XXXX. Per the Final CD dated X/XX/XXXX, the loan disbursed on X/XX/XXXX. Therefore the borrower was not given the X full days until "midnight of" before the loan disbursed. - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Resolved-A PCCD was received. System updated. - Due Diligence Vendor-XX/XX/XXXX | XXXX _ XXXX XXXXXXXXXXXX XX (X).XXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7263482 | N/A | N/A |
| XXXX | 23280556 | XXXX | XXXX | Closed | 2026-01-23 01:47 | 2026-01-26 02:20 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Alta short form Residential loan policy uploaded, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-Final Title Short Form received with sufficient coverage. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount Title Coverage amount on the Title Commitment of $XXX,XXX is less than the Loan Amount of $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Resolved-Alta short form Residential loan policy uploaded, Verified - Resolved - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-Final Title Short Form received with sufficient coverage. - Due Diligence Vendor-XX/XX/XXXX | XXXXX XXXXX XXXXXX.XXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7262543 | N/A | N/A |
| XXXX | 23280556 | XXXX | XXXX | Closed | 2026-01-23 04:12 | 2026-01-24 13:25 | Resolved | 1 - Information D A | Credit | Missing Doc | Loan Approval Document is Missing | Resolved-Approval Certificate received. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-The lender's Loan Approval Certificate is missing from the file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Resolved-Approval Certificate received. - Due Diligence Vendor-XX/XX/XXXX | XXXXXXXX XXXXXXXXXXX (X).XXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7263855 | N/A | N/A |
| XXXX | 21543456 | XXXX | XXXX | Closed | 2026-01-21 02:09 | 2026-01-27 05:59 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial XXXX was provided. A signature will be not needed. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Counter-The document provided labeled "XXXXXXX XXXXXX XXXX.XXX" is not signed. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-The Initial XXXX is Missing The Initial XXXX is missing from the loan file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Resolved-The Initial XXXX was provided. A signature will be not needed. - Due Diligence Vendor-XX/XX/XXXX | XXXXXXX XXXXXX XXXX.XXX<br> XXX XXXX.XXX |  |  | CA | Investment | Refinance | Cash Out - Home Improvement/Reno | 7196793 | N/A | N/A |
| XXXX | 21175932 | XXXX | XXXX | Closed | 2026-01-21 07:34 | 2026-02-06 09:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 WVOE Missing | Resolved-Borrower X WVOE Provided - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Please see attached Verbal verifications for XXXXXX XXXXXX XXXXXXX and XXXXX XXXXXX XXXXXX XXXXXXXX completed X.X and loan closed X.XX (Note signed) - XXXXXX-XX/XX/XXXX <br> Counter-As per guidelines XX/XX/XX page XX other requirements for Full Documentation include a VOE from each employer within XX-days of the note date for wage and salaried employees. - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX <br> Ready for Review-Disagree, borrower X is not required to provide a WVOE XXXX form since BX provided Xyears WXs and YTD Paystubs. Please clear as soon as possible - XXXXXX-XX/XX/XXXX <br> Open-Borrower X WVOE Missing Borrower X Written Verification of Employment is missing from file. - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached Verbal verifications for XXXXXX XXXXXX XXXXXXX and XXXXX XXXXXX XXXXXX XXXXXXXX completed X.X and loan closed X.XX (Note signed) - XXXXXX-XX/XX/XXXX <br> Ready for Review-Disagree, borrower X is not required to provide a WVOE XXXX form since BX provided Xyears WXs and YTD Paystubs. Please clear as soon as possible - XXXXXX-XX/XX/XXXX | Resolved-Borrower X WVOE Provided - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX | XXXXXXXXXX XXXXXXXX XXX XXXXXX XXXXXX XX & XXXXX XXXXXX XXXXXX XXXXXXXX.xxx |  |  | WA | Primary Residence | Refinance | Cash Out - Other | 7202376 | N/A | N/A |
| XXXX | 21175932 | XXXX | XXXX | Closed | 2026-01-20 03:37 | 2026-01-22 03:22 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Requested updated XXXX with updated First lien Mortgage payment is $ XXX.XX provided, updated & condition resolved. - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX <br> Resolved-The XXXX document is present in the loan file. - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. TPR finding is correct with the Xst PITIA hitting the ratios twice, please see attached updated XXXX. Thank you - XXXXXX-XX/XX/XXXX <br> Open-The XXXX document is missing from the loan file. As per Note document and Mortgage statements First lien Mortgage payment is $ XXX.XX (Modification document Page on # XXX) Where as final XXXX updated as $ XXXX.XX. - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. TPR finding is correct with the Xst PITIA hitting the ratios twice, please see attached updated XXXX. Thank you - XXXXXX-XX/XX/XXXX | Resolved-Requested updated XXXX with updated First lien Mortgage payment is $ XXX.XX provided, updated & condition resolved. - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX <br> Resolved-The XXXX document is present in the loan file. - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX | XXXXXXXXXX XXXXXXXX XXXX - XXXXXXXXXXX XXXXXXX.xxx |  |  | WA | Primary Residence | Refinance | Cash Out - Other | 7174504 | N/A | N/A |
| XXXX | 21175932 | XXXX | XXXX | Closed | 2026-01-20 04:05 | 2026-01-21 07:15 | Waived | 2 - Non-Material B | Compliance | Fees:Prohibited | Washington - Fees Allowed (Lender)(01/10) | Waived-The XXXXXXXXXX XXXXXXXX XXXX XXX prohibits any fee other than a Loan Origination Fee, Loan Discount, or Commitment (Rate Lock) Fee to be paid by the Borrower to the Lender. (RCW XX.XX.XXX(X); WAC XXX-XXX-XXX; WAC XXX-XXX-XXX(X)) The state anti-predatory provisions in the XXXXXXXXXX XXXXXXXX XXXX XXX (the "XX XXX's") are originator level issues so there should not be any direct assignee liability/penalties associated with the XX XXX's. - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX |  | Waived-The XXXXXXXXXX XXXXXXXX XXXX XXX prohibits any fee other than a Loan Origination Fee, Loan Discount, or Commitment (Rate Lock) Fee to be paid by the Borrower to the Lender. (RCW XX.XX.XXX(X); WAC XXX-XXX-XXX; WAC XXX-XXX-XXX(X)) The state anti-predatory provisions in the XXXXXXXXXX XXXXXXXX XXXX XXX (the "XX XXX's") are originator level issues so there should not be any direct assignee liability/penalties associated with the XX XXX's. - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX |  |  |  | WA | Primary Residence | Refinance | Cash Out - Other | 7174666 | Originator Post-Close | No |
| XXXX | 24733228 | XXXX | XXXX | Closed | 2026-01-23 03:38 | 2026-01-30 13:53 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-XXXX UCDP/SSR received dated X/XX/XXXX with a CU score of X. System updated. - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br> Counter-The XXXX UCDP/SSR provided is for a wrong address of XXX X XXth St. The subject property is XX XXXXXXX XXXXXX. - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br> Counter-A XXXX was received. However, this is not sufficient to use as a Second Valuation. File needs a XXXX or XXXXXX UCDP/SSR report with a score less than X.X, or the file needs an Appraisal Desk Review. (The XXXX SSR/UCDP that was provided in the file is for a different loan/property.) - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br> Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a XXXX or XXXXXX UCDP/SSR report with a score less than X.X, or the file needs an Appraisal Desk Review. (The XXXX SSR/UCDP that was provided in the file is for a different loan/property.) - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX | Resolved-XXXX UCDP/SSR received dated X/XX/XXXX with a CU score of X. System updated. - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX | XXXXXXXXX XXXXXX.xxx<br> XXXX _ XXX XXX XXX.xxx<br> XXX_XXXXXXXXX_XXX.xxx |  |  | NJ | Primary Residence | Refinance | Cash Out - Other | 7263491 | N/A | N/A |
| XXXX | 24733228 | XXXX | XXXX | Closed | 2026-01-27 10:05 | 2026-01-27 10:11 | Resolved | A | Compliance | Tolerance:FinanceCharge | Federal - Foreclosure Rescission Finance Charge Tolerance | Resolved- - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX |  |  |  |  |  | NJ | Primary Residence | Refinance | Cash Out - Other | 7314658 | N/A | N/A |
| XXXX | 24733228 | XXXX | XXXX | Closed | 2026-01-27 10:05 | 2026-01-27 10:11 | Resolved | A | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Resolved- - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX |  |  |  |  |  | NJ | Primary Residence | Refinance | Cash Out - Other | 7314656 | N/A | N/A |
| XXXX | 24733228 | XXXX | XXXX | Closed | 2026-01-23 02:24 | 2026-01-26 14:15 | Resolved | 1 - Information C A | Compliance | Closing | The Note is Not Executed | Resolved-The Executed Note was received. - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br> Open-The Note is Not Executed The copy of the Note that was provided is not executed. - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX | Resolved-The Executed Note was received. - XXX XXXXXXXXX XXXXXXXX-XX/XX/XXXX | XXXXXX XXXX.xxx |  |  | NJ | Primary Residence | Refinance | Cash Out - Other | 7262683 | N/A | N/A |
| XXXX | 24733228 | XXXX | XXXX | Closed | 2026-01-23 05:03 | 2026-01-26 14:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Loan Approval Document is Missing | Resolved-Approval Certificate was received. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-The lender's loan Approval Certificate is missing from the file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Resolved-Approval Certificate was received. - Due Diligence Vendor-XX/XX/XXXX | XXXXXXXX XXXXXXXXXXX.XXX |  |  | NJ | Primary Residence | Refinance | Cash Out - Other | 7264502 | N/A | N/A |
| XXXX | 21625753 | XXXX | XXXX | Closed | 2026-01-27 05:24 | 2026-01-28 22:35 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Initial Escrow Disclosure | Resolved-Invalid Condition, This is a Xnd lien transaction with impounds been escrowed hence no IEAD required, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-This is a NonQM Second Loan, no impounds on this one. IEAD not required. - Seller-XX/XX/XXXX <br> Open-Missing Initial Escrow disclosure. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-This is a NonQM Second Loan, no impounds on this one. IEAD not required. - Seller-XX/XX/XXXX | Resolved-Invalid Condition, This is a Xnd lien transaction with impounds been escrowed hence no IEAD required, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX |  |  |  | CA | Second Home | Refinance | Cash Out - Other | 7308277 | N/A | N/A |
| XXXX | 20395610 | XXXX | XXXX | Closed | 2026-01-27 04:35 | 2026-02-02 11:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Loan Approval Document is Missing | Resolved-Approval Certificate received. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. UW approval Cert -- sorry there was no drop down that I could use under doc type. - Seller-XX/XX/XXXX <br> Open-The Lender's Loan Approval Certificate is missing. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. UW approval Cert -- sorry there was no drop down that I could use under doc type. - Seller-XX/XX/XXXX | Resolved-Approval Certificate received. - Due Diligence Vendor-XX/XX/XXXX | XXXXXXXX XXXXXXXXXXX.XXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7307963 | N/A | N/A |
| XXXX | 26176204 | XXXX | XXXX | Closed | 2026-02-02 06:38 | 2026-02-12 12:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 IRS Transcripts Missing | Resolved-Borrower X IRS WX Transcripts Provided. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Tax transcripts for BX - Seller-XX/XX/XXXX <br> Open-Borrower X IRS Transcripts Missing Per XXXXXXXXXX X.X.X for Full Doc income for Wage/Salaried borrowers. W-X transcripts are required. Borrower X is a waged employee that qualified with paystubs and X years WXs in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Tax transcripts for BX - Seller-XX/XX/XXXX | Resolved-Borrower X IRS WX Transcripts Provided. - Due Diligence Vendor-XX/XX/XXXX | XXXXXXXX XXXXXXXX (XX).XXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7394849 | N/A | N/A |
| XXXX | 26176204 | XXXX | XXXX | Closed | 2026-02-02 06:39 | 2026-02-12 12:46 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-VVOE received. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-Borrower X Xrd Party VOE Prior to Close Missing Borrower X's Verification of Employment Report (VOE) is dated XX/XX/XXXX, which is more than XX days from the Note Date of X/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals X) - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-VVOE received. - Due Diligence Vendor-XX/XX/XXXX | XXXXX XXXXXX XXX XX-XXX.XXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7394915 | N/A | N/A |
| XXXX | 26176204 | XXXX | XXXX | Closed | 2026-02-01 12:29 | 2026-02-05 15:00 | Resolved | 1 - Information D A | Credit | Missing Doc | Loan Approval Document is Missing | Resolved-Approval Certificate was received. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-The Lender's Loan Approval Certificate is missing from the loan file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Resolved-Approval Certificate was received. - Due Diligence Vendor-XX/XX/XXXX | XXXXXXXX XXXXXXXXXXX.XXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7389329 | N/A | N/A |
| XXXX | 26176204 | XXXX | XXXX | Closed | 2026-01-28 06:32 | 2026-02-03 14:05 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Corrected XXXX received on X/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Counter-The uploaded document still reflects "Limited Cash-Out Refinance." - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-The XXXX document is missing from the loan file. The XXXX provided shows the Loan Purpose as a "Limited Cash Out Refinance." However, per the Final CD, the borrower is receiving $XX,XXX.XX cash funds from the transaction. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Resolved-Corrected XXXX received on X/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX | XXXXXXX (XX).XXX<br> XXXXXXX (XX).XXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7327064 | N/A | N/A |
| XXXX | 25557703 | XXXX | XXXX | Closed | 2026-01-28 20:17 | 2026-02-02 12:51 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-COC received. - Due Diligence XXXXXX-XX/XX/XXXX <br> Resolved- - Due Diligence XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Broker Fees, Appraisal Desk Review Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). (X) The Originator Compensation increased from $XXXX on the LE dated XX/XX/XXXX to $XXXX on the LE dated X/XX/XXXX. There is no COC in file for this increase. (X) A XXXX Re-Inspection Fee was added to the XX/XX/XXXX LE that was not on the Initial LE dated XX/XX/XXXX. No COC in file for this fee addition in Section B. - Due Diligence XXXXXX-XX/XX/XXXX <br> Open- - Due Diligence XXXXXX-XX/XX/XXXX <br> Open- - Due Diligence XXXXXX-XX/XX/XXXX <br> Open- - Due Diligence XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX | Resolved-COC received. - Due Diligence XXXXXX-XX/XX/XXXX | CHANGE OF CIRCUMSTANCE _ XXX.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7342655 | N/A | N/A |
| XXXX | 26241271 | XXXX | XXXX | Closed | 2026-01-28 01:37 | 2026-02-10 00:19 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Resolved-Anti steering Disclosure is Missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence XXXXXX-XX/XX/XXXX <br> Resolved-Resolved - Due Diligence XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Please see attached Anti Steering disclosure - XXXXXX-XX/XX/XXXX <br> Open-Broker fee is marked as paid by lender, this requires an Anti-Steering Disclosure, but indicator is not selected as Present. Review this requirement. Broker fee is marked as paid by lender requiring an Anti-Steering Disclosure which is missing in file. - Due Diligence XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached Anti Steering disclosure - XXXXXX-XX/XX/XXXX | Resolved-Anti steering Disclosure is Missing in file, provided the same, changes made in system, Finding Resolved - Due Diligence XXXXXX-XX/XX/XXXX <br> Resolved-Resolved - Due Diligence XXXXXX-XX/XX/XXXX | XXXXXXXXXX XXXXXXXX Anti steering.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7324584 | N/A | N/A |
| XXXX | 26241271 | XXXX | XXXX | Closed | 2026-01-28 08:07 | 2026-01-29 09:24 | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Confirmation of the borrower's ownership in property has been provided and reviewed. Finding has been cleared. - Due Diligence XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Please see attached Property profile reflects borrower has owned Subject property since XXXX. - XXXXXX-XX/XX/XXXX <br> Open-Loan does not conform to program guidelines The previous note is dated XXX XX, XXXX. Section X.X of guidelines confirms the seasoning requirements for cash-out refinances. If cash-out seasoning is X months or less, restrictions will apply. Documentation confirming the borrower acquired the property through an inheritance, or was legally awarded the property through divorce, separation, or dissolution of a domestic partnership is pending from file. - Due Diligence XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached Property profile reflects borrower has owned Subject property since XXXX. - XXXXXX-XX/XX/XXXX | Resolved-Confirmation of the borrower's ownership in property has been provided and reviewed. Finding has been cleared. - Due Diligence XXXXXX-XX/XX/XXXX | XXXXXXXXXX XXXXXXXX owned since XXXX REO XXXXX X XXXXXXXXX XX.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7329220 | N/A | N/A |
| XXXX | 26241271 | XXXX | XXXX | Closed | 2026-01-28 02:58 | 2026-01-28 07:11 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Current guidelines don't allow the use of appraisal from previous transaction<br> Exception Request Description: Exception to use the appraisal from previous transaction - Due Diligence XXXXXX-XX/XX/XXXX |  | Waived-Current guidelines don't allow the use of appraisal from previous transaction<br> Exception Request Description: Exception to use the appraisal from previous transaction - Due Diligence XXXXXX-XX/XX/XXXX |  |  | XX.XX% DTI is below the maximum XX% DTI by XX.XX%.<br> XXX Representative credit score exceeds the minimum required of XXX by XX points<br> Borrower has $XXX,XXX residual income after all expenses. Minimum required per guideline is $X,XXX. | CA | Primary Residence | Refinance | Cash Out - Other | 7324917 | Originator Pre-Close | Yes |
| XXXX | 26241271 | XXXX | XXXX | Closed | 2026-01-28 02:55 | 2026-01-28 07:08 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV Requirements | Waived-Audited CLTV of XX% exceeds Guideline CLTV of XX% Current guidelines allow for max CLTV of XX% for a combined loan of X.XM<br> Exception Request Description: Allow for XX% CLTV for a max combined lien of X.XM - Due Diligence XXXXXX-XX/XX/XXXX |  | Waived-Audited CLTV of XX% exceeds Guideline CLTV of XX% Current guidelines allow for max CLTV of XX% for a combined loan of X.XM<br> Exception Request Description: Allow for XX% CLTV for a max combined lien of X.XM - Due Diligence XXXXXX-XX/XX/XXXX |  |  | XX.XX% DTI is below the maximum XX% DTI by XX.XX%.<br> XXX Representative credit score exceeds the minimum required of XXX by XX points<br> Borrower has $XXX,XXX residual income after all expenses. Minimum required per guidelines is $X,XXX. | CA | Primary Residence | Refinance | Cash Out - Other | 7324867 | Originator Pre-Close | Yes |
| XXXX | 26241271 | XXXX | XXXX | Closed | 2026-01-28 01:37 | 2026-01-28 02:22 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XX.XX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, Escrow Waiver disclosures and loan information is on Pg#'s XXX, and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX-XXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX-XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines, resolved. - Due Diligence XXXXXX-XX/XX/XXXX <br> Open- - Due Diligence XXXXXX-XX/XX/XXXX |  | Resolved-The loan's (XX.XX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, Escrow Waiver disclosures and loan information is on Pg#'s XXX, and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX-XXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX-XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines, resolved. - Due Diligence XXXXXX-XX/XX/XXXX |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7324588 | N/A | N/A |
| XXXX | 26241271 | XXXX | XXXX | Closed | 2026-01-28 01:37 | 2026-01-28 02:22 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a Xxxxxxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XX%) equals or exceeds the Xxxxxxxxxx HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, Escrow Waiver disclosures and loan information is on Pg#'s XXX, and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX-XXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX-XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines, resolved. - Due Diligence XXXXXX-XX/XX/XXXX <br> Open- - Due Diligence XXXXXX-XX/XX/XXXX |  | Resolved-This is a Xxxxxxxxxx Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XX%) equals or exceeds the Xxxxxxxxxx HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, Escrow Waiver disclosures and loan information is on Pg#'s XXX, and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX-XXX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX-XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines, resolved. - Due Diligence XXXXXX-XX/XX/XXXX |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7324586 | N/A | N/A |
| XXXX | 27604005 | XXXX | XXXX | Closed | 2026-01-29 03:17 | 2026-01-30 01:52 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Requested REO Tax & insurance documents provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Please see attached. - Seller-XX/XX/XXXX <br> Open-The following properties are missing the required tax documentation to confirm PITIA and DTI<br>XXX- XXX XXXX<br> XXXX XXXX <br> XXXX XXXX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached. - Seller-XX/XX/XXXX | Resolved-Requested REO Tax & insurance documents provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX | XXXXXXXXXX XXXX XXXX XXXXXXXX XX.XXX<br> XXXXXXXXXX XXXX XXXX X XXXXXXXX.XXX<br> XXXXXXXXXX XXXX XXX-XXX N XXX XXXXX.XXX |  |  | CA | Investment | Refinance | Cash Out - Other | 7345172 | N/A | N/A |
| XXXX | 28883534 | XXXX | XXXX | Closed | 2026-01-29 21:19 | 2026-02-02 03:27 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Updated Final XXXX uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX <br> Open-The Final XXXX is Incomplete Final XXXX Xst page is missing in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX | Resolved-Updated Final XXXX uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-The Final XXXX is Present - Due Diligence Vendor-XX/XX/XXXX | XXXXXXXXXX XXXXXXXXXX XXXX- XXXXXX.XXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7363935 | N/A | N/A |
| XXXX | 28883534 | XXXX | XXXX | Closed | 2026-01-29 23:42 | 2026-02-02 02:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Requested supporting documents for REO property provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Please see attached is the Final CD for New Purchase NOO REO Concurrent closed loan XXXXXXXXXX - Seller-XX/XX/XXXX <br> Open-Property #XXXXX XXXX reflects a mortgage payment of $X,XXX.XX. The file is missing the supporting document to confirm PITIA and DTI - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached is the Final CD for New Purchase NOO REO Concurrent closed loan XXXXXXXXXX - Seller-XX/XX/XXXX | Resolved-Requested supporting documents for REO property provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX | XXXXXXXXXX XXXXXXXXXX Closing Disclosure - Final Concurrent closed loan XXXXXXXXXX.XXX<br> XXXXXXXXXX XXXXXXXXXX XXXX and XXXX.XXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7364905 | N/A | N/A |
| XXXX | 28883534 | XXXX | XXXX | Closed | 2026-01-29 23:24 | 2026-01-30 07:20 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, Escrow Waiver disclosures and loan information is on Pg#'s XXX, and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, Escrow Waiver disclosures and loan information is on Pg#'s XXX, and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7364754 | N/A | N/A |
| XXXX | 28883534 | XXXX | XXXX | Closed | 2026-01-29 23:24 | 2026-01-30 07:20 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, Escrow Waiver disclosures and loan information is on Pg#'s XXX, and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, Escrow Waiver disclosures and loan information is on Pg#'s XXX, and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7364755 | N/A | N/A |
| XXXX | 25833296 | XXXX | XXXX | Closed | 2026-01-30 03:28 | 2026-02-22 23:02 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Resolved-Anti-Steering disclosure provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Please see attached. - Seller-XX/XX/XXXX <br> Open-Broker fee is marked as paid by lender, this requires an Anti-Steering Disclosure, but indicator is not selected as Present. Review this requirement. Broker fee is marked as paid by lender, this requires an Anti-Steering disclosure which is missing in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached. - Seller-XX/XX/XXXX | Resolved-Anti-Steering disclosure provided. Resolved - Due Diligence Vendor-XX/XX/XXXX | XXXXXXXXXX XXXXXXXXXX XXXXXXXXXXXX XXXX.XXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7366348 | N/A | N/A |
| XXXX | 25833296 | XXXX | XXXX | Closed | 2026-01-30 03:28 | 2026-02-23 05:47 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, Escrow Waiver disclosures and loan information is on Pg#'s XXX, and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, Escrow Waiver disclosures and loan information is on Pg#'s XXX, and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7366351 | N/A | N/A |
| XXXX | 25833296 | XXXX | XXXX | Closed | 2026-01-30 03:28 | 2026-02-23 05:47 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the XXXXXXXXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, Escrow Waiver disclosures and loan information is on Pg#'s XXX, and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines, resolved. - XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the XXXXXXXXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, Escrow Waiver disclosures and loan information is on Pg#'s XXX, and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines, resolved. - XXXXXXXXXX XXXXXX-XX/XX/XXXX |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7366350 | N/A | N/A |
| XXXX | 26268934 | XXXX | XXXX | Closed | 2026-02-03 03:39 | 2026-02-12 06:47 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Resolved - XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br> Open-The loan disbursement date (XXXX-XX-XX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, XX CFR XXXX.XX(c) and Official Staff Commentary) The loan disbursement date (XXXX-XX-XX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). - XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX | Resolved-Resolved - XXXXXXXXXX XXXXXX-XX/XX/XXXX | XXXXXXXXXXXXXXXXXXXXXXXX X.pdf<br> XXXX X.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7411595 | N/A | N/A |
| XXXX | 26268934 | XXXX | XXXX | Closed | 2026-02-03 02:37 | 2026-02-10 00:05 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-Requested XXXX Final Xst page provided, updated & condition resolved. - XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Resolved-The Final XXXX is Present - XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br> Open-The Final XXXX is Incomplete Page X of Final XXXX is missing. - XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX | Resolved-Requested XXXX Final Xst page provided, updated & condition resolved. - XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Resolved-The Final XXXX is Present - XXXXXXXXXX XXXXXX-XX/XX/XXXX | XXXXX XXXX.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7411168 | N/A | N/A |
| XXXX | 23294859 | XXXX | XXXX | Closed | 2026-02-03 10:57 | 2026-02-10 07:20 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Closing Disclosure and Consummation Date | Resolved-Initial Cd provided - XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br> Open- - XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open-The Initial Closing Disclosure Received Date of (XXXX-XX-XX) is not three business days before the consummation date of (XXXX-XX-XX). Three business days before the consummation date is (XXXXXXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (XX CFR XXXX.XX(f)(X)(ii)(A)); XXXX.XX(f)(X)(iii)) - XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX | Resolved-Initial Cd provided - XXXXXXXXXX XXXXXX-XX/XX/XXXX | XXXXXXX XX X-XX.pdf |  |  | AZ | Primary Residence | Refinance | Cash Out - Other | 7422431 | N/A | N/A |
| XXXX | 23294859 | XXXX | XXXX | Closed | 2026-02-03 08:43 | 2026-02-10 00:09 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Requested initial XXXX with LO sign provided, updated & condition resolved. - XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Resolved-The Initial XXXX is Present - XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br> Open-The Initial XXXX is Missing Missing initial XXXX in file signed and dated by MLO - XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX | Resolved-Requested initial XXXX with LO sign provided, updated & condition resolved. - XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Resolved-The Initial XXXX is Present - XXXXXXXXXX XXXXXX-XX/XX/XXXX | XXXXXXX XXXX XX XXXXXX.pdf |  |  | AZ | Primary Residence | Refinance | Cash Out - Other | 7418397 | N/A | N/A |
| XXXX | 23974182 | XXXX | XXXX | Closed | 2026-02-03 02:01 | 2026-02-24 22:15 | Resolved | 1 - Information C A | Property | Appraisal | Appraisal is Expired | Resolved-Recertification of Value (XXXXD) uploaded, Verified & entered in system - Resolved<br> - XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Updated ROV - XXXXXX-XX/XX/XXXX <br> Open-Primary Value Appraisal is Expired, Check XXXXD Completion date if available to confirm if expired. (Days Difference is XXX) The Appraisal document is expired. The XXXX Appraisal provided is dated X/XX/XXXX, which is XXX days from the Note Date. Per guidelines, an Appraisal can be no more than XXX days. No XXXXD for recertification of value was provided. - XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated ROV - XXXXXX-XX/XX/XXXX | Resolved-Recertification of Value (XXXXD) uploaded, Verified & entered in system - Resolved<br> - XXXXXXXXXX XXXXXX-XX/XX/XXXX | XXXXXXXXX_XXXXXXXX_XXXX_XXXXXXXXXXXXXX XX XXXXX (XXXXD)_X.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7410998 | N/A | N/A |
| XXXX | 23974182 | XXXX | XXXX | Closed | 2026-02-03 02:01 | 2026-02-24 22:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Homeowners Association Questionnaire | Resolved-Condo Questionnaire was provided. - XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. HOA - Condo Questionaire - XXXXXX-XX/XX/XXXX <br> Open-HOA Questionnaire is Missing or Partial. Condo Questionnaire is missing from the loan file. Per the Final CD, the borrower was charged for one, payable to XXXXXXX XXXXXXXX XXXX XXX. - XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. HOA - Condo Questionaire - XXXXXX-XX/XX/XXXX | Resolved-Condo Questionnaire was provided. - XXXXXXXXXX XXXXXX-XX/XX/XXXX | XXXX_ XXXXXX XXXXXXXXXXX.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7410997 | N/A | N/A |
| XXXX | 23974182 | XXXX | XXXX | Closed | 2026-02-04 10:51 | 2026-02-05 14:14 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-The lender's Approval Certificate was received. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. UW approval - Seller-XX/XX/XXXX <br> Open-The lender's Approval Certificate is missing from the file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. UW approval - Seller-XX/XX/XXXX | Resolved-The lender's Approval Certificate was received. - Due Diligence Vendor-XX/XX/XXXX | XXXXXXXX XXXXXXXXXXX.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7444472 | N/A | N/A |
| XXXX | 23974182 | XXXX | XXXX | Closed | 2026-02-03 00:54 | 2026-02-05 14:14 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-The recorded Deed of Trust was provided. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. recorded dot - Seller-XX/XX/XXXX <br> Open-The Deed of Trust is Missing The Mortgage / Deed of Trust is missing from the loan file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. recorded dot - Seller-XX/XX/XXXX | Resolved-The recorded Deed of Trust was provided. - Due Diligence Vendor-XX/XX/XXXX | XXXXXXXX XXXXX XX XXXXX.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7410745 | N/A | N/A |
| XXXX | 23974182 | XXXX | XXXX | Closed | 2026-02-03 04:05 | 2026-02-05 14:13 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-COC received. System updated. - Due Diligence Vendor-XX/XX/XXXX <br> Resolved- - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. COC dated X/X for LC $XXXX.XX - Seller-XX/XX/XXXX <br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($X,XXX.XX). The Last CD shows a total lender credit amount of ($X,XXX.XX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X)(i) and comments XX(e)(X)(i)-X and - X; XX CFR XXXX.XX(f)(X)(v); XX CFR XXXX.XX(g)(X); XX CFR XXXX.XX(h)). Lender Credit decreased from $X,XXX.XX ion the Initial CD to $X,XXX.XX on the Final CD. No COC was provided for this decrease. - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. COC dated X/X for LC $XXXX.XX - Seller-XX/XX/XXXX | Resolved-COC received. System updated. - Due Diligence Vendor-XX/XX/XXXX | COC dated X-X-XXXX - LC $XXXX.XX.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7411780 | N/A | N/A |
| XXXX | 23974182 | XXXX | XXXX | Closed | 2026-02-03 04:05 | 2026-02-05 14:12 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br> Resolved- - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. COC dated XX/XX for CDA $XXX - Seller-XX/XX/XXXX <br> Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Desk Review Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). Collateral Desktop Analysis fee added on the Initial CD dated XX/XX/XXXX in section B. No COC was provided for this newly-added fee. - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. COC dated XX/XX for CDA $XXX - Seller-XX/XX/XXXX | Resolved- - Due Diligence Vendor-XX/XX/XXXX | COC dated XX-XX-XXXX for CDA $XXX.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7411782 | N/A | N/A |
| XXXX | 23974182 | XXXX | XXXX | Closed | 2026-02-03 04:05 | 2026-02-25 05:58 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-. - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow Final Closing disclosure on Pg#'s XXX, Finding reflects no escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XXX, the appraisal disclosure was provided to the borrower(s)- see Pg#' XXX and confirmation the appraisal was delivered to the borrower – see Pg#'XXX. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-. - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow Final Closing disclosure on Pg#'s XXX, Finding reflects no escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XXX, the appraisal disclosure was provided to the borrower(s)- see Pg#' XXX and confirmation the appraisal was delivered to the borrower – see Pg#'XXX. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7411781 | N/A | N/A |
| XXXX | 23974182 | XXXX | XXXX | Closed | 2026-02-03 04:05 | 2026-02-25 05:58 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-. - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow Final Closing disclosure on Pg#'s XXX, Finding reflects no escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XXX, the appraisal disclosure was provided to the borrower(s)- see Pg#' XXX and confirmation the appraisal was delivered to the borrower – see Pg#'XXX. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-. - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow Final Closing disclosure on Pg#'s XXX, Finding reflects no escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XXX, the appraisal disclosure was provided to the borrower(s)- see Pg#' XXX and confirmation the appraisal was delivered to the borrower – see Pg#'XXX. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7411783 | N/A | N/A |
| XXXX | 23200860 | XXXX | XXXX | Closed | 2026-02-03 04:37 | 2026-02-03 06:57 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow waiver disclosures and loan information is on Pg#'s XXX, and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX-XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow waiver disclosures and loan information is on Pg#'s XXX, and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX-XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX |  |  |  | NV | Primary Residence | Refinance | Cash Out - Other | 7412031 | N/A | N/A |
| XXXX | 22887308 | XXXX | XXXX | Closed | 2026-02-10 06:07 | 2026-02-17 05:39 | Resolved | 1 - Information C A | Compliance | Mavent | Rescission: Disbursement | Resolved-Lender provided updated ROR. - Due Diligence Vendor-XX/XX/XXXX <br> Resolved- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Resolved- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open-The loan disbursement date (XXXX-XX-XX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. The Last Closing Disclosure (XXXX-XX-XX) was sent after Consummation, so the system assumes the CD with the "material disclosures" was provided before or on the (XXXX-XX-XX) Consummation Date. A "consumer" may exercise the right to rescind until midnight of the Xrd business day following consummation, receipt of the Notice of Right to Cancel, or delivery of all material disclosures, whichever occurs last. "Material disclosures" means the disclosure of the APR, the finance charge, the amount financed, the total of payments, the payment schedule, and the disclosures and limitations in sections XXXX.XX(c) and (d) and XXXX.XX(g) (if applicable). (XX XXX XXXX.XX)<br> ROR - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Lender provided updated ROR. - Due Diligence Vendor-XX/XX/XXXX |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7533099 | N/A | N/A |
| XXXX | 22887308 | XXXX | XXXX | Closed | 2026-02-04 05:37 | 2026-02-17 05:36 | Resolved | 1 - Information C A | Compliance | Mavent | Rescission: Variance | Resolved-Lender provided an updated ROR. - Due Diligence Vendor-XX/XX/XXXX <br> Resolved- - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Condition needs to stay open until after rescission period ends. - Due Diligence Vendor-XX/XX/XXXX <br> Resolved- - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-Missing updated Right to Cancel with XX/XX/XX expiration date. - Due Diligence Vendor-XX/XX/XXXX <br> Open-The disclosed "Right to Cancel Expire Date" (XXXX-XX-XX) is earlier than the system calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Reg Z, funds may not be disbursed to the borrower until the expiration of the rescission period. The Last Closing Disclosure (XXXX-XX-XX) was sent after Consummation, so the system assumes the CD with the "material disclosures" was provided before or on the (XXXX-XX-XX) Consummation Date. A "consumer" may exercise the right to rescind until midnight of the Xrd business day following consummation, receipt of the Notice of Right to Cancel, or delivery of all material disclosures, whichever occurs last. "Material disclosures" means the disclosure of the APR, the finance charge, the amount financed, the total of payments, the payment schedule, and the disclosures and limitations in sections XXXX.XX(c) and (d) and XXXX.XX(g) (if applicable). (XX XXX XXXX.XX) - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Resolved-Lender provided an updated ROR. - Due Diligence Vendor-XX/XX/XXXX | XXXXXXXXXXXXXXX.pdf<br> XXXXXXXXXX XXX.pdf<br> XXXXXX XXXXXXXXXXXX XXXXX.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7433611 | N/A | N/A |
| XXXX | 22887308 | XXXX | XXXX | Closed | 2026-02-03 00:51 | 2026-02-10 06:09 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Lender provided PCCD with updated disbursement date. - Due Diligence Vendor-XX/XX/XXXX <br> Resolved- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Resolved- - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. LOAN DISBURSED X/XX- PCCD ATTACHED - Seller-XX/XX/XXXX <br> Open-The loan disbursement date (XXXX-XX-XX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, XX XXX XXXX.XX(c) and Official Staff Commentary) The Final CD shows a fund date of XX/XX/XXXX and the borrower signed XX/XX/XXXX. The right to cancel shows an expiration of XX/XX/XXXX but should show XX/XX/XXXX. Missing updated pccd. - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. LOAN DISBURSED X/XX- PCCD ATTACHED - Seller-XX/XX/XXXX | Resolved-Lender provided PCCD with updated disbursement date. - Due Diligence Vendor-XX/XX/XXXX | XXXXXXXXXX XXXX.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7410739 | N/A | N/A |
| XXXX | 22887308 | XXXX | XXXX | Closed | 2026-02-03 00:51 | 2026-02-04 05:41 | Resolved | 1 - Information C A | Compliance | Rescission:Variance | Federal - Right of Rescission Variance Failure (TILA) | Resolved-Lender provided PCCD with updated disbursement date. - Due Diligence Vendor-XX/XX/XXXX <br> Resolved- - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Disbursement date was X/XX- PCCD attached - Seller-XX/XX/XXXX <br> Open-The disclosed "Right to Cancel Expire Date" (XXXX-XX-XX) is earlier than the system calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Regulation Z, funds may not be disbursed to the borrower until the expiration of the rescission period. (XX XXX XXXX.XX(c) and Official Staff Commentary) The Final CD shows a fund date of XX/XX/XXXX and the borrower signed XX/XX/XXXX. The right to cancel shows an expiration of XX/XX/XXXX but should show XX/XX/XXXX. Missing updated right to cancel. - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Disbursement date was X/XX- PCCD attached - Seller-XX/XX/XXXX | Resolved-Lender provided PCCD with updated disbursement date. - Due Diligence Vendor-XX/XX/XXXX | XXXXXXXXXX XXXX.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7410738 | N/A | N/A |
| XXXX | 22887308 | XXXX | XXXX | Closed | 2026-02-03 00:51 | 2026-02-17 14:13 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the XXXXXXXXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX XXX XXXX.XX(a)(iii)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrow waiver, escrow waiver disclosures and loan information is on Pg#'s XXX, XXX and the Final Closing disclosure on Pg#'s XX , Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg# XX, XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XX. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (X.XXX%) equals or exceeds the XXXXXXXXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX XXX XXXX.XX(a)(iii)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrow waiver, escrow waiver disclosures and loan information is on Pg#'s XXX, XXX and the Final Closing disclosure on Pg#'s XX , Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg# XX, XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XX. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-XX/XX/XXXX |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7410737 | N/A | N/A |
| XXXX | 22887308 | XXXX | XXXX | Closed | 2026-02-03 00:51 | 2026-02-17 14:13 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX XXX XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrow waiver, escrow waiver disclosures and loan information is on Pg#'s XXX, XXX and the Final Closing disclosure on Pg#'s XX , Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg# XX, XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX XXX XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrow waiver, escrow waiver disclosures and loan information is on Pg#'s XXX, XXX and the Final Closing disclosure on Pg#'s XX , Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg# XX, XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7410740 | N/A | N/A |
| XXXX | 21730607 | XXXX | XXXX | Closed | 2026-02-03 22:05 | 2026-02-18 13:30 | Resolved | 1 - Information C A | Credit | Credit | Deficient self-employment income documentation. | Resolved-Missing statements received. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Counter-New Income calculation received along with a corrected XXXX. However, this income calculation includes bank statements from XXXXXXX XXXX & XXXXXXXX XXXX that were not initially provided in the loan package. These two statements are still missing. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-Discrepancy in ownership percentage. Per the Operating Agreement for XXX XX XXXXXXXX (page X of X), the borrower owns XX/XXX (XX%) of the business. But, per the XXXXXXXXXX Self-Employed Business Narrative, the borrower owns XXX%. Lender used XXX% ownership in income calculation, but the file is missing evidence to clear this discrepancy. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Resolved-Missing statements received. - Due Diligence Vendor-XX/XX/XXXX | XXXXXXXXX XXXX.pdf<br> XXXXXXXXX XXXXXX XXXX.pdf<br> XXXXX - XXXXXXXX.pdf<br> XXXXX - XXXXXXX.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7430014 | N/A | N/A |
| XXXX | 21730607 | XXXX | XXXX | Closed | 2026-02-17 06:39 | 2026-02-17 13:54 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final XXXX was updated. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-The Final XXXX is Incomplete Income calculation recently changed & an updated XXXX was provided. A corrected XXXX is also needed to show the new income calculation. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Resolved-The Final XXXX was updated. - Due Diligence Vendor-XX/XX/XXXX | XXXXXXX XXXX.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7650420 | N/A | N/A |
| XXXX | 21730607 | XXXX | XXXX | Closed | 2026-02-04 11:49 | 2026-02-11 13:10 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-The lender's Approval Certificate was received. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-The lender's Approval Certificate is missing from the file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Resolved-The lender's Approval Certificate was received. - Due Diligence Vendor-XX/XX/XXXX | XXXXXXXX XXXXXXX.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7445687 | N/A | N/A |
| XXXX | 21730607 | XXXX | XXXX | Closed | 2026-02-04 11:24 | 2026-02-11 13:10 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Resolved-RCE received. The replacement cost is less than the sum of Xst lien + Xnd lien loan balances. System updated. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-Hazard Insurance Coverage Amount of $XXXXXXX.X is less than Required Coverage Amount of $XXXXXXX and Guaranteed Replacement Coverage indicator is 'No' The Hazard Insurance has dwelling coverage of $X,XXX,XXX plus XXX% extended coverage, which increases total coverage to $X,XXX,XXX.XX. Per guidelines X.XX.X or Coverage Requirements, the coverage needs to be the lesser of "• XXX% of the replacement cost of the improvements, or • The unpaid principal balance of all liens." Total Xst lien is $X,XXX,XXX and total subject Xnd lien is $X,XX,XXX for a total of all liens of $X,XXX,XXX. There is no Replacement Cost Estimator (RCE) in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Resolved-RCE received. The replacement cost is less than the sum of Xst lien + Xnd lien loan balances. System updated. - Due Diligence Vendor-XX/XX/XXXX | XXXXXX XXXXXXXXX XXXXX XXXXXX XXXXXXXX (X).pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7445091 | N/A | N/A |
| XXXX | 21730607 | XXXX | XXXX | Closed | 2026-02-03 22:34 | 2026-02-11 13:09 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Desk Review is X% variance received. System updated. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X Secondary Valuation or Additional Valuation for securitization purposes is missing. File needs a FNMA or FHLMC UCDP/SSR report with a score less than X.X, or the file needs an Appraisal Desk Review. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Resolved-Desk Review is X% variance received. System updated. - Due Diligence Vendor-XX/XX/XXXX | XXX.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7430157 | N/A | N/A |
| XXXX | 21730607 | XXXX | XXXX | Closed | 2026-02-03 23:00 | 2026-02-05 14:22 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Initial Closing Disclosure | Resolved-Initial CD provided. System updated & Mavent passed. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-TRID: Missing Closing Disclosure Missing TRID documents. Unable to run a compliance test. The file is missing an Initial CD. The TRID documents provided were an LE dated X/XX/XXXX and the Final CD dated X/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Resolved-Initial CD provided. System updated & Mavent passed. - Due Diligence Vendor-XX/XX/XXXX | XXXXXXX XXXXXXXXXX XXXXXXX - XXXXXX.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7430337 | N/A | N/A |
| XXXX | 24863153 | XXXX | XXXX | Closed | 2026-02-03 01:01 | 2026-02-05 10:28 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-The provided documents confirm XXX XXXXXXXX'X PITIA. Request for documentation has been cleared. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Please see attached. - Seller-XX/XX/XXXX <br> Open-The following property is missing the required tax documentation confirming PITIA:<br>XXX XXXXXXXX XXX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached. - Seller-XX/XX/XXXX | Resolved-The provided documents confirm XXX XXXXXXXX'X PITIA. Request for documentation has been cleared. - Due Diligence Vendor-XX/XX/XXXX | XXXXXXXXXX XXXXXXXXX XXX XXXXXXXX XXXX XXXXXXX.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7410778 | N/A | N/A |
| XXXX | 24863153 | XXXX | XXXX | Closed | 2026-02-03 00:23 | 2026-02-05 10:22 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. A PCCD WAS ISSUED SHOWING DISBURSEMENT DATE OF X/XX - Seller-XX/XX/XXXX <br> Open-The loan disbursement date (XXXX-XX-XX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, XX CFR XXXX.XX(c) and Official Staff Commentary) The loan disbursement date (XXXX-XX-XX) is earlier than, or the same day, as the calculated "Right to Cancel Expire Date" (XXXX-XX-XX) - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. A PCCD WAS ISSUED SHOWING DISBURSEMENT DATE OF X/XX - Seller-XX/XX/XXXX | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX | XXXXXXXXXX XXXXXXXXX.pdf<br> XXXXXXXXXX XXX.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7410596 | N/A | N/A |
| XXXX | 24863153 | XXXX | XXXX | Closed | 2026-02-03 00:29 | 2026-02-05 04:20 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI Requirements | Resolved-DTI matches now, Installment account XXXXXXXX-XXXX XXXXXX,XXXX with payment $XXXX is being paid by business. Hence excluded. Resolved - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. We respectfully disagree. The full PITIA was included in the DTI calculations. Please see attached. - Seller-XX/XX/XXXX <br> Open-Audited DTI of XX.XX% exceeds Guideline DTI of XX% The provided credit report and application indicates an investment property expense iao $X,XXX.X for XXX XXXXXXX XXX ($X,XXX P&I + $X,XXX.XX in Taxes and insurance). There is no lease or confirmation of sale in file to indicate the property is occupied. The XX% guideline maximum DTI has been breached - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. We respectfully disagree. The full PITIA was included in the DTI calculations. Please see attached. - Seller-XX/XX/XXXX | Resolved-DTI matches now, Installment account XXXXXXXX-XXXX XXXXXX,XXXX with payment $XXXX is being paid by business. Hence excluded. Resolved - Due Diligence Vendor-XX/XX/XXXX | XXXXXXXXXX XXXXXXXXX XXXX.pdf<br> XXXXXXXXXX XXXXXXXXX XXXX.pdf<br> XXXXXXXXXX XXXXXXXXX XXX XXXXXXX XXXXX.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7410624 | N/A | N/A |
| XXXX | 28766408 | XXXX | XXXX | Closed | 2026-02-04 06:08 | 2026-02-04 11:37 | Resolved | 1 - Information A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX <br> Open-Housing History Does Not Meet Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX |  |  |  | NV | Investment | Refinance | Cash Out - Other | 7434970 | N/A | N/A |
| XXXX | 28766408 | XXXX | XXXX | Closed | 2026-02-04 04:52 | 2026-02-04 11:32 | Resolved | 1 - Information A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is XXXX.) - Due Diligence Vendor-XX/XX/XXXX <br> Open-The XXXX Page Loan Type is 'XXXX' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose V2 Page is 'Missing'. Business Purpose Affidavit is required for a XXXX loan. Business Purpose final is missing - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The Business Purpose Affidavit is present or Not Applicable (XXXX Page Loan Type is XXXX.) - Due Diligence Vendor-XX/XX/XXXX |  |  |  | NV | Investment | Refinance | Cash Out - Other | 7432653 | N/A | N/A |
| XXXX | 20146917 | XXXX | XXXX | Closed | 2026-02-02 23:00 | 2026-02-22 23:01 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Resolved-Anti-Steering disclosure provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Please see attached. - Seller-XX/XX/XXXX <br> Open-Broker fee is marked as paid by lender, this requires an Anti-Steering Disclosure, but indicator is not selected as Present. Review this requirement. Broker fee is marked as paid by lender but anti steering disclosure is missing in file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached. - Seller-XX/XX/XXXX | Resolved-Anti-Steering disclosure provided. Resolved - Due Diligence Vendor-XX/XX/XXXX | XXXXXXXXXX XXXXXXXX XXXXXXXXXXXX XXXX.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7410186 | N/A | N/A |
| XXXX | 20146917 | XXXX | XXXX | Closed | 2026-02-03 09:22 | 2026-02-10 06:31 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Lender provided post close fraud showing udm with no updated inquiries or debts. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. see attached. - Seller-XX/XX/XXXX <br> Counter-The fraud lists a monitoring start date of XX/X/XXXX and end date of XX/XX/XXXX. Under inquiry notifications, there are inquiries listed and date received of XX/XX/XX. XX/XX/XX is the date of the fraud which is the date the undisclosed debt monitoring was last pulled. The X/XX/XX is a future date since no inquiries or debts are reflected after XX/XX/XX. Per guidelines, Seller is to confirm there are no new or higher debt obligations for the borrower by using a gap credit report, soft-pull or undisclosed credit monitoring. The gap credit report, soft-pull or final report for the undisclosed debt monitoring is to be dated within XX days of the Note date. The note date is XX/XX/XXXX. Missing a gap credit report, soft-pull or final report for the undisclosed debt monitoring dated XX/XX/XX or after reflecting any new debts or inquiries. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Disagree. Please refer to page XX and XX where the UDM monitoring started on XX/XX/XXXX, which is within XX days of the Note date. Please note for this and future reference, the report date does not change based on the UDM start date. - Seller-XX/XX/XXXX <br> Counter-The lender provided a copy of the fraud report that was in file, The note date is XX/XX/XX. The fraud report is dated XX/XX/XX. This is not within XX days of the note date. Missing undisclosed debt monitoring within XX days of the Note date. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. The Final DV delivered with the loan file had the UDM monitoring started on XX/XX/XXXX, which is within XX days of the Note date. Please see attached. - Seller-XX/XX/XXXX <br> Open-Borrower X Gap Credit Report is Expired (Greater than XX days from Closing/Settlement Date). Per XXX guidelines dated X/X/XX, The gap credit report, sof-pull or final report for the undisclosed debt monitoring is to be dated within XX days of the Note date. The soft pull in file is dated XX/XX/XX and the note date is X/XX/XX. The fraud in file is dated XX/XX/XX with UDM monitoring in process but no updated report was pulled. Missing undisclosed debt monitoring within XX days of the Note date. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. see attached. - Seller-XX/XX/XXXX <br> Ready for Review-Disagree. Please refer to page XX and XX where the UDM monitoring started on XX/XX/XXXX, which is within XX days of the Note date. Please note for this and future reference, the report date does not change based on the UDM start date. - Seller-XX/XX/XXXX <br> Ready for Review-Document Uploaded. The Final DV delivered with the loan file had the UDM monitoring started on XX/XX/XXXX, which is within XX days of the Note date. Please see attached. - Seller-XX/XX/XXXX | Resolved-Lender provided post close fraud showing udm with no updated inquiries or debts. - Due Diligence Vendor-XX/XX/XXXX | XXXXXXXXXX XXXXXXXX XX.pdf<br> XXXXXXXXXX XXXXXXXX XX XXX.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7420439 | N/A | N/A |
| XXXX | 29478507 | XXXX | XXXX | Closed | 2026-02-05 10:29 | 2026-02-05 14:54 | Resolved | 1 - Information C A | Credit | Credit | Lender Approval Form is Missing | Resolved-Approval Certificate was received. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. approval cert - Seller-XX/XX/XXXX <br> Open-The lender's Approval Certificate is missing from the loan file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. approval cert - Seller-XX/XX/XXXX | Resolved-Approval Certificate was received. - Due Diligence Vendor-XX/XX/XXXX | XXXXXXXX XXXXXXX.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7471336 | N/A | N/A |
| XXXX | 29041101 | XXXX | XXXX | Closed | 2026-02-05 01:36 | 2026-02-13 05:50 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Lender Credits That Cannot Decrease Test (50001262) | Resolved-PCCD and Cure check received. Mavent updated and now passes. Issue resolved. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Counter-Clarification needed. The LOX provided says the Title Company changed, but all documentation in file points to the Title Company being "XXXXXXXX XXXXXXXX XXXXX XXXXXXX XX" throughout the process. The fee (and corresponding Lender Credit) in question is the $XX om Section E. - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-Lender Credits on Final CD dated X/XX/XXXX has been reduced to $X.XX from $XX.XX on the CD dated X/XX/XXXX. No COC provided for this decrease in credits. - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($XX.XX). The Last CD shows a total lender credit amount of ($X.XX). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX XXX XXXX.XX(e)(X)(i) and comments XX(e)(X)(i)-X and - X; XX XXX XXXX.XX(f)(X)(v); XX XXX XXXX.XX(g)(X); XX XXX XXXX.XX(h)). Lender Credits on Final CD dated X/XX/XXXX has been reduced to $X.XX from $XX.XX on the CD dated X/XX/XXXX. No COC provided for this decrease in credits. - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Resolved-PCCD and Cure check received. Mavent updated and now passes. Issue resolved. - Due Diligence Vendor-XX/XX/XXXX | XXX XXXXX.pdf<br> XXXXX XX XXXXXXXX $XX.pdf<br> XXXX _ XXXX XXXXXXXXXXXX XX.pdf<br> XXXXXX XX XXXXXXXX (XXXXXXXXX XXXX).pdf |  |  | AZ | Primary Residence | Refinance | Cash Out - Other | 7455044 | N/A | N/A |
| XXXX | 29041101 | XXXX | XXXX | Closed | 2026-02-05 00:31 | 2026-02-12 05:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Business Bank Account statements (XXXX XX XXXXXXX #XXXX) for XX Months uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-Borrower X Business Bank Statements Provided - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-Borrower X Business Bank Statements Missing Per the Income Calculation worksheet and the lender's Approval Certificate, this loan qualified with a XX-month bank statement program (XXXX XX XXXXXXX #XXXX). However, the qualifying bank statements were not provided. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Resolved-Business Bank Account statements (XXXX XX XXXXXXX #XXXX) for XX Months uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-Borrower X Business Bank Statements Provided - Due Diligence Vendor-XX/XX/XXXX | XXXX XXXXXXXXXX XX XXXXXX X.pdf<br> XXXX XXXXXXXXXX XX XXXXXX X.pdf<br> XXXX XXXXXXXXXX XX XXXXXX X.pdf<br> XXXX XXXXXXXXXX XX XXXXXX X.pdf<br> XXXX XXXXXXXXXX XX XXXXXX X.pdf<br> XXXX XXXXXXXXXX XX XXXXXX X.pdf<br> XXXX XXXXXXXXXX XX XXXXXX X.pdf<br> XXXX XXXXXXXXXX XX XXXXXX XX.pdf<br> XXXX XXXXXXXXXX XX XXXXXX X.pdf<br> XXXX XXXXXXXXXX XX XXXXXX X.pdf<br> XXXX XXXXXXXXXX XX XXXXXX XX.pdf<br> XXXX XXXXXXXXXX XX XXXXXX XX.pdf |  |  | AZ | Primary Residence | Refinance | Cash Out - Other | 7454810 | N/A | N/A |
| XXXX | 29041101 | XXXX | XXXX | Closed | 2026-02-05 02:05 | 2026-02-12 03:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Mortgage Statement for Subordination lien uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-The Note for the senior lien ($X,XXX,XXX dated XX/XX/XXXX) is missing from the loan file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Resolved-Mortgage Statement for Subordination lien uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX | XXXXXXXX XXXXXXXX Xst lien.pdf |  |  | AZ | Primary Residence | Refinance | Cash Out - Other | 7455143 | N/A | N/A |
| XXXX | 29041101 | XXXX | XXXX | Closed | 2026-02-05 00:57 | 2026-02-11 13:28 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-Desk Review with X% variance received. System updated. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than X.X The XXXX UCDP/SSR shows a CU score of X.X and the XXXXX UCP/SSR shows an LCA score of X.X. Per the Final CD (section B, line X), the borrower was charged for a Desk Review to XXXXX XXXXXXX. However, the Desk Review was not provided in the loan file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Resolved-Desk Review with X% variance received. System updated. - Due Diligence Vendor-XX/XX/XXXX | XXXXXXXXXX XXXXXXX XXXXXXXX.pdf |  |  | AZ | Primary Residence | Refinance | Cash Out - Other | 7454915 | N/A | N/A |
| XXXX | 29041101 | XXXX | XXXX | Closed | 2026-02-05 01:36 | 2026-02-11 05:54 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Fees: Limited | Resolved-COC received. System updated. - Due Diligence Vendor-XX/XX/XXXX <br> Resolved- - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-The total amount of the XX% category fees on the last Closing Disclosure ($XX.XX) has increased by more than XX% over the current baseline value of ($X.XX). The total amount of fees in the XX% category cannot exceed ($X.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the XX% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (XX CFR XXXX.XX(e)(X)(ii); XX CFR XXXX.XX(e)(X)(iv)). Recording Fees and Other Taxes of $XX has been added to Section E on the Revised LE dated X/XX/XXXX that was not on the Initial LE. No COC provided for this newly-added fee. - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Resolved-COC received. System updated. - Due Diligence Vendor-XX/XX/XXXX | COC XXXX.pdf |  |  | AZ | Primary Residence | Refinance | Cash Out - Other | 7455045 | N/A | N/A |
| XXXX | 29041101 | XXXX | XXXX | Closed | 2026-02-05 01:36 | 2026-02-11 05:54 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Fees: Limited | Resolved-COC received. System updated. - Due Diligence Vendor-XX/XX/XXXX <br> Resolved- - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-The total amount of the XX% category fees ($XX.XX) has increased by more than XX% over the current baseline value of ($X.XX). The total amount of fees in the XX% category cannot exceed ($X.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the XX% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (XX CFR XXXX.XX(e)(X)(ii); XX CFR XXXX.XX(e)(X)(iv)). Recording Fees and Other Taxes of $XX has been added to Section E on the Revised LE dated X/XX/XXXX that was not on the Initial LE. No COC provided for this newly-added fee. - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Resolved-COC received. System updated. - Due Diligence Vendor-XX/XX/XXXX | COC XXXX.pdf |  |  | AZ | Primary Residence | Refinance | Cash Out - Other | 7455046 | N/A | N/A |
| XXXX | 29041101 | XXXX | XXXX | Closed | 2026-02-05 12:23 | 2026-02-11 05:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Property Report received showing the property taxes for the property in question. System updated. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-File is missing evidence of the Property Taxes for XXXX X XXXXXXX XXX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Resolved-Property Report received showing the property taxes for the property in question. System updated. - Due Diligence Vendor-XX/XX/XXXX | XXXX PP.pdf |  |  | AZ | Primary Residence | Refinance | Cash Out - Other | 7474417 | N/A | N/A |
| XXXX | 29260623 | XXXX | XXXX | Closed | 2026-02-03 05:18 | 2026-02-04 05:57 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Lender provided pccd with updated disbursement date. - Due Diligence Vendor-XX/XX/XXXX <br> Resolved- - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Please see attached PCCD disbursement date X.XX - Seller-XX/XX/XXXX <br> Open-The loan disbursement date (XXXX-XX-XX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, XX CFR XXXX.XX(c) and Official Staff Commentary) The loan disbursement date of X/XX/XXXX is earlier than the right to cancel date of X/XX/XXXX. Missing PCCD. - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached PCCD disbursement date X.XX - Seller-XX/XX/XXXX | Resolved-Lender provided pccd with updated disbursement date. - Due Diligence Vendor-XX/XX/XXXX | XXXXXXXXXX XXXXXXXXX XXXXXX.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7412499 | N/A | N/A |
| XXXX | 29260623 | XXXX | XXXX | Closed | 2026-02-03 05:18 | 2026-02-04 05:57 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is not Escrowing, and loan information is on Pg#XXX and the Final Closing disclosure on Pg#XXX reflects no escrows. Rate lock date was entered correctly – see Pg#XXX , An interior and exterior appraisal was completed for this property – see pg#XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXX and confirmation the appraisal was delivered to the borrower – see Pg#'XXX. The loan meets HPML guidelines. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is not Escrowing, and loan information is on Pg#XXX and the Final Closing disclosure on Pg#XXX reflects no escrows. Rate lock date was entered correctly – see Pg#XXX , An interior and exterior appraisal was completed for this property – see pg#XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXX and confirmation the appraisal was delivered to the borrower – see Pg#'XXX. The loan meets HPML guidelines. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7412498 | N/A | N/A |
| XXXX | 29260623 | XXXX | XXXX | Closed | 2026-02-03 05:18 | 2026-02-04 05:57 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is not Escrowing, and loan information is on Pg#XXX and the Final Closing disclosure on Pg#XXX reflects no escrows. Rate lock date was entered correctly – see Pg#XXX , An interior and exterior appraisal was completed for this property – see pg#XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXX and confirmation the appraisal was delivered to the borrower – see Pg#'XXX. The loan meets HPML guidelines. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is not Escrowing, and loan information is on Pg#XXX and the Final Closing disclosure on Pg#XXX reflects no escrows. Rate lock date was entered correctly – see Pg#XXX , An interior and exterior appraisal was completed for this property – see pg#XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXX and confirmation the appraisal was delivered to the borrower – see Pg#'XXX. The loan meets HPML guidelines. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7412500 | N/A | N/A |
| XXXX | 23702896 | XXXX | XXXX | Closed | 2026-02-03 05:36 | 2026-02-04 10:44 | Resolved | 1 - Information C A | Compliance | Interest:Accrual | California - Interest Rate Accrual Warning (Civ. Code) | Resolved-Resolved. Client clarification has been received. Interest accrual compliance fail has been cleared. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. SEE ATTACHED REBUTTAL - XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open-Under the California Civil Code, a Lender may not begin to accrue interest on a loan secured by X-X unit dwelling on real property located in California prior to one day before the loan proceeds are disbursed to the Borrower or to the Borrower's designee. (Cal. Civ. Code XXXX.X) Under the California Civil Code, a Lender may not begin to accrue interest on a loan secured by X-X unit dwelling on real property located in California prior to one day before the loan proceeds are disbursed to the Borrower or to the Borrower's designee. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. SEE ATTACHED REBUTTAL - XXXXXX-XX/XX/XXXX | Resolved-Resolved. Client clarification has been received. Interest accrual compliance fail has been cleared. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | XX XXX XXXXX XX XXXXXXXXXX.XXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7412629 | N/A | N/A |
| XXXX | 22964342 | XXXX | XXXX | Closed | 2026-02-03 06:15 | 2026-02-10 13:15 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Resolved-Lender provided anti-steering disclosure. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Please see attached. - XXXXXX-XX/XX/XXXX <br> Open-Broker fee is marked as paid by lender, this requires an Anti-Steering Disclosure, but indicator is not selected as Present. Review this requirement. Broker fee is marked as paid by lender, this requires an Anti-Steering disclosure which is missing in file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached. - XXXXXX-XX/XX/XXXX | Resolved-Lender provided anti-steering disclosure. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | XXXXXXXXXX XXXXXXXXXX XXXX-XXXXXXXX XXXXXX.XXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7413468 | N/A | N/A |
| XXXX | 22964342 | XXXX | XXXX | Closed | 2026-02-03 06:16 | 2026-02-10 13:18 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, Escrow Waiver disclosures and loan information is on Pg#'s XXX, and the Final Closing disclosure on Pg#'s XX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XX. The loan meets HPML guidelines, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, Escrow Waiver disclosures and loan information is on Pg#'s XXX, and the Final Closing disclosure on Pg#'s XX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XX. The loan meets HPML guidelines, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7413472 | N/A | N/A |
| XXXX | 22964342 | XXXX | XXXX | Closed | 2026-02-03 06:16 | 2026-02-10 13:18 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, Escrow Waiver disclosures and loan information is on Pg#'s XXX, and the Final Closing disclosure on Pg#'s XX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XX. The loan meets HPML guidelines, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, Escrow Waiver disclosures and loan information is on Pg#'s XXX, and the Final Closing disclosure on Pg#'s XX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XX. The loan meets HPML guidelines, resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7413473 | N/A | N/A |
| XXXX | 27558101 | XXXX | XXXX | Closed | 2026-02-05 08:49 | 2026-02-10 07:09 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Gap Credit Report is Expired (Greater than 10 Days from Closing/Settlement Date) | Resolved-Lender provided post close fraud report showing udm with no new tradelines or inquiries since last run. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. see attached. - XXXXXX-XX/XX/XXXX <br> Counter-The fraud lists a monitoring start date of XX/XX/XXXX and end date of XX/XX/XXXX. Under tradeline payment increase notifications, the most recent payment increase is dated X/XX/XXXX. XX/XX/XXXX is the date of the fraud which is the date the undisclosed debt monitoring was last pulled. The X/XX/XX is a future date since no inquiries or debts are reflected after X/XX/XX. Per guidelines, XXXXXX is to confirm there are no new or higher debt obligations for the borrower by using a gap credit report, soft-pull or undisclosed credit monitoring. The gap credit report, soft-pull or final report for the undisclosed debt monitoring is to be dated within XX days of the Note date. The note date is XX/XX/XXXX. Missing a gap credit report, soft-pull or final report for the undisclosed debt monitoring dated XX/XX/XX or after reflecting any new debts or inquiries. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. The final DV delivered with the loan file included a UDM start date of X/XX/XXXX, which is within XX days of the Note date. Please refer to page XX of the attached. - XXXXXX-XX/XX/XXXX <br> Open-Borrower X Gap Credit Report is Expired (Greater than XX days from Closing/Settlement Date). Per XXX guidelines dated X/X/XX, the gap credit report, soft-pull or final report for the undisclosed debt monitoring is to be dated within XX days of the Note date.<br> The most recent fraud report is dated X/XX/XX, but the loan closed XX/XX/XX which is not within XX days. <br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. see attached. - XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. The final DV delivered with the loan file included a UDM start date of X/XX/XXXX, which is within XX days of the Note date. Please refer to page XX of the attached. - XXXXXX-XX/XX/XXXX | Resolved-Lender provided post close fraud report showing udm with no new tradelines or inquiries since last run. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | XXXXXXXXXX XXXX XX.XXX<br> XXXXXXXXXX XXXX XX XXX.XXX |  |  | NV | Investment | Refinance | Cash Out - Other | 7465572 | N/A | N/A |
| XXXX | 26352043 | XXXX | XXXX | Closed | 2026-02-05 02:29 | 2026-02-12 06:34 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. trying again - Seller-XX/XX/XXXX <br> Counter-Unable to access document provided - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-Hazard Insurance Policy Partially Provided Loan type is Xnd lien the first lien unpaid principle balance is $XXX,XXX and current loan amount is $XXX,XXX, total amount is $X,XXX,XXX but under hazard policy the dwelling and increased dwelling option ID total amount is $XXX,XXX only, missing updated insurance policy to cover the total amount of $X,XXX,XXX per guidelines - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. trying again - Seller-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX | Insurance-XXXX.xlsx<br> XXXXXXXXX-XXXXXXXXXX XXX XXXXXXXX.XXX |  |  | AZ | Primary Residence | Refinance | Cash Out - Other | 7455259 | N/A | N/A |
| XXXX | 25482920 | XXXX | XXXX | Closed | 2026-02-12 04:19 | 2026-03-20 16:03 | Cured | 2 - Non-Material C B | Compliance | State Reg | MI Lender Retained Fees Test | Cured-Cure provided - Due Diligence Vendor-XX/XX/XXXX <br> Open-re-opening<br> - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Resolved- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-LOE, PCCD and check was provided to clear finding. - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-This loan failed the Lender Retained Fees Test. (Mich. Comp. Laws Ann. §XXX.XX(X)(b))The loan charged one or more fees prohibited under the Lender Retained Fees Test. These fees are prohibited in a secondary mortgage loan transaction. The Department of Insurance and Financial Services has taken the position that only reasonable and necessary charges that are the actual expenses incurred by the licensee, registrant, or exclusive broker in connection with making, closing, disbursing, extending, readjusting, or renewing of a secondary mortgage can be charged in a secondary mortgage loan transaction. The Tax Service Fee, Document Prep Fee and Admin Fee paid by Borrower are not permissible fees and fails the Lender Retained Fees Test: This may be cured if the client refunds the fee violation and provides Selene a copy of the check, PCCD, LOE, and proof of delivery. Lender Retained Fees Test: FAIL $X,XXX.XX.<br> - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Cured-Cure provided - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-LOE, PCCD and check was provided to clear finding. - Due Diligence Vendor-XX/XX/XXXX | XXXXXX XXXXXXX.XXX |  |  | MI | Primary Residence | Refinance | Cash Out - Other | 7577636 | N/A | N/A |
| XXXX | 25482920 | XXXX | XXXX | Closed | 2026-02-23 10:24 | 2026-02-23 12:48 | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br> Resolved- - Due Diligence Vendor-XX/XX/XXXX <br> Open-This loan failed the charges that cannot increase test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.XX.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 §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved- - Due Diligence Vendor-XX/XX/XXXX |  |  |  | MI | Primary Residence | Refinance | Cash Out - Other | 7758805 | N/A | N/A |
| XXXX | 25482920 | XXXX | XXXX | Closed | 2026-02-23 10:24 | 2026-02-23 12:48 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br> Resolved- - Due Diligence Vendor-XX/XX/XXXX <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-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved- - Due Diligence Vendor-XX/XX/XXXX |  |  |  | MI | Primary Residence | Refinance | Cash Out - Other | 7758806 | N/A | N/A |
| XXXX | 25482920 | XXXX | XXXX | Closed | 2026-02-23 10:24 | 2026-02-23 12:48 | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br> Resolved- - Due Diligence Vendor-XX/XX/XXXX <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-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved- - Due Diligence Vendor-XX/XX/XXXX |  |  |  | MI | Primary Residence | Refinance | Cash Out - Other | 7758807 | N/A | N/A |
| XXXX | 25482920 | XXXX | XXXX | Closed | 2026-02-12 04:19 | 2026-02-23 13:02 | Resolved | 1 - Information C A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Rescinded- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Final Closing disclosure on Pg#'s XXX, Finding reflects no escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#' XXX and confirmation the appraisal was delivered to the borrower – see Pg#'XXX in file. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. <br> TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow. Final Closing disclosure on Pg#'s XXX, Finding reflects no escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#' XXX and confirmation the appraisal was delivered to the borrower – see Pg#'XXX in file. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX |  |  |  | MI | Primary Residence | Refinance | Cash Out - Other | 7577641 | N/A | N/A |
| XXXX | 27498562 | XXXX | XXXX | Closed | 2026-02-10 00:57 | 2026-02-11 07:56 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Fees: Limited | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-The total amount of the XX% category fees on the last Closing Disclosure ($XXX.XX) has increased by more than XX% over the current baseline value of ($XXX.XX). The total amount of fees in the XX% category cannot exceed ($XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the XX% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (XX CFR XXXX.XX(e)(X)(ii); XX CFR XXXX.XX(e)(X)(iv)). recording fee increased from $XXX to $XXX without a valid COC or lender credit provided - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX | XXX X-XX.XXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7530130 | N/A | N/A |
| XXXX | 26083033 | XXXX | XXXX | Closed | 2026-02-09 02:36 | 2026-02-09 07:26 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrow waiver, escrow waiver disclosures and loan information is on Pg#'s XXX, XXX and the Final Closing disclosure on Pg#'s XX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg# XX, XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XX, XX. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrow waiver, escrow waiver disclosures and loan information is on Pg#'s XXX, XXX and the Final Closing disclosure on Pg#'s XX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg# XX, XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XX, XX. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-XX/XX/XXXX |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7510623 | N/A | N/A |
| XXXX | 26083033 | XXXX | XXXX | Closed | 2026-02-09 02:36 | 2026-02-09 07:26 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrow waiver, escrow waiver disclosures and loan information is on Pg#'s XXX, XXX and the Final Closing disclosure on Pg#'s XX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg# XX, XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XX, XX. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrow waiver, escrow waiver disclosures and loan information is on Pg#'s XXX, XXX and the Final Closing disclosure on Pg#'s XX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg# XX, XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XX, XX. The loan meets HPML guidelines, resolved.<br> - Due Diligence Vendor-XX/XX/XXXX |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7510624 | N/A | N/A |
| XXXX | 24401604 | XXXX | XXXX | Closed | 2026-02-12 23:24 | 2026-03-20 13:26 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI Requirements | Resolved-Audited DTI of XX.XX% is less than or equal to Guideline DTI of XX% - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-Audited DTI within variance tolerance Underwriter XXXX provided separate finding. - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-Pages XXX, XXX, XXX, XXX, XXX, XXX, XXX, XXX Business Bank statements show XXXX xxXXXX paid by business. Excluded monthly payment from DTI. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Per Business bank statements in file the business pays for XXXX account. updated ratios on XXXX - Seller-XX/XX/XXXX <br> Counter-Document prior to disbursement X/X/XXXX XXXX XXX XX Auto loan less than XX payments left to exclude from DTI or Exception Approval exceeding Max DTI XX%. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Audited DTI of XX.XX% exceeds Guideline DTI of XX% - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. account less than XX months - Seller-XX/XX/XXXX <br> Counter-Audited DTI of XX.XX% exceeds Guideline DTI of XX% . Considered deposits from recent bank statements XXXXXXXX XXXX and XXXXXXXX XXXX which were not included in Underwriters Qualifying income. Audited qualifying monthly income $XX,XXX.XX. Pending Exception Approval. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Counter-Audited documentation shows more recent bank statements XXXXXXXX XXXX and XXXXXXXX XXXX which were not included in Underwriters Qualifying income. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Here is UW income breakdown. Let us know where you are coming up with something different. - Seller-XX/XX/XXXX <br> Counter-Duplicate Page XXX XXXX uploaded. Pending Exception. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Final XXXX shows DTI at XX% - Seller-XX/XX/XXXX <br> Open-Audited DTI of XX.XX% exceeds Guideline DTI of XX% . Considered deposits from recent bank statements XXXXXXXX XXXX and XXXXXXXX XXXX which were not included in Underwriters Qualifying income. Audited qualifying monthly income $XX,XXX.XX. Whereas Income as per final XXXX and U/W calculation is $XX,XXX. Hence considered lowest of calculated income $XX,XXX.XX as qualifying income and with changes in monthly taxes the calculated DTI is XX.XX%, Guideline maximum of XX%. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Per Business bank statements in file the business pays for XXXX account. updated ratios on XXXX - Seller-XX/XX/XXXX <br> Ready for Review-Document Uploaded. account less than XX months - Seller-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Here is UW income breakdown. Let us know where you are coming up with something different. - Seller-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Final XXXX shows DTI at XX% - Seller-XX/XX/XXXX | Resolved-Audited DTI of XX.XX% is less than or equal to Guideline DTI of XX% - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-Audited DTI within variance tolerance Underwriter XXXX provided separate finding. - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-Pages XXX, XXX, XXX, XXX, XXX, XXX, XXX, XXX Business Bank statements show XXXX xxXXXX paid by business. Excluded monthly payment from DTI. - Due Diligence Vendor-XX/XX/XXXX | XXXX XXXXXXXXXXX XXXX.XXX<br> XX XXXXXX XXXXXXXXXXX XXXXXXXXX - XXXXX (X).XXX<br> XX XXXX XXXXXXX XXXXX XX XX XXX.XXX<br> XXXX XXXX XX XXXXXX.XXX<br> XX XXXX.XXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7600135 | N/A | N/A |
| XXXX | 24401604 | XXXX | XXXX | Closed | 2026-02-12 22:49 | 2026-03-20 13:02 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-XXXX amended qualifying monthly income as audited and excluded XXXX xxXXXX installment from DTI, documentation showing paid by Business provided separate Finding. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Updated XXXX to show DTI XX.XX% Business pays for XXXX account - Seller-XX/XX/XXXX <br> Counter-Document prior to disbursement X/X/XXXX XXXX XXX XX Auto loan less than XX payments left to exclude from DTI or Exception Approval exceeding Max DTI XX%. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX <br> Counter-Audited DTI of XX.XX% exceeds Guideline DTI of XX% . Considered deposits from recent bank statements XXXXXXXX XXXX and XXXXXXXX XXXX which were not included in Underwriters Qualifying income. Audited qualifying monthly income $XX,XXX.XX. Whereas Income as per final XXXX and U/W calculation is $XX,XXX. Hence considered lowest of calculated income $XX,XXX.XX as qualifying income and with changes in monthly taxes the calculated DTI is XX.XX%, Guideline maximum of XX%. Pending Exception. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-What do you mean pending exception? What exactly are you needing from me? - Seller-XX/XX/XXXX <br> Counter-Duplicate Page XXX XXXX uploaded. Pending Exception. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-The XXXX document is missing from the loan file. Audited DTI of XX.XX% exceeds Guideline DTI of XX% . Considered deposits from recent bank statements XXXXXXXX XXXX and XXXXXXXX XXXX which were not included in Underwriters Qualifying income. Audited qualifying monthly income $XX,XXX.XX. Whereas Income as per final XXXX and U/W calculation is $XX,XXX. Hence considered lowest of calculated income $XX,XXX.XX as qualifying income and with changes in monthly taxes the calculated DTI is XX.XX%, Guideline maximum of XX%. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Updated XXXX to show DTI XX.XX% Business pays for XXXX account - Seller-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Updated XXXX - Seller-XX/XX/XXXX <br> Ready for Review-What do you mean pending exception? What exactly are you needing from me? - Seller-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Resolved-XXXX amended qualifying monthly income as audited and excluded XXXX xxXXXX installment from DTI, documentation showing paid by Business provided separate Finding. - Due Diligence Vendor-XX/XX/XXXX | XXXX XXXXXXXXXXX XXXX.XXX<br> XXXXXXXXXXX_XX_XXX (XX).XXX<br> XXXXXXXXXXX_XX_XXX (XX).XXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7599807 | N/A | N/A |
| XXXX | 24401604 | XXXX | XXXX | Closed | 2026-02-13 12:03 | 2026-03-18 08:40 | Resolved | 1 - Information D A | Property | Missing Doc | Second Appraisal/ Valuation is Missing | Resolved-XXXX and XXXXXX XXX CU X, supports value. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Counter-Guidelines Page XX Secondary Valuation required. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Appr report attached - there is not a Xnd appraisal - Seller-XX/XX/XXXX <br> Open-Second Appraisal/ Valuation is Missing Secondary Valuation missing. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Appr report attached - there is not a Xnd appraisal - Seller-XX/XX/XXXX | Resolved-XXXX and XXXXXX XXX CU X, supports value. - Due Diligence Vendor-XX/XX/XXXX | XXXXXXXXX XXXXXX.XXX<br> XXX - XXX.XXX<br> XXX - XXX.XXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7615480 | N/A | N/A |
| XXXX | 24401604 | XXXX | XXXX | Closed | 2026-02-12 22:30 | 2026-03-20 13:14 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s XXX, Rate lock date was entered correctly – see Pg#'s XXX, An interior and exterior appraisal was completed for this property – see pg#XX, ECOA Appraisal Disclosure OR the LE's page as the page#XX XXX, XXX, XXX and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX, XXX. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s XXX, Rate lock date was entered correctly – see Pg#'s XXX, An interior and exterior appraisal was completed for this property – see pg#XX, ECOA Appraisal Disclosure OR the LE's page as the page#XX XXX, XXX, XXX and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX, XXX. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s XXX, Rate lock date was entered correctly – see Pg#'s XXX, An interior and exterior appraisal was completed for this property – see pg#XX, ECOA Appraisal Disclosure OR the LE's page as the page#XX XXX, XXX, XXX and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX, XXX. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s XXX, Rate lock date was entered correctly – see Pg#'s XXX, An interior and exterior appraisal was completed for this property – see pg#XX, ECOA Appraisal Disclosure OR the LE's page as the page#XX XXX, XXX, XXX and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX, XXX. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7599675 | N/A | N/A |
| XXXX | 24401604 | XXXX | XXXX | Closed | 2026-02-12 22:30 | 2026-03-20 13:14 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s XXX, Rate lock date was entered correctly – see Pg#'s XXX, An interior and exterior appraisal was completed for this property – see pg#XX, ECOA Appraisal Disclosure OR the LE's page as the page#XX XXX, XXX, XXX and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX, XXX. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s XXX, Rate lock date was entered correctly – see Pg#'s XXX, An interior and exterior appraisal was completed for this property – see pg#XX, ECOA Appraisal Disclosure OR the LE's page as the page#XX XXX, XXX, XXX and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX, XXX. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s XXX, Rate lock date was entered correctly – see Pg#'s XXX, An interior and exterior appraisal was completed for this property – see pg#XX, ECOA Appraisal Disclosure OR the LE's page as the page#XX XXX, XXX, XXX and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX, XXX. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s XXX, Rate lock date was entered correctly – see Pg#'s XXX, An interior and exterior appraisal was completed for this property – see pg#XX, ECOA Appraisal Disclosure OR the LE's page as the page#XX XXX, XXX, XXX and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX, XXX. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7599676 | N/A | N/A |
| XXXX | 21301124 | XXXX | XXXX | Closed | 2026-02-13 06:54 | 2026-02-19 06:46 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Fees: Limited | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Rescinded-duplicate - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Rescinded- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Rescinded-duplicate - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Rescinded-The total amount of the XX% category fees ($XXX.XX) has increased by more than XX% over the current baseline value of ($XXX.XX). The total amount of fees in the XX% category cannot exceed ($XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the XX% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (XX CFR XXXX.XX(e)(X)(ii); XX CFR XXXX.XX(e)(X)(iv)). Recording fee has been increased from $XXX to $XXX under final CD, it's comes under XX% category but we have no COC or lender credits remaining $XX amount, condition added for the same. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Rescinded-duplicate - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Rescinded-duplicate - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Rescinded-The total amount of the XX% category fees ($XXX.XX) has increased by more than XX% over the current baseline value of ($XXX.XX). The total amount of fees in the XX% category cannot exceed ($XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the XX% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (XX CFR XXXX.XX(e)(X)(ii); XX CFR XXXX.XX(e)(X)(iv)). Recording fee has been increased from $XXX to $XXX under final CD, it's comes under XX% category but we have no COC or lender credits remaining $XX amount, condition added for the same. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7606508 | N/A | N/A |
| XXXX | 21301124 | XXXX | XXXX | Closed | 2026-02-13 07:09 | 2026-02-19 06:45 | Resolved | 1 - Information D A | Compliance | Disclosure | Missing Intent to Proceed | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Intent to proceed document in file but borrower signature is missing , as loan transaction is primary refinance missing executed signed intent to proceed. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX |  | XXXXXX XX XXXXXXX.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7606824 | N/A | N/A |
| XXXX | 21301124 | XXXX | XXXX | Closed | 2026-02-13 06:54 | 2026-02-19 06:44 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Fees: Limited | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open-The total amount of the XX% category fees on the last Closing Disclosure ($XXX.XX) has increased by more than XX% over the current baseline value of ($XXX.XX). The total amount of fees in the XX% category cannot exceed ($XXX.XX). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the XX% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (XX CFR XXXX.XX(e)(X)(ii); XX CFR XXXX.XX(e)(X)(iv)). Recording fee has been increased from $XXX to $XXX under final CD, it's comes under XX% category missing a valid COC or lender credits - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | XXX XXX XXXXXXXXX XXX.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7606507 | N/A | N/A |
| XXXX | 21301124 | XXXX | XXXX | Closed | 2026-02-13 06:54 | 2026-02-18 09:36 | Resolved | 1 - Information C A | Compliance | Mavent | Late: Amount | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open-The ($XX.XX) late fee amount, the (X.X%) late fee percent, or the ($XX.XX) maximum late fee amount exceed the threshold. Under the California Real Estate Law, a late fee cannot exceed the greater of XX% of the installment due that is attributable to principal and interest or $X. (Cal. Bus. & Prof. Code XXXXX.X) The ($XX.XX) late fee amount, the (X.X%) late fee percent, or the ($XX.XX) maximum late fee amount exceed the threshold. Under the California Real Estate Law, a late fee cannot exceed the greater of XX% of the installment due that is attributable to principal and interest or $X - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7606510 | N/A | N/A |
| XXXX | 21301124 | XXXX | XXXX | Closed | 2026-02-13 06:54 | 2026-02-19 06:46 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-re ran mavent - resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Resolved-re ran mavent - resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Resolved-Re ran mavent- resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrow waiver , escrow waiver disclosures and loan information is on Pg#'s XXX, XXXand the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg# XX, XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines, resolved.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-re ran mavent - resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Resolved-re ran mavent - resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Resolved-Re ran mavent- resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrow waiver , escrow waiver disclosures and loan information is on Pg#'s XXX, XXXand the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg# XX, XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines, resolved.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7606511 | N/A | N/A |
| XXXX | 21301124 | XXXX | XXXX | Closed | 2026-02-13 06:54 | 2026-02-19 06:46 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-re ran mavent - resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Resolved-re ran mavent - resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Resolved-Re ran mavent- resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrow waiver , escrow waiver disclosures and loan information is on Pg#'s XXX, XXXand the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg# XX, XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines, resolved.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-re ran mavent - resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Resolved-re ran mavent - resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Resolved-Re ran mavent- resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrow waiver , escrow waiver disclosures and loan information is on Pg#'s XXX, XXXand the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg# XX, XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines, resolved.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7606512 | N/A | N/A |
| XXXX | 24648941 | XXXX | XXXX | Closed | 2026-02-23 07:03 | 2026-03-04 07:00 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Counter-In order to clear the condition an updated PCCD removing the error will be required - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-The PCCD lists the payoff in section B in error - Seller-XX/XX/XXXX <br> Open-A Lender Credit for Excess Charges of ($X.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($XX.XX) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Property taxes in section B of PCCD provided added for $XXX.XX without a valid COC or sufficient lender credit provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Ready for Review-The PCCD lists the payoff in section B in error - Seller-XX/XX/XXXX | Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | XXXXX XXXX.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7752637 | N/A | N/A |
| XXXX | 24648941 | XXXX | XXXX | Closed | 2026-02-13 09:04 | 2026-02-23 07:05 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-PCCD provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open-The loan disbursement date (XXXX-XX-XX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, XX XXX XXXX.XX(X) and Official Staff Commentary) Right to cancel date moved to XX/XX/XXXX however final CD disbursement date reflecting as XX/XX/XXXX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX | Resolved-PCCD provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | XXXXXXXX XXXXX XXXXXXXX (XX).XXX<br> XXXX.XXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7609491 | N/A | N/A |
| XXXX | 20919250 | XXXX | XXXX | Closed | 2026-02-11 23:14 | 2026-02-25 20:47 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Resolved-Anti-Steering Disclosure uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Please see attached - XXXXXX-XX/XX/XXXX <br> Open-Broker fee is marked as paid by lender, this requires an Anti-Steering Disclosure, but indicator is not selected as Present. Review this requirement. Broker fee is marked as paid by lender. File is missing the required Anti-Steering Disclosure. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - XXXXXX-XX/XX/XXXX | Resolved-Anti-Steering Disclosure uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | XXXXXXXXXX XXXXXX XXXX XXXXXXXX XXXXXX.XXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7575496 | N/A | N/A |
| XXXX | 25479769 | XXXX | XXXX | Closed | 2026-02-15 06:36 | 2026-02-19 06:15 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX XXX XXXX.XX(X)(XXX)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrow waiver , escrow waiver disclosures and loan information is on Pg#'s XXX, and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg# XX, XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXXThe loan meets HPML guidelines. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX XXX XXXX.XX(X)(XXX)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrow waiver , escrow waiver disclosures and loan information is on Pg#'s XXX, and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg# XX, XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXXThe loan meets HPML guidelines. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  |  |  | VA | Primary Residence | Refinance | Cash Out - Other | 7624573 | N/A | N/A |
| XXXX | 20557849 | XXXX | XXXX | Closed | 2026-02-17 04:06 | 2026-02-17 14:22 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX XXX XXXX.XX(a)(XXX)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, and loan information is on Pg#XXX and the Final Closing disclosure on Pg#XX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX , An interior and exterior appraisal was completed for this property – see pg#XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXX and confirmation the appraisal was delivered to the borrower – see Pg#'XX. The loan meets HPML guidelines. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX XXX XXXX.XX(a)(XXX)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, and loan information is on Pg#XXX and the Final Closing disclosure on Pg#XX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX , An interior and exterior appraisal was completed for this property – see pg#XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXX and confirmation the appraisal was delivered to the borrower – see Pg#'XX. The loan meets HPML guidelines. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7646899 | N/A | N/A |
| XXXX | 20557849 | XXXX | XXXX | Closed | 2026-02-17 04:06 | 2026-02-17 14:22 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX XXX XXXX.XX(a)(X)(XXX)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, and loan information is on Pg#XXX and the Final Closing disclosure on Pg#XX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX , An interior and exterior appraisal was completed for this property – see pg#XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXX and confirmation the appraisal was delivered to the borrower – see Pg#'XX. The loan meets HPML guidelines. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX XXX XXXX.XX(a)(X)(XXX)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, and loan information is on Pg#XXX and the Final Closing disclosure on Pg#XX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX , An interior and exterior appraisal was completed for this property – see pg#XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXX and confirmation the appraisal was delivered to the borrower – see Pg#'XX. The loan meets HPML guidelines. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7646900 | N/A | N/A |
| XXXX | 22881707 | XXXX | XXXX | Closed | 2026-02-13 00:51 | 2026-02-18 08:01 | Resolved | 1 - Information C A | Compliance | Mavent | Late: Amount | Resolved-Client clarification on late fee has been received. Finding has been resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. REBUTTAL UPLOADED - XXXXXX-XX/XX/XXXX <br> Open-The ($XX.XX) late fee amount, the (X.X%) late fee percent, or the ($XX.XX) maximum late fee amount exceed the threshold. Under the California Real Estate Law, a late fee cannot exceed the greater of XX% of the installment due that is attributable to principal and interest or X%. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open-The ($XX.XX) late fee amount, the (X.X%) late fee percent, or the ($XX.XX) maximum late fee amount exceed the threshold. Under the California Real Estate Law, a late fee cannot exceed the greater of XX% of the installment due that is attributable to principal and interest or $X. (Cal. Bus. & Prof. Code XXXXX.X) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. REBUTTAL UPLOADED - XXXXXX-XX/XX/XXXX | Resolved-Client clarification on late fee has been received. Finding has been resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | XXXXXXXXXX XXXXX.XXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7600892 | N/A | N/A |
| XXXX | 29334746 | XXXX | XXXX | Closed | 2026-02-17 01:02 | 2026-02-23 10:49 | Waived | 2 - Non-Material C B | Compliance | Fees:Prohibited | Washington - Fees Allowed (Lender)(01/10) | Waived-The state anti-predatory provisions in the Washington Consumer Loan Act (the "WA APL's") are originator level issues so there should not be any direct assignee liability/penalties associated with the WA APL's. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Please specify what fees you're seeing and on which document. thank you, - XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open-The Washington Consumer Loan Act prohibits any fee other than a Loan Origination Fee, Loan Discount, or Commitment (Rate Lock) Fee to be paid by the Borrower to the Lender. (RCW XX.XX.XXX(X); WAC XXX-XXX-XXX; WAC XXX-XXX-XXX(X)) This is state specific finding - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Please specify what fees you're seeing and on which document. thank you, - XXXXXX-XX/XX/XXXX | Waived-The state anti-predatory provisions in the Washington Consumer Loan Act (the "WA APL's") are originator level issues so there should not be any direct assignee liability/penalties associated with the WA APL's. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  |  |  | WA | Primary Residence | Refinance | Cash Out - Other | 7645502 | Investor Post-Close | No |
| XXXX | 29334746 | XXXX | XXXX | Closed | 2026-02-19 13:40 | 2026-02-23 07:27 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial XXXX is Present - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br> Open-The Initial XXXX is Missing with MLO signature/ date - XXX XXXXXXXXX XXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX | Resolved-The Initial XXXX is Present - XXX XXXXXXXXX XXXXX-XX/XX/XXXX | XXXXXXX XXXXXX XXXX.xxx |  |  | WA | Primary Residence | Refinance | Cash Out - Other | 7706801 | N/A | N/A |
| XXXX | 29334746 | XXXX | XXXX | Closed | 2026-02-17 01:02 | 2026-02-19 14:24 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(XXX)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s __XXX__ and the Final Closing disclosure on Pg#'s _XXX___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _XXX____ An interior and exterior appraisal was completed for this property – see pg __XX__ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s__XX_ , and copy of the appraisal was given to the borrower – see Pg#'s _XX____ for the copy of the disclosure. The loan meets HPML guidelines - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX |  | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(XXX)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s __XXX__ and the Final Closing disclosure on Pg#'s _XXX___ reflects escrows. Rate lock date was entered correctly – see Pg#'s _XXX____ An interior and exterior appraisal was completed for this property – see pg __XX__ , the appraisal disclosure was provided to the borrower(s)- see Pg#'s__XX_ , and copy of the appraisal was given to the borrower – see Pg#'s _XX____ for the copy of the disclosure. The loan meets HPML guidelines - XXX XXXXXXXXX XXXXX-XX/XX/XXXX |  |  |  | WA | Primary Residence | Refinance | Cash Out - Other | 7645506 | N/A | N/A |
| XXXX | 25478495 | XXXX | XXXX | Closed | 2026-02-17 23:22 | 2026-03-06 14:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Please see attached CPA Letter. - XXXXXX-XX/XX/XXXX <br> Open-Borrower X Xrd Party VOE Prior to Close Missing Borrower is qualifying with XX months bank statement income hence Xrd Party VOE is missing in file. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached CPA Letter. - XXXXXX-XX/XX/XXXX | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - XXX XXXXXXXXX XXXXX-XX/XX/XXXX | XXXXX XXXXX XXX XXXXXX.xxx |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7670828 | N/A | N/A |
| XXXX | 27276992 | XXXX | XXXX | Closed | 2026-03-03 11:43 | 2026-03-03 11:47 | Resolved | 1 - Information A | Compliance | Rescission:Variance | Federal - Right of Rescission Variance Failure (TILA) | Resolved-The client has provided confirmation of the RTC discrepancy and LOX provided to the borrower. Finding has been cleared. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX |  | Resolved-The client has provided confirmation of the RTC discrepancy and LOX provided to the borrower. Finding has been cleared. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7901608 | N/A | N/A |
| XXXX | 27276992 | XXXX | XXXX | Closed | 2026-02-18 03:06 | 2026-03-03 11:47 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-The client has provided confirmation of the RTC discrepancy and LOX provided to the borrower. Finding has been cleared. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br> Resolved-The client has provided confirmation of the RTC discrepancy and LOX provided to the borrower. Finding has been cleared. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. RTC REOPENED - XXXXXX-XX/XX/XXXX <br> Counter-Executed documentation indicating an updated RTC cancellation date or an updated disbursement date would suffice to clear. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br> Ready for Review-Please advise what is needed to clear this? - XXXXXX-XX/XX/XXXX <br> Counter-The provided NRTC is unexecuted. The NRTCs in file beginning on page XXX is corrected and initialed to indicate the XXth as the cancellation date. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br> Ready for Review-Please provide a copy of the document in question so I can review. The NRTC has X/X - XXXXXX-XX/XX/XXXX <br> Counter-The executed Right of Recission on page XXX indicates a Feb XX disbursement. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. THIS LOAN CLOAED X/X, RESCISSION WAS UP X/X AND THE LOAN DISBURSED X/XX<br>NRTC ATTACHED THAT WENT OUT IN THE CLOSING PACKAGE SHWOING RESCISSION IS UP X/X - XXXXXX-XX/XX/XXXX <br> Open-The loan disbursement date (XXXX-XX-XX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, XX CFR XXXX.XX(c) and Official Staff Commentary) "Right to Cancel Expire Date" is listed as XX/XX/XXXX which conforms to the Final CD disbursement date of XX/XX/XXXX. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. RTC REOPENED - XXXXXX-XX/XX/XXXX <br> Ready for Review-Please advise what is needed to clear this? - XXXXXX-XX/XX/XXXX <br> Ready for Review-Please provide a copy of the document in question so I can review. The NRTC has X/X - XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. THIS LOAN CLOAED X/X, RESCISSION WAS UP X/X AND THE LOAN DISBURSED X/XX<br>NRTC ATTACHED THAT WENT OUT IN THE CLOSING PACKAGE SHWOING RESCISSION IS UP X/X - XXXXXX-XX/XX/XXXX | Resolved-The client has provided confirmation of the RTC discrepancy and LOX provided to the borrower. Finding has been cleared. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br> Resolved-The client has provided confirmation of the RTC discrepancy and LOX provided to the borrower. Finding has been cleared. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX | XXXX XXX.xxx<br> XXXX.xxx<br> XXXXX XXXXX.xxx |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7672047 | N/A | N/A |
| XXXX | 27276992 | XXXX | XXXX | Closed | 2026-02-18 10:07 | 2026-02-20 07:05 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is fully Present - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Please see attached Title Report. - XXXXXX-XX/XX/XXXX <br> Open-Title Document is missing A copy of the commitment or policy is missing from file. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached Title Report. - XXXXXX-XX/XX/XXXX | Resolved-Title Document is fully Present - XXX XXXXXXXXX XXXXX-XX/XX/XXXX | XXXXX XXXXXXXXX XXXXX XXXXXX.xxx |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7680398 | N/A | N/A |
| XXXX | 27276992 | XXXX | XXXX | Closed | 2026-02-18 03:09 | 2026-02-19 01:23 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-first P&I is Missing in XXXX, provided Updated XXXX, changes made in system, Finding Resolved - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br> Resolved-The XXXX document is present in the loan file. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Please see attached PC XXXX. - XXXXXX-XX/XX/XXXX <br> Open-The XXXX document is missing from the loan file. The XXXX does not list the Xst lien P&I information. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached PC XXXX. - XXXXXX-XX/XX/XXXX | Resolved-first P&I is Missing in XXXX, provided Updated XXXX, changes made in system, Finding Resolved - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br> Resolved-The XXXX document is present in the loan file. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX | XXXXX XXXXXXXXXX XX XXXX.xxx<br> XXXXX XXXXXXXXXX XX XXXX.xxx |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7672074 | N/A | N/A |
| XXXX | 22932431 | XXXX | XXXX | Closed | 2026-02-17 09:36 | 2026-02-18 05:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Lender provided proof of HOA dues/ no HOA for the other properties owned. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. INV NOO REO XXXXX XXXXXXX XXX., XXXXXXXXX XXXXX XXXXX, XX XXXXX \*\*\* HOA <br> INV NOO REO XXX XXXXXXX XX., XXXXXXXXX XXXXX XXXXX, XX XXXXX \*\*\* No HOA for SFR property type, see Property profile reflecting Not in an Association Community <br> INV NOO REO XXXX X XXXXX XX., XXXXXXXXX, XX XXXXX \*\*\* No HOA - see attached supporting docs. <br> - Seller-XX/XX/XXXX <br> Open-Per XXX guidelines dated X/X/XX section X.XX.X, all properties owned by the borrower must be fully documented. These obligations must be verified using reasonably reliable records such as taxing authority or local government records, homeowner's association billing statements, information obtained from a valid and legally executed contract.<br> There is no attestation for the other properties owned if there is any HOA (only on the primary). Per XXXXXX, XXXXX XXXXXXX XXX has an hoa fee on it. Missing proof of hoa fees or attestation from borrower for the other properties owned: XXXXX XXXXXXX XXX, XXX XXXXXXX XX and XXXX X XXXXX XX . - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. INV NOO REO XXXXX XXXXXXX XXX., XXXXXXXXX XXXXX XXXXX, XX XXXXX \*\*\* HOA <br> INV NOO REO XXX XXXXXXX XX., XXXXXXXXX XXXXX XXXXX, XX XXXXX \*\*\* No HOA for SFR property type, see Property profile reflecting Not in an Association Community <br> INV NOO REO XXXX X XXXXX XX., XXXXXXXXX, XX XXXXX \*\*\* No HOA - see attached supporting docs. <br> - Seller-XX/XX/XXXX | Resolved-Lender provided proof of HOA dues/ no HOA for the other properties owned. - Due Diligence Vendor-XX/XX/XXXX | XXXXXXXXXX XXXXXXX No HOA for REO XXXX X XXXXX XX, XXXXXXXXX, XX XXXXX.XXX<br> XXXXXXXXXX XXXXXXX REO Property Profile XXX XXXXXXX XX.XXX<br> XXXXXXXXXX XXXXXXX $XXX HOA XXXXX XXXXXXX XXX, XXXXX XXXXX XXXXX, XX XXXXX _ XXXXXX.XXX |  |  | FL | Investment | Refinance | Cash Out - Other | 7656946 | N/A | N/A |
| XXXX | 22932431 | XXXX | XXXX | Closed | 2026-02-17 04:50 | 2026-02-17 10:43 | Waived | 2 - Non-Material B | Property | Property | Property has been listed for sale in the past 6 months | Waived-Property was listed within the past X months. Exception pg XXX. - Due Diligence Vendor-XX/XX/XXXX |  | Waived-Property was listed within the past X months. Exception pg XXX. - Due Diligence Vendor-XX/XX/XXXX |  |  | XX.XX% LTV is below the maximum XX% LTV by XX.XX%.<br> X.XX% DTI is below the maximum XX% DTI by XX.XX%.<br> XXX Representative credit score exceeds the minimum required of XXX by XX points | FL | Investment | Refinance | Cash Out - Other | 7648016 | Originator Pre-Close | Yes |
| XXXX | 29500616 | XXXX | XXXX | Closed | 2026-02-17 22:00 | 2026-02-22 23:06 | Resolved | 1 - Information D A | Compliance | Missing Doc | Texas Home Equity Discount Point Acknowledgment is Missing | Resolved-Client clarification and confirmation of the TX Home Equity points has been provided. Finding has been cleared. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Please see attached Texas Home Equity Discount Point Acknowledgment - Seller-XX/XX/XXXX <br> Open-Texas Home Equity Discount Point Acknowledgment is Missing The TX Home Equity Discount Point Acknowledgement is missing from file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached Texas Home Equity Discount Point Acknowledgment - Seller-XX/XX/XXXX | Resolved-Client clarification and confirmation of the TX Home Equity points has been provided. Finding has been cleared. - Due Diligence Vendor-XX/XX/XXXX | XXXXXXXXXX XXXXXX TX Home Equity.XXX |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 7670389 | N/A | N/A |
| XXXX | 29500616 | XXXX | XXXX | Closed | 2026-02-17 22:00 | 2026-02-22 23:06 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Resolved-Anti-Steering disclosure provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX <br> Open-Broker fee is marked as paid by lender, this requires an Anti-Steering Disclosure, but indicator is not selected as Present. Review this requirement. Required Anti Steering Disclosure. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX | Resolved-Anti-Steering disclosure provided. Resolved - Due Diligence Vendor-XX/XX/XXXX | XXXXXXXXXX XXXXXX - anti steering signed.XXX<br> XXXXXXXXXX XXXXXX - anti steering signed.XXX |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 7670388 | N/A | N/A |
| XXXX | 29500616 | XXXX | XXXX | Closed | 2026-02-17 06:49 | 2026-02-20 07:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Borrower is Self employed, Verify the current existence of the business within XX days of the Note. Business verified XX.XX.XXXX and the Note executed X.X.XXXX meets NON QM guidelines - Seller-XX/XX/XXXX <br> Open-Borrower X Xrd Party VOE Prior to Close Missing Required Xrd party VOE document. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Borrower is Self employed, Verify the current existence of the business within XX days of the Note. Business verified XX.XX.XXXX and the Note executed X.X.XXXX meets NON QM guidelines - Seller-XX/XX/XXXX | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - Due Diligence Vendor-XX/XX/XXXX | XXXXXXXXXX XXXXXX verified Self employed XXXXX XXX XXXXXXX.XXX |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 7650915 | N/A | N/A |
| XXXX | 29500616 | XXXX | XXXX | Closed | 2026-02-17 22:01 | 2026-02-18 07:02 | Resolved | 1 - Information A | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (Junior Lien) | Resolved-The loan's (X.XXX%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (X.XX%), which is the comparable average prime offer rate of (X.XX%) plus X.X. The System used the following date to perform the APOR index lookup (XXXX-XX-XX). The system added X.X to the comparable APOR because the ($XXX,XXX.XX) note amount equals or exceeds ($XX,XXX.XX). The system used an interest rate of (X.X%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (XX XXX XXXX.XX(e)(X)(vi)(E)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, and loan information is on Pg#XXX and the Final Closing disclosure on Pg#XXX s, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX , An interior and exterior appraisal was completed for this property – see pg#XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXXand confirmation the appraisal was delivered to the borrower – see Pg#'XXXs The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (X.XX%), which is the comparable average prime offer rate of (X.XX%) plus X.X. The System used the following date to perform the APOR index lookup (XXXX-XX-XX). The system added X.X to the comparable APOR because the ($XXX,XXX.XX) note amount equals or exceeds ($XX,XXX.XX). The system used an interest rate of (X.X%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (XX XXX XXXX.XX(e)(X)(vi)(E)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, and loan information is on Pg#XXX and the Final Closing disclosure on Pg#XXX s, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX , An interior and exterior appraisal was completed for this property – see pg#XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXXand confirmation the appraisal was delivered to the borrower – see Pg#'XXXs The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX |  |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 7670394 | N/A | N/A |
| XXXX | 29500616 | XXXX | XXXX | Closed | 2026-02-17 22:01 | 2026-02-18 07:02 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX XXX XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, and loan information is on Pg#XXX and the Final Closing disclosure on Pg#XXX s, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX , An interior and exterior appraisal was completed for this property – see pg#XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXXand confirmation the appraisal was delivered to the borrower – see Pg#'XXXs The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX XXX XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, and loan information is on Pg#XXX and the Final Closing disclosure on Pg#XXX s, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX , An interior and exterior appraisal was completed for this property – see pg#XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXXand confirmation the appraisal was delivered to the borrower – see Pg#'XXXs The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX |  |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 7670397 | N/A | N/A |
| XXXX | 25001350 | XXXX | XXXX | Closed | 2026-02-17 04:24 | 2026-02-20 08:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Business Purpose Affidavit is Missing | Resolved-Executed Business Purpose Affidavit has been received and reviewed. Finding has been cleared. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Lender notes the XXXX is not a required document and is only used for referenced information purposes. Please see attached the Business purpose. - Seller-XX/XX/XXXX <br> Open-The XXXX Page Loan Type is 'DSCR' but the Business Purpose Affidavit Disclosure Indicator on the XXXX is 'Missing', and on the Business Purpose VX Page is 'Missing'. Business Purpose Affidavit is required for a DSCR loan. Final Business purpose affidavit is missing - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Lender notes the XXXX is not a required document and is only used for referenced information purposes. Please see attached the Business purpose. - Seller-XX/XX/XXXX | Resolved-Executed Business Purpose Affidavit has been received and reviewed. Finding has been cleared. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | XXXXXXXXXX XXXXXXX DSCR - XXXX XX XXXXXXXX XXXXXXX.XXX |  |  | NJ | Investment | Refinance | Cash Out - Other | 7647149 | N/A | N/A |
| XXXX | 23238787 | XXXX | XXXX | Closed | 2026-02-18 20:43 | 2026-02-26 08:34 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open-This loan failed the lender credits that cannot decrease test. (XX CFR §XXXX.XX(e)(X)(i))The loan contains charges that exceed the good faith determination according to §XXXX.XX(e)(X)(i). The final sum of specific and non-specific lender credits ($X.XX) does not exceed or equal the comparable sum of specific and non-specific lender credits ($XXX.XX). 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 §XXXX.XX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXXX.XX(e)(X)(i). Lender credits $XXX.XX in initial cd XX/XX/XX decreased to zero in final CD XX/XX/XX. Provide COC - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | XXXXXXXXXXXXXXXXXXXXXXX.XXX |  |  | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 7689946 | N/A | N/A |
| XXXX | 23238787 | XXXX | XXXX | Closed | 2026-02-18 20:53 | 2026-02-25 03:13 | Resolved | 1 - Information C A | Credit | Credit | Missing AUS/Loan Approval | Resolved-Loan Approval uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-Provide loan approval missing in loan file - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Resolved-Loan Approval uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | XXXXXXXX XXXXXXXX.XXX |  |  | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 7689990 | N/A | N/A |
| XXXX | 23238787 | XXXX | XXXX | Closed | 2026-02-18 20:41 | 2026-02-23 00:27 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of rate lock uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Resolved-Evidence of Rate Lock Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-Evidence of Rate Lock Missing Provide evidence of lock missing in file - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Resolved-Evidence of rate lock uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Resolved-Evidence of Rate Lock Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | XXXX XXXXXXXXXXXX.XXX |  |  | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 7689936 | N/A | N/A |
| XXXX | 21592461 | XXXX | XXXX | Closed | 2026-02-18 22:43 | 2026-02-25 14:40 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-The documentation received was sufficient to resolve the finding. Updated Settlement Statement. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Title Final SS - settlement date X/XX and disb X/XX - Seller-XX/XX/XXXX <br> Open-The settlement statement provided shows a settlement date of X/XX. Settlement took place on X/XX per all closing docs. Please provide the settlement statement reflecting a closing date of X/XX and a disbursement date after X/XX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Title final SS showing disb on X/XX/XXXX - Seller-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open-The loan disbursement date (XXXX-XX-XX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, XX CFR XXXX.XX(c) and Official Staff Commentary) The Disbursement date of XX/XX/XXXX is same right to cancel date of XX/XX/XXXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Title Final SS - settlement date X/XX and disb X/XX - Seller-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Title final SS showing disb on X/XX/XXXX - Seller-XX/XX/XXXX | Resolved-The documentation received was sufficient to resolve the finding. Updated Settlement Statement. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | XXXXX XXXXXXXXXX XXXXXXXXX - XXXX X-XX-XXXX.XXX<br> XXXXX XXXXXXX XXXXXXXXX_X.XXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7690519 | N/A | N/A |
| XXXX | 21592461 | XXXX | XXXX | Closed | 2026-02-18 21:45 | 2026-02-23 04:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals X) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-Borrower X Xrd Party VOE Prior to Close Missing The third party verbal verification of employment for borrower X for IHSS is missing from the loan file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Resolved-Borrower X Xrd Party VOE uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals X) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | XXXXXXX XXX XXX-XXX.XXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7690215 | N/A | N/A |
| XXXX | 21592461 | XXXX | XXXX | Closed | 2026-02-19 05:23 | 2026-02-23 04:15 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower X Credit Report uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Resolved-Borrower X Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-Borrower X Credit Report is Missing. Initial credit report is missing for Borrower X - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Resolved-Borrower X Credit Report uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Resolved-Borrower X Credit Report is not missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | XXXXXX XXXXXX XXX XXXX X.XXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7692806 | N/A | N/A |
| XXXX | 21592461 | XXXX | XXXX | Closed | 2026-02-23 12:56 | 2026-02-23 12:59 | Resolved | 1 - Information A | Compliance | Interest:Accrual | California - Interest Rate Accrual Warning (Civ. Code) | Resolved-Resolved - XXXXXXXXX XXXXXXX-XX/XX/XXXX <br> Open- - XXXXXXXXX XXXXXXX-XX/XX/XXXX |  | Resolved-Resolved - XXXXXXXXX XXXXXXX-XX/XX/XXXX |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7762713 | N/A | N/A |
| XXXX | 23544890 | XXXX | XXXX | Closed | 2026-02-18 01:30 | 2026-02-23 12:09 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Updated XXXX Document uploaded, Verified & entered in system - Resolved<br> - XXXXXXXXX XXXXXXX-XX/XX/XXXX <br> Resolved-The XXXX document is present in the loan file. - XXXXXXXXX XXXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Please see attached PC XXXX. Added primary Xst lien mortgage of $X,XXX which resulted to a new DTI of XX.XX%. No issues found. - XXXXXX-XX/XX/XXXX <br> Open-The XXXX document is missing from the loan file. The provided XXXX does not account for the XXXXX Acct XXXX for the subject property causing a discrepancy in the originator's DTI calculations. - XXXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached PC XXXX. Added primary Xst lien mortgage of $X,XXX which resulted to a new DTI of XX.XX%. No issues found. - XXXXXX-XX/XX/XXXX | Resolved-Updated XXXX Document uploaded, Verified & entered in system - Resolved<br> - XXXXXXXXX XXXXXXX-XX/XX/XXXX <br> Resolved-The XXXX document is present in the loan file. - XXXXXXXXX XXXXXXX-XX/XX/XXXX | XXXXXXXXXXXXXXXXXXXXXXXX.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7671505 | N/A | N/A |
| XXXX | 23544890 | XXXX | XXXX | Closed | 2026-02-18 03:53 | 2026-02-23 12:14 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-Reopened Mavent run. HPML checks have been completed. - XXXXXXXXX XXXXXXX-XX/XX/XXXX <br> Open- - XXXXXXXXX XXXXXXX-XX/XX/XXXX <br> Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, and loan information is on Pg#XXX and the Final Closing disclosure on Pg#XXX s, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXXX , An interior and exterior appraisal was completed for this property – see pg#XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXXXand confirmation the appraisal was delivered to the borrower – see Pg#'XXXs The loan meets HPML guidelines. - XXXXXXXXX XXXXXXX-XX/XX/XXXX <br> Open- - XXXXXXXXX XXXXXXX-XX/XX/XXXX <br> Open- - XXXXXXXXX XXXXXXX-XX/XX/XXXX <br> Open- - XXXXXXXXX XXXXXXX-XX/XX/XXXX |  | Resolved-Reopened Mavent run. HPML checks have been completed. - XXXXXXXXX XXXXXXX-XX/XX/XXXX <br> Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, and loan information is on Pg#XXX and the Final Closing disclosure on Pg#XXX s, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXXX , An interior and exterior appraisal was completed for this property – see pg#XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXXXand confirmation the appraisal was delivered to the borrower – see Pg#'XXXs The loan meets HPML guidelines. - XXXXXXXXX XXXXXXX-XX/XX/XXXX |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7672356 | N/A | N/A |
| XXXX | 23544890 | XXXX | XXXX | Closed | 2026-02-18 03:53 | 2026-02-23 12:13 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-Reopened Mavent run. HPML checks have been completed. - XXXXXXXXX XXXXXXX-XX/XX/XXXX <br> Open- - XXXXXXXXX XXXXXXX-XX/XX/XXXX <br> Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, and loan information is on Pg#XXX and the Final Closing disclosure on Pg#XXX s, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXXX , An interior and exterior appraisal was completed for this property – see pg#XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXXXand confirmation the appraisal was delivered to the borrower – see Pg#'XXXs The loan meets HPML guidelines. - XXXXXXXXX XXXXXXX-XX/XX/XXXX <br> Open- - XXXXXXXXX XXXXXXX-XX/XX/XXXX <br> Open- - XXXXXXXXX XXXXXXX-XX/XX/XXXX <br> Open- - XXXXXXXXX XXXXXXX-XX/XX/XXXX |  | Resolved-Reopened Mavent run. HPML checks have been completed. - XXXXXXXXX XXXXXXX-XX/XX/XXXX <br> Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, and loan information is on Pg#XXX and the Final Closing disclosure on Pg#XXX s, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXXX , An interior and exterior appraisal was completed for this property – see pg#XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXXXand confirmation the appraisal was delivered to the borrower – see Pg#'XXXs The loan meets HPML guidelines. - XXXXXXXXX XXXXXXX-XX/XX/XXXX |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7672355 | N/A | N/A |
| XXXX | 23544890 | XXXX | XXXX | Closed | 2026-02-18 03:53 | 2026-02-23 12:13 | Resolved | 1 - Information A | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (Junior Lien) | Resolved-Reopened Mavent run. HPML checks have been completed. - XXXXXXXXX XXXXXXX-XX/XX/XXXX <br> Open- - XXXXXXXXX XXXXXXX-XX/XX/XXXX <br> Resolved-The loan's (XX.XXX%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (X.XX%), which is the comparable average prime offer rate of (X.XX%) plus X.X. The System used the following date to perform the APOR index lookup (XXXX-XX-XX). The system added X.X to the comparable APOR because the ($XXX,XXX.XX) note amount equals or exceeds ($XX,XXX.XX). The system used an interest rate of (XX.X%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (XX CFR XXXX.XX(e)(X)(vi)(E)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, and loan information is on Pg#XXX and the Final Closing disclosure on Pg#XXX s, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXXX , An interior and exterior appraisal was completed for this property – see pg#XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXXXand confirmation the appraisal was delivered to the borrower – see Pg#'XXXs The loan meets HPML guidelines. - XXXXXXXXX XXXXXXX-XX/XX/XXXX <br> Open- - XXXXXXXXX XXXXXXX-XX/XX/XXXX <br> Open- - XXXXXXXXX XXXXXXX-XX/XX/XXXX <br> Open- - XXXXXXXXX XXXXXXX-XX/XX/XXXX |  | Resolved-Reopened Mavent run. HPML checks have been completed. - XXXXXXXXX XXXXXXX-XX/XX/XXXX <br> Resolved-The loan's (XX.XXX%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (X.XX%), which is the comparable average prime offer rate of (X.XX%) plus X.X. The System used the following date to perform the APOR index lookup (XXXX-XX-XX). The system added X.X to the comparable APOR because the ($XXX,XXX.XX) note amount equals or exceeds ($XX,XXX.XX). The system used an interest rate of (XX.X%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (XX CFR XXXX.XX(e)(X)(vi)(E)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, and loan information is on Pg#XXX and the Final Closing disclosure on Pg#XXX s, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXXX , An interior and exterior appraisal was completed for this property – see pg#XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXXXand confirmation the appraisal was delivered to the borrower – see Pg#'XXXs The loan meets HPML guidelines. - XXXXXXXXX XXXXXXX-XX/XX/XXXX |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7672353 | N/A | N/A |
| XXXX | 20594378 | XXXX | XXXX | Closed | 2026-02-19 02:15 | 2026-02-27 07:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Homeowners Association Questionnaire | Resolved-Property is site condo/Detached, NO HOA Questionnaire is required, hence Finding Resolved<br> - XXXXXXXXX XXXXXXX-XX/XX/XXXX <br> Open-HOA Questionnaire is Missing or Partial. - XXXXXXXXX XXXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br> Open-HOA Questionnaire is Missing or Partial. Condo Questionnaire not Required. - XXXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX | Resolved-Property is site condo/Detached, NO HOA Questionnaire is required, hence Finding Resolved<br> - XXXXXXXXX XXXXXXX-XX/XX/XXXX | XXXXXXXXXXXXXXXXX.pdf |  |  | VA | Investment | Refinance | Cash Out - Other | 7691444 | N/A | N/A |
| XXXX | 20594378 | XXXX | XXXX | Closed | 2026-02-19 02:25 | 2026-02-27 02:52 | Resolved | 1 - Information D A | Credit | Missing Doc | HO6 Master Insurance Policy is Missing | Resolved-Property is site condo/Detached, no Master Policy is required, hence Finding Resolved - XXXXXXXXX XXXXXXX-XX/XX/XXXX <br> Resolved-HO-X Master Insurance Policy is fully present - XXXXXXXXX XXXXXXX-XX/XX/XXXX <br> Ready for Review-Since it's a detached condo the HOX policy is enough - XXXXXX-XX/XX/XXXX <br> Open-Missing HO-X Master Insurance Policy Condo Detached property Master Insurance not required. - XXXXXXXXX XXXXXXX-XX/XX/XXXX | Ready for Review-Since it's a detached condo the HOX policy is enough - XXXXXX-XX/XX/XXXX | Resolved-Property is site condo/Detached, no Master Policy is required, hence Finding Resolved - XXXXXXXXX XXXXXXX-XX/XX/XXXX <br> Resolved-HO-X Master Insurance Policy is fully present - XXXXXXXXX XXXXXXX-XX/XX/XXXX |  |  |  | VA | Investment | Refinance | Cash Out - Other | 7691516 | N/A | N/A |
| XXXX | 22347749 | XXXX | XXXX | Closed | 2026-02-18 23:36 | 2026-02-20 11:08 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, Escrow Waiver disclosures and loan information is on Pg#'s XXX, and the Final Closing disclosure on Pg#'s XX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, Escrow Waiver disclosures and loan information is on Pg#'s XXX, and the Final Closing disclosure on Pg#'s XX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX |  |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 7690789 | N/A | N/A |
| XXXX | 22288612 | XXXX | XXXX | Closed | 2026-02-19 03:42 | 2026-02-23 04:58 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Pay off proof is not required as this is second lien loan, Xst lien is not being paid off hence condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-Property Title Issue Resolved - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-This is Xnd lien, cash out - Seller-XX/XX/XXXX <br> Open-Property Title Issue Notice of pending lien on title pg#XXX is till due, which is verified from pg#XXX, XXX, The estimated settlement on pg#XXX is showing the pending lien is paid off from the current loan but not showing on final HUD - X . - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-This is Xnd lien, cash out - Seller-XX/XX/XXXX | Resolved-Pay off proof is not required as this is second lien loan, Xst lien is not being paid off hence condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-Property Title Issue Resolved - Due Diligence Vendor-XX/XX/XXXX |  |  |  | CA | Investment | Refinance | Cash Out - Other | 7691981 | N/A | N/A |
| XXXX | 22288612 | XXXX | XXXX | Closed | 2026-02-19 03:56 | 2026-02-23 04:51 | Resolved | 1 - Information C A | Credit | Eligibility | Ineligible Housing History per program guidelines | Resolved-Requested Rent free LOX provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-Rent Free LOX provided in findings. - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-Housing History Does Not Meet Guideline Requirements Proof of rent free or no primary housing expenses is missing to verify borrower current residential status. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Resolved-Requested Rent free LOX provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-Rent Free LOX provided in findings. - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-XX/XX/XXXX | XXX XXXXXX XXXX XXXX.XXX |  |  | CA | Investment | Refinance | Cash Out - Other | 7692069 | N/A | N/A |
| XXXX | 27362280 | XXXX | XXXX | Closed | 2026-02-18 23:45 | 2026-02-24 09:02 | Resolved | 1 - Information C A | Compliance | Fees:Limited | Texas - Maximum Fees Allowed | Resolved-Resolved with Mavent run. - Due Diligence Vendor-XX/XX/XXXX <br> Resolved- - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. See rebuttal and MAVENT - Seller-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open-The Texas Constitution prohibits fees from exceeding X% of the principal balance on a non-purchase money loan. (Tex. Const. Art. XX Sec. XX(a)(X)(E); X TX ADC Sec. XXX.X) State specific condition states the Texas Constitution prohibits fees from exceeding X% of the principal balance on a non-purchase money loan. (Tex. Const. Art. XX Sec. XX(a)(X)(E); X TX ADC - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. See rebuttal and MAVENT - Seller-XX/XX/XXXX | Resolved-Resolved with Mavent run. - Due Diligence Vendor-XX/XX/XXXX | XXXXXXXXXX XXXXX.XXX<br> XXXXX XXXXXX.XXX |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 7690828 | N/A | N/A |
| XXXX | 27362280 | XXXX | XXXX | Closed | 2026-02-18 23:45 | 2026-02-24 09:02 | Resolved | 1 - Information C A | Compliance | Enterprise:FeeLimits | ER - Texas Constitution 2% Fee Limit | Resolved-Resolved with Mavent run. - Due Diligence Vendor-XX/XX/XXXX <br> Resolved- - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. See rebuttal and MAVENT - Seller-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Rescinded-The Texas Constitution prohibits fees from exceeding X% of the principal balance on a non-purchase money loan. (Tex. Const. Art. XX Sec. XX(a)(X)(E); X TX ADC Sec. XXX.X) Condition added for the same. - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. See rebuttal and MAVENT - Seller-XX/XX/XXXX | Resolved-Resolved with Mavent run. - Due Diligence Vendor-XX/XX/XXXX <br> Rescinded-The Texas Constitution prohibits fees from exceeding X% of the principal balance on a non-purchase money loan. (Tex. Const. Art. XX Sec. XX(a)(X)(E); X TX ADC Sec. XXX.X) Condition added for the same. - Due Diligence Vendor-XX/XX/XXXX | XXXXXXXXXX XXXXX.XXX<br> XXXXX XXXXXX.XXX |  |  | TX | Primary Residence | Refinance | Cash Out - Other | 7690829 | N/A | N/A |
| XXXX | 27995440 | XXXX | XXXX | Closed | 2026-02-18 22:39 | 2026-02-24 14:13 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Gap Credit Report is Missing | Resolved-Borrower X Gap Credit Report is Missing Lender provided credit update with all creditors reporting on or before the fund date. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Please see attached. - Seller-XX/XX/XXXX <br> Open-Borrower X Gap Credit Report is Missing Per CES guidelines dated X/X/XXXX section X.X, Seller is to confirm there are no new or higher debt obligations for the borrower by using a gap credit report, soft-pull or undisclosed credit monitoring. This type of report is required if Note date is greater than XX days after the date of the credit report relied upon for underwriting. The gap credit report, soft-pull or final report for the undisclosed debt monitoring is to be dated within XX days of the Note date.<br> The credit report date is XX/XX/XXXX and the note date is XX/XX/XXXX which is over XX days. Missing gap credit report, soft-pull or undisclosed credit monitoring within XX days of the note date. <br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached. - Seller-XX/XX/XXXX | Resolved-Borrower X Gap Credit Report is Missing Lender provided credit update with all creditors reporting on or before the fund date. - Due Diligence Vendor-XX/XX/XXXX | XXXXXXXXXX XXXXXXXXXX XXXXXX.XXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7690495 | N/A | N/A |
| XXXX | 27995440 | XXXX | XXXX | Closed | 2026-02-18 23:59 | 2026-02-24 14:18 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, and loan information is on Pg#XXX and the Final Closing disclosure on Pg#XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX , An interior and exterior appraisal was completed for this property – see pg#XXX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXX and confirmation the appraisal was delivered to the borrower – see Pg#XXX. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, and loan information is on Pg#XXX and the Final Closing disclosure on Pg#XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX , An interior and exterior appraisal was completed for this property – see pg#XXX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXX and confirmation the appraisal was delivered to the borrower – see Pg#XXX. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7690886 | N/A | N/A |
| XXXX | 27995440 | XXXX | XXXX | Closed | 2026-02-18 23:59 | 2026-02-24 14:18 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br> Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX XXX XXXX.XX(a)(X)(XXX)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, and loan information is on Pg#XXX and the Final Closing disclosure on Pg#XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX , An interior and exterior appraisal was completed for this property – see pg#XXX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXX and confirmation the appraisal was delivered to the borrower – see Pg#XXX. The loan meets HPML guidelines. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br> Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX XXX XXXX.XX(a)(X)(XXX)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §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, and loan information is on Pg#XXX and the Final Closing disclosure on Pg#XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX , An interior and exterior appraisal was completed for this property – see pg#XXX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXX and confirmation the appraisal was delivered to the borrower – see Pg#XXX. The loan meets HPML guidelines. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7690887 | N/A | N/A |
| XXXX | 28254073 | XXXX | XXXX | Closed | 2026-02-20 03:52 | 2026-02-25 06:55 | Resolved | 1 - Information C A | Compliance | Rescission:Variance | Federal - Right of Rescission Variance Failure (TILA) | Resolved-Resolved - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br> Open-The disclosed "Right to Cancel Expire Date" (XXXX-XX-XX) is earlier than the system calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Regulation Z, funds may not be disbursed to the borrower until the expiration of the rescission period. (XX XXX XXXX.XX(c) and Official Staff Commentary) Transaction date is X/XX/XXXX borrower signed on X/XX/XXXX but the Right to cancel date X/XX/XXXX. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX | Resolved-Resolved - XXX XXXXXXXXX XXXXX-XX/XX/XXXX | XXXX.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7714566 | N/A | N/A |
| XXXX | 21681707 | XXXX | XXXX | Closed | 2026-02-23 08:34 | 2026-02-25 06:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Validation Resolved' - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Thank you for the review. After re-examining the Income Calculator worksheet, please note the following:<br>The worksheet displays entries for XX-XX-XX and XX-XX-XX, but both months show X.XX income.<br>These zero-income months were not included in the total qualifying income calculation.<br>As a result, the borrower's income analysis is based on XX months only, which is fully aligned with guideline requirements.<br>The appearance of XX months on the page reflects the system's date range display, not the number of months used in the calculation.<br>Accordingly, this is an invalid finding, and we request that it be cleared. Supporting documentation is attached for your review. - XXXXXX-XX/XX/XXXX <br> Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. The Income Calculator page XXX shows XX months of income was used from XX/XXXX - XX/XXXX, not X`X months as required by guidelines. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Thank you for the review. After re-examining the Income Calculator worksheet, please note the following:<br>The worksheet displays entries for XX-XX-XX and XX-XX-XX, but both months show X.XX income.<br>These zero-income months were not included in the total qualifying income calculation.<br>As a result, the borrower's income analysis is based on XX months only, which is fully aligned with guideline requirements.<br>The appearance of XX months on the page reflects the system's date range display, not the number of months used in the calculation.<br>Accordingly, this is an invalid finding, and we request that it be cleared. Supporting documentation is attached for your review. - XXXXXX-XX/XX/XXXX | Resolved-Validation Resolved' - XXX XXXXXXXXX XXXXX-XX/XX/XXXX | XXXXX XXXXXXXX (XXXXXX) XXXXXX XXXX XX XXXXXX XXXX.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7755115 | N/A | N/A |
| XXXX | 26562953 | XXXX | XXXX | Closed | 2026-02-19 23:42 | 2026-02-19 23:50 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.X%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.X%).(XX XXX XXXX.XX(a)(X)(XXX)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §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, and loan information is on Pg#XXXand the Final Closing disclosure on Pg#XX s, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX , An interior and exterior appraisal was completed for this property – see pg#XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXXand confirmation the appraisal was delivered to the borrower – see Pg#'XXs The loan meets HPML guidelines. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX |  | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.X%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.X%).(XX XXX XXXX.XX(a)(X)(XXX)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §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, and loan information is on Pg#XXXand the Final Closing disclosure on Pg#XX s, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX , An interior and exterior appraisal was completed for this property – see pg#XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXXand confirmation the appraisal was delivered to the borrower – see Pg#'XXs The loan meets HPML guidelines. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7713440 | N/A | N/A |
| XXXX | 26562953 | XXXX | XXXX | Closed | 2026-02-19 23:42 | 2026-02-19 23:49 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the XXXXXXXXXX HPML threshold of (X.X%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.X%).(Xxx. Xxx. Code XXXX(a); XX XXX XXXX.XX(a)(XXX)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §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, and loan information is on Pg#XXXand the Final Closing disclosure on Pg#XX s, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX , An interior and exterior appraisal was completed for this property – see pg#XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXXand confirmation the appraisal was delivered to the borrower – see Pg#'XXs The loan meets HPML guidelines. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX |  | Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the XXXXXXXXXX HPML threshold of (X.X%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.X%).(Xxx. Xxx. Code XXXX(a); XX XXX XXXX.XX(a)(XXX)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §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, and loan information is on Pg#XXXand the Final Closing disclosure on Pg#XX s, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX , An interior and exterior appraisal was completed for this property – see pg#XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXXand confirmation the appraisal was delivered to the borrower – see Pg#'XXs The loan meets HPML guidelines. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7713439 | N/A | N/A |
| XXXX | 26562953 | XXXX | XXXX | Closed | 2026-02-19 23:42 | 2026-02-19 23:49 | Resolved | 1 - Information A | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (Junior Lien) | Resolved-The loan's (XX.XXX%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (X.X%), which is the comparable average prime offer rate of (X.X%) plus X.X. The System used the following date to perform the APOR index lookup (XXXX-XX-XX). The system added X.X to the comparable APOR because the ($XXX,XXX.XX) note amount equals or exceeds ($XX,XXX.XX). The system used an interest rate of (XX.X%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (XX XXX XXXX.XX(e)(X)(XX)(X)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, and loan information is on Pg#XXXand the Final Closing disclosure on Pg#XX s, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX , An interior and exterior appraisal was completed for this property – see pg#XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXXand confirmation the appraisal was delivered to the borrower – see Pg#'XXs The loan meets HPML guidelines. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX |  | Resolved-The loan's (XX.XXX%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (X.X%), which is the comparable average prime offer rate of (X.X%) plus X.X. The System used the following date to perform the APOR index lookup (XXXX-XX-XX). The system added X.X to the comparable APOR because the ($XXX,XXX.XX) note amount equals or exceeds ($XX,XXX.XX). The system used an interest rate of (XX.X%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (XX XXX XXXX.XX(e)(X)(XX)(X)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §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, and loan information is on Pg#XXXand the Final Closing disclosure on Pg#XX s, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX , An interior and exterior appraisal was completed for this property – see pg#XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXXand confirmation the appraisal was delivered to the borrower – see Pg#'XXs The loan meets HPML guidelines. - XXX XXXXXXXXX XXXXX-XX/XX/XXXX |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7713437 | N/A | N/A |
| XXXX | 22289538 | XXXX | XXXX | Closed | 2026-02-22 04:38 | 2026-02-26 12:45 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Resolved - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. SEE ATTACHED - XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br> Open-The loan disbursement date (XXXX-XX-XX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Regulation Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, XX XXX XXXX.XX(c) and Official Staff Commentary) - XXX XXXXXXXXX XXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXX XXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. SEE ATTACHED - XXXXXX-XX/XX/XXXX | Resolved-Resolved - XXX XXXXXXXXX XXXXX-XX/XX/XXXX | XXXXXXXXXX XXXXXXXXX.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7741192 | N/A | N/A |
| XXXX | 21206945 | XXXX | XXXX | Closed | 2026-02-25 05:27 | 2026-02-26 08:26 | Resolved | 1 - Information C A | Credit | Credit | Deficient Income Documentation | Resolved-Client clarification on the program has been received. The provided documents have been reviewed and XXXXXXXX has been updated to reflect. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Lender notes the subject loan product is Bundt Cake with XX mo Bank Statements and not a P&L product. - Seller-XX/XX/XXXX <br> Open-The approval states this loan as a XXXX loan with income verified via Full Doc. However, the required documents for S/E borrower is missing from file. <br> Section X.X states X - X years of personal and business tax returns along with any schedules to support the P&L and statements. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Lender notes the subject loan product is XXXX with XX mo Bank Statements and not a P&L product. - Seller-XX/XX/XXXX | Resolved-Client clarification on the program has been received. The provided documents have been reviewed and XXXXXXXX has been updated to reflect. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | XXXXXXXXXX XXXXXXX Income Worksheet Calc.XXX<br> XXXXXXXXXX XXXXXXX - CPA LTR CURRENT.XXX<br> XXXXXXXXXX XXXXXXX business narrative.XXX<br> XXXXXXXXXX XXXXXXX Biz XXXX Bank stmts.XXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7794647 | N/A | N/A |
| XXXX | 21206945 | XXXX | XXXX | Closed | 2026-02-21 02:19 | 2026-02-26 00:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Tax, Insurance and mortgage statements missing for investment properties to validate, provided the same, changes made in system, Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Please see attached supporting docs for the following REOs: REO XXXX, XXXX, XXXX X/X XXXXXXXXX XXX \*\*\* Multiple units Property, XXXXXX XX Mtg payment $X,XXX.XX, Taxes $X,XXX.XX ,HOI $XX.X AND REO XXXX xxxxxxxxx PITI is all included in Mortgage payment, see First XXXXXX XX Mtg includes Tax and Ins. Also see Xxn Mtg - XXXXXX XX Stmt XXXX xxxxxxxxx. Please expedite this to be cleared as soon as possible - Seller-XX/XX/XXXX <br> Open-The following investment property is missing the required PITIA confirming documents to verify the rental loss/gain:<br> XXXX, XXXX, XXXX X/X XXXXXXXXX XXX<br>The insurance policies provided account for XXXX and XXXX XXXXXXXXX. The file is pending the required mortgage statement for the XXXXXX XXXXXXX account, insurance documents and tax cert. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached supporting docs for the following REOs: REO XXXX, XXXX, XXXX X/X XXXXXXXXX XXX \*\*\* Multiple units Property, XXXXXX XX Mtg payment $X,XXX.XX, Taxes $X,XXX.XX ,HOI $XX.X AND REO XXXX xxxxxxxxx PITI is all included in Mortgage payment, see First XXXXXX XX Mtg includes Tax and Ins. Also see Xxn Mtg - XXXXXX XX Stmt XXXX xxxxxxxxx. Please expedite this to be cleared as soon as possible - Seller-XX/XX/XXXX | Resolved-Tax, Insurance and mortgage statements missing for investment properties to validate, provided the same, changes made in system, Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | XXXXXXXXXX XXXXXXX Taxes and Ins REO XXXX, XXXX, XXXX .X XXXXXXXXX XXX Multiple units Property,.XXX<br> XXXXXXXXXX XXXXXXX REO XXXXXX XX Stmt XXXX xxxxxxxxx Xnd. mtg xxx.XXX<br> XXXXXXXXXX XXXXXXX XXXXXX XX Mtg includes Tax and Ins for REO XXXX xxxxxxxxx.XXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7737778 | N/A | N/A |
| XXXX | 21002953 | XXXX | XXXX | Closed | 2026-02-25 00:11 | 2026-02-25 07:07 | Resolved | 1 - Information A | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (Junior Lien) | Resolved-The loan's (X.XXX%) APR equals or exceeds the General XXXXXXXXX XXXXXXXX Loan Price-Based threshold of (X.XX%), which is the comparable average prime offer rate of (X.XX%) plus X.X. The System used the following date to perform the APOR index lookup (XXXX-XX-XX). The system added X.X to the comparable APOR because the ($XXX,XXX.XX) note amount equals or exceeds ($XX,XXX.XX). The system used an interest rate of (X.XXX%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (XX XXX XXXXXX.X(X)(X)(XX)(X)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXXXX.XX(X)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, and loan information is on Pg#XXXand the Final Closing disclosure on Pg#XX s, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX , An interior and exterior appraisal was completed for this property – see pg#XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXXand confirmation the appraisal was delivered to the borrower – see Pg#'XXXs The loan meets XXXX guidelines. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the General XXXXXXXXX XXXXXXXX Loan Price-Based threshold of (X.XX%), which is the comparable average prime offer rate of (X.XX%) plus X.X. The System used the following date to perform the APOR index lookup (XXXX-XX-XX). The system added X.X to the comparable APOR because the ($XXX,XXX.XX) note amount equals or exceeds ($XX,XXX.XX). The system used an interest rate of (X.XXX%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (XX XXX XXXXXX.X(X)(X)(XX)(X)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXXXX.XX(X)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, and loan information is on Pg#XXXand the Final Closing disclosure on Pg#XX s, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX , An interior and exterior appraisal was completed for this property – see pg#XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXXand confirmation the appraisal was delivered to the borrower – see Pg#'XXXs The loan meets XXXX guidelines. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7792693 | N/A | N/A |
| XXXX | 21002953 | XXXX | XXXX | Closed | 2026-02-25 00:11 | 2026-02-25 07:07 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a California Higher-Priced Mortgage Loan (XXXX). The loan's APR of (X.XXX%) equals or exceeds the California XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX XXX XXXXXX.XX(a)(iii)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, and loan information is on Pg#XXXand the Final Closing disclosure on Pg#XX s, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX , An interior and exterior appraisal was completed for this property – see pg#XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXXand confirmation the appraisal was delivered to the borrower – see Pg#'XXXs The loan meets XXXX guidelines. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-This is a California Higher-Priced Mortgage Loan (XXXX). The loan's APR of (X.XXX%) equals or exceeds the California XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX XXX XXXXXX.XX(a)(iii)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, and loan information is on Pg#XXXand the Final Closing disclosure on Pg#XX s, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX , An interior and exterior appraisal was completed for this property – see pg#XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXXand confirmation the appraisal was delivered to the borrower – see Pg#'XXXs The loan meets XXXX guidelines. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7792694 | N/A | N/A |
| XXXX | 21002953 | XXXX | XXXX | Closed | 2026-02-25 00:11 | 2026-02-25 07:07 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX XXX XXXXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, and loan information is on Pg#XXXand the Final Closing disclosure on Pg#XX s, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX , An interior and exterior appraisal was completed for this property – see pg#XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXXand confirmation the appraisal was delivered to the borrower – see Pg#'XXXs The loan meets XXXX guidelines. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX XXX XXXXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX XXX § XXXXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX XXX §XXXXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, and loan information is on Pg#XXXand the Final Closing disclosure on Pg#XX s, Finding reflects escrows. Rate lock date was entered correctly – see Pg#XXX , An interior and exterior appraisal was completed for this property – see pg#XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXXand confirmation the appraisal was delivered to the borrower – see Pg#'XXXs The loan meets XXXX guidelines. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7792695 | N/A | N/A |
| XXXX | 20116649 | XXXX | XXXX | Closed | 2026-02-27 09:30 | 2026-03-02 06:56 | Resolved | 1 - Information C A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-received corrected final XXXX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. please see attached - Buyer-XX/XX/XXXX <br> Open-Borrower states on Final XXXX in section Xa they are currently renting and we have VOR in file, then Xd and Xf states Primary residences. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-received corrected final XXXX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | XXXX Final.XXX |  |  | ID | Second Home | Refinance | Cash Out - Other | 7846508 | N/A | N/A |
| XXXX | 20116649 | XXXX | XXXX | Closed | 2026-02-26 19:00 | 2026-03-02 02:07 | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Incomplete | Resolved-Updated Title Commitment uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Resolved-Title Document is Provided And Complete - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Please see attached.<br> Please also see corrected exception- Property is Zoned RR which is Restricted Residential, not Rural. The neighborhood characteristics mention rural, but that's not the Subject<br> property. There are X appraisals in file characterizing the neighborhood differently which is common and acceptable. The subject area is XXK<br> square feet, sits in neighborhood of other homes in close proximity. This is not rural. One appraisal mention marketing time over X months, but<br> adds the commentary the Homes with Lake and Golf Course views remain stable. Our subject fits that description as it has both Views. - Buyer-XX/XX/XXXX <br> Open-Title Document is Incomplete Schedule A is missing from provided Title report. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Updated Title Commitment uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Resolved-Title Document is Provided And Complete - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | XXXXXX.XXX<br> XXXXXXXXXXX XXXXX Exception LTV. Cash out amount. loan amount..XXX |  |  | ID | Second Home | Refinance | Cash Out - Other | 7835943 | N/A | N/A |
| XXXX | 20116649 | XXXX | XXXX | Closed | 2026-02-27 05:49 | 2026-02-27 12:06 | Waived | 2 - Non-Material B | Credit | Credit | Cash out funds exceed guideline requirement. | Waived-Cash Out is not completed according to the guideline requirements Exception provided on page #XXX requested for Exception to allow cash out exceeding $XXX,XXX with loan amount of $XXX,XXX, XX% CLTV, and FICO XXX for cash-out refinance of Xnd home rural property with a marketing time over Xmonths on XX-month bank statement program. - XXXXXXXXX XXXXXX XXXXXX-XX/XX/XXXX |  | Waived-Cash Out is not completed according to the guideline requirements Exception provided on page #XXX requested for Exception to allow cash out exceeding $XXX,XXX with loan amount of $XXX,XXX, XX% CLTV, and FICO XXX for cash-out refinance of Xnd home rural property with a marketing time over Xmonths on XX-month bank statement program. - XXXXXXXXX XXXXXX XXXXXX-XX/XX/XXXX |  |  | XX.XX% LTV is below the maximum XX% LTV by XX.XX%.<br> X.X% DTI is below the maximum XX% DTI by XX.X%.<br> Borrower has $X,XXX,XXX residual income after all expenses. Minimum required per guideline is $X,XXX.<br> Borrower has been employed in same career for XX years. | ID | Second Home | Refinance | Cash Out - Other | 7841868 | Originator Pre-Close | Yes |
| XXXX | 25966816 | XXXX | XXXX | Closed | 2026-02-26 01:08 | 2026-03-02 11:52 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-The client has provided a copy of the rate lock. Finding has been cleared. - XXXXXXXXX XXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Please see attached. - Seller-XX/XX/XXXX <br> Open-Evidence of Rate Lock Missing Required Rate Lock Agreement. - XXXXXXXXX XXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached. - Seller-XX/XX/XXXX | Resolved-The client has provided a copy of the rate lock. Finding has been cleared. - XXXXXXXXX XXXXXX XXXXXX-XX/XX/XXXX | XXXXXXXXXX XXXXXX Rate Lock Agreement.XXX |  |  | CA | Investment | Refinance | Cash Out - Other | 7816119 | N/A | N/A |
| XXXX | 28291186 | XXXX | XXXX | Closed | 2026-02-26 02:50 | 2026-02-27 07:04 | Resolved | 1 - Information C A | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (Junior Lien) | Resolved-This QM fail is not applicable to this NonQM transaction. - XXXXXXXXX XXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. REBUTAL - Seller-XX/XX/XXXX <br> Open- - XXXXXXXXX XXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXXXXXXXX XXXXXX XXXXXX-XX/XX/XXXX <br> Open-The loan's (X.XXX%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (X.XX%), which is the comparable average prime offer rate of (X.XX%) plus X.X. The System used the following date to perform the APOR index lookup (XXXX-XX-XX). The system added X.X to the comparable APOR because the ($XXX,XXX.XX) note amount equals or exceeds ($XX,XXX.XX). The system used an interest rate of (X.XXX%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (XX CFR XXXX.XX(e)(X)(vi)(E)) Mavent QM type i updated as general qualified mortgage due to that QM loan fees condition added. - XXXXXXXXX XXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXXXXXXXX XXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. REBUTAL - Seller-XX/XX/XXXX | Resolved-This QM fail is not applicable to this NonQM transaction. - XXXXXXXXX XXXXXX XXXXXX-XX/XX/XXXX | XXXXX XXX XXXXXXXXXXXX XX XXXX XXXXXX.XXX<br> XXXXXX.XXX |  |  | NC | Primary Residence | Refinance | Cash Out - Other | 7816624 | N/A | N/A |
| XXXX | 28291186 | XXXX | XXXX | Closed | 2026-02-26 03:43 | 2026-02-27 02:16 | Resolved | 1 - Information A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Requested homeownership counseling disclosure provided, updated & condition resolved. - XXXXXXXXX XXXXXX XXXXXX-XX/XX/XXXX <br> Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - XXXXXXXXX XXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Please see attached. - Seller-XX/XX/XXXX <br> Open-Homeownership Counseling Disclosure is missing in file. - XXXXXXXXX XXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached. - Seller-XX/XX/XXXX | Resolved-Requested homeownership counseling disclosure provided, updated & condition resolved. - XXXXXXXXX XXXXXX XXXXXX-XX/XX/XXXX <br> Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - XXXXXXXXX XXXXXX XXXXXX-XX/XX/XXXX | XXXXXXXXXX XXXXXXXX Homeownership Counseling Discl.XXX |  |  | NC | Primary Residence | Refinance | Cash Out - Other | 7817046 | N/A | N/A |
| XXXX | 28291186 | XXXX | XXXX | Closed | 2026-02-26 03:15 | 2026-02-27 00:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Award Letter Missing | Resolved-VA benefit letter uploaded, Verified & entered in system - Resolved<br> - XXXXXXXXX XXXXXX XXXXXX-XX/XX/XXXX <br> Resolved-Borrower X Award Letter Provided - XXXXXXXXX XXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Please see attached. - Seller-XX/XX/XXXX <br> Open-Borrower X Award Letter Missing Borrower is Qualifying with VA Benefits. However, income Award letter is missing in file. - XXXXXXXXX XXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached. - Seller-XX/XX/XXXX | Resolved-VA benefit letter uploaded, Verified & entered in system - Resolved<br> - XXXXXXXXX XXXXXX XXXXXX-XX/XX/XXXX <br> Resolved-Borrower X Award Letter Provided - XXXXXXXXX XXXXXX XXXXXX-XX/XX/XXXX | XXXXXXXXXX XXXXXXXX VA Benefit Letter.XXX |  |  | NC | Primary Residence | Refinance | Cash Out - Other | 7816778 | N/A | N/A |
| XXXX | 28291186 | XXXX | XXXX | Closed | 2026-02-26 02:50 | 2026-02-26 05:53 | Waived | 2 - Non-Material B | Compliance | HigherPriced:APR | North Carolina - Rate Spread Home Loan (Junior Lien 10/13) | Waived-The loan's (X.XXX%) APR equals or exceeds the XXXXXXXXXXXXX Rate Spread Home Loan junior lien threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a X-X unit dwelling is (X.XX%).(N.C. Gen. Stat. XX-X.XF(aX); XX USC XXXXc(c)(X)(B)(ii); XX CFR XXXX.XX(a)(X)(iii)) The loan meets HPML guidelines. Finding Waived - XXXXXXXXX XXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXXXXXXXX XXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXXXXXXXX XXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXXXXXXXX XXXXXX XXXXXX-XX/XX/XXXX |  | Waived-The loan's (X.XXX%) APR equals or exceeds the XXXXXXXXXXXXX Rate Spread Home Loan junior lien threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this closed end loan secured by a X-X unit dwelling is (X.XX%).(N.C. Gen. Stat. XX-X.XF(aX); XX USC XXXXc(c)(X)(B)(ii); XX CFR XXXX.XX(a)(X)(iii)) The loan meets HPML guidelines. Finding Waived - XXXXXXXXX XXXXXX XXXXXX-XX/XX/XXXX |  |  |  | NC | Primary Residence | Refinance | Cash Out - Other | 7816625 | Originator Pre-Close | Yes |
| XXXX | 28291186 | XXXX | XXXX | Closed | 2026-02-26 02:50 | 2026-02-26 05:53 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, Escrow Waiver disclosures and loan information is on Pg#'s XXX, and the Final Closing disclosure on Pg#'s XX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, XX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XX. The loan meets HPML guidelines, resolved.<br> - XXXXXXXXX XXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXXXXXXXX XXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXXXXXXXX XXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXXXXXXXX XXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, Escrow Waiver disclosures and loan information is on Pg#'s XXX, and the Final Closing disclosure on Pg#'s XX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, XX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XX. The loan meets HPML guidelines, resolved.<br> - XXXXXXXXX XXXXXX XXXXXX-XX/XX/XXXX |  |  |  | NC | Primary Residence | Refinance | Cash Out - Other | 7816628 | N/A | N/A |
| XXXX | 29637044 | XXXX | XXXX | Closed | 2026-02-26 23:44 | 2026-03-05 04:42 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Client clarification on the pending PITIA confirming documents for the primary were provided. Finding has been cleared. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX <br> Open-The file contains insurance documents (pg XXX and XXX) confirming the monthly insurance for the borrower's current primary. However, the file does not contain a documents to verify the taxes and HOA due monthly. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX | Resolved-Client clarification on the pending PITIA confirming documents for the primary were provided. Finding has been cleared. - Due Diligence Vendor-XX/XX/XXXX | XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX<br> XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX |  |  | CA | Investment | Refinance | Cash Out - Other | 7838414 | N/A | N/A |
| XXXX | 22941776 | XXXX | XXXX | Closed | 2026-03-02 05:58 | 2026-03-04 10:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-The client has provided documentation confirming the first lien PITIA. Finding has been resolved - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Please see attached existing First, existing Second, and Solar monthly statements. The correct existing first P&I is $X,XXX.XX. A revised XXXX and XXXX is also attached. - Seller-XX/XX/XXXX <br> Open-The file is missing the primary lien documents confirming the $XX,XXX.XX in calculated P&I. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached existing First, existing Second, and Solar monthly statements. The correct existing first P&I is $X,XXX.XX. A revised XXXX and XXXX is also attached. - Seller-XX/XX/XXXX | Resolved-The client has provided documentation confirming the first lien PITIA. Finding has been resolved - Due Diligence Vendor-XX/XX/XXXX | XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX<br> XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX<br> XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX<br> XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7868637 | N/A | N/A |
| XXXX | 22941776 | XXXX | XXXX | Closed | 2026-03-01 22:05 | 2026-03-02 06:21 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, Escrow Waiver disclosures and loan information is on Pg#'s XXX, and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, Escrow Waiver disclosures and loan information is on Pg#'s XXX, and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7864946 | N/A | N/A |
| XXXX | 22941776 | XXXX | XXXX | Closed | 2026-03-01 22:05 | 2026-03-02 06:21 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, Escrow Waiver disclosures and loan information is on Pg#'s XXX, and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, Escrow Waiver disclosures and loan information is on Pg#'s XXX, and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7864947 | N/A | N/A |
| XXXX | 26760338 | XXXX | XXXX | Closed | 2026-03-05 04:33 | 2026-03-09 00:43 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of rate lock uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Please see attached. - Seller-XX/XX/XXXX <br> Open-Evidence of Rate Lock Missing A copy of the rate lock is missing from file - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached. - Seller-XX/XX/XXXX | Resolved-Evidence of rate lock uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XX/XX/XXXX | XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7937777 | N/A | N/A |
| XXXX | 27202670 | XXXX | XXXX | Closed | 2026-03-03 01:07 | 2026-03-05 02:33 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX <br> Open-Evidence of Rate Lock Missing Lock Missing in the file Required Rate Lock document. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XX/XX/XXXX | XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7888950 | N/A | N/A |
| XXXX | 29657121 | XXXX | XXXX | Closed | 2026-03-04 22:57 | 2026-03-11 02:39 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-Missing Hazard Insurance Policy Hazard Insurance Policy document is missing in loan file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Resolved-Hazard Insurance Policy uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-XX/XX/XXXX | XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX<br> XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX |  |  | VA | Primary Residence | Refinance | Cash Out - Other | 7935530 | N/A | N/A |
| XXXX | 29657121 | XXXX | XXXX | Closed | 2026-03-05 00:29 | 2026-03-11 00:29 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Executed copy of Final Closing Disclosure uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Resolved-TRID: Final Closing Disclosure Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX <br> Open-TRID: Missing Closing Disclosure Given final closing disclosure is not executed by borrower. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - XXXXXX-XX/XX/XXXX | Resolved-Executed copy of Final Closing Disclosure uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Resolved-TRID: Final Closing Disclosure Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | XXXXX XX XXXXXX.XXX |  |  | VA | Primary Residence | Refinance | Cash Out - Other | 7936168 | N/A | N/A |
| XXXX | 29657121 | XXXX | XXXX | Closed | 2026-03-11 00:26 | 2026-03-11 00:27 | Resolved | 1 - Information C A | Compliance | Mavent | VA Fee Not Allowed- Electronic Document Delivery Fee (Fee ID: 127) | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  |  |  | VA | Primary Residence | Refinance | Cash Out - Other | 8035671 | N/A | N/A |
| XXXX | 27150162 | XXXX | XXXX | Closed | 2026-03-04 04:29 | 2026-03-10 10:31 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-The Final XXXX is Present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Please see attached - XXXXXX-XX/XX/XXXX <br> Counter-The previously attached XXXX is not for this transaction. Provide the Final URLA for XXXXX XXXXXX XX - XXXXXXXXXX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Please see attached - XXXXXX-XX/XX/XXXX <br> Open-The Final XXXX is Missing Final XXXX for this transaction is missing in the file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Please see attached - XXXXXX-XX/XX/XXXX | Resolved-The Final XXXX is Present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | XXXXXXXXXX XXXXXXXXX XXXXXX XXXXX XXXX.XXX<br> XXXXXXXXXX XXXXXXXXX XXXXXX - XXXXX XXXX.XXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7913673 | N/A | N/A |
| XXXX | 27150162 | XXXX | XXXX | Closed | 2026-03-04 04:57 | 2026-03-09 00:48 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Resolved-Anti-Steering Disclosure uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Please see attached - XXXXXX-XX/XX/XXXX <br> Open-Broker fee is marked as paid by lender, this requires an Anti-Steering Disclosure, but indicator is not selected as Present. Review this requirement. Required Anti-Steering Disclosure. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - XXXXXX-XX/XX/XXXX | Resolved-Anti-Steering Disclosure uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Resolved-Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | XXXXXXXXXX XXXXXXXXX XXXXXX XXXX-XXXXXXXX.XXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7913923 | N/A | N/A |
| XXXX | 27150162 | XXXX | XXXX | Closed | 2026-03-04 04:57 | 2026-03-09 00:46 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Resolved-Evidence of Rate Lock Provided<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Please see attached lock confirmation for X.XX - XXXXXX-XX/XX/XXXX <br> Open-Evidence of Rate Lock Missing Required Rate Lock confirmation is missing from file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached lock confirmation for X.XX - XXXXXX-XX/XX/XXXX | Resolved-Evidence of Rate Lock Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Resolved-Evidence of Rate Lock Provided<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | XXXXXXXXXX XXXXXXXXX X.XX XXXX XXXXXXXXXXXX XXXXXXXX.XXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7913922 | N/A | N/A |
| XXXX | 27150162 | XXXX | XXXX | Closed | 2026-03-04 04:57 | 2026-03-05 06:29 | Resolved | 1 - Information C A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The client has provided a copy of the lock confirmation. The loan now passes all HPML checks. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. please see attached lock confirmation for X.XX - XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, and loan information is on Pg#XXXand the Final Closing disclosure on Pg#XX s, Finding reflects escrows. Rate lock date was entered correctly – see Pg# , An interior and exterior appraisal was completed for this property – see pg#XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXXand confirmation the appraisal was delivered to the borrower – see Pg#'XXs Rate Lock missing in the file The loan doesn't meets HPML guidelines. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. please see attached lock confirmation for X.XX - XXXXXX-XX/XX/XXXX | Resolved-The client has provided a copy of the lock confirmation. The loan now passes all HPML checks. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | XXXXXXXXXX XXXXXXXXX X.XX XXXX XXXXXXXXXXXX XXXXXXXX.XXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7913927 | N/A | N/A |
| XXXX | 27150162 | XXXX | XXXX | Closed | 2026-03-04 04:57 | 2026-03-04 09:04 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the XXXXXXXXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) Resolved. Finding has been opened for the client to address.<br> This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, and loan information is on Pg#XXXand the Final Closing disclosure on Pg#XX s, Finding reflects escrows. Rate lock date was entered correctly – see Pg# , An interior and exterior appraisal was completed for this property – see pg#XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXXand confirmation the appraisal was delivered to the borrower – see Pg#'XXs Rate Lock missing in the file The loan doesn't meets HPML guidelines. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-This is a XXXXXXXXXX Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the XXXXXXXXXX HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) Resolved. Finding has been opened for the client to address.<br> This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, and loan information is on Pg#XXXand the Final Closing disclosure on Pg#XX s, Finding reflects escrows. Rate lock date was entered correctly – see Pg# , An interior and exterior appraisal was completed for this property – see pg#XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXXand confirmation the appraisal was delivered to the borrower – see Pg#'XXs Rate Lock missing in the file The loan doesn't meets HPML guidelines. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7913926 | N/A | N/A |
| XXXX | 26868258 | XXXX | XXXX | Closed | 2026-03-09 23:25 | 2026-03-12 15:11 | Resolved | 1 - Information A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-The loan meets HPML guidelines. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Rescinded-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s XXX, Rate lock date was entered correctly – see Pg#'s XXX- Xnd package, An interior and exterior appraisal was completed for this property – see pg#XX, ECOA Appraisal Disclosure OR the LE's page as the page#XXX-XXX and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-The loan meets HPML guidelines. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Rescinded-This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Loan is a closed end second lien and is not required to escrow "on Closed end Seconds only. Final Closing disclosure on Pg#'s XXX, Rate lock date was entered correctly – see Pg#'s XXX- Xnd package, An interior and exterior appraisal was completed for this property – see pg#XX, ECOA Appraisal Disclosure OR the LE's page as the page#XXX-XXX and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets HPML guidelines. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  |  |  | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 8011530 | N/A | N/A |
| XXXX | 26868258 | XXXX | XXXX | Closed | 2026-03-09 23:34 | 2026-03-11 03:51 | Resolved | 1 - Information D A | Credit | Missing Doc | Loan Approval Document is Missing | Resolved-Loan Approval uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-Proof of lender loan approval or program is missing. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Resolved-Loan Approval uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | XXXXXXXX XXXXXXXXXXX (X).XXX |  |  | CA | Primary Residence | Refinance | Cash Out - Debt Consolidation | 8011572 | N/A | N/A |
| XXXX | 23070354 | XXXX | XXXX | Closed | 2026-03-06 03:01 | 2026-03-17 08:16 | Cured | 1 - Information C A | Compliance | State Reg | MI Lender Retained Fees Test | Cured-Cure to borrower for these fees - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Counter-The following fees were the reason for the fail. The Tax Service Fee, Administration Fee, and the Document Preparation Fee - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Please let us know what fees are prohibited that way we can review - Seller-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Can you please specify which lender fees are throwing the loan out of compliance? - Seller-XX/XX/XXXX <br> Open-This loan failed the Lender Retained Fees Test. (Mich. Comp. Laws Ann. §XXX.XX(X)(b))The loan charged one or more fees prohibited under the Lender Retained Fees Test. These fees are prohibited in a secondary mortgage loan transaction. The Department of Insurance and Financial Services has taken the position that only reasonable and necessary charges that are the actual expenses incurred by the licensee, registrant, or exclusive broker in connection with making, closing, disbursing, extending, readjusting, or renewing of a secondary mortgage can be charged in a secondary mortgage loan transaction. XXXXX failed for the MI sate specific Lender Retained Fees Test fee. This loan failed the Lender Retained Fees Test. (Mich. Comp. Laws Ann. §XXX.XX(X)(b))The loan charged one or more fees prohibited under the Lender Retained Fees Test. These fees are prohibited in a secondary mortgage loan transaction. The Department of Insurance and Financial Services has taken the position that only reasonable and necessary charges that are the actual expenses incurred by the licensee, registrant, or exclusive broker in connection with making, closing, disbursing, extending, readjusting, or renewing of a secondary mortgage can be charged in a secondary mortgage loan transaction. XXXXX failed for the MI sate specific Lender Retained Fees Test fee. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Please let us know what fees are prohibited that way we can review - Seller-XX/XX/XXXX <br> Ready for Review-Can you please specify which lender fees are throwing the loan out of compliance? - Seller-XX/XX/XXXX | Cured-Cure to borrower for these fees - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | XXX XXXX.XXX<br> XXXXXX XX XXXXXXXX.XXX |  |  | MI | Primary Residence | Refinance | Cash Out - Other | 7965044 | N/A | N/A |
| XXXX | 23070354 | XXXX | XXXX | Closed | 2026-03-06 03:01 | 2026-03-17 08:16 | Cured | 1 - Information C A | Compliance | State Reg | MI Unrelated Transactional Fees Test | Cured-Cure to borrower for these fees - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Counter-The following fees were the reason for the fail. the Tax Service Fee, Administration Fee, and the Document Preparation Fee - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Can you please specify which lender fees are throwing the loan out of compliance? - Seller-XX/XX/XXXX <br> Open-This loan failed the Unrelated Transactional Fees Test. (Mich. Department of Consumer & Industry Services Letter, September XX, XXXX). See Mich. Comp. Laws Ann. §XXX.XX(X)(b).This loan charges one or more fees prohibited under the Unrelated Transactional Fees Test. These fees are prohibited in a loan transaction. These fees are not considered a reasonable and necessary charge that was the actual expense incurred by the licensee, registrant, or exclusive broker in connection with making, closing, disbursing, extending, readjusting, or renewing of a secondary mortgage, because these fees or charges are not related to some part of the transaction between lender and borrower. XXXXX failed for the MI sate specific Lender Retained Fees Test fee. This loan failed the Unrelated Transactional Fees Test. (Mich. Department of Consumer & Industry Services Letter, September XX, XXXX). See Mich. Comp. Laws Ann. §XXX.XX(X)(b).This loan charges one or more fees prohibited under the Unrelated Transactional Fees Test. These fees are prohibited in a loan transaction. These fees are not considered a reasonable and necessary charge that was the actual expense incurred by the licensee, registrant, or exclusive broker in connection with making, closing, disbursing, extending, readjusting, or renewing of a secondary mortgage, because these fees or charges are not related to some part of the transaction between lender and borrower. XXXXX failed for the MI sate specific Lender Retained Fees Test fee. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Can you please specify which lender fees are throwing the loan out of compliance? - Seller-XX/XX/XXXX | Cured-Cure to borrower for these fees - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  |  |  | MI | Primary Residence | Refinance | Cash Out - Other | 7965045 | N/A | N/A |
| XXXX | 23070354 | XXXX | XXXX | Closed | 2026-03-06 02:53 | 2026-03-11 00:08 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Right of Rescission | Resolved-Notice of right to cancel uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-Right of Rescission is Missing Notice of right to cancel is missing to complete the compliance test - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Resolved-Notice of right to cancel uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | XXXXX.XXX |  |  | MI | Primary Residence | Refinance | Cash Out - Other | 7964943 | N/A | N/A |
| XXXX | 23033650 | XXXX | XXXX | Closed | 2026-03-09 01:29 | 2026-03-13 09:18 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Counter-The CD provided is not sufficient. This is a valid fail and may be cured if the client refunds the fee violation and provides XXXXXX a copy of the check, PCCD, LOE, and proof of delivery. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Borrower was given a lender credit in the amount of $XX.XX on Final CD. - Seller-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open-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. Compliance failed for reimbursement amount validation test. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Borrower was given a lender credit in the amount of $XX.XX on Final CD. - Seller-XX/XX/XXXX | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | XXXXX XX _ XXX XXXXXX.XXX<br> XXXX XXXXX - XXXXXXXXX XXXXX.XXX<br> XXXXX XX _ XXX XXXXXX.XXX |  |  | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 7989600 | N/A | N/A |
| XXXX | 23033650 | XXXX | XXXX | Closed | 2026-03-09 01:29 | 2026-03-13 09:18 | Resolved | 1 - Information C A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Counter-The CD provided is not sufficient. This is a valid fail and may be cured if the client refunds the fee violation and provides XXXXXX a copy of the check, PCCD, LOE, and proof of delivery. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Borrower was given a lender credit in the amount of $XX.XX on Final CD. - Seller-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open-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. Compliance failed for the closing or reimbursement date validation test. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Borrower was given a lender credit in the amount of $XX.XX on Final CD. - Seller-XX/XX/XXXX | Resolved- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | XXXXX XX _ XXX XXXXXX.XXX<br> XXXX XXXXX - XXXXXXXXX XXXXX.XXX<br> XXXXX XX _ XXX XXXXXX.XXX |  |  | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 7989601 | N/A | N/A |
| XXXX | 23033650 | XXXX | XXXX | Closed | 2026-03-09 01:29 | 2026-03-13 09:18 | Resolved | 1 - Information C A | Compliance | TRID | Charges That In Total Cannot Increase More Than 10% Test | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br> Resolved- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Counter-The CD provided is not sufficient. This is a valid fail and may be cured if the client refunds the fee violation and provides XXXXXX a copy of the check, PCCD, LOE, and proof of delivery. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Borrower was given a lender credit in the amount of $XX.XX on Final CD. - Seller-XX/XX/XXXX <br> Open-This loan failed the charges that in total cannot increase more than XX% test. (XXXX.XX §XXXX.XX(e)(X)(ii))The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to §XXXX.XX(e)(X)(ii). The final charges that in total cannot increase more than XX% ($XXX.XX) exceed the comparable charges ($XXX.XX) by more than XX%. Please see the table that displays the Charges That Cannot Increase More Than XX% 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 §XXXX.XX(e)(X)(i) by more than XX 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 §XXXX.XX(e)(X)(vi). On final CD pg#XXX section E Recording fees are increased to $XXX from $XXX initial CD on Pg#XXX. This is a valid fail and may be cured if the client refunds the fee violation and provides XXXXXX a copy of the check, PCCD, LOE, and proof of delivery.<br>- Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Borrower was given a lender credit in the amount of $XX.XX on Final CD. - Seller-XX/XX/XXXX | Resolved- - Due Diligence Vendor-XX/XX/XXXX | XXXXX XX _ XXX XXXXXX.XXX<br> XXXX XXXXX - XXXXXXXXX XXXX.XXX<br> XXXXX XX _ XXX XXXXXX.XXX |  |  | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 7989602 | N/A | N/A |
| XXXX | 23033650 | XXXX | XXXX | Closed | 2026-03-09 06:48 | 2026-03-12 01:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Loan Approval Document is Missing | Resolved-Loan Approval Document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-Lender Loan Approval Document is Missing - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Resolved-Loan Approval Document uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX | XXXXXXXX XXXXXXXXXXX.XXX |  |  | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 7993744 | N/A | N/A |
| XXXX | 23033650 | XXXX | XXXX | Closed | 2026-03-09 00:57 | 2026-03-12 01:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Photo Identification Type Missing | Resolved-Borrower X Photo Identification uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-Borrower X Photo Identification Missing. Please provide valid photo identification per guideline requirements. Proof of Photo Identification Missing for borrower X . - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Resolved-Borrower X Photo Identification uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-XX/XX/XXXX | XXXXXXX XXXXXXXX.XXX |  |  | CA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 7989425 | N/A | N/A |
| XXXX | 24759178 | XXXX | XXXX | Closed | 2026-03-05 23:10 | 2026-03-06 12:33 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Loan Amount is greater than Guideline Maximum Loan Amount | Waived-Exception made for the loan amount exceeding $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX |  | Waived-Exception made for the loan amount exceeding $XXX,XXX. - Due Diligence Vendor-XX/XX/XXXX |  |  | Residual Income is $XXXXXX.XX. Minimum Residual Income required per guidelines is $XXXX. <br> Credit Score is XXX. Minimum required per guidelines is XXX. | CO | Primary Residence | Refinance | Cash Out - Other | 7963741 | Originator Pre-Close | Yes |
| XXXX | 28286639 | XXXX | XXXX | Closed | 2026-03-10 08:28 | 2026-03-12 06:53 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-XX/XX/XXXX | XXXXXXXX XXXXXXX & XXXX XXXXXXXXXXXX.XXX |  |  | CA | Investment | Refinance | Cash Out - Other | 8019575 | N/A | N/A |
| XXXX | 23579560 | XXXX | XXXX | Closed | 2026-03-09 06:17 | 2026-03-18 14:32 | Resolved | 1 - Information C A | Compliance | Rescission:Variance | Federal - Right of Rescission Variance Failure (TILA) | Resolved-The PCCD is updated to file and cleared. - Due Diligence Vendor-XX/XX/XXXX <br> Resolved- - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX <br> Counter-The provided PCCD does not list a date in the 'Date Issued" section. This is the equivalent of the document date and required for the document. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Issue date is not a finding, Please expedite this to be cleared as soon as possible - Seller-XX/XX/XXXX <br> Counter-The provided PCCD is missing the Issue Date. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Lender notes the loan funded X.X.XXXX after rescission period ended, docs signed X.XX.XXXX, does suffice. <br>- Seller-XX/XX/XXXX <br> Open-The disclosed "Right to Cancel Expire Date" (XXXX-XX-XX) is earlier than the system calculated "Right to Cancel Expire Date" (XXXX-XX-XX). Under Regulation Z, funds may not be disbursed to the borrower until the expiration of the rescission period. (XXXX XX XX.XX(c) and Official Staff Commentary) The Right to Cancel reflects the disbursement date. - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX <br> Ready for Review-Issue date is not a finding, Please expedite this to be cleared as soon as possible - Seller-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Lender notes the loan funded X.X.XXXX after rescission period ended, docs signed X.XX.XXXX, does suffice. <br>- Seller-XX/XX/XXXX | Resolved-The PCCD is updated to file and cleared. - Due Diligence Vendor-XX/XX/XXXX | XXXXXXXXXX XXXXXXXXXXX XXXXXXX XXXX.XXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7992371 | N/A | N/A |
| XXXX | 23579560 | XXXX | XXXX | Closed | 2026-03-09 03:15 | 2026-03-16 08:58 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-Evidence of rate lock uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX <br> Open-Evidence of Rate Lock Missing Rate lock is missing in the file - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-Evidence of rate lock uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX | XXXXXXXXXX XXXXXXXXXXX XXXX XXXXXXXXXXXX XXXXXXXX.XXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7990055 | N/A | N/A |
| XXXX | 23579560 | XXXX | XXXX | Closed | 2026-03-09 06:17 | 2026-03-16 08:58 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Resolved-Anti-Steering Disclosure uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX <br> Open-Broker fee is marked as paid by lender, this requires an Anti-Steering Disclosure, but indicator is not selected as Present. Review this requirement. Anti steering is required - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX | Resolved-Anti-Steering Disclosure uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX | XXXXXXXXXX XXXXXXXXXXX XXXXXXXX_XXXX_XXXXXXXX_XXXX-XXXXXXXX-XXXXXXX.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7992369 | N/A | N/A |
| XXXX | 23579560 | XXXX | XXXX | Closed | 2026-03-09 02:45 | 2026-03-10 00:50 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Note | Resolved-Note for Senior Lien uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX <br> Open-Previous note is missing - Unable to verify details as Rate of interest, P&I etc. to update on Title page - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX | Resolved-Note for Senior Lien uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX | XXXXXXXXXX XXXXXXXXXXX XXX XXXX.XXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7989947 | N/A | N/A |
| XXXX | 23579560 | XXXX | XXXX | Closed | 2026-03-09 03:16 | 2026-03-16 09:00 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the California HPML threshold of (X.X%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.X%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) Reopened with Mavent run - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXX, and the Final Closing disclosure on Pg#-XX, Finding reflects escrows. Rate lock date was entered correctly – see Pg# An interior and exterior appraisal was completed for this property – see pg#XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XX, and confirmation the appraisal was delivered to the borrower – see Pg#XX. - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the California HPML threshold of (X.X%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.X%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) Reopened with Mavent run - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXX, and the Final Closing disclosure on Pg#-XX, Finding reflects escrows. Rate lock date was entered correctly – see Pg# An interior and exterior appraisal was completed for this property – see pg#XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XX, and confirmation the appraisal was delivered to the borrower – see Pg#XX. - Due Diligence Vendor-XX/XX/XXXX |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7990064 | N/A | N/A |
| XXXX | 23579560 | XXXX | XXXX | Closed | 2026-03-09 03:16 | 2026-03-16 09:00 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.X%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.X%).(XX CFR XXXX.XX(a)(X)(iii)) Reopened with Mavent run - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXX, and the Final Closing disclosure on Pg#-XX, Finding reflects escrows. Rate lock date was entered correctly – see Pg# An interior and exterior appraisal was completed for this property – see pg#XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XX, and confirmation the appraisal was delivered to the borrower – see Pg#XX. - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.X%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.X%).(XX CFR XXXX.XX(a)(X)(iii)) Reopened with Mavent run - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXX, and the Final Closing disclosure on Pg#-XX, Finding reflects escrows. Rate lock date was entered correctly – see Pg# An interior and exterior appraisal was completed for this property – see pg#XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XX, and confirmation the appraisal was delivered to the borrower – see Pg#XX. - Due Diligence Vendor-XX/XX/XXXX |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7990071 | N/A | N/A |
| XXXX | 23579560 | XXXX | XXXX | Closed | 2026-03-16 08:46 | 2026-03-16 09:00 | Resolved | 1 - Information A | Compliance | Mavent | Rescission: Variance | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br> Resolved- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved- - Due Diligence Vendor-XX/XX/XXXX |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 8126973 | N/A | N/A |
| XXXX | 21516060 | XXXX | XXXX | Closed | 2026-03-10 07:39 | 2026-03-17 04:59 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Borrower X Business Bank Statements Provided - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-The client has provided clarification and documentation to confirm the XXXXXX account values. Finding has been cleared. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. The income calculation program, XXXXXXX, reviews the values for each month as a whole. The November XXXX XXXXXX bank statements spanned into two months/set of statements; XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX/XX/XX/XXXX. As such, at first look, the values will not coincide until the figures for each month are calculated by the program. - Seller-XX/XX/XXXX <br> Open-Borrower X Business Bank Statements Missing The provided XXXXXX November XXXX statement does not coincide with the values listed on the income calculator's value of XXX,XXX.XX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. The income calculation program, XXXXXXX, reviews the values for each month as a whole. The November XXXX XXXXXX bank statements spanned into two months/set of statements; XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX/XX/XX/XXXX. As such, at first look, the values will not coincide until the figures for each month are calculated by the program. - Seller-XX/XX/XXXX | Resolved-Borrower X Business Bank Statements Provided - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-The client has provided clarification and documentation to confirm the XXXXXX account values. Finding has been cleared. - Due Diligence Vendor-XX/XX/XXXX | XXXXXXXXXX XXXXXXX XXXXXXXX XXX XXXXXXXX XXXXXXXXXX.XXX |  |  | NJ | Primary Residence | Refinance | Cash Out - Other | 8017951 | N/A | N/A |
| XXXX | 21516060 | XXXX | XXXX | Closed | 2026-03-09 06:26 | 2026-03-11 10:58 | Waived | 2 - Non-Material B | Compliance | Mavent | NJ Fee Not Allowed- Wire Transfer Fee (Fee ID: 171) | Waived- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Waived-The New Jersey Residential Mortgage Lending Act (N.J. Rev. Stat. XX:XXC-XX; N.J. ADC X:XX-X.X) does not allow Wire Transfer Fee (Fee ID: XXX) to be charged to the Borrower in NJ. Although this fee appears to violate the NJ Prohibited Fees Statute, it does not appear to have any liability to assignees nor is the validity or enforceability of the mortgage loan affected. - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX |  | Waived-The New Jersey Residential Mortgage Lending Act (N.J. Rev. Stat. XX:XXC-XX; N.J. ADC X:XX-X.X) does not allow Wire Transfer Fee (Fee ID: XXX) to be charged to the Borrower in NJ. Although this fee appears to violate the NJ Prohibited Fees Statute, it does not appear to have any liability to assignees nor is the validity or enforceability of the mortgage loan affected. - Due Diligence Vendor-XX/XX/XXXX |  |  |  | NJ | Primary Residence | Refinance | Cash Out - Other | 7993310 | Originator Pre-Close | Yes |
| XXXX | 21516060 | XXXX | XXXX | Closed | 2026-03-09 06:26 | 2026-03-11 10:58 | Waived | 2 - Non-Material B | Compliance | Mavent | NJ Fee Not Allowed- Tax Related Service Fee (Fee ID: 107) | Waived- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Waived-The New Jersey Residential Mortgage Lending Act (N.J. Rev. Stat. XX:XXC-XX; N.J. ADC X:XX-X.X) does not allow Tax Related Service Fee (Fee ID: XXX) to be charged to the Borrower in NJ. Although this fee appears to violate the NJ Prohibited Fees Statute, it does not appear to have any liability to assignees nor is the validity or enforceability of the mortgage loan affected. - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX |  | Waived-The New Jersey Residential Mortgage Lending Act (N.J. Rev. Stat. XX:XXC-XX; N.J. ADC X:XX-X.X) does not allow Tax Related Service Fee (Fee ID: XXX) to be charged to the Borrower in NJ. Although this fee appears to violate the NJ Prohibited Fees Statute, it does not appear to have any liability to assignees nor is the validity or enforceability of the mortgage loan affected. - Due Diligence Vendor-XX/XX/XXXX |  |  |  | NJ | Primary Residence | Refinance | Cash Out - Other | 7993309 | Originator Pre-Close | No |
| XXXX | 21516060 | XXXX | XXXX | Closed | 2026-03-09 06:26 | 2026-03-11 10:58 | Waived | 2 - Non-Material B | Compliance | Mavent | NJ Fee Not Allowed- Courier Fee (Fee ID: 143) | Waived- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Waived-The New Jersey Residential Mortgage Lending Act (N.J. Rev. Stat. XX:XXC-XX; N.J. ADC X:XX-X.X) does not allow Courier Fee (Fee ID: XXX) to be charged to the Borrower in NJ. Although this fee appears to violate the NJ Prohibited Fees Statute, it does not appear to have any liability to assignees nor is the validity or enforceability of the mortgage loan affected. - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX |  | Waived-The New Jersey Residential Mortgage Lending Act (N.J. Rev. Stat. XX:XXC-XX; N.J. ADC X:XX-X.X) does not allow Courier Fee (Fee ID: XXX) to be charged to the Borrower in NJ. Although this fee appears to violate the NJ Prohibited Fees Statute, it does not appear to have any liability to assignees nor is the validity or enforceability of the mortgage loan affected. - Due Diligence Vendor-XX/XX/XXXX |  |  |  | NJ | Primary Residence | Refinance | Cash Out - Other | 7993308 | Originator Pre-Close | No |
| XXXX | 21516060 | XXXX | XXXX | Closed | 2026-03-09 06:26 | 2026-03-11 10:58 | Waived | 2 - Non-Material B | Compliance | Mavent | NJ Fee Not Allowed- Flood Certification Fee (Fee ID: 102) | Waived- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Waived-The New Jersey Residential Mortgage Lending Act (N.J. Rev. Stat. XX:XXC-XX; N.J. ADC X:XX-X.X) does not allow Flood Certification Fee (Fee ID: XXX) to be charged to the Borrower in NJ. Although this fee appears to violate the NJ Prohibited Fees Statute, it does not appear to have any liability to assignees nor is the validity or enforceability of the mortgage loan affected. - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX |  | Waived- - Due Diligence Vendor-XX/XX/XXXX <br> Waived-The New Jersey Residential Mortgage Lending Act (N.J. Rev. Stat. XX:XXC-XX; N.J. ADC X:XX-X.X) does not allow Flood Certification Fee (Fee ID: XXX) to be charged to the Borrower in NJ. Although this fee appears to violate the NJ Prohibited Fees Statute, it does not appear to have any liability to assignees nor is the validity or enforceability of the mortgage loan affected. - Due Diligence Vendor-XX/XX/XXXX |  |  |  | NJ | Primary Residence | Refinance | Cash Out - Other | 7993306 | Originator Pre-Close | Yes |
| XXXX | 21516060 | XXXX | XXXX | Closed | 2026-03-09 06:26 | 2026-03-11 10:56 | Waived | 2 - Non-Material B | Compliance | Mavent | NJ Fee Not Allowed- Closing Protection Letter (Fee ID: 55) | Waived- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Waived-The New Jersey Residential Mortgage Lending Act (N.J. Rev. Stat. XX:XXC-XX; N.J. ADC X:XX-X.X) does not allow Closing Protection Letter (Fee ID: XX) to be charged to the Borrower in NJ. Although this fee appears to violate the NJ Prohibited Fees Statute, it does not appear to have any liability to assignees nor is the validity or enforceability of the mortgage loan affected. - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX |  | Waived-The New Jersey Residential Mortgage Lending Act (N.J. Rev. Stat. XX:XXC-XX; N.J. ADC X:XX-X.X) does not allow Closing Protection Letter (Fee ID: XX) to be charged to the Borrower in NJ. Although this fee appears to violate the NJ Prohibited Fees Statute, it does not appear to have any liability to assignees nor is the validity or enforceability of the mortgage loan affected. - Due Diligence Vendor-XX/XX/XXXX |  |  |  | NJ | Primary Residence | Refinance | Cash Out - Other | 7993305 | Originator Pre-Close | Yes |
| XXXX | 21516060 | XXXX | XXXX | Closed | 2026-03-09 06:26 | 2026-03-11 10:56 | Waived | 2 - Non-Material B | Compliance | Mavent | NJ Fee Not Allowed- Broker Fees (Fee ID: 99) | Waived-Reopened with XXXXXX run. Finding has been satisfied. - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Waived-The New Jersey Residential Mortgage Lending Act (N.J. Rev. Stat. XX:XXC-XX; N.J. ADC X:XX-X.X) does not allow Broker Fees (Fee ID: XX) to be charged to the Borrower in NJ. Although this fee appears to violate the NJ Prohibited Fees Statute, it does not appear to have any liability to assignees nor is the validity or enforceability of the mortgage loan affected. - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX |  | Waived-Reopened with XXXXXX run. Finding has been satisfied. - Due Diligence Vendor-XX/XX/XXXX <br> Waived-The New Jersey Residential Mortgage Lending Act (N.J. Rev. Stat. XX:XXC-XX; N.J. ADC X:XX-X.X) does not allow Broker Fees (Fee ID: XX) to be charged to the Borrower in NJ. Although this fee appears to violate the NJ Prohibited Fees Statute, it does not appear to have any liability to assignees nor is the validity or enforceability of the mortgage loan affected. - Due Diligence Vendor-XX/XX/XXXX |  |  |  | NJ | Primary Residence | Refinance | Cash Out - Other | 7993303 | Originator Pre-Close | No |
| XXXX | 21516060 | XXXX | XXXX | Closed | 2026-03-09 06:26 | 2026-03-11 10:55 | Resolved | 1 - Information A | Compliance | Mavent | AbilityToRepay: QMPointsAndFees | Resolved-Reopened with XXXXXX run. Finding has been satisfied. - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Rescinded-The loan fees ($X,XXX.XX) exceed the (XX) (Note Amount >=$XXX,XXX.XX) fee limit, which is X% of the Total Loan Amount ($X,XXX.XX), the difference is ($XXX.XX). (XX CFR XXXX.XX(e)(X). XXXXXX XX type has been updated as 'XXXXXXX XXXXXXXXX XXXXXXXX', hence condition has been added.<br> - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Reopened with XXXXXX run. Finding has been satisfied. - Due Diligence Vendor-XX/XX/XXXX <br> Rescinded-The loan fees ($X,XXX.XX) exceed the (XX) (Note Amount >=$XXX,XXX.XX) fee limit, which is X% of the Total Loan Amount ($X,XXX.XX), the difference is ($XXX.XX). (XX CFR XXXX.XX(e)(X). XXXXXX XX type has been updated as 'XXXXXXX XXXXXXXXX XXXXXXXX', hence condition has been added.<br> - Due Diligence Vendor-XX/XX/XXXX |  |  |  | NJ | Primary Residence | Refinance | Cash Out - Other | 7993307 | N/A | N/A |
| XXXX | 21516060 | XXXX | XXXX | Closed | 2026-03-09 06:26 | 2026-03-11 10:55 | Resolved | 1 - Information A | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (Junior Lien) | Resolved-Reopened with XXXXXX run. Finding has been satisfied. - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Rescinded-The loan's (XX.XXX%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (X.XX%), which is the comparable average prime offer rate of (X.XX%) plus X.X. The System used the following date to perform the APOR index lookup (XXXX-XX-XX). The system added X.X to the comparable APOR because the ($XXX,XXX.XX) note amount equals or exceeds ($XX,XXX.XX). The system used an interest rate of (XX.XXX%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (XX CFR XXXX.XX(e)(X)(vi)(E)) XXXXXX XX type has been updated as 'XXXXXXX XXXXXXXXX XXXXXXXX', hence condition has been added.<br> - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Reopened with XXXXXX run. Finding has been satisfied. - Due Diligence Vendor-XX/XX/XXXX <br> Rescinded-The loan's (XX.XXX%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (X.XX%), which is the comparable average prime offer rate of (X.XX%) plus X.X. The System used the following date to perform the APOR index lookup (XXXX-XX-XX). The system added X.X to the comparable APOR because the ($XXX,XXX.XX) note amount equals or exceeds ($XX,XXX.XX). The system used an interest rate of (XX.XXX%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (XX CFR XXXX.XX(e)(X)(vi)(E)) XXXXXX XX type has been updated as 'XXXXXXX XXXXXXXXX XXXXXXXX', hence condition has been added.<br> - Due Diligence Vendor-XX/XX/XXXX |  |  |  | NJ | Primary Residence | Refinance | Cash Out - Other | 7993304 | N/A | N/A |
| XXXX | 21516060 | XXXX | XXXX | Closed | 2026-03-09 06:50 | 2026-03-11 01:05 | Resolved | 1 - Information A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Please see attached. - XXXXXX-XX/XX/XXXX <br> Open-Homeownership counseling disclosure Is missing in file, as loan type is primary refinance we need Homeownership counseling disclosure. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached. - XXXXXX-XX/XX/XXXX | Resolved-Homeownership Counseling Disclosure uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | XXXXXXXXXX XXXXXXX XXXXXXXXXXXXX XXXXXXXXXX XXXXXXXXXX.XXX |  |  | NJ | Primary Residence | Refinance | Cash Out - Other | 7993766 | N/A | N/A |
| XXXX | 21516060 | XXXX | XXXX | Closed | 2026-03-09 05:55 | 2026-03-11 00:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Partial | Resolved-Insurance is Partial, as Dwelling does not covers first lien and present loan amount, We have RCE in Appraisal document, updated, which covers loan amount, changes made in system, Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Resolved-Hazard Insurance Policy is fully present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-The finding is invalid. The HOI is based on either Estimate of Cost-New per appraisal or the replacement cost (RCE) per the HOI provider. The appraisal indicates Estimate of Cost-New is $XXX,XXX and the hazard insurance dwelling coverage amount is $X,XXXXXXX, which exceeds the Estimate of Cost-New. - XXXXXX-XX/XX/XXXX <br> Open-Hazard Insurance Policy Partially Provided Subject property loan amount is $XXX,XXX, first lien unpaid principle balance is $XXX,XXX, total amount is $XXX,XXX but hazard insurance dwelling amount is $XXX,XXX, we need updated hazard policy to cover total amount of $XXX,XXX.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-The finding is invalid. The HOI is based on either Estimate of Cost-New per appraisal or the replacement cost (RCE) per the HOI provider. The appraisal indicates Estimate of Cost-New is $XXX,XXX and the hazard insurance dwelling coverage amount is $X,XXXXXXX, which exceeds the Estimate of Cost-New. - XXXXXX-XX/XX/XXXX | Resolved-Insurance is Partial, as Dwelling does not covers first lien and present loan amount, We have RCE in Appraisal document, updated, which covers loan amount, changes made in system, Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Resolved-Hazard Insurance Policy is fully present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  |  |  | NJ | Primary Residence | Refinance | Cash Out - Other | 7991782 | N/A | N/A |
| XXXX | 21516060 | XXXX | XXXX | Closed | 2026-03-09 06:26 | 2026-03-11 10:56 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-Reopened with Mavent run. Finding has been satisfied. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrow waiver , escrow waiver disclosures and loan information is on Pg#'s XXX, XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg# XX, XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets XXXX guidelines, resolved.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Reopened with Mavent run. Finding has been satisfied. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal XXXX threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in XXXXXXXXXX X. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. XXXX Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrow waiver , escrow waiver disclosures and loan information is on Pg#'s XXX, XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg# XX, XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX. The loan meets XXXX guidelines, resolved.<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  |  |  | NJ | Primary Residence | Refinance | Cash Out - Other | 7993311 | N/A | N/A |
| XXXX | 28922300 | XXXX | XXXX | Closed | 2026-03-10 04:59 | 2026-03-13 02:52 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Final Policy uploaded, Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified - Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Please see attached updated title policy. Please clear this finding. - XXXXXX-XX/XX/XXXX <br> Open-Title Coverage Amount of $XXXXXX is Less than Loan Amount The provided commitment coverage does not exceed the loan amount of $XXX,XXX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached updated title policy. Please clear this finding. - XXXXXX-XX/XX/XXXX | Resolved-Final Policy uploaded, Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s), Verified - Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Resolved-Title Coverage Amount of $XXXXXX is equal to or greater than Total Amount of Subject Lien(s) - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | XXXXX XXXXXXX XXXXXXXXXXXXX XXXXXX.XXX |  |  | NY | Investment | Refinance | Cash Out - Other | 8013616 | N/A | N/A |
| XXXX | 28922300 | XXXX | XXXX | Closed | 2026-03-10 05:58 | 2026-03-12 01:26 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of rate lock uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Resolved-Evidence of Rate Lock Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Please see attached Lock Confirmation Document. Please clear this finding. - XXXXXX-XX/XX/XXXX <br> Open-Evidence of Rate Lock Missing The rate lock or evidence of rate lock was missing from file. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached Lock Confirmation Document. Please clear this finding. - XXXXXX-XX/XX/XXXX | Resolved-Evidence of rate lock uploaded, Verified & entered in system - Resolved<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Resolved-Evidence of Rate Lock Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | XXXXX XXXXXXX XXXX XXXXXXXXXXXX XXXXXXXXX.XXX |  |  | NY | Investment | Refinance | Cash Out - Other | 8015744 | N/A | N/A |
| XXXX | 25159028 | XXXX | XXXX | Closed | 2026-03-10 00:37 | 2026-03-12 03:39 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Lender provided homeownership counseling disclosure. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Please see attached. - XXXXXX-XX/XX/XXXX <br> Open-Consumer Caution and Home Owner Counseling Notice is Missing XXXXX's Homeownership Counseling Organizations List disclosure is missing - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached. - XXXXXX-XX/XX/XXXX | Resolved-Lender provided homeownership counseling disclosure. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | XXXXXXXXXX XXXXX XXXXX XXXXXXXXXXXXX XXXXXXXXXX XXXXXXXXXX.XXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 8011857 | N/A | N/A |
| XXXX | 25159028 | XXXX | XXXX | Closed | 2026-03-10 00:37 | 2026-03-12 03:38 | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Resolved-Lender provided anti-steering disclosure. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Please see attached. - XXXXXX-XX/XX/XXXX <br> Open-Broker fee is marked as paid by lender, this requires an Anti-Steering Disclosure, but indicator is not selected as Present. Review this requirement. Missing Anti-Steering Disclosure. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached. - XXXXXX-XX/XX/XXXX | Resolved-Lender provided anti-steering disclosure. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | XXXXXXXXXX XXXXX XXXXX XX XXXXXXXXX XXXXX.XXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 8011859 | N/A | N/A |
| XXXX | 26063877 | XXXX | XXXX | Closed | 2026-03-11 02:36 | 2026-03-18 14:37 | Resolved | 1 - Information C A | Compliance | Fees:Limited | California - Maximum Payoff Demand Fee | Resolved-PCCD updated to file and cleared. - Due Diligence Vendor-XX/XX/XXXX <br> Resolved- - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. REBUTAL - Seller-XX/XX/XXXX <br> Open-The payoff demand fee ($XXX.XX) exceeds the California Civil Code limit of $XX. (Cal. Civ. Code XXXX(e)(X)) The payoff demand fee ($XXX.XX) exceeds the California Civil Code limit of $XX - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. REBUTAL - Seller-XX/XX/XXXX | Resolved-PCCD updated to file and cleared. - Due Diligence Vendor-XX/XX/XXXX | XXXXXXX.XXX<br> XX.XXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 8036232 | N/A | N/A |
| XXXX | 26063877 | XXXX | XXXX | Closed | 2026-03-12 07:46 | 2026-03-16 08:10 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing legal documents for senior or subordinate lien | Resolved-Primary lien documents have been reviewed. XXXXXXXX has been updated to reflect. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX <br> Open-The note from the primary lien transaction is missing from file - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX | Resolved-Primary lien documents have been reviewed. XXXXXXXX has been updated to reflect. - Due Diligence Vendor-XX/XX/XXXX | XXXXXXXXXX XXXXXXXXX Xst XXXX XXXX.XXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 8069277 | N/A | N/A |
| XXXX | 26063877 | XXXX | XXXX | Closed | 2026-03-11 02:36 | 2026-03-16 08:09 | Resolved | 1 - Information A | Compliance | AbilityToRepay:PriceBased | Federal - General Qualified Mortgage Price-Based Limit (Junior Lien) | Resolved-The loan's (XX.XXX%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (X.XX%), which is the comparable average prime offer rate of (X.XX%) plus X.X. The System used the following date to perform the APOR index lookup (XXXX-XX-XX). The system added X.X to the comparable APOR because the ($XXX,XXX.XX) note amount equals or exceeds ($XX,XXX.XX). The system used an interest rate of (XX.XXX%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (XX CFR XXXX.XX(e)(X)(vi)(E)) This QM fail is not applicable to this NonQM transaction. - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Rescinded-The loan's (XX.XXX%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (X.XX%), which is the comparable average prime offer rate of (X.XX%) plus X.X. The System used the following date to perform the APOR index lookup (XXXX-XX-XX). The system added X.X to the comparable APOR because the ($XXX,XXX.XX) note amount equals or exceeds ($XX,XXX.XX). The system used an interest rate of (XX.XXX%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (XX CFR XXXX.XX(e)(X)(vi)(E)) "The loan's (XX.XXX%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (X.XX%), which is the comparable average prime offer rate of (X.XX%) plus X.X. The System used the following date to perform the APOR index lookup (XXXX-XX-XX). The system added X.X to the comparable APOR because the ($XXX,XXX.XX) note amount equals or exceeds ($XX,XXX.XX). The system used an interest rate of (XX.XXX%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (XX CFR XXXX.XX(e)(X)(vi)(E))" - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan's (XX.XXX%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (X.XX%), which is the comparable average prime offer rate of (X.XX%) plus X.X. The System used the following date to perform the APOR index lookup (XXXX-XX-XX). The system added X.X to the comparable APOR because the ($XXX,XXX.XX) note amount equals or exceeds ($XX,XXX.XX). The system used an interest rate of (XX.XXX%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (XX CFR XXXX.XX(e)(X)(vi)(E)) This QM fail is not applicable to this NonQM transaction. - Due Diligence Vendor-XX/XX/XXXX <br> Rescinded-The loan's (XX.XXX%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (X.XX%), which is the comparable average prime offer rate of (X.XX%) plus X.X. The System used the following date to perform the APOR index lookup (XXXX-XX-XX). The system added X.X to the comparable APOR because the ($XXX,XXX.XX) note amount equals or exceeds ($XX,XXX.XX). The system used an interest rate of (XX.XXX%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (XX CFR XXXX.XX(e)(X)(vi)(E)) "The loan's (XX.XXX%) APR equals or exceeds the General Qualified Mortgage Loan Price-Based threshold of (X.XX%), which is the comparable average prime offer rate of (X.XX%) plus X.X. The System used the following date to perform the APOR index lookup (XXXX-XX-XX). The system added X.X to the comparable APOR because the ($XXX,XXX.XX) note amount equals or exceeds ($XX,XXX.XX). The system used an interest rate of (XX.XXX%) in the APR calculation. If the interest rate may change within the first five years after the first regular periodic payment, the system uses the highest interest rate that may apply during that five-year period as the interest rate for the full term of the loan. (XX CFR XXXX.XX(e)(X)(vi)(E))" - Due Diligence Vendor-XX/XX/XXXX |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 8036231 | N/A | N/A |
| XXXX | 26063877 | XXXX | XXXX | Closed | 2026-03-16 07:46 | 2026-03-16 08:03 | Resolved | A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX |  |  |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 8125079 | N/A | N/A |
| XXXX | 26063877 | XXXX | XXXX | Closed | 2026-03-11 02:35 | 2026-03-16 07:31 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. please see attached - Seller-XX/XX/XXXX <br> Open-Consumer Caution and Home Owner Counseling Notice is Missing RESPA's Homeownership Counseling Organizations List disclosure is missing from file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. please see attached - Seller-XX/XX/XXXX | Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX | XXXXXXXXXX XXXXXXXXX Home-Ownership Counseling Acknowledgment.XXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 8036220 | N/A | N/A |
| XXXX | 26063877 | XXXX | XXXX | Closed | 2026-03-11 02:35 | 2026-03-16 07:31 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence of rate lock | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-Evidence of rate lock uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX <br> Open-Evidence of Rate Lock Missing Lock document is missing from file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Please see attached - Seller-XX/XX/XXXX | Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-Evidence of rate lock uploaded, Verified & entered in system - Resolved<br> - Due Diligence Vendor-XX/XX/XXXX | XXXXXXXXXX XXXXXXXXX Lock Confirmation Document.XXX |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 8036221 | N/A | N/A |
| XXXX | 26063877 | XXXX | XXXX | Closed | 2026-03-11 02:36 | 2026-03-16 08:09 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | California - Higher Priced Mortgage Loan (Junior Lien 06/2013) | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) Reopened with Mavent run. All Mavent checks have been passed. - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXX, and the Final Closing disclosure on Pg#XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg# An interior and exterior appraisal was completed for this property – see pg#XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXX, and confirmation the appraisal was delivered to the borrower – see Pg#XXX. - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) Reopened with Mavent run. All Mavent checks have been passed. - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (XX.XXX%) equals or exceeds the California HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%).(Cal. Fin. Code XXXX(a); XX CFR XXXX.XX(a)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXX, and the Final Closing disclosure on Pg#XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg# An interior and exterior appraisal was completed for this property – see pg#XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXX, and confirmation the appraisal was delivered to the borrower – see Pg#XXX. - Due Diligence Vendor-XX/XX/XXXX |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 8036234 | N/A | N/A |
| XXXX | 26063877 | XXXX | XXXX | Closed | 2026-03-11 02:36 | 2026-03-16 08:09 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(Junior Lien 06/13) | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) Reopened with Mavent run. All Mavent checks have been passed. - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXX, and the Final Closing disclosure on Pg#XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg# An interior and exterior appraisal was completed for this property – see pg#XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXX, and confirmation the appraisal was delivered to the borrower – see Pg#XXX. - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) Reopened with Mavent run. All Mavent checks have been passed. - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-The loan's (XX.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(iii)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#XXX, and the Final Closing disclosure on Pg#XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg# An interior and exterior appraisal was completed for this property – see pg#XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#XXX, and confirmation the appraisal was delivered to the borrower – see Pg#XXX. - Due Diligence Vendor-XX/XX/XXXX |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 8036235 | N/A | N/A |
| XXXX | 26063877 | XXXX | XXXX | Closed | 2026-03-16 07:46 | 2026-03-16 08:09 | Resolved | 1 - Information A | Compliance | Mavent | Tolerance: Disclosure | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br> Resolved- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved- - Due Diligence Vendor-XX/XX/XXXX |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 8125078 | N/A | N/A |
| XXXX | 28452391 | XXXX | XXXX | Closed | 2026-03-13 05:19 | 2026-03-18 07:24 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of X.XX month(s) are greater than or equal to XXXXXXXX Required Reserves of X month(s) - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Rescinded-Xnd lien loan no minimum reserves required. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Audited Reserves of X.XX month(s) are greater than or equal to XXXXXXXX Required Reserves of X month(s) - Due Diligence Vendor-XX/XX/XXXX <br> Rescinded-Xnd lien loan no minimum reserves required. - Due Diligence Vendor-XX/XX/XXXX |  |  |  | VA | Investment | Refinance | Cash Out - Other | 8091295 | N/A | N/A |
| XXXX | 28452391 | XXXX | XXXX | Closed | 2026-03-16 12:19 | 2026-03-18 07:22 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved- - Due Diligence Vendor-XX/XX/XXXX <br> Open- - Due Diligence Vendor-XX/XX/XXXX <br> Rescinded-Finding open for missing credit report - Due Diligence Vendor-XX/XX/XXXX |  | Rescinded-Finding open for missing credit report - Due Diligence Vendor-XX/XX/XXXX |  |  |  | VA | Investment | Refinance | Cash Out - Other | 8133614 | N/A | N/A |
| XXXX | 28452391 | XXXX | XXXX | Closed | 2026-03-13 04:06 | 2026-03-18 07:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Requested Credit report for BX provided, updated & condition resolved.<br> - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-Borrower X Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-Borrower X Credit Report is Missing. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Resolved-Requested Credit report for BX provided, updated & condition resolved.<br> - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-Borrower X Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX | XX & XX XXXXXX XXXXXX.XXX |  |  | VA | Investment | Refinance | Cash Out - Other | 8088904 | N/A | N/A |
| XXXX | 28452391 | XXXX | XXXX | Closed | 2026-03-13 04:06 | 2026-03-18 07:21 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Resolved-Requested Credit report for BX provided, updated & condition resolved.<br> - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-Borrower X Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-Borrower X Credit Report is Missing. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Resolved-Requested Credit report for BX provided, updated & condition resolved.<br> - Due Diligence Vendor-XX/XX/XXXX <br> Resolved-Borrower X Credit Report is not missing. - Due Diligence Vendor-XX/XX/XXXX | XX & XX XXXXXX XXXXXX.XXX |  |  | VA | Investment | Refinance | Cash Out - Other | 8088905 | N/A | N/A |
| XXXX | 28452391 | XXXX | XXXX | Closed | 2026-03-13 05:14 | 2026-03-18 07:20 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Final Settlement statement provided - Due Diligence Vendor-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-TRID: Missing Final Closing Disclosure Missing Final Closing Disclosure/ HUD from loan file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Resolved-Final Settlement statement provided - Due Diligence Vendor-XX/XX/XXXX | XXXXX XX.XXX |  |  | VA | Investment | Refinance | Cash Out - Other | 8091229 | N/A | N/A |
| XXXX | 28499708 | XXXX | XXXX | Closed | 2026-03-20 07:24 | 2026-03-23 05:48 | Resolved | 1 - Information C A | Credit | Credit | Hazard insurance coverage amount is insufficient. | Resolved-Provided replacement cost documentation. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br> Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br> Open-The loan balances total $XXX,XXX.XX. The hazard policy only shows $XXX,XXX worth of coverage. There is nothing stated in the policy about replacement cost nor is there other documentation in the file reflecting replacement cost. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Resolved-Provided replacement cost documentation. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | XXXXXX XXXXXXXXX XXXXXXXXXXX XXXX XXXXXXXX (X).XXX |  |  | FL | Investment | Refinance | Cash Out - Other | 8234657 | N/A | N/A |

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## Exhibit 99.6

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.6 - Schedule 3**

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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 23905554 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 33.8 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 26116765 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 28.52 | 68.02 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 26247660 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 27.99 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 25708156 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 35.24 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 22899937 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 42.42 | 79.91 | XXXX | XXXX | .0000 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 25932822 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 32.36 | 79.97 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 28342088 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 10.96 | 69.72 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 26608984 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 32.76 | 74.88 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| 24431604 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 12.9 | 54.04 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| 26488988 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 11.18 | 70.0 | XXXX | XXXX | -.0392 | Desk Review |  |  |  |  | XXXX | XXXX | .0196 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0392 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 22528278 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 27.76 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 25259773 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 26.62 | 68.01 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 22959337 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 21.03 | 79.76 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 27348557 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 33.08 | 67.96 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 24654283 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 32.0 | 71.31 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| 20812097 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 18.87 | 79.16 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 25609447 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 18.94 | 65.0 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 24703235 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 22.22 | 75.0 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 23480148 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 46.52 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| 29270442 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 16.0 | 79.67 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 22251419 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 18.38 | 57.47 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| 29592295 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 13.51 | 54.52 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 24366826 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 30.38 | 75.96 | XXXX | XXXX | .0000 | Other |  |  |  |  |  |  |  |  |  |  |  |  | 97.0 | 0.03 | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | .0000 | XXXX |  |  |  |  |  |  |  |  |  | XXXX |
| 27486858 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 17.24 | 68.01 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 | XXXX |
| 26621112 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 20.83 | 68.44 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 25245281 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 31.11 | 79.66 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 22823904 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 8.94 | 72.51 | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | .0137 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 28200143 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 13.9 | 65.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 29519628 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 13.74 | 77.5 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 91.0 | 0.09 | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 20584742 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 21.13 | 63.52 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 92.0 | 0.08 | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 25265776 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 35.2 | 68.05 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 26416244 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 14.04 | 64.99 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 27793140 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 31.6 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX |
| 24680970 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 10.64 | 74.47 | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | .0426 | XXXX | 1025 Small Residential Income Report |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 22408590 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 10.86 | 66.0 | XXXX | XXXX | .0738 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0738 | 93.0 | 0.07 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 20465323 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 35.42 | 69.93 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 25090294 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 23.2 | 69.9 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| 23681074 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 28.75 | 76.8 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 25264862 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 15.14 | 79.31 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 24653191 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 15.0 | 75.39 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| 22758607 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 10.0 | 70.0 | XXXX | XXXX | .0200 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX | .0200 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 29562563 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 11.03 | 69.68 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 21997749 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 25.27 | 74.57 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 25842759 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 9.38 | 69.38 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 25563759 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 14.04 | 24.79 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 93.0 | 0.07 | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 21137572 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 25.68 | 69.96 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 29702124 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 16.85 | 50.84 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 28341802 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 35.4 | 79.46 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX |
| 28763405 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 20.27 | 64.42 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| 28177485 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 19.23 | 79.43 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 25987521 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 15.62 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 25543916 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 24.31 | 74.64 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 21999149 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 32.02 | 64.02 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 28343512 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 27.47 | 65.08 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 27232788 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 42.23 | 74.7 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 95.0 | 0.05 | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 23704296 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 23.81 | 67.6 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 25443348 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 20.7 | 69.95 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 20604242 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 29.91 | 61.31 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 22400768 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 10.5 | 53.68 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 29106117 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 30.91 | 54.26 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 21266787 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 14.02 | 74.59 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 26824949 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 19.72 | 84.84 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| 21677974 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 23.66 | 58.8 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| 26538251 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 37.04 | 78.76 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX Eligible | 1 | XXXX |
| 20337964 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 35.0 | 66.85 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 21461198 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 22.36 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 28081273 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 27.46 | 69.92 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 25380271 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 29.57 | 69.92 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 23280556 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 13.22 | 78.4 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| 21543456 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 27.76 | 69.42 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 21175932 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 26.62 | 59.03 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 26591954 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 20.61 | 74.01 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 94.0 | 0.06 | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 26313423 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 29.41 | 67.09 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| 24733228 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 28.36 | 72.55 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 21625753 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 20.5 | 74.68 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 24530489 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 13.79 | 58.48 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| 20395610 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 18.98 | 63.42 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 26176204 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 16.65 | 58.41 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| 25557703 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 23.86 | 69.72 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | XXXX |
| 26241271 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 10.13 | 85.0 | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 27539251 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 28.06 | 61.49 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 27604005 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 17.3 | 79.92 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XXXX |
| 23545716 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 14.8 | 57.01 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 26813994 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 5.39 | 36.07 | XXXX | XXXX | .0000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  | 95.0 | 0.05 | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 25156842 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 33.33 | 74.56 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| 28883534 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 29.07 | 79.86 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 25833296 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 14.39 | 74.78 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 25920915 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 40.87 | 69.75 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 26268934 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 24.42 | 58.87 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX |
| 23294859 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 11.76 | 51.18 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| 23974182 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 33.16 | 69.74 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 23200860 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 22.2 | 74.98 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX Eligible |  | XXXX |
| 24812786 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 32.61 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible | 1 | XXXX |
| 22887308 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 20.69 | 50.5 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 21730607 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 10.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 24863153 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 33.52 | 66.2 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible | 1 | XXXX |
| 28766408 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 21.22 | 78.48 | XXXX | XXXX | -.0289 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0289 | 90.0 | 0.1 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 20146917 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 46.02 | 79.71 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 29478507 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 23.5 | 79.98 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 29041101 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 18.02 | 61.99 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | XXXX |
| 23298804 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 22.38 | 72.38 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 29260623 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 26.65 | 84.63 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 23702896 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 7.89 | 56.41 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX Eligible |  | XXXX |
| 21665183 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 26.56 | 51.41 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 22964342 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 26.6 | 74.86 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| 27558101 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 15.47 | 70.51 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 94.0 | 0.06 | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 26352043 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 47.55 | 79.94 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| 22273910 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 18.75 | 76.76 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 25482920 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 19.63 | 87.44 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX |
| 27498562 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 22.73 | 69.99 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| 26033975 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 18.99 | 68.45 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 26083033 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 30.71 | 74.62 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX |
| 25825140 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 20.9 | 67.2 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 25723099 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 30.69 | 56.19 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 24401604 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 25.4 | 48.85 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX Eligible | 1 | XXXX |
| 21301124 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 28.91 | 77.65 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 24648941 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 14.49 | 56.17 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| 29699110 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 25.25 | 56.4 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 22560271 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 48.93 | 69.97 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX |
| 29619574 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 23.1 | 74.92 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 | XXXX |
| 20919250 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 26.47 | 79.88 | XXXX | XXXX | .0000 | Broker Price Opinion (BPO) |  |  |  |  |  |  |  |  |  |  |  |  | 95.0 | 0.05 | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 25479769 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 30.91 | 74.71 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 21238241 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 30.36 | 52.38 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XXXX |
| 20557849 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 26.62 | 79.85 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 22881707 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 6.3 | 50.86 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 1 | XXXX Eligible | 1 | XXXX |
| 29334746 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 15.17 | 72.47 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 28567505 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 15.27 | 33.22 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 95.0 | 0.05 | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | XXXX | .0000 | XXXX |  |  |  |  |  |  |  |  |  | XXXX |
| 25017032 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 39.37 | 71.81 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XXXX |
| 25478495 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 4.93 | 42.61 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 27276992 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 23.53 | 64.91 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 25901761 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 25.86 | 64.04 | XXXX | XXXX | .0000 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 22932431 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 40.11 | 61.45 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| 29500616 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 40.9 | 79.99 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 25001350 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 13.63 | 35.2 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 25364527 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 36.16 | 79.64 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 23238787 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 4.97 | 11.31 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 21592461 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 19.8 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| 23544890 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 31.8 | 79.99 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 20594378 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 24.37 | 65.88 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 22347749 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 6.6 | 77.36 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 22288612 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 28.19 | 59.86 | XXXX | XXXX |  |  | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XXXX |
| 27362280 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 14.12 | 49.6 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX Eligible | 1 | XXXX |
| 27995440 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 5.87 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 20806782 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 17.22 | 73.96 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 22998361 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 23.84 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 25963168 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 22.03 | 63.57 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 28254073 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 13.62 | 64.88 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 94.0 | 0.06 | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 21681707 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 11.76 | 46.59 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 26562953 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 14.27 | 74.97 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 22289538 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 27.17 | 49.92 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 23551171 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 5.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 21206945 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 13.64 | 77.22 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 21002953 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 28.85 | 57.66 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 24733367 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 14.89 | 54.88 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XXXX |
| 21471326 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 23.44 | 68.93 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | XXXX |
| 29057645 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 28.92 | 74.88 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 20116649 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 11.18 | 70.0 | XXXX | XXXX | .0706 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0706 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 25966816 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 26.53 | 66.52 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 28291186 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 14.69 | 78.05 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXX |
| 29637044 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 26.45 | 69.81 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 23674873 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 13.86 | 55.5 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 94.0 | 0.06 | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 22941776 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 25.23 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX Eligible |  | XXXX |
| 26061229 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 21.23 | 79.99 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XXXX |
| 26760338 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 20.0 | 52.28 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 27202670 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 15.15 | 56.61 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 23911596 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 24.5 | 77.82 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 94.0 | 0.06 | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 29657121 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | AVM | XXXX | XXXX | XXXX | XXXX | 33.48 | 66.39 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 90.0 | 0.1 | XXXX | XXXX |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 27150162 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 33.0 | 64.98 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XXXX |
| 24436060 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | XXXX | XXXX | XXXX | 12.0 | 69.83 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 26868258 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 16.61 | 72.31 | XXXX | XXXX | -.0780 | AVM |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0780 | 95.0 | 0.05 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 23070354 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 29.2 | 68.69 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 23033650 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 6.67 | 36.11 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | XXXX |
| 24759178 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 17.71 | 73.88 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 28286639 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 12.38 | 45.39 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 23579560 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 26.09 | 69.47 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| 21516060 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 33.41 | 79.15 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| 28922300 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 15.02 | 75.0 | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 25159028 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 5.79 | 39.07 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 29794174 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 27.58 | 69.87 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXX |
| 26063877 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 43.06 | 79.9 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| 28452391 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 30.43 | 70.43 | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 25648019 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 35.9 | 72.06 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | XXXX |
| 28023308 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 7.65 | 27.7 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 28499708 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 24.8 | 74.75 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |

---

## Exhibit 99.6

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.6 - Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Default Interest Rate** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Co Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Borrower Award/Offer Letter** | **Co Borrower Award/Offer Letter** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower WVOE Flag** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower WVOE Flag** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Subordinate Lien 2 Type** | **Subordinate Lien 2 Max Draw Amount (HELOC)** | **Subordinate Lien 3 Type** | **Subordinate Lien 3 Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** | **Borrower 1 Trust Name** | **Borrower 2 Trust Name** | **Borrower 3 Trust Name** | **Borrower 4 Trust Name** |
| 23905554 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 08/26/2025 | 6.630% | Manual Underwriting | Manual Underwriting | No | 10.050% |  | 9.750% | 9.750% | $5357.69 | No |  | $16103.64 | $1341.97 | $5875.32 | $489.61 | $0.00 | $0.00 | $3568.69 | $10757.96 | $86117.13 | N/A | XXXX |  | $0.00 | XXXX |  | 33.32% | 33.18% | 33.18% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - 2024, 2025 | Borrower - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 702 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | I-551 Permanent Resident Card | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 357528.85 | 33.2 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 26116765 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 10/13/2025 | 6.290% | Manual Underwriting | Manual Underwriting | No | 8.582% |  | 8.500% | 8.500% | $2229.85 | No |  | $9786.12 | $815.51 | $1465.20 | $122.10 | $14172.00 | $1181.00 | $1908.51 | $6256.97 | $16925.03 | Yes | XXXX | FL | $1181.00 | XXXX | Monthly | 42.86% | 39.38% | 39.38% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 725 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 42423.58 | 6.8 | No | 68.02 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 26247660 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 10/08/2025 | 6.310% | Manual Underwriting | Manual Underwriting | No | 11.395% |  | 10.625% | 10.625% | $3233.00 | No |  | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3992.52 | $7225.52 | $46660.48 | N/A | XXXX |  | $0.00 | XXXX |  | 28.50% | 29.49% | 29.49% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 685 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 104040.92 | 14.4 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 25708156 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 17605.25 | 10/30/2025 | 6.160% | Manual Underwriting | Manual Underwriting | No | 9.743% |  | 9.625% | 9.625% | $5991.58 | No |  | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $6073.36 | $12064.94 | $43832.67 | N/A | XXXX |  | $0.00 | XXXX |  | 30.04% | 30.04% | 30.04% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 78.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 720 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 525880.33 | 43.6 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 22899937 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 19310 | 10/27/2025 | 6.160% | Manual Underwriting | Manual Underwriting | No | 10.147% |  | 9.750% | 9.750% | $5721.97 | No |  | $9479.76 | $789.98 | $1454.04 | $121.17 | $0.00 | $0.00 | $3328.60 | $9961.72 | $22870.87 | N/A | XXXX |  | $0.00 | XXXX |  | 36.76% | 41.78% | 41.78% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 749 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 444217.06 | 44.6 | No | 79.91 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 25932822 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 12992.2 | 10/16/2025 | 6.290% | Manual Underwriting | Manual Underwriting | No | 8.607% |  | 8.375% | 8.375% | $2705.86 | No |  | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3588.08 | $6293.94 | $18489.28 | N/A | XXXX |  | $0.00 | XXXX |  | 26.33% | 26.33% | 26.33% | No | No |  |  |  |  |  |  | Not Employed | Employed |  |  |  |  | 2YR Full Doc | 0 | 2 YRS W2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | Yes | 0 | 0 | 0.00% |  | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 12 | 12 | Other | No | 0 |  |  | Borrower \|\| Co Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 786 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 86751.46 | 13.8 | 86751.46 | 13.8 | No | 79.97 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  |
| 28342088 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 9.500% | 9.500% | $1151.97 | No |  | $0.00 | $0.00 | $0.00 | $0.00 | $1428.00 | $119.00 | $3736.63 | $5007.60 | $18902.72 | N/A | XXXX | CA | $119.00 | XXXX | Monthly | 39.40% | 38.80% | 38.80% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 24 | CPA |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - YTD Profit And Loss Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 777 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 129743.02 | 25.9 | No | 69.72 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 26608984 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.625% | 8.625% | $1911.03 | No |  | $7105.68 | $592.14 | $1038.00 | $86.50 | $0.00 | $0.00 | $1420.46 | $4010.13 | $4369.99 | N/A | XXXX |  | $0.00 | XXXX |  | 44.34% | 44.37% | 44.37% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 YR W2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 1 YR W2 Verified, 1 Month Paystubs Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | Borrower - 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 750 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 235361.17 | 58.7 | No | 74.88 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 24431604 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 15235 | 11/05/2025 | 6.170% | Manual Underwriting | Manual Underwriting | No | 9.785% |  | 9.500% | 9.500% | $3363.42 | No |  | $8904.36 | $742.03 | $3378.12 | $281.51 | $0.00 | $0.00 | $5776.61 | $10362.15 | $26343.85 | N/A | XXXX |  | $0.00 | XXXX |  | 35.47% | 33.76% | 33.76% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 50.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - [] | Borrower - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - [] | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 701 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Other | USA PATRIOT | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 341849.74 | 33 | No | 54.04 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  |
| 26488988 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 9.875% | 9.875% | $4949.59 | Yes | 35.000% | $0.00 | $0.00 | $0.00 | $0.00 | $0.12 | $0.01 | $22447.69 | $27397.29 |  | N/A | XXXX | FL | $0.01 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.022 | 1.024 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 733 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 541031.59 | 19.8 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 22528278 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 9.500% | 9.500% | $1762.60 | No |  | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2565.40 | $4328.00 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.349 | 1.349 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 751 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 201779.67 | 46.6 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 25259773 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 4062.75 | 11/21/2025 | 5.890% | Manual Underwriting | Manual Underwriting | No | 8.980% |  | 8.500% | 8.500% | $1605.47 | No |  | $3444.72 | $287.06 | $1947.00 | $162.25 | $0.00 | $0.00 | $1392.08 | $3446.86 | $3453.47 | N/A | XXXX |  | $0.00 | XXXX |  | 49.95% | 49.95% | 49.95% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 YRS W2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 360 | 34 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 718 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7 | XXXX | XXXX | 1 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | .00 | 0 | No | 68.01 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 22959337 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 7473.45 | 11/28/2025 | 6.260% | Manual Underwriting | Manual Underwriting | No | 12.120% |  | 11.500% | 11.500% | $2332.93 | No |  | $10098.24 | $841.52 | $2897.52 | $241.46 | $0.00 | $0.00 | $3209.62 | $6625.53 | $14777.31 | N/A | XXXX |  | $0.00 | XXXX |  | 48.18% | 43.26% | 43.26% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 12 | 12 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - Written VOE Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 705 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 223959.31 | 33.8 | No | 79.76 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 27348557 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 9.125% | 9.125% | $4979.43 | No |  | $10065.24 | $838.77 | $2463.72 | $205.31 | $0.00 | $0.00 | $2923.01 | $8946.52 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.089 | 1.089 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 759 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 601098.00 | 67.2 | No | 67.96 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 24654283 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 10745 | 12/01/2025 | 6.190% | Manual Underwriting | Manual Underwriting | No | 8.483% |  | 8.375% | 8.375% | $3040.29 | No |  | $10766.64 | $897.22 | $1779.00 | $148.25 | $1476.00 | $123.00 | $2335.14 | $6543.90 | $34854.19 | N/A | XXXX | CA | $123.00 | XXXX | Monthly | 32.91% | 33.13% | 33.13% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 785 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 188917.70 | 28.9 | No | 71.31 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 20812097 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 10.375% | 10.375% | $905.41 | No |  | $0.00 | $0.00 | $0.00 | $0.00 | $1224.00 | $102.00 | $2206.00 | $3213.41 |  | N/A | XXXX | VA | $102.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.027 | 1.027 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | VA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 724 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 93260.53 | 29 | No | 79.16 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 25609447 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 13699.69 | 11/19/2025 | 6.230% | Manual Underwriting | Manual Underwriting | No | 8.072% |  | 8.000% | 8.000% | $5420.69 | No |  | $9462.24 | $788.52 | $10311.00 | $859.25 | $0.00 | $0.00 | $8263.44 | $15331.90 | $44474.98 | N/A | XXXX |  | $0.00 | XXXX |  | 48.11% | 48.11% | 48.11% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 1 | 2 |  |  | 1 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Borrower Prepared | 12 | Borrower |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), YTD Profit And Loss Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2022","2023","2024"] - 2022, 2023, 2024 | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2022","2023","2024"] - 2022, 2023, 2024 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 751 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 44760.83 | 2.9 | No | 65 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 24703235 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.875% | 8.875% | $848.67 | No |  | $6832.44 | $569.37 | $4028.04 | $335.67 | $0.00 | $0.00 | $1132.86 | $2886.57 | $13449.23 | N/A | XXXX |  | $0.00 | XXXX |  | 40.51% | 42.22% | 42.22% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 1 | 1 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120, 1120S, K1), 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120, 1120S, K1), 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 700 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 98433.83 | 34.1 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 23480148 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 22607.24 | 11/21/2025 | 6.230% | Manual Underwriting | Manual Underwriting | No | 9.100% |  | 8.875% | 8.875% | $4996.65 | No |  | $9534.24 | $794.52 | $984.96 | $82.08 | $0.00 | $0.00 | $2041.21 | $7914.46 | $177374.56 | N/A | XXXX |  | $0.00 | XXXX |  | 21.83% | 21.82% | 21.82% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 796 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 214405.75 | 27.1 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 29270442 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 13704.72 | 11/28/2025 | 6.260% | Manual Underwriting | Manual Underwriting | No | 11.219% |  | 10.875% | 10.875% | $2715.52 | No |  | $19200.24 | $1600.02 | $8262.48 | $688.54 | $249.96 | $20.83 | $6898.85 | $11923.76 | $52660.18 | N/A | XXXX | CA | $20.83 | XXXX | Annually | 24.91% | 24.71% | 24.71% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 700 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 278592.32 | 23.4 | No | 79.67 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 22251419 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 5995 | 11/21/2025 | 6.230% | Manual Underwriting | Manual Underwriting | No | 8.841% |  | 8.625% | 8.625% | $3888.95 | No |  | $20595.72 | $1716.31 | $3810.00 | $317.50 | $0.00 | $0.00 | $4916.48 | $10839.24 | $42857.74 | N/A | XXXX |  | $0.00 | XXXX |  | 21.03% | 33.07% | 33.07% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 706 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 127041.50 | 11.7 | No | 57.47 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 29592295 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 3057.5 | 12/03/2025 | 5.910% | Manual Underwriting | Manual Underwriting | No | 9.103% |  | 8.250% | 8.250% | $639.05 | No |  | $6830.88 | $569.24 | $2090.04 | $174.17 | $1800.00 | $150.00 | $1127.96 | $2660.42 | $3311.66 | N/A | XXXX | FL | $150.00 | XXXX | Monthly | 49.54% | 44.55% | 44.55% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | 1YR Full Doc | 2 YRS 1099 |  | NA |  | N/A | 0 |  |  | 1 | 0 |  |  | 2 | 1 | Yes |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Retirement, SSI and Disability - 1 YR Personal Tax Returns Verified, 2 YRS 1099 Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Award Letter Verified - ["2024","2025"] - 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 703 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7 | XXXX | XXXX | 1 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 17649.93 | 6.6 | No | 54.52 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 24366826 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 9.750% | 9.750% | $3007.04 | No |  | $7434.48 | $619.54 | $2376.00 | $198.00 | $0.00 | $0.00 | $4759.94 | $8584.52 | $71631.04 | N/A | XXXX |  | $0.00 | XXXX |  | 38.47% | 36.20% | 36.20% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 761 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 341801.14 | 39.8 | No | 75.96 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 27486858 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 11/20/2025 | 6.230% | Manual Underwriting | Manual Underwriting | No | 8.688% |  | 8.500% | 8.500% | $3844.57 | No |  | $10866.72 | $905.56 | $3289.08 | $274.09 | $0.00 | $0.00 | $7224.42 | $12248.64 | $75320.15 | N/A | XXXX |  | $0.00 | XXXX |  | 20.00% | 19.34% | 19.34% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 761 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 489907.60 | 40 | No | 68.01 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 26621112 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 888 | 11/19/2025 | 6.230% | Manual Underwriting | Manual Underwriting | No | 8.895% |  | 8.750% | 8.750% | $1573.40 | No |  | $5714.04 | $476.17 | $1107.96 | $92.33 | $0.00 | $0.00 | $2176.03 | $4317.93 | $5811.10 | N/A | XXXX |  | $0.00 | XXXX |  | 43.45% | 43.45% | 43.45% | No | No |  |  |  |  |  |  | Employed | Retired |  |  |  |  | 2YR Full Doc | 2 YRS W2 | 1 YR 1099 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 106 | 12 | Work Number | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Overtime, Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - SSI and Disability - 1 YR 1099 Verified, 2 YRS Executed 4506T Verified, Award Letter Verified - ["2025"] - 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2025"] - 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 726 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 149341.85 | 34.6 | No | 68.44 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  |
| 25245281 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 9.625% | 9.625% | $1784.98 | No |  | $3832.56 | $319.38 | $3672.96 | $306.08 | $816.00 | $68.00 | $4158.42 | $6636.86 | $53553.24 | N/A | XXXX | CO | $68.00 | XXXX | Annually | 25.52% | 14.32% | 14.32% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower | Borrower - Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower | XXXX | XXXX | CO | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 780 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 205997.06 | 31 | No | 79.66 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  |
| 22823904 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 9.250% | 9.250% | $6170.07 | Yes | 35.000% | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $47657.33 | $53827.40 | $97252.54 | N/A | XXXX |  | $0.00 | XXXX |  | 48.97% | 48.97% | 48.97% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 774 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | I-551 Permanent Resident Card | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 741613.87 | 13.8 | No | 72.51 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 28200143 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 10.875% | 10.875% | $2687.17 | No |  | $15891.48 | $1324.29 | $1943.40 | $161.95 | $0.00 | $0.00 | $7119.47 | $11292.88 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.189 | 1.174 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 683 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 271185.36 | 24 | No | 65 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 29519628 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 2062.5 | 12/08/2025 | 6.220% | Manual Underwriting | Manual Underwriting | No | 8.893% |  | 8.500% | 8.500% | $576.69 | No |  | $5505.72 | $458.81 | $888.96 | $74.08 | $0.00 | $0.00 | $1598.26 | $2707.84 | $5548.47 | N/A | XXXX |  | $0.00 | XXXX |  | 39.82% | 39.82% | 39.82% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 2 YRS W2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 12 | 12 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime, Other - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | OR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 746 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 36692.69 | 13.6 | No | 77.5 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 20584742 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 9.990% | 9.990% | $657.62 | No |  | $4453.44 | $371.12 | $998.04 | $83.17 | $0.00 | $0.00 | $678.79 | $1790.70 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.424 | 1.423 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | OH | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 739 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 68627.57 | 38.3 | No | 63.52 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  |
| 25265776 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.500% | 8.500% | $1014.97 | Yes | 5.000% | $3226.68 | $268.89 | $2106.00 | $175.50 | $0.00 | $0.00 | $637.64 | $2097.00 | $2789.12 | N/A | XXXX |  | $0.00 | XXXX |  | 48.00% | 49.80% | 49.80% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 YRS W2 |  | 1 Month |  | N/A | 0 |  |  | 1 | 0 |  |  | 2 | 1 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, SSI and Disability, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 2 YRS W2 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Award Letter Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 732 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 40634.62 | 19.4 | No | 68.05 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 26416244 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 9.625% | 9.625% | $3102.46 | No |  | $27742.80 | $2311.90 | $4435.68 | $369.64 | $0.00 | $0.00 | $7124.35 | $12908.35 | $39991.33 | N/A | XXXX |  | $0.00 | XXXX |  | 46.94% | 46.94% | 46.94% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 735 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 352757.55 | 27.3 | No | 64.99 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 27793140 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 16111.4 | 11/25/2025 | 6.260% | Manual Underwriting | Manual Underwriting | No | 9.043% |  | 8.750% | 8.750% | $5592.65 | No |  | $12882.60 | $1073.55 | $7891.56 | $657.63 | $0.00 | $0.00 | $4406.12 | $11729.95 | $25459.05 | N/A | XXXX |  | $0.00 | XXXX |  | 33.14% | 33.14% | 33.14% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 766 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 433092.14 | 36.9 | No | 70 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 24680970 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 9.375% | 9.375% | $4158.75 | Yes | 35.000% | $29258.64 | $2438.22 | $7176.60 | $598.05 | $0.00 | $0.00 | $22810.92 | $30005.94 | $31618.66 | N/A | XXXX |  | $0.00 | XXXX |  | 36.80% | 30.74% | 30.74% | Yes | Yes |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | Yes | Yes | 0 | 12 | 100.00% |  | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower \|\| Co Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower \|\| Co Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 776 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 489177.80 | 16.3 | No | 74.47 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  |
| 22408590 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 10.750% | 10.750% | $942.82 | No |  | $1476.48 | $123.04 | $4058.04 | $338.17 | $0.00 | $0.00 | $2364.36 | $3768.39 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.566 | 1.25 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NY | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 697 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 85817.81 | 19.7 | No | 66 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 20465323 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 15695 | 11/18/2025 | 6.230% | Manual Underwriting | Manual Underwriting | No | 9.035% |  | 8.750% | 8.750% | $5782.26 | No |  | $13013.16 | $1084.43 | $3359.52 | $279.96 | $0.00 | $0.00 | $3556.56 | $10703.21 | $40119.96 | N/A | XXXX |  | $0.00 | XXXX |  | 23.78% | 23.78% | 23.78% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 740 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 587915.87 | 54.9 | No | 69.93 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 25090294 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 9277.13 | 11/17/2025 | 6.230% | Manual Underwriting | Manual Underwriting | No | 9.652% |  | 9.250% | 9.250% | $2863.39 | No |  | $12073.32 | $1006.11 | $11004.96 | $917.08 | $0.00 | $0.00 | $3234.09 | $8020.67 | $23790.58 | N/A | XXXX |  | $0.00 | XXXX |  | 47.64% | 42.80% | 42.80% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 717 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 333631.24 | 41.6 | No | 69.9 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 23681074 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 12/11/2025 | 6.220% | Manual Underwriting | Out of Scope | No | 10.336% |  | 9.750% | 9.750% | $1185.63 | No |  | $1994.64 | $166.22 | $1262.04 | $105.17 | $432.00 | $36.00 | $1124.01 | $2617.03 | $3408.19 | N/A | XXXX | AZ | $36.00 | XXXX | Monthly | 45.54% | 43.43% | 43.43% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 714 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 63631.56 | 24.3 | No | 76.8 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 25264862 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 5848 | 12/18/2025 | 6.270% | Manual Underwriting | Manual Underwriting | No | 8.498% |  | 8.375% | 8.375% | $4256.41 | No |  | $24226.20 | $2018.85 | $2744.88 | $228.74 | $0.00 | $0.00 | $15781.66 | $22285.66 | $90608.84 | N/A | XXXX |  | $0.00 | XXXX |  | 31.28% | 31.28% | 31.28% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - SEPartnership - Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 776 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 552313.17 | 24.8 | No | 79.31 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  |
| 24653191 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 7260.5 | 12/08/2025 | 6.220% | Manual Underwriting | Manual Underwriting | No | 11.203% |  | 10.625% | 10.625% | $1802.00 | No |  | $11074.08 | $922.84 | $2075.16 | $172.93 | $0.00 | $0.00 | $5078.30 | $7976.07 | $13392.69 | N/A | XXXX |  | $0.00 | XXXX |  | 44.48% | 44.66% | 44.66% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | Tax Preparer |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 739 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 6 | 0 | 0 | 0 | 6 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Passport |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 139057.15 | 17.4 | No | 75.39 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 22758607 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 6695 | 12/04/2025 | 6.190% | Manual Underwriting | Manual Underwriting | No | 8.306% |  | 8.125% | 8.125% | $3712.49 | No |  | $57830.04 | $4819.17 | $16293.12 | $1357.76 | $4896.00 | $408.00 | $23034.41 | $33331.83 | $83540.42 | N/A | XXXX | CA | $408.00 | XXXX | Monthly | 38.83% | 39.39% | 39.39% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 735 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 490710.45 | 14.7 | No | 70 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 29562563 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.750% | 8.750% | $590.03 | No |  | $10520.40 | $876.70 | $947.16 | $78.93 | $0.00 | $0.00 | $1726.52 | $3272.18 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.161 | 1.161 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 756 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 71216.16 | 21.8 | No | 69.68 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 21997749 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 10.125% | 10.125% | $2084.03 | Yes | 35.000% | $7879.92 | $656.66 | $4048.92 | $337.41 | $0.00 | $0.00 | $2230.42 | $5308.52 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.074 | 1.074 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 707 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Passport |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 221390.43 | 41.7 | No | 74.57 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 25842759 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 9.000% | 9.000% | $6034.67 | No |  | $43636.68 | $3636.39 | $7026.96 | $585.58 | $0.00 | $0.00 | $32744.46 | $43001.10 | $191623.99 | N/A | XXXX |  | $0.00 | XXXX |  | 43.56% | 43.68% | 43.68% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Personal Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 807 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 706033.82 | 16.4 | No | 69.38 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 25563759 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 12/15/2025 | 6.270% | Manual Underwriting | Manual Underwriting | No | 7.395% |  | 7.250% | 7.250% | $2046.53 | No |  | $13329.36 | $1110.78 | $2835.00 | $236.25 | $330.00 | $27.50 | $1077.93 | $4498.99 | $10778.24 | N/A | XXXX | CA | $27.50 | XXXX | Annually | 44.50% | 44.44% | 44.44% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | Asset Utilization (DTI) | 1 YR W2 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | Yes |  | No | No | 84 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Asset Depletion, Retirement, SSI and Disability - 1 YR W2 Verified, Award Letter Verified - ["2025"] - 2025 | Borrower - ["2025"] - 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 801 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 294525.93 | 65.5 | No | 24.79 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 21137572 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 7055 | 12/01/2025 | 6.190% | Manual Underwriting | Manual Underwriting | No | 8.656% |  | 8.500% | 8.500% | $4659.62 | No |  | $16088.28 | $1340.69 | $4448.04 | $370.67 | $0.00 | $0.00 | $5700.21 | $12071.19 | $23978.18 | N/A | XXXX |  | $0.00 | XXXX |  | 44.09% | 43.29% | 43.29% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 732 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 204761.77 | 17 | No | 69.96 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 29702124 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 3022 | 12/01/2025 | 6.190% | Manual Underwriting | Manual Underwriting | No | 10.176% |  | 9.875% | 9.875% | $1302.52 | No |  | $4443.84 | $370.32 | $1274.04 | $106.17 | $1800.00 | $150.00 | $1377.44 | $3306.45 | $5399.95 | Yes | XXXX | CA | $150.00 | XXXX | Monthly | 45.04% | 45.04% | 45.04% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Wage - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 664 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 95454.84 | 28.9 | No | 50.84 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 28341802 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 15823 | 12/15/2025 | 6.270% | Manual Underwriting | Manual Underwriting | No | 8.536% |  | 8.250% | 8.250% | $4680.40 | No |  | $7505.28 | $625.44 | $5334.96 | $444.58 | $600.00 | $50.00 | $3901.52 | $9701.94 | $12075.73 | N/A | XXXX | AZ | $50.00 | XXXX | Monthly | 49.74% | 49.74% | 49.74% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 1YR Full Doc | 1 YR W2 | 1 YR W2 | NA | NA | N/A | 0 | N/A | 0 | 1 | 1 | 1 | 1 | 1 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 50.00% |  | Borrower Prepared | 10 | Borrower | Borrower Prepared | Borrower | 10 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, SEPartnership - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), YTD Profit And Loss Verified, 1 YR W2 Verified, Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - SEPartnership - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), YTD Profit And Loss Verified, 1 YR W2 Verified, Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S, K1), Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 726 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 53810.48 | 5.6 | No | 79.46 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  |
| 28763405 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 7152.5 | 11/17/2025 | 6.230% | Manual Underwriting | Manual Underwriting | No | 9.261% |  | 8.875% | 8.875% | $1193.47 | No |  | $5966.40 | $497.20 | $698.04 | $58.17 | $9420.00 | $785.00 | $1605.91 | $4139.75 | $13483.91 | Yes | XXXX | CA | $785.00 | XXXX | Monthly | 43.91% | 43.74% | 43.74% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 726 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 41725.11 | 10.1 | No | 64.42 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 28177485 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 3956 | 10/31/2025 | 5.660% | Manual Underwriting | Manual Underwriting | No | 11.558% |  | 10.750% | 10.750% | $858.88 | No |  | $5740.56 | $478.38 | $1404.96 | $117.08 | $0.00 | $0.00 | $1241.90 | $2696.24 | $4566.98 | N/A | XXXX |  | $0.00 | XXXX |  | 43.88% | 43.76% | 43.76% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | N/A | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - Personal Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 718 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | I-551 Permanent Resident Card | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 77650.57 | 28.8 | No | 79.43 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 25987521 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 17627.62 | 12/09/2025 | 6.220% | Manual Underwriting | Manual Underwriting | No | 9.117% |  | 8.875% | 8.875% | $3100.97 | Yes | 5.000% | $18603.84 | $1550.32 | $6663.96 | $555.33 | $0.00 | $0.00 | $12152.00 | $17358.62 | $22031.62 | N/A | XXXX |  | $0.00 | XXXX |  | 44.47% | 44.47% | 44.47% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 806 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 369551.55 | 24.9 | No | 70 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 25543916 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 10803 | 12/03/2025 | 6.190% | Manual Underwriting | Manual Underwriting | No | 9.064% |  | 8.875% | 8.875% | $2784.76 | No |  | $10974.24 | $914.52 | $3769.68 | $314.14 | $0.00 | $0.00 | $3351.68 | $7365.10 | $122050.43 | N/A | XXXX |  | $0.00 | XXXX |  | 14.14% | 14.09% | 14.09% | No | No |  |  |  |  |  |  | Not Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | Yes | Yes | 0 | 12 | 100.00% |  | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower \|\| Co Borrower - SESoleProprietor - Business Bank Statements Verified - ["2023","2024"] - 2023, 2024 | Borrower \|\| Co Borrower - ["2023","2024"] - 2023, 2024 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 713 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 96801.11 | 13.1 | No | 74.64 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  |
| 21999149 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 14694 | 12/23/2025 | 6.250% | Manual Underwriting | Manual Underwriting | No | 8.655% |  | 8.375% | 8.375% | $4940.47 | No |  | $10055.88 | $837.99 | $6354.00 | $529.50 | $0.00 | $0.00 | $3283.57 | $9591.53 | $33830.30 | N/A | XXXX |  | $0.00 | XXXX |  | 37.96% | 38.02% | 38.02% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | Tax Preparer |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - YTD Profit And Loss Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | AR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 784 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 146664.38 | 15.3 | 533090.91 | 55.6 | No | 64.02 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 28343512 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 21515 | 12/16/2025 | 6.270% | Manual Underwriting | Manual Underwriting | No | 9.343% |  | 8.990% | 8.990% | $6029.27 | No |  | $22358.16 | $1863.18 | $13047.12 | $1087.26 | $3528.00 | $294.00 | $3955.36 | $13229.07 | $26190.58 | N/A | XXXX | CA | $294.00 | XXXX | Monthly | 42.10% | 41.32% | 41.32% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - N/A | Borrower - ["2024","2025"] - 2024, 2025 \|\| Co Borrower | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 716 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 117166.79 | 8.9 | No | 65.08 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  |
| 27232788 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 15839 | 12/16/2025 | 6.270% | Manual Underwriting | Manual Underwriting | No | 9.623% |  | 9.375% | 9.375% | $2763.07 | No |  | $3606.60 | $300.55 | $3465.96 | $288.83 | $0.00 | $0.00 | $2488.90 | $5841.35 | $21513.75 | N/A | XXXX |  | $0.00 | XXXX |  | 33.47% | 33.47% | 33.47% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | Yes |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 92.77% | 33.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, SSI and Disability - Award Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CO | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 708 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 225399.79 | 38.6 | No | 74.7 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 23704296 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 9.750% | 9.750% | $1718.31 | No |  | $8193.48 | $682.79 | $5213.88 | $434.49 | $0.00 | $0.00 | $2467.92 | $5303.51 | $31920.94 | N/A | XXXX |  | $0.00 | XXXX |  | 29.07% | 28.85% | 28.85% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 680 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 187690.92 | 35.4 | No | 67.6 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 25443348 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 9.500% | 9.500% | $1748.98 | No |  | $7479.00 | $623.25 | $1208.04 | $100.67 | $0.00 | $0.00 | $3251.80 | $5724.70 | $87208.11 | N/A | XXXX |  | $0.00 | XXXX |  | 31.77% | 28.48% | 28.48% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | WA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 720 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 195395.86 | 34.1 | No | 69.95 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 20604242 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 12/01/2025 | 6.190% | Manual Underwriting | Manual Underwriting | No | 9.496% |  | 9.375% | 9.375% | $5323.20 | No |  | $9626.28 | $802.19 | $1502.04 | $125.17 | $0.00 | $0.00 | $3125.18 | $9375.74 | $12833.44 | N/A | XXXX |  | $0.00 | XXXX |  | 49.06% | 48.86% | 48.86% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 YRS W2 | 2 YRS W2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 24 | 24 | Other | No | 0 |  | N/A | Borrower - Wage, Retirement - 2 YRS W2 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - Wage, Overtime - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 684 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 79502.31 | 8.5 | No | 61.31 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  |
| 22400768 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 12/23/2025 | 6.250% | Manual Underwriting | Manual Underwriting | No | 8.029% |  | 7.500% | 7.500% | $734.18 | No |  | $7343.88 | $611.99 | $883.92 | $73.66 | $0.00 | $0.00 | $2451.00 | $3870.83 | $5237.17 | N/A | XXXX |  | $0.00 | XXXX |  | 44.29% | 44.29% | 44.29% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 2 YRS W2 |  | 1 Month |  | N/A | 0 |  |  | 1 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO, Subject Property Net Rental Income(Loss) if NOO - 1 YR Personal Tax Returns Verified, 2 YRS W2 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 788 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 93399.05 | 24.1 | No | 53.68 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 29106117 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 7572.5 | 12/05/2025 | 6.190% | Manual Underwriting | Manual Underwriting | No | 8.880% |  | 8.375% | 8.375% | $1808.97 | No |  | $4324.08 | $360.34 | $2031.96 | $169.33 | $0.00 | $0.00 | $836.89 | $3175.53 | $30540.47 | N/A | XXXX |  | $0.00 | XXXX |  | 32.71% | 32.36% | 32.36% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 700 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | .00 | 0 | No | 54.26 | N/A | No | Yes | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 21266787 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 4850.5 | 12/09/2025 | 6.220% | Manual Underwriting | Manual Underwriting | No | 11.129% |  | 10.375% | 10.375% | $1269.38 | No |  | $9476.64 | $789.72 | $2699.04 | $224.92 | $0.00 | $0.00 | $3007.48 | $5291.50 | $13439.21 | N/A | XXXX |  | $0.00 | XXXX |  | 37.74% | 38.23% | 38.23% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 22 | CPA |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 709 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 129362.73 | 24.5 | No | 74.59 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 26824949 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 3215 | 12/11/2025 | 6.220% | Manual Underwriting | Manual Underwriting | No | 11.107% |  | 10.500% | 10.500% | $896.44 | No |  | $7397.76 | $616.48 | $5009.04 | $417.42 | $0.00 | $0.00 | $1810.96 | $3741.30 | $5663.09 | N/A | XXXX |  | $0.00 | XXXX |  | 39.78% | 39.78% | 39.78% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 YRS W2 | 2 YRS W2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 12 | 12 | FNMA 1005 | Yes | 12 | 12 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage, Overtime, Bonus, Commission - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - Wage, Overtime, Bonus - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 709 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | Employment Authorization Card or Document | XXXX | XXXX | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | Employment Authorization Card or Document | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 52202.04 | 14 | No | 84.84 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  |
| 21677974 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 9.000% | 9.000% | $1115.69 | No |  | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $1817.23 | $2932.92 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.534 | 1.534 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 742 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 102977.97 | 35.1 | No | 58.8 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 26538251 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 6454.5 | 12/19/2025 | 6.270% | Manual Underwriting | Manual Underwriting | No | 9.027% |  | 8.750% | 8.750% | $1180.05 | No |  | $4123.32 | $343.61 | $2100.96 | $175.08 | $0.00 | $0.00 | $950.36 | $2649.10 | $3063.05 | N/A | XXXX |  | $0.00 | XXXX |  | 48.97% | 48.72% | 48.72% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 2 YRS W2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 2 | NA | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No | Yes | 0 | 0 | 43.23% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 36 | 12 | FNMA 1005 | No | 0 |  |  | Borrower - SESoleProprietor - Personal Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Wage, Overtime - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | OH | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 809 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 71990.39 | 27.2 | No | 78.76 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  |
| 20337964 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.875% | 8.875% | $2784.76 | No |  | $5180.52 | $431.71 | $897.00 | $74.75 | $0.00 | $0.00 | $1744.58 | $5035.80 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.627 | 1.55 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 727 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 84558.77 | 16.8 | 84558.77 | 16.8 | No | 66.85 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 21461198 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 9.250% | 9.250% | $3577.57 | No |  | $11712.36 | $976.03 | $6560.76 | $546.73 | $0.00 | $0.00 | $4918.32 | $10018.65 | $203793.17 | N/A | XXXX |  | $0.00 | XXXX |  | 22.87% | 22.82% | 22.82% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 33.30% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | NY | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 752 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 410807.37 | 41 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 28081273 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 9.500% | 9.500% | $1327.71 | No |  | $5962.56 | $496.88 | $1044.00 | $87.00 | $0.00 | $0.00 | $1150.78 | $3062.37 | $84599.80 | N/A | XXXX |  | $0.00 | XXXX |  | 30.62% | 30.62% | 30.62% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Accountant/Bookkeeper |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | WA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 720 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 151428.71 | 49.5 | No | 69.92 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 25380271 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | Client Affirms Non-QM Status |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 9.500% | 9.500% | $1429.45 | No |  | $5138.88 | $428.24 | $1080.00 | $90.00 | $0.00 | $0.00 | $1093.73 | $3041.42 | $84599.80 | N/A | XXXX |  | $0.00 | XXXX |  | 30.62% | 30.62% | 30.62% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Accountant/Bookkeeper |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | WA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 720 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 163157.95 | 53.7 | No | 69.92 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 23280556 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 7980 | 12/17/2025 | 6.270% | Manual Underwriting | Manual Underwriting | No | 9.480% |  | 9.000% | 9.000% | $1850.63 | No |  | $22630.56 | $1885.88 | $834.96 | $69.58 | $1776.00 | $148.00 | $7549.86 | $11503.95 | $26598.64 | N/A | XXXX | CA | $148.00 | XXXX | Monthly | 35.80% | 35.80% | 35.80% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 765 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 47394.71 | 4.1 | 161593.70 | 14.1 | No | 78.4 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 21543456 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | Client Affirms Non-QM Status |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 8.750% | 8.750% | $2674.78 | No |  | $8016.24 | $668.02 | $709.08 | $59.09 | $7809.48 | $650.79 | $2050.02 | $6102.70 | $24452.53 | Yes | XXXX | CA | $650.79 | XXXX | Monthly | 42.65% | 43.18% | 43.18% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 49.00% | 51.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SECorporation, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - SECorporation - Business Bank Statements Verified - ["2025","2026"] - 2025, 2026 | Borrower - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - ["2025","2026"] - 2025, 2026 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 794 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 334743.25 | 54.9 | No | 69.42 | Yes | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  |
| 21175932 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 7291 | 11/19/2025 | 6.230% | Manual Underwriting | Manual Underwriting | No | 9.711% |  | 9.000% | 9.000% | $1287.66 | No |  | $4707.60 | $392.30 | $1874.04 | $156.17 | $318.96 | $26.58 | $870.24 | $2732.95 | $8516.72 | N/A | XXXX | WA | $26.58 | XXXX | Annually | 32.03% | 32.03% | 32.03% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 2 YRS W2 | 2 YRS W2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 |  | Yes | 12 | 12 | FNMA 1005 | No | 0 |  | N/A | Borrower - Commission - 2 YRS W2 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | WA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 671 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 4 | 2 | 1 | 0 | 4 | 2 | 1 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 104544.95 | 38.3 | No | 59.03 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  |
| 26591954 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 12/03/2025 | 6.190% | Manual Underwriting | Manual Underwriting | No | 9.647% |  | 9.125% | 9.125% | $764.82 | No |  | $3259.44 | $271.62 | $2380.32 | $198.36 | $0.00 | $0.00 | $1183.77 | $2418.57 | $9508.49 | N/A | XXXX |  | $0.00 | XXXX |  | 22.68% | 22.68% | 22.68% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 683 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 5290.17 | 2.2 | No | 74.01 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  |
| 26313423 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 12/18/2025 | 6.270% | Manual Underwriting | Manual Underwriting | No | 8.276% |  | 8.125% | 8.125% | $1113.75 | No |  | $8571.96 | $714.33 | $2295.96 | $191.33 | $0.00 | $0.00 | $1836.73 | $3856.14 | $5390.36 | N/A | XXXX |  | $0.00 | XXXX |  | 49.02% | 49.02% | 49.02% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 1 | 2 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1) - ["2024","2025"] - 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1) - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | IL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 740 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 91522.31 | 23.7 | No | 67.09 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 24733228 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 8580 | 12/30/2025 | 6.250% | Manual Underwriting | Manual Underwriting | No | 9.376% |  | 9.000% | 9.000% | $2510.42 | No |  | $17133.48 | $1427.79 | $1556.04 | $129.67 | $0.00 | $0.00 | $2310.39 | $6378.27 | $11157.73 | N/A | XXXX |  | $0.00 | XXXX |  | 41.29% | 41.29% | 41.29% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - YTD Profit And Loss Verified, Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 771 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 299423.32 | 46.9 | No | 72.55 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 21625753 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 8027.65 | 01/08/2026 | 6.190% | Manual Underwriting | Manual Underwriting | No | 8.963% |  | 8.875% | 8.875% | $3589.15 | No |  | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5707.46 | $9296.61 | $323771.95 | N/A | XXXX |  | $0.00 | XXXX |  | 10.21% | 13.18% | 13.18% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 93.81% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower | Borrower - ["2024","2025"] - 2024, 2025 \|\| Co Borrower | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 756 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 195972.16 | 19.4 | No | 74.68 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  |
| 24530489 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | Client Affirms Non-QM Status |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 10.375% | 10.375% | $1358.11 | No |  | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $3622.00 | $4980.11 | $9949.33 | N/A | XXXX |  | $0.00 | XXXX |  | 41.10% | 41.10% | 41.10% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 YRS W2 | 2 YRS W2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 661 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 31596.82 | 6.3 | No | 58.48 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  |
| 20395610 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 01/09/2026 | 6.190% | Manual Underwriting | Manual Underwriting | No | 9.443% |  | 9.375% | 9.375% | $2911.13 | No |  | $10962.84 | $913.57 | $6078.24 | $506.52 | $4200.00 | $350.00 | $3886.40 | $8567.62 | $26920.42 | N/A | XXXX | CA | $350.00 | XXXX | Monthly | 43.83% | 44.41% | 44.41% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | 0.00% |  | Third-Party Prepared (Unaudited) | 12 | CPA | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - N/A - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 745 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Passport |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Passport |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 246258.71 | 28.7 | No | 63.42 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  |
| 26176204 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 3347.5 | 12/18/2025 | 6.270% | Manual Underwriting | Manual Underwriting | No | 8.159% |  | 7.750% | 7.750% | $995.81 | No |  | $6075.24 | $506.27 | $1151.52 | $95.96 | $0.00 | $0.00 | $1601.33 | $3199.37 | $7464.57 | N/A | XXXX |  | $0.00 | XXXX |  | 41.48% | 42.29% | 42.29% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 1099 Verified | 2 YRS 1099 | 2 YRS W2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 2 YRS 1099 Verified, Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 764 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 4082.73 | 1.3 | 15512.38 | 4.9 | No | 58.41 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  |
| 25557703 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 11248 | 01/09/2026 | 6.190% | Manual Underwriting | Manual Underwriting | No | 9.414% |  | 9.000% | 9.000% | $2735.72 | No |  | $11501.04 | $958.42 | $2665.56 | $222.13 | $0.00 | $0.00 | $3364.58 | $7280.85 | $17802.06 | N/A | XXXX |  | $0.00 | XXXX |  | 32.99% | 32.99% | 32.99% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | Tax Preparer |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - YTD Profit And Loss Verified, Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 704 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 72683.89 | 10 | No | 69.72 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 26241271 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 11669.15 | 12/26/2025 | 6.250% | Manual Underwriting | Manual Underwriting | No | 11.051% |  | 10.875% | 10.875% | $3818.71 | No |  | $38367.12 | $3197.26 | $1977.00 | $164.75 | $4668.00 | $389.00 | $19905.70 | $27475.42 | $142127.10 | N/A | XXXX | CA | $389.00 | XXXX | Monthly | 16.21% | 16.21% | 16.21% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 761 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 345683.90 | 12.6 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 27539251 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.625% | 8.625% | $3873.39 | No |  | $12284.52 | $1023.71 | $3600.96 | $300.08 | $11400.00 | $950.00 | $2696.81 | $8843.99 | $26629.36 | Yes | XXXX | CA | $950.00 | XXXX | Monthly | 49.80% | 49.80% | 49.80% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025","2023"] - 2024, 2025, 2023 | Borrower - ["2024","2025","2023"] - 2024, 2025, 2023 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 797 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 483517.80 | 54.7 | No | 61.49 | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 27604005 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 10.000% | 10.000% | $1943.82 | No |  | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $4573.69 | $6517.51 | $58428.57 | N/A | XXXX |  | $0.00 | XXXX |  | 37.57% | 37.61% | 37.61% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower | Borrower - ["2024","2025"] - 2024, 2025 \|\| Co Borrower | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 721 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 211923.88 | 32.5 | No | 79.92 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  |
| 23545716 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 6944.95 | 12/17/2025 | 6.270% | Manual Underwriting | Manual Underwriting | No | 8.901% |  | 8.625% | 8.625% | $1283.35 | No |  | $8627.88 | $718.99 | $3693.00 | $307.75 | $0.00 | $0.00 | $2167.13 | $4477.22 | $23846.30 | N/A | XXXX |  | $0.00 | XXXX |  | 66.64% | 33.41% | 33.41% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 796 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 155116.47 | 34.7 | No | 57.01 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 26813994 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 01/09/2026 | 6.190% | Manual Underwriting | Manual Underwriting | No | 9.492% |  | 8.875% | 8.875% | $795.64 | No |  | $15801.36 | $1316.78 | $2946.48 | $245.54 | $0.00 | $0.00 | $3155.97 | $5513.93 | $9987.96 | N/A | XXXX |  | $0.00 | XXXX |  | 35.88% | 35.88% | 35.88% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 721 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 93836.08 | 17 | No | 36.07 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 25156842 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 9245 | 01/07/2026 | 6.190% | Manual Underwriting | Out of Scope | No | 9.615% |  | 9.375% | 9.375% | $4574.62 | No |  | $9215.16 | $767.93 | $2145.48 | $178.79 | $0.00 | $0.00 | $3329.33 | $8850.67 | $19091.52 | N/A | XXXX |  | $0.00 | XXXX |  | 43.79% | 44.35% | 44.35% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 703 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 323742.69 | 36.6 | No | 74.56 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 28883534 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 12636.2 | 11/26/2025 | 6.260% | Manual Underwriting | Manual Underwriting | No | 10.140% |  | 9.750% | 9.750% | $3745.91 | No |  | $12780.72 | $1065.06 | $10010.40 | $834.20 | $0.00 | $0.00 | $4721.27 | $10366.44 | $58964.77 | N/A | XXXX |  | $0.00 | XXXX |  | 27.38% | 27.84% | 27.84% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 722 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 232331.79 | 22.4 | No | 79.86 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 25833296 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 4027.58 | 12/23/2025 | 6.250% | Manual Underwriting | Manual Underwriting | No | 10.000% |  | 9.750% | 9.750% | $1302.73 | No |  | $9465.48 | $788.79 | $2289.48 | $190.79 | $5760.00 | $480.00 | $3308.00 | $6070.31 | $39084.77 | Yes | XXXX | CA | $480.00 | XXXX | Monthly | 27.96% | 27.93% | 27.93% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 701 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 141752.44 | 23.4 | No | 74.78 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 25920915 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 9.750% | 9.750% | $807.61 | Yes | 35.000% | $1438.44 | $119.87 | $1267.68 | $105.64 | $0.00 | $0.00 | $338.22 | $1371.34 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.859 | 1.859 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 705 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 43221.07 | 31.5 | No | 69.75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 26268934 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 6245 | 01/08/2026 | 6.190% | Manual Underwriting | Out of Scope | No | 7.665% |  | 7.500% | 7.500% | $3670.88 | No |  | $20243.64 | $1686.97 | $2881.08 | $240.09 | $0.00 | $0.00 | $3410.42 | $9008.36 | $49511.05 | N/A | XXXX |  | $0.00 | XXXX |  | 16.35% | 16.35% | 16.35% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 2 YRS W2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, Executed 4506T Verified - ["2025"] - 2025 | Borrower - Executed 4506T Verified - ["2025"] - 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 758 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 503780.52 | 55.9 | No | 58.87 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 23294859 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 2440 | 01/08/2026 | 6.190% | Manual Underwriting | Manual Underwriting | No | 8.162% |  | 7.990% | 7.990% | $1466.14 | No |  | $5276.64 | $439.72 | $4637.64 | $386.47 | $2940.00 | $245.00 | $3265.39 | $5802.72 | $43888.59 | N/A | XXXX | AZ | $245.00 | XXXX | Monthly | 20.54% | 20.68% | 20.68% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 2 YRS W2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 2 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 63.63% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 Verified, 2+ Months Paystubs Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 715 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 24086.01 | 4.2 | No | 51.18 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  |
| 23974182 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 6300 | 12/10/2025 | 6.220% | Manual Underwriting | Manual Underwriting | No | 12.517% |  | 12.125% | 12.125% | $3270.48 | No |  | $6459.00 | $538.25 | $1794.96 | $149.58 | $2400.00 | $200.00 | $1618.09 | $5776.40 | $34141.60 | Yes | XXXX | CA | $200.00 | XXXX | Monthly | 24.13% | 24.13% | 24.13% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 685 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 297289.16 | 51.5 | No | 69.74 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 23200860 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 3042.5 | 01/12/2026 | 6.170% | Manual Underwriting | Manual Underwriting | No | 11.133% |  | 10.625% | 10.625% | $840.93 | No |  | $2852.16 | $237.68 | $906.96 | $75.58 | $1056.00 | $88.00 | $1223.51 | $2465.70 | $16022.30 | N/A | XXXX | NV | $88.00 | XXXX | Monthly | 32.12% | 31.41% | 31.41% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | NV | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 668 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 86584.02 | 35.1 | No | 74.98 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 24812786 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 9.250% | 9.250% | $1180.54 | No |  | $4264.56 | $355.38 | $758.04 | $63.17 | $0.00 | $0.00 | $1238.00 | $2837.09 | $59983.63 | N/A | XXXX |  | $0.00 | XXXX |  | 32.09% | 32.09% | 32.09% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 787 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 138444.04 | 48.8 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 22887308 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 9245 | 12/09/2025 | 6.220% | Manual Underwriting | Manual Underwriting | No | 9.852% |  | 9.375% | 9.375% | $2495.25 | No |  | $6818.28 | $568.19 | $1433.52 | $119.46 | $0.00 | $0.00 | $2452.36 | $5635.26 | $16110.57 | N/A | XXXX |  | $0.00 | XXXX |  | 32.44% | 31.52% | 31.52% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - YTD Profit And Loss Verified - ["2025"] - 2025 | Borrower - ["2025"] - 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 725 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 103861.92 | 18.4 | No | 50.5 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 21730607 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 5464 | 01/12/2026 | 6.170% | Manual Underwriting | Manual Underwriting | No | 8.701% |  | 8.500% | 8.500% | $2741.95 | No |  | $34929.36 | $2910.78 | $5997.96 | $499.83 | $0.00 | $0.00 | $18795.15 | $24947.71 | $54678.71 | N/A | XXXX |  | $0.00 | XXXX |  | 43.52% | 43.52% | 43.52% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 757 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 348202.01 | 14 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 24863153 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 6995 | 01/14/2026 | 6.170% | Manual Underwriting | Manual Underwriting | No | 8.590% |  | 8.250% | 8.250% | $2253.80 | No |  | $7417.20 | $618.10 | $3360.00 | $280.00 | $0.00 | $0.00 | $1837.64 | $4989.54 | $11684.25 | N/A | XXXX |  | $0.00 | XXXX |  | 47.35% | 47.35% | 47.35% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 95.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 799 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 292610.76 | 58.6 | No | 66.2 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 28766408 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 10.500% | 10.500% | $914.74 | No |  | $4242.24 | $353.52 | $564.00 | $47.00 | $0.00 | $0.00 | $1185.37 | $2500.63 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1 | 1 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NV | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 769 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 68488.71 | 27.4 | No | 78.48 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 20146917 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 15241.91 | 12/11/2025 | 6.220% | Manual Underwriting | Manual Underwriting | No | 9.647% |  | 9.500% | 9.500% | $4643.25 | No |  | $10389.60 | $865.80 | $3817.56 | $318.13 | $0.00 | $0.00 | $1499.34 | $7326.52 | $11760.48 | N/A | XXXX |  | $0.00 | XXXX |  | 34.32% | 41.98% | 41.98% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 777 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 132453.97 | 18.1 | No | 79.71 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 29478507 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 7769.6 | 01/14/2026 | 6.170% | Manual Underwriting | Manual Underwriting | No | 9.626% |  | 9.000% | 9.000% | $1351.77 | No |  | $7112.04 | $592.67 | $621.00 | $51.75 | $0.00 | $0.00 | $1902.25 | $3898.44 | $14031.88 | N/A | XXXX |  | $0.00 | XXXX |  | 27.50% | 27.50% | 27.50% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 12 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 738 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 157765.40 | 40.5 | No | 79.98 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 29041101 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 544 | 01/21/2026 | 6.060% | Manual Underwriting | Manual Underwriting | No | 8.274% |  | 8.250% | 8.250% | $3756.33 | No |  | $8761.20 | $730.10 | $6090.00 | $507.50 | $0.00 | $0.00 | $6213.19 | $11207.12 | $140427.29 | N/A | XXXX |  | $0.00 | XXXX |  | 12.64% | 12.69% | 12.69% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 777 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 492786.22 | 44 | No | 61.99 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 23298804 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 10.125% | 10.125% | $684.63 | Yes | 35.000% | $7221.96 | $601.83 | $2634.00 | $219.50 | $0.00 | $0.00 | $1025.92 | $2531.88 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.501 | 1.501 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NY | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 734 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Passport |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 68316.73 | 27 | No | 72.38 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 29260623 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 12503.79 | 01/02/2026 | 6.250% | Manual Underwriting | Manual Underwriting | No | 12.611% |  | 12.250% | 12.250% | $3141.59 | No |  | $8446.92 | $703.91 | $1855.20 | $154.60 | $0.00 | $0.00 | $3135.18 | $7135.28 | $31878.72 | N/A | XXXX |  | $0.00 | XXXX |  | 28.11% | 28.14% | 28.14% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 722 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 290393.47 | 40.7 | No | 84.63 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 23702896 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 5120 | 01/14/2026 | 6.170% | Manual Underwriting | Manual Underwriting | No | 9.348% |  | 8.750% | 8.750% | $1180.05 | No |  | $16777.80 | $1398.15 | $9535.08 | $794.59 | $0.00 | $0.00 | $4482.63 | $7855.42 | $23125.16 | N/A | XXXX |  | $0.00 | XXXX |  | 37.09% | 37.09% | 37.09% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Audited | 12 | CPA | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 753 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 72024.09 | 9.2 | No | 56.41 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  |
| 21665183 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.625% | 8.625% | $3305.61 | No |  | $9780.60 | $815.05 | $1363.44 | $113.62 | $0.00 | $0.00 | $2448.72 | $6683.00 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.13 | 1.12 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 748 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 414523.94 | 62 | No | 51.41 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 22964342 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 15870 | 01/06/2026 | 6.190% | Manual Underwriting | Manual Underwriting | No | 10.115% |  | 9.875% | 9.875% | $3690.48 | No |  | $9941.52 | $828.46 | $5214.96 | $434.58 | $0.00 | $0.00 | $3435.19 | $8388.71 | $17224.29 | N/A | XXXX |  | $0.00 | XXXX |  | 33.44% | 33.91% | 33.91% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 24 | Tax Preparer |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - YTD Profit And Loss Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 731 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 138261.71 | 16.5 | No | 74.86 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 27558101 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 10.500% | 10.500% | $686.05 | Yes | 35.000% | $3355.32 | $279.61 | $924.96 | $77.08 | $876.00 | $73.00 | $1396.67 | $2512.41 |  | N/A | XXXX | NV | $73.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.015 | 1.017 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NV | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 769 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 67495.90 | 26.9 | No | 70.51 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 26352043 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 18384.07 | 11/20/2025 | 6.230% | Manual Underwriting | Manual Underwriting | No | 9.543% |  | 9.375% | 9.375% | $5339.00 | No |  | $2719.56 | $226.63 | $1359.00 | $113.25 | $0.00 | $0.00 | $2350.11 | $8028.99 | $65816.69 | N/A | XXXX |  | $0.00 | XXXX |  | 27.61% | 27.61% | 27.61% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 726 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 532152.67 | 66.3 | No | 79.94 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 22273910 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 11790 | 12/30/2025 | 6.250% | Manual Underwriting | Manual Underwriting | No | 9.244% |  | 9.000% | 9.000% | $4827.74 | No |  | $30239.64 | $2519.97 | $3470.04 | $289.17 | $0.00 | $0.00 | $9789.61 | $17426.49 | $34207.24 | N/A | XXXX |  | $0.00 | XXXX |  | 40.44% | 40.44% | 40.44% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 YRS W2 | 2 YRS W2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 728 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 47752.11 | 2.7 | No | 76.76 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  |
| 25482920 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 8435.5 | 01/19/2026 | 6.060% | Manual Underwriting | Manual Underwriting | No | 11.754% |  | 11.250% | 11.250% | $2573.84 | No |  | $23966.04 | $1997.17 | $3552.00 | $296.00 | $996.00 | $83.00 | $5173.01 | $10123.02 | $188870.98 | N/A | XXXX | MI | $83.00 | XXXX | Monthly | 6.93% | 6.93% | 6.93% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | MI | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 741 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 233081.38 | 23 | 480475.36 | 47.5 | No | 87.44 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 27498562 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 7117.5 | 01/05/2026 | 6.190% | Manual Underwriting | Manual Underwriting | No | 8.934% |  | 8.750% | 8.750% | $1966.75 | No |  | $12241.68 | $1020.14 | $6849.24 | $570.77 | $3228.00 | $269.00 | $2829.67 | $6656.33 | $11329.89 | N/A | XXXX | CA | $269.00 | XXXX | Monthly | 42.44% | 42.34% | 42.34% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower | Borrower - ["2024","2025"] - 2024, 2025 \|\| Co Borrower | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 700 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 185182.92 | 27.8 | No | 69.99 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  |
| 26033975 | XXXX | XXXX | XXXX | XXXX | XXXX | Yes | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 9.875% | 9.875% | $651.26 | Yes | 35.000% | $3901.56 | $325.13 | $1290.00 | $107.50 | $0.00 | $0.00 | $1048.50 | $2132.39 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.219 | 1.219 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | MA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 727 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 68416.50 | 32.1 | No | 68.45 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 26083033 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 13357.5 | 10/27/2025 | 6.160% | Manual Underwriting | Manual Underwriting | No | 10.141% |  | 9.750% | 9.750% | $3694.36 | No |  | $11811.12 | $984.26 | $1719.00 | $143.25 | $0.00 | $0.00 | $2285.93 | $7107.80 | $78315.39 | N/A | XXXX |  | $0.00 | XXXX |  | 21.64% | 21.64% | 21.64% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 24 | CPA |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 734 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 412952.82 | 58.1 | No | 74.62 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 25825140 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.875% | 8.875% | $2784.76 | No |  | $10757.28 | $896.44 | $1380.12 | $115.01 | $0.00 | $0.00 | $3876.44 | $7672.65 | $34546.74 | N/A | XXXX |  | $0.00 | XXXX |  | 37.50% | 37.50% | 37.50% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 804 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 106602.54 | 13.9 | No | 67.2 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 25723099 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 10680 | 12/23/2025 | 6.250% | Manual Underwriting | Manual Underwriting | No | 9.558% |  | 9.125% | 9.125% | $2644.31 | No |  | $6672.48 | $556.04 | $11265.00 | $938.75 | $2400.00 | $200.00 | $2112.13 | $6451.23 | $15286.87 | N/A | XXXX | FL | $200.00 | XXXX | Monthly | 41.55% | 36.14% | 36.14% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 698 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 309373.60 | 48 | No | 56.19 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 24401604 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 01/14/2026 | 6.170% | Manual Underwriting | Manual Underwriting | No | 10.164% |  | 9.875% | 9.875% | $1389.36 | No |  | $3176.28 | $264.69 | $2904.96 | $242.08 | $2460.00 | $205.00 | $1053.42 | $3154.55 | $10437.48 | N/A | XXXX | CA | $205.00 | XXXX | Monthly | 39.03% | 41.16% | 41.16% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 673 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 11393.82 | 3.6 | 11393.82 | 3.6 | No | 48.85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 21301124 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 6489.5 | 01/09/2026 | 6.190% | Manual Underwriting | Manual Underwriting | No | 10.967% |  | 10.375% | 10.375% | $1675.00 | No |  | $4455.12 | $371.26 | $1149.00 | $95.75 | $0.00 | $0.00 | $1490.29 | $3632.30 | $13675.94 | N/A | XXXX |  | $0.00 | XXXX |  | 30.19% | 28.99% | 28.99% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 681 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 174410.45 | 48 | No | 77.65 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 24648941 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 3444 | 01/14/2026 | 6.170% | Manual Underwriting | Manual Underwriting | No | 7.950% |  | 7.750% | 7.750% | $716.41 | No |  | $5005.44 | $417.12 | $2104.92 | $175.41 | $0.00 | $0.00 | $1524.67 | $2833.61 | $12585.66 | N/A | XXXX |  | $0.00 | XXXX |  | 25.86% | 25.86% | 25.86% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 YRS W2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 740 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 924247.00 | 326.2 | No | 56.17 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 29699110 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 01/12/2026 | 6.170% | Manual Underwriting | Manual Underwriting | No | 9.468% |  | 9.125% | 9.125% | $2034.08 | No |  | $6580.80 | $548.40 | $2724.00 | $227.00 | $0.00 | $0.00 | $1645.83 | $4455.31 | $8714.53 | N/A | XXXX |  | $0.00 | XXXX |  | 49.45% | 48.27% | 48.27% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership - Business Bank Statements Verified - ["2025"] - 2025 \|\| Co Borrower - SEPartnership - Business Bank Statements Verified - ["2025"] - 2025 | Borrower - ["2025"] - 2025 \|\| Co Borrower - ["2025"] - 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 682 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 225723.50 | 50.7 | No | 56.4 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  |
| 22560271 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 15000 | 01/21/2026 | 6.060% | Manual Underwriting | Manual Underwriting | No | 9.205% |  | 8.875% | 8.875% | $5450.17 | No |  | $10113.12 | $842.76 | $2776.56 | $231.38 | $0.00 | $0.00 | $1549.12 | $8073.43 | $25776.99 | N/A | XXXX |  | $0.00 | XXXX |  | 37.51% | 37.51% | 37.51% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | Tax Preparer |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - YTD Profit And Loss Verified - ["2025"] - 2025 | Borrower - ["2025"] - 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 780 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 598020.50 | 74.1 | No | 69.97 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 29619574 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 9.500% | 9.500% | $1126.74 | No |  | $1810.32 | $150.86 | $1341.96 | $111.83 | $0.00 | $0.00 | $1755.00 | $3144.43 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.177 | 1.431 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 724 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 128195.96 | 40.8 | No | 74.92 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 20919250 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 8535.36 | 01/02/2026 | 6.250% | Manual Underwriting | Manual Underwriting | No | 9.030% |  | 8.625% | 8.625% | $1555.58 | No |  | $9249.48 | $770.79 | $2535.96 | $211.33 | $2712.00 | $226.00 | $3701.16 | $6464.86 | $59220.00 | Yes | XXXX | CA | $226.00 | XXXX | Monthly | 11.53% | 11.53% | 11.53% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 799 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 191380.70 | 29.6 | No | 79.88 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 25479769 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 3875 | 01/30/2026 | 6.140% | Manual Underwriting | Manual Underwriting | No | 10.573% |  | 10.000% | 10.000% | $1044.31 | No |  | $3169.44 | $264.12 | $5470.08 | $455.84 | $0.00 | $0.00 | $939.69 | $2703.96 | $14771.00 | N/A | XXXX |  | $0.00 | XXXX |  | 24.44% | 24.44% | 24.44% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SEPartnership - Business Bank Statements Verified - ["2025"] - 2025 | Borrower - ["2025"] - 2025 | XXXX | XXXX | VA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 678 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | I-551 Permanent Resident Card | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 112616.43 | 41.7 | No | 74.71 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 21238241 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 22675 | 12/17/2025 | 6.270% | Manual Underwriting | Manual Underwriting | No | 8.380% |  | 8.250% | 8.250% | $5634.50 | No |  | $6130.20 | $510.85 | $4593.96 | $382.83 | $0.00 | $0.00 | $3046.45 | $9574.63 | $55136.62 | N/A | XXXX |  | $0.00 | XXXX |  | 35.58% | 35.83% | 35.83% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 33.34% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 774 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 731053.58 | 76.4 | No | 52.38 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 20557849 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 11930 | 01/14/2026 | 6.170% | Manual Underwriting | Manual Underwriting | No | 11.912% |  | 11.250% | 11.250% | $3146.89 | No |  | $10516.20 | $876.35 | $3108.96 | $259.08 | $2460.00 | $205.00 | $3121.20 | $7608.52 | $22150.43 | N/A | XXXX | CA | $205.00 | XXXX | Monthly | 47.01% | 47.01% | 47.01% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 24 | Tax Preparer |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 730 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 1 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 303808.57 | 39.9 | No | 79.85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 22881707 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 3835.89 | 12/10/2025 | 6.220% | Manual Underwriting | Manual Underwriting | No | 8.785% |  | 8.375% | 8.375% | $608.06 | No |  | $8217.84 | $684.82 | $5138.04 | $428.17 | $0.00 | $0.00 | $2836.58 | $4557.63 | $9291.22 | N/A | XXXX |  | $0.00 | XXXX |  | 35.24% | 35.24% | 35.24% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 760 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 74791.91 | 16.4 | No | 50.86 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 29334746 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 0 | 01/26/2026 | 5.850% | Manual Underwriting | Out of Scope | No | 10.239% |  | 9.625% | 9.625% | $1034.34 | No |  | $6330.96 | $527.58 | $12.00 | $1.00 | $249.96 | $20.83 | $2265.51 | $3849.26 | $19873.67 | N/A | XXXX | WA | $20.83 | XXXX | Annually | 36.88% | 36.69% | 36.69% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 1YR Full Doc | 2 YRS W2 | 2 YRS W2 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 2 | 2 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 100.00% |  | N/A | 0 | N/A | Borrower Prepared | Borrower | 12 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Overtime, Bonus, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS W2 Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - SESCorp - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), YTD Profit And Loss Verified, 2 YRS W2 Verified, 2 YRS Executed 4506T Verified - ["2024","2023"] - 2024, 2023 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1120S, K1), 2 YRS Executed 4506T Verified - ["2024","2023"] - 2024, 2023 | XXXX | XXXX | WA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 700 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 105686.85 | 27.5 | No | 72.47 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  |
| 28567505 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 3845 | 01/06/2026 | 6.190% | Manual Underwriting | Manual Underwriting | No | 8.430% |  | 7.875% | 7.875% | $870.08 | No |  | $7043.76 | $586.98 | $1379.04 | $114.92 | $0.00 | $0.00 | $2040.00 | $3611.98 | $12575.30 | N/A | XXXX |  | $0.00 | XXXX |  | 36.42% | 36.42% | 36.42% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 786 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 108822.42 | 30.1 | No | 33.22 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 25017032 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 3800 | 01/15/2026 | 6.170% | Manual Underwriting | Manual Underwriting | No | 8.965% |  | 8.875% | 8.875% | $3978.22 | No |  | $3681.84 | $306.82 | $2999.04 | $249.92 | $0.00 | $0.00 | $2045.00 | $6579.96 | $60107.35 | N/A | XXXX |  | $0.00 | XXXX |  | 32.09% | 31.95% | 31.95% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - YTD Profit And Loss Verified - ["2025"] - 2025 | Borrower - ["2025"] - 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 787 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 257220.41 | 39.1 | No | 71.81 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 25478495 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 4395 | 01/20/2026 | 6.060% | Manual Underwriting | Manual Underwriting | No | 8.773% |  | 8.625% | 8.625% | $1322.24 | No |  | $20709.12 | $1725.76 | $1122.00 | $93.50 | $0.00 | $0.00 | $8457.35 | $11598.85 | $30325.59 | N/A | XXXX |  | $0.00 | XXXX |  | 30.18% | 30.08% | 30.08% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 735 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 166995.42 | 17.8 | No | 42.61 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 27276992 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 1494 | 01/23/2026 | 6.060% | Manual Underwriting | Manual Underwriting | No | 8.877% |  | 8.750% | 8.750% | $3146.80 | No |  | $4586.64 | $382.22 | $2566.56 | $213.88 | $0.00 | $0.00 | $4010.29 | $7753.19 | $15452.81 | N/A | XXXX |  | $0.00 | XXXX |  | 40.34% | 37.16% | 37.16% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 24 | 24 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 742 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 146195.52 | 18.9 | No | 64.91 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 25901761 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 9.000% | 9.000% | $6034.67 | No |  | $8887.68 | $740.64 | $2509.68 | $209.14 | $0.00 | $0.00 | $5388.54 | $12372.99 | $34625.70 | N/A | XXXX |  | $0.00 | XXXX |  | 42.87% | 42.92% | 42.92% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | NY | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 779 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 700321.65 | 56.6 | No | 64.04 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 22932431 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.875% | 8.875% | $5967.34 | Yes | 35.000% | $24802.44 | $2066.87 | $5870.04 | $489.17 | $3000.00 | $250.00 | $1990.76 | $10764.14 | $578131.30 | N/A | XXXX | FL | $250.00 | XXXX | Monthly | 8.11% | 8.23% | 8.23% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 784 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 719799.66 | 66.9 | No | 61.45 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 29500616 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 6376.58 | 01/16/2026 | 6.170% | Manual Underwriting | Manual Underwriting | No | 9.739% |  | 9.500% | 9.500% | $1760.75 | No |  | $12102.36 | $1008.53 | $4232.28 | $352.69 | $680.04 | $56.67 | $2754.80 | $5933.44 | $15112.67 | N/A | XXXX | TX | $56.67 | XXXX | Annually | 38.92% | 38.92% | 38.92% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 747 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 14 | 3 | 2 | 0 | 14 | 3 | 2 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 157310.27 | 35.8 | No | 79.99 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 25001350 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.875% | 8.875% | $1989.11 | No |  | $23585.28 | $1965.44 | $3101.04 | $258.42 | $0.00 | $0.00 | $4289.87 | $5866.49 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.108 | 1.108 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 768 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 240433.07 | 41 | No | 35.2 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 25364527 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 9.375% | 9.375% | $1522.03 | No |  | $6571.08 | $547.59 | $4546.56 | $378.88 | $0.00 | $0.00 | $1101.25 | $3579.75 | $27591.79 | N/A | XXXX |  | $0.00 | XXXX |  | 40.30% | 39.94% | 39.94% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 1 | 0 |  |  | 2 | 1 | NA |  | No | No | 60 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Asset Depletion, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - ["2024","2025"] - 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, 1040 Schedule E Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 706 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 175724.64 | 49.5 | No | 79.64 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 23238787 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 3742.75 | 01/12/2026 | 6.170% | Manual Underwriting | Manual Underwriting | No | 8.094% |  | 7.625% | 7.625% | $615.78 | No |  | $1588.32 | $132.36 | $3261.48 | $271.79 | $0.00 | $0.00 | $578.90 | $1598.83 | $2143.72 | N/A | XXXX |  | $0.00 | XXXX |  | 49.96% | 49.96% | 49.96% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | 2YR Full Doc | 2 YRS 1099 |  | NA |  | N/A | 0 |  |  | 2 | 0 |  |  | 1 | 0 | Yes |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Retirement, SSI and Disability, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS 1099 Verified, Executed 4506T Verified, Award Letter Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 2 YRS Personal Tax Returns Verified, Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 765 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Missing |  | XXXX | XXXX | XXXX | XXXX | XXXX | I-551 Permanent Resident Card | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 1527.18 | 1 | 69902.54 | 43.7 | No | 11.31 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 21592461 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 02/02/2026 | 6.100% | Manual Underwriting | Manual Underwriting | No | 8.772% |  | 8.375% | 8.375% | $1459.86 | No |  | $10417.44 | $868.12 | $2298.96 | $191.58 | $0.00 | $0.00 | $3132.08 | $5651.64 | $11642.42 | N/A | XXXX |  | $0.00 | XXXX |  | 33.49% | 33.72% | 33.72% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 YRS W2 | 2 YRS W2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - Wage, Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - Executed 4506T Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 764 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 184106.45 | 32.6 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  |
| 23544890 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 13302.5 | 01/22/2026 | 6.060% | Manual Underwriting | Manual Underwriting | No | 10.384% |  | 10.000% | 10.000% | $4800.32 | No |  | $13101.72 | $1091.81 | $648.00 | $54.00 | $0.00 | $0.00 | $5998.00 | $11944.13 | $34978.34 | N/A | XXXX |  | $0.00 | XXXX |  | 34.89% | 34.62% | 34.62% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 732 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | P-1A Visa | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 302783.20 | 50.9 | No | 79.99 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 20594378 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 9.990% | 9.990% | $929.44 | No |  | $4139.04 | $344.92 | $2484.96 | $207.08 | $3420.00 | $285.00 | $905.47 | $2671.91 |  | N/A | XXXX | VA | $285.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.085 | 1.085 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | VA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 683 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | I-551 Permanent Resident Card | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 98575.76 | 36.9 | No | 65.88 | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 22347749 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 7557.5 | 01/29/2026 | 6.140% | Manual Underwriting | Manual Underwriting | No | 10.266% |  | 9.875% | 9.875% | $3039.22 | No |  | $55034.64 | $4586.22 | $30355.56 | $2529.63 | $0.00 | $0.00 | $31952.46 | $42107.53 | $189951.63 | N/A | XXXX |  | $0.00 | XXXX |  | 19.37% | 19.34% | 19.34% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 24 | Tax Preparer |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 759 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | I-551 Permanent Resident Card | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 279619.20 | 6.6 | No | 77.36 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 22288612 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | Client Affirms Non-QM Status |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 9.250% | 9.375% | $2180.09 | No |  | $7920.48 | $660.04 | $1986.96 | $165.58 | $0.00 | $0.00 | $1505.77 | $4511.48 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.064 | 1.04 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 739 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 1207.96 | 0.3 | 251747.88 | 55.8 | No | 59.86 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 27362280 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 7207 | 01/15/2026 | 6.170% | Manual Underwriting | Manual Underwriting | No | 8.502% |  | 8.125% | 8.125% | $1113.75 | No |  | $18407.64 | $1533.97 | $5213.52 | $434.46 | $800.04 | $66.67 | $2068.24 | $5217.09 | $47663.51 | N/A | XXXX | TX | $66.67 | XXXX | Annually | 14.31% | 14.31% | 14.31% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | TX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 767 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 142826.31 | 27.4 | No | 49.6 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 27995440 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 1755 | 12/26/2025 | 6.250% | Manual Underwriting | Manual Underwriting | No | 11.444% |  | 11.000% | 11.000% | $723.77 | No |  | $9253.32 | $771.11 | $2747.04 | $228.92 | $0.00 | $0.00 | $6226.54 | $7950.34 | $14167.66 | N/A | XXXX |  | $0.00 | XXXX |  | 37.55% | 39.74% | 39.74% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 12 | 12 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Bonus - Written VOE Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 739 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 71100.02 | 8.9 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 20806782 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 17995 | 01/29/2026 | 6.140% | Manual Underwriting | Manual Underwriting | No | 9.053% |  | 8.750% | 8.750% | $6686.95 | No |  | $45519.60 | $3793.30 | $612.96 | $51.08 | $38400.00 | $3200.00 | $10791.67 | $24574.08 | $58001.24 | Yes | XXXX | FL | $3200.00 | XXXX | Monthly | 36.23% | 36.18% | 36.18% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 765 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 774110.08 | 31.6 | No | 73.96 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 22998361 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 11.750% | 11.750% | $1034.64 | Yes | 35.000% | $7839.12 | $653.26 | $2303.04 | $191.92 | $0.00 | $0.00 | $1047.71 | $2927.53 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.196 | 1.018 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NY | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 734 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Passport |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 89173.25 | 30.5 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 25963168 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 6248.66 | 01/14/2026 | 6.170% | Manual Underwriting | Manual Underwriting | No | 8.643% |  | 8.125% | 8.125% | $1202.10 | No |  | $8038.20 | $669.85 | $1293.00 | $107.75 | $0.00 | $0.00 | $1431.38 | $3411.08 | $4717.92 | N/A | XXXX |  | $0.00 | XXXX |  | 50.00% | 49.93% | 49.93% | No |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 2 | 0 |  |  | 3 | 2 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Retirement, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified, 1040 Schedule E Verified - ["2025"] - 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2025"] - 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 710 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 90250.54 | 26.5 | No | 63.57 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 28254073 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 01/28/2026 | 6.140% | Manual Underwriting | Manual Underwriting | No | 8.447% |  | 7.990% | 7.990% | $1026.29 | No |  | $13014.72 | $1084.56 | $4123.08 | $343.59 | $0.00 | $0.00 | $3270.25 | $5724.69 | $11978.09 | N/A | XXXX |  | $0.00 | XXXX |  | 40.30% | 40.30% | 40.30% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 81.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 782 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Passport |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 135396.60 | 23.7 | No | 64.88 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 21681707 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 10745 | 12/26/2025 | 6.250% | Manual Underwriting | Manual Underwriting | No | 8.546% |  | 8.375% | 8.625% | $2280.22 | No |  | $15114.72 | $1259.56 | $3399.96 | $283.33 | $1764.00 | $147.00 | $3996.42 | $7966.53 | $18540.40 | N/A | XXXX | CA | $147.00 | XXXX | Monthly | 40.29% | 41.19% | 41.19% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 753 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 283184.25 | 35.6 | No | 46.59 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 26562953 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 4577.5 | 02/05/2026 | 6.100% | Manual Underwriting | Manual Underwriting | No | 11.075% |  | 10.500% | 10.500% | $1253.19 | No |  | $9278.52 | $773.21 | $815.04 | $67.92 | $0.00 | $0.00 | $2760.08 | $4854.40 | $21542.24 | N/A | XXXX |  | $0.00 | XXXX |  | 26.40% | 26.40% | 26.40% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 715 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 129942.70 | 26.8 | No | 74.97 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 22289538 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 5995 | 10/29/2025 | 6.160% | Manual Underwriting | Manual Underwriting | No | 8.293% |  | 8.000% | 8.000% | $1834.41 | No |  | $5632.56 | $469.38 | $2331.12 | $194.26 | $0.00 | $0.00 | $1526.65 | $4024.70 | $51171.32 | N/A | XXXX |  | $0.00 | XXXX |  | 10.21% | 10.21% | 10.21% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 782 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 239048.76 | 59.4 | No | 49.92 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 23551171 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 4395 | 01/23/2026 | 6.060% | Manual Underwriting | Manual Underwriting | No | 9.118% |  | 9.000% | 9.000% | $1367.86 | No |  | $38838.84 | $3236.57 | $15835.56 | $1319.63 | $8904.00 | $742.00 | $18997.11 | $25663.17 | $116727.83 | N/A | XXXX | CA | $742.00 | XXXX | Monthly | 19.91% | 19.91% | 19.91% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership - Business Bank Statements Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 786 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 167282.80 | 6.5 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 21206945 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 10370 | 01/09/2026 | 6.190% | Manual Underwriting | Manual Underwriting | No | 9.079% |  | 8.875% | 8.875% | $5967.34 | No |  | $36030.00 | $3002.50 | $7821.24 | $651.77 | $0.00 | $0.00 | $23876.17 | $33497.78 | $69968.04 | N/A | XXXX |  | $0.00 | XXXX |  | 45.20% | 44.09% | 44.09% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2025"] - 2025 | Borrower - ["2025"] - 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 776 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 734533.90 | 21.9 | No | 77.22 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 21002953 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 13182.5 | 01/27/2026 | 6.140% | Manual Underwriting | Manual Underwriting | No | 9.900% |  | 9.625% | 9.625% | $6374.92 | No |  | $15303.60 | $1275.30 | $4025.52 | $335.46 | $0.00 | $0.00 | $3691.15 | $11676.83 | $25620.96 | N/A | XXXX |  | $0.00 | XXXX |  | 37.74% | 37.74% | 37.74% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 24 | CPA |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 702 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 225614.40 | 19.3 | No | 57.66 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 24733367 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 2344 | 02/09/2026 | 6.130% | Manual Underwriting | Manual Underwriting | No | 8.460% |  | 8.250% | 8.250% | $1314.72 | No |  | $7480.68 | $623.39 | $1902.96 | $158.58 | $0.00 | $0.00 | $2403.00 | $4499.69 | $9923.23 | N/A | XXXX |  | $0.00 | XXXX |  | 42.69% | 42.69% | 42.69% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SECorporation, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2025","2026"] - 2025, 2026 | Borrower - ["2025","2026"] - 2025, 2026 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 705 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 871.50 | 0.2 | 144761.64 | 32.2 | No | 54.88 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 21471326 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 11.000% | 11.000% | $714.24 | No |  | $2310.36 | $192.53 | $1734.72 | $144.56 | $609.96 | $50.83 | $673.70 | $1775.86 |  | N/A | XXXX | AZ | $50.83 | XXXX | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.014 | 1 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | AZ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 693 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 69254.50 | 39 | No | 68.93 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 29057645 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 9.250% | 9.250% | $3734.95 | No |  | $13599.60 | $1133.30 | $4494.96 | $374.58 | $0.00 | $0.00 | $3427.00 | $8669.83 | $166559.82 | N/A | XXXX |  | $0.00 | XXXX |  | 21.65% | 26.73% | 26.73% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2025","2026"] - 2025, 2026 | Borrower - ["2025","2026"] - 2025, 2026 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 744 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 49583.15 | 5.7 | No | 74.88 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 20116649 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 12825 | 02/13/2026 | 6.130% | Manual Underwriting | Manual Underwriting | No | 8.516% |  | 8.250% | 8.250% | $4282.22 | No |  | $16144.56 | $1345.38 | $12216.00 | $1018.00 | $0.00 | $0.00 | $22450.86 | $29096.46 | $1716027.16 | N/A | XXXX |  | $0.00 | XXXX |  | 6.86% | 6.90% | 6.90% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2025"] - 2025 | Borrower - ["2025"] - 2025 | XXXX | XXXX | ID | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 729 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 556746.75 | 19.1 | No | 70 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 25966816 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.375% | 8.375% | $2964.28 | No |  | $12965.04 | $1080.42 | $3006.00 | $250.50 | $0.00 | $0.00 | $2838.26 | $7133.46 |  | N/A | XXXX |  | $0.00 | XXXX |  | 2.43% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.009 | 1.009 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 718 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 112223.32 | 15.7 | No | 66.52 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 28291186 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 5257.5 | 01/23/2026 | 6.060% | Manual Underwriting | Manual Underwriting | No | 9.906% |  | 9.375% | 9.375% | $1289.21 | No |  | $5628.00 | $469.00 | $4133.04 | $344.42 | $1356.00 | $113.00 | $2833.00 | $5048.63 | $12306.03 | N/A | XXXX | NC | $113.00 | XXXX | Monthly | 49.99% | 49.99% | 49.99% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 YRS W2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Bonus, Retirement, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS W2 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, Award Letter Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | NC | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 712 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 11653.22 | 2.3 | 15186.94 | 3 | No | 78.05 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 29637044 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.750% | 8.750% | $3225.47 | No |  | $11786.76 | $982.23 | $3154.56 | $262.88 | $0.00 | $0.00 | $3098.79 | $7569.37 | $65450.52 | N/A | XXXX |  | $0.00 | XXXX |  | 31.97% | 31.97% | 31.97% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - ["2025","2026"] - 2025, 2026 \|\| Co Borrower | Borrower - ["2025","2026"] - 2025, 2026 \|\| Co Borrower | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 795 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 45236.84 | 6 | No | 69.81 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  |
| 23674873 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 01/23/2026 | 6.060% | Manual Underwriting | Manual Underwriting | No | 8.173% |  | 7.875% | 7.875% | $725.07 | No |  | $4691.64 | $390.97 | $1472.04 | $122.67 | $0.00 | $0.00 | $1398.00 | $2636.71 | $3148.29 | N/A | XXXX |  | $0.00 | XXXX |  | 45.58% | 45.58% | 45.58% | No | No |  |  |  |  |  |  | Not Employed | Not Employed |  |  |  |  | 1YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | Yes | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SSI and Disability - 2 YRS Executed 4506T Verified, Award Letter Verified - ["2025"] - 2025 \|\| Co Borrower - SSI and Disability - 2 YRS Executed 4506T Verified, Award Letter Verified - ["2025"] - 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2025"] - 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2025"] - 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 783 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 68436.52 | 26 | No | 55.5 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  |
| 22941776 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 16132.5 | 01/23/2026 | 6.060% | Manual Underwriting | Manual Underwriting | No | 10.117% |  | 10.000% | 10.000% | $5313.70 | No |  | $18769.80 | $1564.15 | $4367.52 | $363.96 | $0.00 | $0.00 | $9106.83 | $16348.64 | $100759.43 | N/A | XXXX |  | $0.00 | XXXX |  | 27.83% | 18.08% | 18.08% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2025","2026"] - 2025, 2026 | Borrower - ["2025","2026"] - 2025, 2026 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 736 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 247480.73 | 15.1 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 26061229 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.990% | 8.990% | $1041.05 | No |  | $6457.56 | $538.13 | $2043.36 | $170.28 | $0.00 | $0.00 | $1713.51 | $3462.97 | $16084.37 | N/A | XXXX |  | $0.00 | XXXX |  | 33.69% | 33.90% | 33.90% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 YRS W2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 1 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 12 | 12 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - 2 YRS W2 Verified, 2+ Months Paystubs Verified, Written VOE Verified, Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | Borrower - Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 727 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 35426.05 | 10.2 | No | 79.99 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 26760338 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 995 | 02/11/2026 | 6.130% | Manual Underwriting | Manual Underwriting | No | 9.341% |  | 9.250% | 9.250% | $2468.03 | No |  | $12353.28 | $1029.44 | $4726.80 | $393.90 | $0.00 | $0.00 | $2222.88 | $6114.25 | $17534.75 | N/A | XXXX |  | $0.00 | XXXX |  | 39.39% | 38.94% | 38.94% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 707 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 288389.54 | 47.2 | No | 52.28 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 27202670 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 3437.5 | 02/06/2026 | 6.100% | Manual Underwriting | Manual Underwriting | No | 9.101% |  | 8.500% | 8.500% | $961.14 | No |  | $4645.32 | $387.11 | $1509.48 | $125.79 | $0.00 | $0.00 | $1551.32 | $3025.36 | $10657.64 | N/A | XXXX |  | $0.00 | XXXX |  | 42.48% | 42.48% | 42.48% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 767 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 117236.67 | 39.1 | No | 56.61 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 23911596 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 6147.5 | 02/12/2026 | 6.130% | Manual Underwriting | Manual Underwriting | No | 8.761% |  | 8.375% | 8.375% | $1740.57 | No |  | $2678.88 | $223.24 | $1467.96 | $122.33 | $0.00 | $0.00 | $2412.79 | $4498.93 | $6088.13 | N/A | XXXX |  | $0.00 | XXXX |  | 48.02% | 48.02% | 48.02% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 2 YRS W2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 12 | 12 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other, SSI and Disability, Retirement, Other REO Net Rental Income(Loss) - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2024","2025","2026"] - 2024, 2025, 2026 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025","2026"] - 2024, 2025, 2026 | XXXX | XXXX | HI | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 747 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | .29 | 0 | No | 77.82 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 29657121 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 4495 | 02/03/2026 | 6.100% | Manual Underwriting | Manual Underwriting | No | 9.173% |  | 8.990% | 8.990% | $1205.85 | No |  | $4937.52 | $411.46 | $924.96 | $77.08 | $60.00 | $5.00 | $1446.65 | $3146.04 | $3813.14 | N/A | XXXX | VA | $5.00 | XXXX | Monthly | 48.06% | 48.07% | 48.07% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - SEPartnership - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | VA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 700 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 5655.05 | 1.8 | 5655.05 | 1.8 | No | 66.39 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  |
| 27150162 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 19763.75 | 02/11/2026 | 6.130% | Manual Underwriting | Manual Underwriting | No | 12.565% |  | 12.250% | 12.250% | $4495.48 | No |  | $10972.56 | $914.38 | $3810.48 | $317.54 | $0.00 | $0.00 | $1865.66 | $7593.06 | $16139.63 | N/A | XXXX |  | $0.00 | XXXX |  | 34.67% | 35.33% | 35.33% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 12 | 12 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 678 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 2 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 177204.51 | 23.3 | No | 64.98 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 24436060 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.875% | 8.875% | $2386.93 | Yes | 35.000% | $9034.68 | $752.89 | $3819.96 | $318.33 | $0.00 | $0.00 | $6883.88 | $10342.03 |  | N/A | XXXX |  | $0.00 | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.149 | 1.161 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | NY | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 770 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 281338.35 | 27.2 | No | 69.83 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 26868258 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 3380 | 02/16/2026 | 6.100% | Manual Underwriting | Manual Underwriting | No | 10.166% |  | 9.875% | 9.875% | $1302.52 | No |  | $10563.96 | $880.33 | $2240.04 | $186.67 | $0.00 | $0.00 | $2348.30 | $4717.82 | $19186.18 | N/A | XXXX |  | $0.00 | XXXX |  | 23.29% | 23.26% | 23.26% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 24 | CPA |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - YTD Profit And Loss Verified, Executed 4506T Verified - ["2024","2025","2026"] - 2024, 2025, 2026 | Borrower - Executed 4506T Verified - ["2024","2025","2026"] - 2024, 2025, 2026 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 706 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 51372.79 | 10.9 | No | 72.31 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 23070354 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 5501 | 02/16/2026 | 6.100% | Manual Underwriting | Manual Underwriting | No | 9.875% |  | 9.875% | 9.875% | $1736.70 | No |  | $9597.72 | $799.81 | $2031.96 | $169.33 | $0.00 | $0.00 | $1258.98 | $3964.82 | $9110.18 | N/A | XXXX |  | $0.00 | XXXX |  | 39.27% | 39.27% | 39.27% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - YTD Profit And Loss Verified, Executed 4506T Verified - ["2025"] - 2025 | Borrower - Executed 4506T Verified - ["2025"] - 2025 | XXXX | XXXX | MI | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 681 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 197898.08 | 49.9 | No | 68.69 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 23033650 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 12398 | 02/16/2026 | 6.100% | Manual Underwriting | Manual Underwriting | No | 8.321% |  | 8.250% | 8.250% | $3005.07 | No |  | $37620.84 | $3135.07 | $12821.04 | $1068.42 | $0.00 | $0.00 | $8608.38 | $15816.94 | $48013.43 | N/A | XXXX |  | $0.00 | XXXX |  | 36.57% | 36.57% | 36.57% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership, SESoleProprietor, SESoleProprietor, Other REO Net Rental Income(Loss) - Executed 4506T Verified, Business Bank Statements Verified - ["2025"] - 2025 \|\| Co Borrower - Executed 4506T Verified | Borrower - Executed 4506T Verified - ["2025"] - 2025 \|\| Co Borrower - Executed 4506T Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 737 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 11930.67 | 0.8 | 340275.41 | 21.5 | No | 36.11 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  |
| 24759178 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 14140 | 02/12/2026 | 6.130% | Manual Underwriting | Manual Underwriting | No | 8.569% |  | 8.375% | 8.375% | $6460.61 | No |  | $37041.72 | $3086.81 | $22488.00 | $1874.00 | $4800.00 | $400.00 | $17277.00 | $29098.42 | $192646.77 | N/A | XXXX | CO | $400.00 | XXXX | Annually | 13.19% | 13.16% | 13.16% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2025"] - 2025 | Borrower - ["2025"] - 2025 | XXXX | XXXX | CO | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 779 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 833182.03 | 28.6 | No | 73.88 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 28286639 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 9.875% | 9.875% | $4515.41 | No |  | $22849.92 | $1904.16 | $4302.48 | $358.54 | $10020.00 | $835.00 | $8039.69 | $15652.80 |  | N/A | XXXX | CA | $835.00 | XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.278 | 1.278 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 696 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 470371.88 | 30.1 | No | 45.39 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 23579560 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 02/06/2026 | 6.100% | Manual Underwriting | Manual Underwriting | No | 10.303% |  | 10.000% | 10.000% | $2632.71 | No |  | $8463.24 | $705.27 | $2656.92 | $221.41 | $0.00 | $0.00 | $3103.00 | $6662.39 | $8759.51 | N/A | XXXX |  | $0.00 | XXXX |  | 48.76% | 48.76% | 48.76% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Missing | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - YTD Profit And Loss Verified - ["2025"] - 2025 | Borrower - ["2025"] - 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 705 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 226425.25 | 34 | No | 69.47 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 21516060 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 6047.93 | 01/15/2026 | 6.170% | Manual Underwriting | Manual Underwriting | No | 12.601% |  | 12.125% | 12.375% | $2098.47 | No |  | $6703.56 | $558.63 | $1067.04 | $88.92 | $0.00 | $0.00 | $1253.15 | $3999.17 | $9041.28 | N/A | XXXX |  | $0.00 | XXXX |  | 46.68% | 46.08% | 46.08% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | N/A | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | NJ | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 692 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 192550.96 | 48.2 | No | 79.15 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 28922300 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 9.125% | 9.125% | $1466.37 | No |  | $0.00 | $0.00 | $3978.96 | $331.58 | $0.00 | $0.00 | $7726.95 | $9524.90 | $78641.65 | N/A | XXXX |  | $0.00 | XXXX |  | 27.50% | 27.50% | 27.50% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 70.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - ["2025","2026"] - 2025, 2026 | Borrower - ["2025","2026"] - 2025, 2026 | XXXX | XXXX | NY | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 762 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 170891.59 | 17.9 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 25159028 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 5120 | 02/04/2026 | 6.100% | Manual Underwriting | Manual Underwriting | No | 8.844% |  | 8.375% | 8.375% | $836.08 | No |  | $14200.80 | $1183.40 | $6341.88 | $528.49 | $1800.00 | $150.00 | $3215.16 | $5913.13 | $10689.45 | N/A | XXXX | CA | $150.00 | XXXX | Annually | 40.46% | 40.45% | 40.45% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - YTD Profit And Loss Verified - ["2025","2026"] - 2025, 2026 | Borrower - ["2025","2026"] - 2025, 2026 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 794 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 90537.25 | 15.3 | No | 39.07 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 29794174 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 0 | 02/19/2026 | 6.100% | Manual Underwriting | Manual Underwriting | No | 8.547% |  | 7.990% | 7.990% | $1667.73 | No |  | $4088.88 | $340.74 | $2214.96 | $184.58 | $0.00 | $0.00 | $2784.00 | $4977.05 | $12391.77 | N/A | XXXX |  | $0.00 | XXXX |  | 32.64% | 33.00% | 33.00% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 95.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2025","2026"] - 2025, 2026 | Borrower - ["2025","2026"] - 2025, 2026 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 721 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Passport |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 205158.80 | 41.2 | No | 69.87 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 26063877 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Client Affirms Non-QM Status | 8315 | 01/05/2026 | 6.190% | Manual Underwriting | Manual Underwriting | No | 10.819% |  | 10.375% | 10.375% | $3313.79 | No |  | $10388.16 | $865.68 | $2530.56 | $210.88 | $0.00 | $0.00 | $1606.44 | $5996.79 | $18819.52 | N/A | XXXX |  | $0.00 | XXXX |  | 40.55% | 40.55% | 40.55% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2025","2026"] - 2025, 2026 | Borrower - ["2025","2026"] - 2025, 2026 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 700 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 324355.32 | 54.1 | No | 79.9 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 28452391 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 10.750% | 10.750% | $3267.18 | No |  | $11798.76 | $983.23 | $2841.96 | $236.83 | $0.00 | $0.00 | $2102.44 | $6589.68 |  | N/A | XXXX |  | $0.00 | XXXX |  | 114703.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.085 | 1.085 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXX | XXXX | VA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 700 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 2564.40 | 0.4 | No | 70.43 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  |
| 25648019 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 10.000% | 10.000% | $3071.50 | No |  | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $5556.69 | $8628.19 | $18819.54 | N/A | XXXX |  | $0.00 | XXXX |  | 40.55% | 40.55% | 40.55% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - ["2025","2026"] - 2025, 2026 | Borrower - ["2025","2026"] - 2025, 2026 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 700 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 337700.47 | 39.1 | No | 72.06 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 28023308 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.875% | 8.875% | $596.73 | No |  | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $2822.08 | $3418.81 | $8161.67 | N/A | XXXX |  | $0.00 | XXXX |  | 47.18% | 47.18% | 47.18% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | CA | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 764 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 49459.50 | 14.5 | No | 27.7 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX | XXXX |  |  |
| 28499708 | XXXX | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.990% | 8.990% | $1485.21 | No |  | $4680.60 | $390.05 | $3299.04 | $274.92 | $1299.96 | $108.33 | $2768.19 | $5026.70 | $98387.98 | Yes | XXXX | FL | $108.33 | XXXX | Monthly | 23.32% | 23.72% | 23.72% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - ["2025"] - 2025 | Borrower - ["2025"] - 2025 | XXXX | XXXX | FL | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 795 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA | XXXX | XXXX | 0 | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | XXXX | 0 | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | XXXX | XXXX | XXXX | XXXX | XXXX | N/A | XXXX | XXXX |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | .00 | 0 | 173295.96 | 34.5 | No | 74.75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XXXX | XXXX |  |  |

---

## Exhibit 99.6

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.6 - Schedule 5**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 26116765 | XXXX | XXXX | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| 26247660 | XXXX | XXXX | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| 25708156 | XXXX | XXXX | XXXX | XXXX | manual | XXXX | XXXX | XXXX |
| 25708156 | XXXX | XXXX | XXXX | XXXX | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 25708156 | XXXX | XXXX | XXXX | XXXX | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 22899937 | XXXX | XXXX | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| 25932822 | XXXX | XXXX | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| 28342088 | XXXX | XXXX | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| 26608984 | XXXX | XXXX | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 26608984 | XXXX | XXXX | XXXX | XXXX | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 26608984 | XXXX | XXXX | XXXX | XXXX | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 26608984 | XXXX | XXXX | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 26608984 | XXXX | XXXX | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 24431604 | XXXX | XXXX | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| 26488988 | XXXX | XXXX | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| 22528278 | XXXX | XXXX | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 22528278 | XXXX | XXXX | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| 22959337 | XXXX | XXXX | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| 27348557 | XXXX | XXXX | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| 24654283 | XXXX | XXXX | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 24654283 | XXXX | XXXX | XXXX | XXXX | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 24654283 | XXXX | XXXX | XXXX | XXXX | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 20812097 | XXXX | XXXX | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 20812097 | XXXX | XXXX | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 20812097 | XXXX | XXXX | XXXX | XXXX | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 20812097 | XXXX | XXXX | XXXX | XXXX | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 25609447 | XXXX | XXXX | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 24703235 | XXXX | XXXX | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 24703235 | XXXX | XXXX | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| 23480148 | XXXX | XXXX | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| 29270442 | XXXX | XXXX | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| 22251419 | XXXX | XXXX | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| 29592295 | XXXX | XXXX | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| 24366826 | XXXX | XXXX | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| 27486858 | XXXX | XXXX | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| 25245281 | XXXX | XXXX | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| 22823904 | XXXX | XXXX | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| 28200143 | XXXX | XXXX | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 28200143 | XXXX | XXXX | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| 20584742 | XXXX | XXXX | XXXX | XXXX | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 20584742 | XXXX | XXXX | XXXX | XXXX | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 25265776 | XXXX | XXXX | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 26416244 | XXXX | XXXX | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| 26416244 | XXXX | XXXX | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 27793140 | XXXX | XXXX | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| 24680970 | XXXX | XXXX | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| 24680970 | XXXX | XXXX | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 22408590 | XXXX | XXXX | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 22408590 | XXXX | XXXX | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| 20465323 | XXXX | XXXX | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| 25090294 | XXXX | XXXX | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| 23681074 | XXXX | XXXX | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 23681074 | XXXX | XXXX | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 22758607 | XXXX | XXXX | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 22758607 | XXXX | XXXX | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 22758607 | XXXX | XXXX | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 29562563 | XXXX | XXXX | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 29562563 | XXXX | XXXX | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 29562563 | XXXX | XXXX | XXXX | XXXX | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 29562563 | XXXX | XXXX | XXXX | XXXX | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 21997749 | XXXX | XXXX | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| 25842759 | XXXX | XXXX | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| 25563759 | XXXX | XXXX | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 25563759 | XXXX | XXXX | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 25563759 | XXXX | XXXX | XXXX | XXXX | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 25563759 | XXXX | XXXX | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 21137572 | XXXX | XXXX | XXXX | XXXX | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 21137572 | XXXX | XXXX | XXXX | XXXX | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 21137572 | XXXX | XXXX | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 29702124 | XXXX | XXXX | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| 28763405 | XXXX | XXXX | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| 28177485 | XXXX | XXXX | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| 25987521 | XXXX | XXXX | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| 25543916 | XXXX | XXXX | XXXX | XXXX | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 25543916 | XXXX | XXXX | XXXX | XXXX | businessPurposeApprovalandGuidelinePage | XXXX | XXXX | XXXX |
| 25543916 | XXXX | XXXX | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 27232788 | XXXX | XXXX | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 23704296 | XXXX | XXXX | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 23704296 | XXXX | XXXX | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 23704296 | XXXX | XXXX | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 23704296 | XXXX | XXXX | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 23704296 | XXXX | XXXX | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 23704296 | XXXX | XXXX | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 23704296 | XXXX | XXXX | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 23704296 | XXXX | XXXX | XXXX | XXXX | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 23704296 | XXXX | XXXX | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| 23704296 | XXXX | XXXX | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 23704296 | XXXX | XXXX | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 20604242 | XXXX | XXXX | XXXX | XXXX | businessPurposePage | XXXX | XXXX | XXXX |
| 20604242 | XXXX | XXXX | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 20604242 | XXXX | XXXX | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 20604242 | XXXX | XXXX | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 20604242 | XXXX | XXXX | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 20604242 | XXXX | XXXX | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 20604242 | XXXX | XXXX | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 20604242 | XXXX | XXXX | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 20604242 | XXXX | XXXX | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| 20604242 | XXXX | XXXX | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 20604242 | XXXX | XXXX | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 22400768 | XXXX | XXXX | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 22400768 | XXXX | XXXX | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 22400768 | XXXX | XXXX | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 22400768 | XXXX | XXXX | XXXX | XXXX | propertyValuationPage | XXXX | XXXX | XXXX |
| 22400768 | XXXX | XXXX | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 22400768 | XXXX | XXXX | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 22400768 | XXXX | XXXX | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 22400768 | XXXX | XXXX | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 22400768 | XXXX | XXXX | XXXX | XXXX | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 22400768 | XXXX | XXXX | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| 22400768 | XXXX | XXXX | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 29106117 | XXXX | XXXX | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 29106117 | XXXX | XXXX | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 29106117 | XXXX | XXXX | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 29106117 | XXXX | XXXX | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 29106117 | XXXX | XXXX | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 29106117 | XXXX | XXXX | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 29106117 | XXXX | XXXX | XXXX | XXXX | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 29106117 | XXXX | XXXX | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 29106117 | XXXX | XXXX | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 21266787 | XXXX | XXXX | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| 26824949 | XXXX | XXXX | XXXX | XXXX | titlePage | XXXX | XXXX | XXXX |
| 21677974 | XXXX | XXXX | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 21677974 | XXXX | XXXX | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 21677974 | XXXX | XXXX | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 21677974 | XXXX | XXXX | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 21677974 | XXXX | XXXX | XXXX | XXXX | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 21677974 | XXXX | XXXX | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| 21677974 | XXXX | XXXX | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 26538251 | XXXX | XXXX | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 26538251 | XXXX | XXXX | XXXX | XXXX | businessPurposePage | XXXX | XXXX | XXXX |
| 26538251 | XXXX | XXXX | XXXX | XXXX | the1003Page | XXXX | XXXX | XXXX |
| 26538251 | XXXX | XXXX | XXXX | XXXX | notePage | XXXX | XXXX | XXXX |
| 26538251 | XXXX | XXXX | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 26538251 | XXXX | XXXX | XXXX | XXXX | employmentIncomePage | XXXX | XXXX | XXXX |
| 26538251 | XXXX | XXXX | XXXX | XXXX | assetPage | XXXX | XXXX | XXXX |
| 26538251 | XXXX | XXXX | XXXX | XXXX | diligenceFinalLookPage | XXXX | XXXX | XXXX |
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---

## Exhibit 99.7

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.7**

![](ex997001.jpg)

**Overview**

The StoneHill Group, Inc. ("TSG") performed certain due diligence services (the "Review") described below on loans backed by residential properties (both residential mortgage loans and small balance commercial loans secured by residential properties or mixed-use properties being leased to generate income; together the "Loans") acquired by Vista Point Mortgage, LLC (the "Client"). The Review took place from December 2025 – March 2026 on Loans with origination dates in December 2025 – March 2026 on files imaged and provided by the Client or its designee.

**Sample size of the assets reviewed.**

During the securitization review process, the Client may have removed loans that were reviewed by TSG from the securitization for paid-in-full mortgage loans or other undisclosed items to TSG. The final population of the Review included 106 Loans totaling an original principal balance of approximately $$23,090,008.00. The review conducted by TSG covered 100% of the securitization loan population to the best of TSG's knowledge and understanding.

Within this population (the "Residential Population") there were 83 Loans that were reviewed by TSG according to nationally recognized statistical rating organizations (NRSRO(s)) standards. NRSRO standards include guidance for compliance, credit, and valuation, among others.

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

The Review was conducted consistent with the criteria, as may be relevant for this securitization, for the NRSRO(s) identified in Item 3 of the ABS Due Diligence-15E.

**Quality of information or data about the assets: review and methodology.**

TSG compared data fields on the bid tape provided by the Client to the data found in the Loan file as captured during the Review. The fields captured varied dependent upon such Loan being in the Residential Population or the SBCRE Population as defined below. Additional detail can be found in the result summary for Data Integrity below.

**NRSRO/RESIDENTIAL POPULATION (67 Fields)**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;AllBorrowerTotalIncome | &nbsp;&nbsp;HOAFlag | &nbsp;&nbsp;PropertyCity |
| &nbsp;&nbsp;AmortizationTerm | &nbsp;&nbsp;InitialMonthlyPIOrIOPayment | &nbsp;&nbsp;PropertyCounty |
| &nbsp;&nbsp;AmountofOtherLien | &nbsp;&nbsp;InterestOnlyFlag | &nbsp;&nbsp;PropertyState |
| &nbsp;&nbsp;ApplicationDate | &nbsp;&nbsp;InterestRate | &nbsp;&nbsp;PropertyTaxAmount |
| &nbsp;&nbsp;B1BirthDate | &nbsp;&nbsp;LienPosition | &nbsp;&nbsp;PropertyType |
| &nbsp;&nbsp;B1Citizen | &nbsp;&nbsp;LoanAmount | &nbsp;&nbsp;PropertyValue |
| &nbsp;&nbsp;B1EmailorInternet | &nbsp;&nbsp;LoanID | &nbsp;&nbsp;PropertyZipCode |
| &nbsp;&nbsp;B1FirstName | &nbsp;&nbsp;LoanProgram | &nbsp;&nbsp;ProposedRealEstateTaxes |
| &nbsp;&nbsp;B1LastName | &nbsp;&nbsp;LoanPurpose | &nbsp;&nbsp;QualifyingCLTV |
| &nbsp;&nbsp;B1OriginationFICO | &nbsp;&nbsp;MaturityDate | &nbsp;&nbsp;QualifyingFICO |
| &nbsp;&nbsp;B1OriginatorCitizenshipDesignation | &nbsp;&nbsp;MINNo | &nbsp;&nbsp;QualifyingLTV |
| &nbsp;&nbsp;B1PhoneNumber | &nbsp;&nbsp;NoteDate | &nbsp;&nbsp;QualifyingTotalDebtIncomeRatio |
| &nbsp;&nbsp;B1SSN | &nbsp;&nbsp;NumberofUnits | &nbsp;&nbsp;RefinanceType |
| &nbsp;&nbsp;B1TotalIncome | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Term |
| &nbsp;&nbsp;B2Citizen | &nbsp;&nbsp;OriginatorDocType | &nbsp;&nbsp;ULI |
| &nbsp;&nbsp;B2FirstName | &nbsp;&nbsp;OriginatorDSCR | &nbsp;&nbsp;UnderwritingGuidelineName |
| &nbsp;&nbsp;B2LastName | &nbsp;&nbsp;OriginatorQMStatus | &nbsp;&nbsp;UnderwritingGuidelineProductName |
| &nbsp;&nbsp;B2SSN | &nbsp;&nbsp;OtherLienLoanId | &nbsp;&nbsp;UnderwritingGuidelineVersionDate |
| &nbsp;&nbsp;BalloonFlag | &nbsp;&nbsp;PrepaymentPenalty | &nbsp;&nbsp;VestedBusinessEntityName |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;PrepaymentPenaltyFlag |  |
| &nbsp;&nbsp;CashDisbursementDate | &nbsp;&nbsp;PrepaymentPenaltyTotalTerm |  |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;PrepaymentPenaltyType |  |
| &nbsp;&nbsp;CreditQMATRDesignation | &nbsp;&nbsp;PrimaryAppraisedPropertyValue |  |
| &nbsp;&nbsp;FirstPaymentDate | &nbsp;&nbsp;PropertyAddress |  |

---

![](ex997001.jpg)

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

TSG's review was differentiated by the purpose of the loan in question and the guidelines for such loan origination. The description below differentiates between the Residential Population and the SBCRE Population.

**Residential Population (83 Loans)**

TSG reviewed assets at origination to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements, including, as applicable for the Residential Population, the Ability to Repay and Qualified Mortgage requirements described below, that were provided to TSG. As 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, TSG 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:** TSG'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, TSG: (i) captured the monthly consumer debt payments for use in required calculations as required by guidelines, (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 required by guidelines, 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:** TSG 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.

**Asset Review:** TSG 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, TSG completed a review of large deposits and completed the reserve calculation. 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).

![](ex997001.jpg)

**Hazard/Flood Insurance/Taxes:** A review of the insurance present on the mortgage loan was conducted. During the course of this review, TSG (i) verified that the hazard insurance met the minimum required amount of coverage in the guidelines, (ii) confirmed that the mortgagee 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.

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

**Fraud Review:** TSG 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, TSG conditioned the mortgage loan for the missing fraud report product.

If a report was present, TSG 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, TSG 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:** TSG's review included a review of the chain of title and the time 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:** TSG 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 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 or other applicable approved formats at the time of origination.

TSG also 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 (if required by loan product guidelines).

![](ex997001.jpg)

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 History\* | &nbsp;&nbsp;Certification(s) of Non-Owner Occupancy and Indemnity\* |
| &nbsp;&nbsp;Background check | &nbsp;&nbsp;Environmental reports |  |

---

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

TSG'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. TSG's review included verifying the appraisal report was (i) on the appropriate GSE form (for the Residential Population), (ii) materially complete, (iii) in conformity with the guideline requirements for the property type, (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, (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 obtained from the appropriate authorities.

Regarding the use of comparable properties, TSG'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.

Additional facets of TSG'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 were followed, (iii) noting whether the property zip code was declared a FEMA disaster area after the valuation date and notifying the Client if necessary (iv) confirming the appraisal report does not include any obvious 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 TSG, or if the valuation product was not directly accessible that another valuation product was directly accessible to TSG was ordered in accordance with the Client's specific valuation waterfall process. If more than one valuation was provided, TSG confirmed consistency among the valuation products. If there were discrepancies identified that could not be resolved, TSG created an exception.

![](ex997001.jpg)

**Residential Population (83 Loans)**

Please be advised that TSG did not determine whether the mortgage loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly stated 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 TSG are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which TSG is relying in reaching such findings.

Regarding TILA-RESPA Integrated Disclosure ("TRID") testing, TSG implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on the RMBS 3.0 TRID Compliance Review Scope published by the Structured Finance Industry Group (the "SFIG Compliance Review Scope"). TSG will work with outside counsel as needed 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 TSG 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. TSG has worked closely with the NRSROs and the Client to disclose, as mutually agreed upon by the parties, the relevant exceptions per TSG's suggested review implementation as reviewed by outside counsel; however, no assurances can be provided and/or are given that TSG has included within its Review all areas that may represent risk to the securitization trust, or that areas of risk identified by TSG will result in the potential level of risk indicated by an Event Level or NRSRO grade. Please note that investment properties were excluded from TRID testing.

Please be further advised that TSG does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by TSG do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to TSG. Information contained in any TSG 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 TSG 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 TSG 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. TSG does not make any representation or warranty as to the value of any mortgage loan or mortgage loans collateral that has been reviewed by TSG.

TSG 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):</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.

![](ex997001.jpg)

&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>Tolerances (§§1026.18, 22 and 23):</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.

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

&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;e) <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.

&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> 

&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, TSG 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,
 TSG'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;g) <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;h) <u>Mandatory Arbitration Clauses (§1026.36):</u> 

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

&nbsp;&nbsp;&nbsp;&nbsp;i) <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;j) <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.

![](ex997001.jpg)

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

iii) confirm that certain sections of each LE determined to carry assignee liability 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 any written estimate of terms or costs provided prior to receipt of a LE contained
 the required disclosures;

![](ex997001.jpg)

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);

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;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 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 Industry Group ("SFIG") 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 SFIG 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)).

TSG 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). TSG will determine the mortgage loan's status under the ATR or QM rule requirements and assigns a due diligence mortgage loan designation. Generally, TSG notes as a material exception if the due diligence findings do not confirm the originator's mortgage loan designation. Additionally, TSG notes if an originator mortgage loan designation was not provided.

![](ex997001.jpg)

**Qualified Mortgage**

With respect to Qualified Mortgage designated mortgage loans, TSG reviews the mortgage loan to determine whether, based on available information in the mortgage loan file and information provided to us by the client regarding Revised QM options chosen by the institution during the optional adoption period from March 1, 2021 through July 1, 2021: (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) for loans with application dates prior to July 1, 2021, at the time of consummation, if the debt-to-income ratio exceeds 43% (calculated in accordance with Appendix Q to Regulation Z); for loans with application dates of July 1, 2021 or after, at the interest rate-lock date, that the Price-Based Limitation calculation meets the requirement of the APR not exceeding the APOR for a comparable transaction by 2.25% or more.. 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, TSG reviews the mortgage loan to determine whether, based on available information in the mortgage loan file, if the mortgage loan satisfied the requirements in the preceding paragraph. In addition, TSG reviews the Automated Underwriting System output within the file to confirm agency eligibility.

For each QM designated mortgage loan with an application date prior to July 1, 2021, that satisfied the applicable requirements enumerated above, TSG then determines whether the mortgage loan is a Safe Harbor QM or Higher Priced QM by comparing the mortgage loan's actual annual percentage rate, as recalculated, to the applicable average prime offer rate plus a certain applicable percentage. The Review also includes determining, as applicable, whether a mortgage loan is a qualified mortgage as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.).

For each QM designated mortgage loan that does not satisfy the applicable requirements enumerated above, TSG 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.

**General Ability to Repay**

TSG 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.

TSG 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"). TSG 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. TSG's review is based on information contained in the mortgage loan file at the time it is provided to TSG 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;

![](ex997001.jpg)

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

**(VII) 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;**

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

**(IX) Recording Review**

TSG 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 TSG reviewed the mortgage loans and thus have not yet been recorded. TSG 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, TSG will analyze and capture data from the source documents identified in the Document Review below, as applicable.

**(X) FIRREA Review**

TSG confirmed that the appraiser and the appraisal made by such appraiser both satisfied the requirements of Title XI of FIRREA. Specifically, TSG 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.

**(XI) Document Review**

TSG 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
 and/or 4506C as applicable;

&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;

![](ex997001.jpg)

&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.

**Item 5. Summary of findings and conclusions of review**

The NRSRO criteria referenced for this report and utilized for grading descriptions is based upon the requirements of the NRSROs listed in Item 3 above.

**OVERALL RESULTS GRADING SUMMARY**

After considering the grading implications of the Compliance, Credit, and Property/Valuation sections below, 100% of the Loans by number in the pool possessed a grade of "A" or "B".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Rating Agency Final Overall Grade Summary** | &nbsp;&nbsp;**Rating Agency Final Overall Grade Summary** | &nbsp;&nbsp;**Rating Agency Final Overall Grade Summary** |
| &nbsp;&nbsp;**Overall** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;88 | &nbsp;&nbsp;83.02% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;18 | &nbsp;&nbsp;16.98% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**106** | &nbsp;&nbsp;**100.0%** |

---

**COMPLIANCE RESULTS SUMMARY**

106 Loans (100%) received an "A" compliance grade, and 0 Loans received a compliance grade of "B"

The resulting Compliance Grades for the mortgage loans are as follows:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** | &nbsp;&nbsp;**Final Compliance Grade Summary** |
| &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;106 | &nbsp;&nbsp;100.0% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.0% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**106** | &nbsp;&nbsp;**100.0%** |

---

![](ex997001.jpg)

**CREDIT RESULTS SUMMARY**

Within the securitization population, 100% of the Loans possessed an "A" or "B" grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** | &nbsp;&nbsp;**Final Credit Grade Summary** |
| &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;88 | &nbsp;&nbsp;83.02% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;18 | &nbsp;&nbsp;16.98% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**106** | &nbsp;&nbsp;**100.0%** |

---

**PROPERTY RESULTS SUMMARY**

Within the securitization population, 60.37% of the Loans possessed an "A" grade, and 0 Loans possessed a "B" grade. The remaining 39.63%, 42 loans, possessed a grade of N/A as allowed for second lien loans where there is a primary valuation in file but without a secondary valuation product.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** | &nbsp;&nbsp;**Final Property Grade Summary** |
| &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**# of Mortgage Loans** | &nbsp;&nbsp;**% of Mortgage Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;64 | &nbsp;&nbsp;60.37% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.0% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;42 | &nbsp;&nbsp;39.63% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**106** | &nbsp;&nbsp;**100.0%** |

---

**DATA INTEGRITY REVIEW RESULTS SUMMARY**

TSG verified data field variances across 67 unique data fields. Some Loans may have exhibited multiple variances which, in some cases, may have resulted from blank data in a submitted data tape. A summary is provided below:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;AllBorrowerTotalIncome | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;AmortizationTerm | &nbsp;&nbsp;1 | &nbsp;&nbsp;96 | &nbsp;&nbsp;1.04% |
| &nbsp;&nbsp;AmountofOtherLien | &nbsp;&nbsp;34 | &nbsp;&nbsp;34 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;ApplicationDate | &nbsp;&nbsp;20 | &nbsp;&nbsp;40 | &nbsp;&nbsp;50% |
| &nbsp;&nbsp;B1BirthDate | &nbsp;&nbsp;2 | &nbsp;&nbsp;40 | &nbsp;&nbsp;5% |
| &nbsp;&nbsp;B1Citizen | &nbsp;&nbsp;0 | &nbsp;&nbsp;36 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1EmailorInternet | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;B1FirstName | &nbsp;&nbsp;16 | &nbsp;&nbsp;105 | &nbsp;&nbsp;15.24% |
| &nbsp;&nbsp;B1LastName | &nbsp;&nbsp;2 | &nbsp;&nbsp;106 | &nbsp;&nbsp;1.88% |
| &nbsp;&nbsp;B1OriginationFICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1OriginatorCitizenshipDesignation | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1PhoneNumber | &nbsp;&nbsp;6 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100% |

---

![](ex997001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;B1SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;40 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B1TotalIncome | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B2Citizen | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;B2FirstName | &nbsp;&nbsp;1 | &nbsp;&nbsp;8 | &nbsp;&nbsp;12.5% |
| &nbsp;&nbsp;B2LastName | &nbsp;&nbsp;1 | &nbsp;&nbsp;8 | &nbsp;&nbsp;12.5% |
| &nbsp;&nbsp;B2SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;BalloonFlag | &nbsp;&nbsp;2 | &nbsp;&nbsp;40 | &nbsp;&nbsp;5% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;4 | &nbsp;&nbsp;38 | &nbsp;&nbsp;10.53% |
| &nbsp;&nbsp;CashDisbursementDate | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;71 | &nbsp;&nbsp;93 | &nbsp;&nbsp;76.34% |
| &nbsp;&nbsp;CreditQMATRDesignation | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;FirstPaymentDate | &nbsp;&nbsp;0 | &nbsp;&nbsp;40 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;HOAFlag | &nbsp;&nbsp;2 | &nbsp;&nbsp;6 | &nbsp;&nbsp;33.33% |
| &nbsp;&nbsp;InitialMonthlyPIOrIOPayment | &nbsp;&nbsp;0 | &nbsp;&nbsp;4 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;InterestOnlyFlag | &nbsp;&nbsp;2 | &nbsp;&nbsp;40 | &nbsp;&nbsp;5% |
| &nbsp;&nbsp;InterestRate | &nbsp;&nbsp;6 | &nbsp;&nbsp;106 | &nbsp;&nbsp;5.66% |
| &nbsp;&nbsp;LienPosition | &nbsp;&nbsp;0 | &nbsp;&nbsp;40 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;LoanAmount | &nbsp;&nbsp;34 | &nbsp;&nbsp;95 | &nbsp;&nbsp;35.79% |
| &nbsp;&nbsp;LoanID | &nbsp;&nbsp;15 | &nbsp;&nbsp;106 | &nbsp;&nbsp;14.15% |
| &nbsp;&nbsp;LoanProgram | &nbsp;&nbsp;12 | &nbsp;&nbsp;19 | &nbsp;&nbsp;63.16% |
| &nbsp;&nbsp;LoanPurpose | &nbsp;&nbsp;24 | &nbsp;&nbsp;106 | &nbsp;&nbsp;22.64% |
| &nbsp;&nbsp;MaturityDate | &nbsp;&nbsp;0 | &nbsp;&nbsp;38 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;MINNo | &nbsp;&nbsp;1 | &nbsp;&nbsp;37 | &nbsp;&nbsp;2.7% |
| &nbsp;&nbsp;NoteDate | &nbsp;&nbsp;1 | &nbsp;&nbsp;40 | &nbsp;&nbsp;2.5% |
| &nbsp;&nbsp;NumberofUnits | &nbsp;&nbsp;0 | &nbsp;&nbsp;40 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;26 | &nbsp;&nbsp;98 | &nbsp;&nbsp;26.53% |
| &nbsp;&nbsp;OriginatorDocType | &nbsp;&nbsp;13 | &nbsp;&nbsp;15 | &nbsp;&nbsp;86.67% |
| &nbsp;&nbsp;OriginatorDSCR | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;OriginatorQMStatus | &nbsp;&nbsp;11 | &nbsp;&nbsp;47 | &nbsp;&nbsp;23.4% |
| &nbsp;&nbsp;OtherLienLoanId | &nbsp;&nbsp;2 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;PrepaymentPenalty | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;PrepaymentPenaltyFlag | &nbsp;&nbsp;2 | &nbsp;&nbsp;14 | &nbsp;&nbsp;14.29% |
| &nbsp;&nbsp;PrepaymentPenaltyTotalTerm | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;PrepaymentPenaltyType | &nbsp;&nbsp;6 | &nbsp;&nbsp;52 | &nbsp;&nbsp;11.54% |
| &nbsp;&nbsp;PrimaryAppraisedPropertyValue | &nbsp;&nbsp;0 | &nbsp;&nbsp;35 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;PropertyAddress | &nbsp;&nbsp;4 | &nbsp;&nbsp;106 | &nbsp;&nbsp;3.77% |
| &nbsp;&nbsp;PropertyCity | &nbsp;&nbsp;2 | &nbsp;&nbsp;106 | &nbsp;&nbsp;1.89% |
| &nbsp;&nbsp;PropertyCounty | &nbsp;&nbsp;1 | &nbsp;&nbsp;39 | &nbsp;&nbsp;2.56% |
| &nbsp;&nbsp;PropertyState | &nbsp;&nbsp;1 | &nbsp;&nbsp;106 | &nbsp;&nbsp;0.94% |

---

![](ex997001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;PropertyTaxAmount | &nbsp;&nbsp;3 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;PropertyType | &nbsp;&nbsp;65 | &nbsp;&nbsp;106 | &nbsp;&nbsp;61.32% |
| &nbsp;&nbsp;PropertyValue | &nbsp;&nbsp;0 | &nbsp;&nbsp;5 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;PropertyZipCode | &nbsp;&nbsp;1 | &nbsp;&nbsp;104 | &nbsp;&nbsp;0.96% |
| &nbsp;&nbsp;ProposedRealEstateTaxes | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;QualifyingCLTV | &nbsp;&nbsp;10 | &nbsp;&nbsp;12 | &nbsp;&nbsp;83.33% |
| &nbsp;&nbsp;QualifyingFICO | &nbsp;&nbsp;8 | &nbsp;&nbsp;94 | &nbsp;&nbsp;8.51% |
| &nbsp;&nbsp;QualifyingLTV | &nbsp;&nbsp;17 | &nbsp;&nbsp;41 | &nbsp;&nbsp;41.46% |
| &nbsp;&nbsp;QualifyingTotalDebtIncomeRatio | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;RefinanceType | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;0% |
| &nbsp;&nbsp;ULI | &nbsp;&nbsp;34 | &nbsp;&nbsp;40 | &nbsp;&nbsp;85% |
| &nbsp;&nbsp;UnderwritingGuidelineName | &nbsp;&nbsp;1 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;UnderwritingGuidelineProductName | &nbsp;&nbsp;43 | &nbsp;&nbsp;43 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;UnderwritingGuidelineVersionDate | &nbsp;&nbsp;7 | &nbsp;&nbsp;8 | &nbsp;&nbsp;87.5% |
| &nbsp;&nbsp;VestedBusinessEntityName | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0% |

---

**ADDITIONAL MORTGAGE LOAN POPULATION SUMMARY**

*The % of Loans totals may not add up to 100% due to rounding.*

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;106 | &nbsp;&nbsp;100.0% | &nbsp;&nbsp;$23090008.00 | &nbsp;&nbsp;100.0% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**106** | &nbsp;&nbsp;**100.0%** | &nbsp;&nbsp;**$23090008.00** | &nbsp;&nbsp;**100.0%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;82 | &nbsp;&nbsp;77.36% | &nbsp;&nbsp;$18243863.00 | &nbsp;&nbsp;79.01% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.94% | &nbsp;&nbsp;$279516.00 | &nbsp;&nbsp;1.21% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;23 | &nbsp;&nbsp;21.7% | &nbsp;&nbsp;$4566629.00 | &nbsp;&nbsp;19.78% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**106** | &nbsp;&nbsp;**100.0%** | &nbsp;&nbsp;**$23090008.00** | &nbsp;&nbsp;**100.0%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;63 | &nbsp;&nbsp;59.43% | &nbsp;&nbsp;$14345849.00 | &nbsp;&nbsp;62.13% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;26 | &nbsp;&nbsp;24.53% | &nbsp;&nbsp;$5834600.00 | &nbsp;&nbsp;25.27% |
| &nbsp;&nbsp;Two to Four Unit | &nbsp;&nbsp;11 | &nbsp;&nbsp;10.38% | &nbsp;&nbsp;$2216729.00 | &nbsp;&nbsp;9.6% |
| &nbsp;&nbsp;Townhouse | &nbsp;&nbsp;3 | &nbsp;&nbsp;2.83% | &nbsp;&nbsp;$260300.00 | &nbsp;&nbsp;1.13% |
| &nbsp;&nbsp;Condominium | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.89% | &nbsp;&nbsp;$369830.00 | &nbsp;&nbsp;1.6% |
| &nbsp;&nbsp;Single Family Attached | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.94% | &nbsp;&nbsp;$62700.00 | &nbsp;&nbsp;0.27% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**106** | &nbsp;&nbsp;**100.0%** | &nbsp;&nbsp;**$23090008.00** | &nbsp;&nbsp;**100.0%** |

---

![](ex997001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;106 | &nbsp;&nbsp;100.0% | &nbsp;&nbsp;$23090008.00 | &nbsp;&nbsp;100.0% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**106** | &nbsp;&nbsp;**100.0%** | &nbsp;&nbsp;**$23090008.00** | &nbsp;&nbsp;**100.0%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Property State** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;CA | &nbsp;&nbsp;48 | &nbsp;&nbsp;45.28% | &nbsp;&nbsp;$12778324.00 | &nbsp;&nbsp;55.34% |
| &nbsp;&nbsp;NJ | &nbsp;&nbsp;9 | &nbsp;&nbsp;8.49% | &nbsp;&nbsp;$2374800.00 | &nbsp;&nbsp;10.28% |
| &nbsp;&nbsp;FL | &nbsp;&nbsp;7 | &nbsp;&nbsp;6.6% | &nbsp;&nbsp;$1310010.00 | &nbsp;&nbsp;5.67% |
| &nbsp;&nbsp;NC | &nbsp;&nbsp;4 | &nbsp;&nbsp;3.77% | &nbsp;&nbsp;$613000.00 | &nbsp;&nbsp;2.65% |
| &nbsp;&nbsp;AZ | &nbsp;&nbsp;4 | &nbsp;&nbsp;3.77% | &nbsp;&nbsp;$875000.00 | &nbsp;&nbsp;3.79% |
| &nbsp;&nbsp;NY | &nbsp;&nbsp;3 | &nbsp;&nbsp;2.83% | &nbsp;&nbsp;$836719.00 | &nbsp;&nbsp;3.62% |
| &nbsp;&nbsp;VA | &nbsp;&nbsp;3 | &nbsp;&nbsp;2.83% | &nbsp;&nbsp;$772000.00 | &nbsp;&nbsp;3.34% |
| &nbsp;&nbsp;CO | &nbsp;&nbsp;3 | &nbsp;&nbsp;2.83% | &nbsp;&nbsp;$317007.00 | &nbsp;&nbsp;1.37% |
| &nbsp;&nbsp;PA | &nbsp;&nbsp;3 | &nbsp;&nbsp;2.83% | &nbsp;&nbsp;$308468.00 | &nbsp;&nbsp;1.34% |
| &nbsp;&nbsp;UT | &nbsp;&nbsp;3 | &nbsp;&nbsp;2.83% | &nbsp;&nbsp;$489000.00 | &nbsp;&nbsp;2.12% |
| &nbsp;&nbsp;OR | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.89% | &nbsp;&nbsp;$421500.00 | &nbsp;&nbsp;1.83% |
| &nbsp;&nbsp;WA | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.89% | &nbsp;&nbsp;$162830.00 | &nbsp;&nbsp;0.71% |
| &nbsp;&nbsp;SC | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.89% | &nbsp;&nbsp;$431000.00 | &nbsp;&nbsp;1.87% |
| &nbsp;&nbsp;MA | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.89% | &nbsp;&nbsp;$124000.00 | &nbsp;&nbsp;0.54% |
| &nbsp;&nbsp;MD | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.89% | &nbsp;&nbsp;$139750.00 | &nbsp;&nbsp;0.61% |
| &nbsp;&nbsp;GA | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.89% | &nbsp;&nbsp;$217600.00 | &nbsp;&nbsp;0.94% |
| &nbsp;&nbsp;TN | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.89% | &nbsp;&nbsp;$525000.00 | &nbsp;&nbsp;2.27% |
| &nbsp;&nbsp;MI | &nbsp;&nbsp;2 | &nbsp;&nbsp;1.89% | &nbsp;&nbsp;$225000.00 | &nbsp;&nbsp;0.97% |
| &nbsp;&nbsp;NV | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.94% | &nbsp;&nbsp;$53000.00 | &nbsp;&nbsp;0.23% |
| &nbsp;&nbsp;LA | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.94% | &nbsp;&nbsp;$66000.00 | &nbsp;&nbsp;0.29% |
| &nbsp;&nbsp;OH | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.94% | &nbsp;&nbsp;$50000.00 | &nbsp;&nbsp;0.22% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**106** | &nbsp;&nbsp;**100.0%** | &nbsp;&nbsp;**$23090008.00** | &nbsp;&nbsp;**100.0%** |

---

## Exhibit 99.7

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.7 - Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **EDGAR 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?** |
| REDACTED |  | **10326533** | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | APOR Threshold | No | Yes | Yes | No | No | No | No | No | No | No | No | 770.03 | 10.299 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | **15058105** | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | 3216.25 | 8.943 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | **17278618** | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 3768.71 | 8.696 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Retired | Employed | No | No | No |  |
| REDACTED |  | **12318729** | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | 895 | 8.347 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | **18833880** | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | Yes | 14014 | 9.111 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | **10949718** | REDACTED | 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 | 3426.25 | 10.817 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | No | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | **13432267** | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | Yes | 9040 | 8.432 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | **18796706** | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | Yes | 11107.76 | 9.734 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | **13923313** | REDACTED | 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 | 7053.5 | 9.983 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | **18953028** | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | 2690 | 8.456 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | **17501895** | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2500 | 7.927 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | **15796999** | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | 1425 | 8.08 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Retired | Retired | No | No | No |  |
| REDACTED |  | **10550816** | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Yes |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | Yes | N/A |
| REDACTED |  | **16702977** | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | 1690 | 8.386 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | **13934482** | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | Yes | 8890 | 8.587 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | **12550881** | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | 495 | 8.708 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | N/A | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | **10311008** | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Yes |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed | Not Employed | No | No | Yes | N/A |
| REDACTED |  | **12825225** | REDACTED | 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 | 3030 | 10.376 | Yes | Yes | N/A | Yes | Yes | Yes | No | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | **13224521** | REDACTED | 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 | 3255 | 10.992 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | **15797266** | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | 7795 | 8.997 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | **15932688** | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| REDACTED |  | **17284746** | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | 1995 | 8.439 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | **13265383** | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | Yes | 10245 | 8.174 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | **14091423** | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | Yes | No | No | No | 1430 | 8.071 | Yes | Yes | Yes | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | **11868703** | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | 1595 | 8.638 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | **12677363** | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | 3538.25 | 8.317 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Retired |  | No |  | No |  |
| REDACTED |  | **10723717** | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | 1430 | 8.686 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Not Employed | Employed | No | No | No |  |
| REDACTED |  | **17361516** | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1934.2 | 9.463 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | **17489220** | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2255.77 | 8.912 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | **15111630** | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | 4690 | 8.322 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | **18086704** | REDACTED | 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 | 4480 | 11.079 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | **11816576** | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| REDACTED |  | **13407506** | REDACTED | 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 | 5342.5 | 11.291 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | **10026561** | REDACTED | 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 | 1195 | 12.699 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | **16238301** | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | 8481 | 9.219 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | **14496648** | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | Yes | 9290 | 9.082 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | **11981206** | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | 10785.25 | 8.746 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | **12037112** | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Yes |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | Yes | N/A |
| REDACTED |  | **17045398** | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | 1995 | 8.017 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | **16958668** | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | Yes | 7245 | 9.707 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | **13936667** | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Yes |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed |  | No |  | Yes | N/A |
| REDACTED |  | **17687060** | REDACTED | 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 | 16590.4 | 10.085 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | **16136396** | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | 2000 | 8.466 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | **19044116** | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | Yes | 8835 | 9.358 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | **11946240** | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | 4475 | 9.51 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | **19637789** | REDACTED | 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 | 5355 | 9.845 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | **17779833** | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | 3290 | 8.831 | Yes | No | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | **18646022** | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| REDACTED |  | **16898388** | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| REDACTED |  | **17763194** | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| REDACTED |  | **12066646** | REDACTED | 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 | 5448 | 10.055 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | **10264232** | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A |  | N/A | Employed | Not Employed | No | No | Yes | N/A |
| REDACTED |  | **13952049** | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No | Not Tested |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| REDACTED |  | **11441879** | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No | Not Tested |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| REDACTED |  | **15573051** | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | Yes | Present |
| REDACTED |  | **19440774** | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | 1228.75 | 8.033 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | **15336942** | REDACTED | 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 | 6683.86 | 11.803 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | **16966195** | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| REDACTED |  | **14252905** | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 17145 | 8.672 | Yes | Yes | N/A | Yes | Yes | Yes | No | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | **16199191** | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | 2164.8 | 8.569 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | **10932296** | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | 2785 | 7.839 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | **18266375** | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | 2293.75 | 7.975 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | **14058518** | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 2439.2 | 9.207 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | N/A | Yes | N/A |  | N/A | Not Employed | Not Employed | No | No | No |  |
| REDACTED |  | **14339146** | REDACTED | QM: Rebuttable Presumption DTI (DTI RP) | QM: Rebuttable Presumption DTI (DTI RP) | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 3041.63 | 12.279 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | **18195958** | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | Yes | 5400 | 8.997 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Not Employed | Not Employed | No | No | No |  |
| REDACTED |  | **12282255** | REDACTED | 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 | 3750 | 9.924 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | **13969390** | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | 2461.23 | 7.422 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | **17126027** | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1635 | 9.108 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | **15311614** | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | Yes | 10842.15 | 11.655 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Not Employed |  | No |  | No |  |
| REDACTED |  | **13103459** | REDACTED | 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 | 5548 | 9.932 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | **11355738** | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | Yes | N/A | No | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| REDACTED |  | **11427001** | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | 8295 | 8.631 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | **19351859** | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | No | 2290 | 10.051 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | **14195378** | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | 1594.33 | 8.695 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | **15953419** | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| REDACTED |  | **11364264** | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | 2020 | 8.38 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Retired |  | No |  | No |  |
| REDACTED |  | **10966072** | REDACTED | 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 | 1760 | 10.46 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Retired |  | No |  | No |  |
| REDACTED |  | **17777074** | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 1500 | 8.799 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | **16668034** | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 9645 | 8.936 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 16119.52 | Yes | Employed |  | No |  | No |  |
| REDACTED |  | **18511953** | REDACTED | 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 | 4342.39 | 11.187 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | 3205.9 | Yes | Employed |  | No |  | No |  |
| REDACTED |  | **19360186** | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| REDACTED |  | **18272113** | REDACTED | 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 | 5295 | 12.191 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | **17435810** | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | 12940 | 8.324 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | **12352315** | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | 495 | 8.993 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | **13581137** | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | Yes | Yes | No | No | No | No | No | No | No | No | 5945 | 10.449 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | **13724874** | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | Yes | 9103.6 | 8.358 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | **19428162** | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | 4045 | 8.617 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Not Employed | No | No | No |  |
| REDACTED |  | **15642231** | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| REDACTED |  | **15306482** | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | Yes | Yes | N/A | N/A | Yes | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| REDACTED |  | **11299132** | REDACTED | 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 | 6607.5 | 11.487 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | **17701313** | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | 3170.84 | 8.067 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | **11576164** | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | 1730 | 8.162 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | **10487336** | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | 1500 | 7.705 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | **13435420** | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Yes | No | Yes | No | No | No | No | No | No | No | No | 3493.6 | 12.352 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed | Employed | No | No | No |  |
| REDACTED |  | **13373315** | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | Yes | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| REDACTED |  | **10398416** | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | 795 | 8.292 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | **18930469** | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | 1595 | 8.341 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | **16032430** | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | No | 5880 | 9.433 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | **12274404** | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | Yes | No | No | No | No | No | No | No | No | No | 4602.5 | 8.339 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 29079.05 | Yes | Employed |  | No |  | No |  |
| REDACTED |  | **11301210** | REDACTED | 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 | 3780 | 10.068 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | **18779112** | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | No | No | No | No | No | No | No | No | Yes | 4970 | 8.849 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | **14888390** | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | No | No | Yes | No | No | No | No | No | No | No | No | 3080.8 | 12.016 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | **17464862** | REDACTED | 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 | 5815 | 9.761 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes |  | N/A | Employed |  | No |  | No |  |
| REDACTED |  | **14596849** | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No | No | Yes | Present |
| REDACTED |  | **10591874** | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| REDACTED |  | **17726070** | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | Yes | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |

---

## Exhibit 99.7

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.7 - Schedule 2**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **EDGAR ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| REDACTED |  | **10326533** | REDACTED | Loan ID | manual | REDACTED | REDACTED | FROM THE LOAN ID |
| REDACTED |  | **10326533** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **10326533** | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **10326533** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | **15058105** | REDACTED | Qualifying LTV | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **15058105** | REDACTED | Borrower 1 First Name | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **15058105** | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | Per guidelines |
| REDACTED |  | **15058105** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | **17278618** | REDACTED | Borrower 1 First Name | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **17278618** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | **17278618** | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | Per Guidelines |
| REDACTED |  | **12318729** | REDACTED | Proposed Real Estate Taxes | the1008Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **12318729** | REDACTED | Borrower 1 Birthdate | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **12318729** | REDACTED | Borrower 1 Phone Number | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **12318729** | REDACTED | Application Date | complianceDetailPage | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **12318729** | REDACTED | Refinance Type | the1003Page | REDACTED | REDACTED | FROM THE FINAL CD |
| REDACTED |  | **12318729** | REDACTED | Originator Doc Type | employmentIncomePage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | **12318729** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Rounding difference |
| REDACTED |  | **18833880** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **18833880** | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | OK |
| REDACTED |  | **18833880** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | LTV VS CLTV |
| REDACTED |  | **10949718** | REDACTED | Loan ID | manual | REDACTED | REDACTED | FROM THE LOAN ID |
| REDACTED |  | **10949718** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **10949718** | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **13432267** | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **13432267** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **13432267** | REDACTED | Application Date | complianceDetailPage | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **13432267** | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **13432267** | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **18796706** | REDACTED | Qualifying LTV | propertyValuationPage | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | **18796706** | REDACTED | Qualifying CLTV | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | **18796706** | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | from the 1003 |
| REDACTED |  | **18796706** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | **18796706** | REDACTED | Borrower 1 First Name | notePage | REDACTED | REDACTED | from the note |
| REDACTED |  | **18796706** | REDACTED | Interest Rate | notePage | REDACTED | REDACTED | from the note |
| REDACTED |  | **13923313** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | **13923313** | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | Per Guidelines |
| REDACTED |  | **18953028** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | From the appraisal |
| REDACTED |  | **18953028** | REDACTED | Borrower 1 First Name | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **18953028** | REDACTED | Qualifying FICO | creditLiabilitiesPage | REDACTED | REDACTED |  |
| REDACTED |  | **18953028** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | From the 108 |
| REDACTED |  | **18953028** | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | NA |
| REDACTED |  | **17501895** | REDACTED | Property City | notePage | REDACTED | REDACTED | Per Note |
| REDACTED |  | **17501895** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | **17501895** | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | Per Guidelines |
| REDACTED |  | **15796999** | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | Mapping |
| REDACTED |  | **15796999** | REDACTED | Loan Program | the1003Page | REDACTED | REDACTED | Per Tape |
| REDACTED |  | **15796999** | REDACTED | Originator Doc Type | employmentIncomePage | REDACTED | REDACTED | Mapping |
| REDACTED |  | **15796999** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | **15796999** | REDACTED | Underwriting Guideline Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | Per guidelines |
| REDACTED |  | **10550816** | REDACTED | Property Address | notePage | REDACTED | REDACTED | Per Note |
| REDACTED |  | **10550816** | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **10550816** | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **10550816** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **10550816** | REDACTED | Application Date | complianceDetailPage | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **10550816** | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **10550816** | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **10550816** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | **16702977** | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **16702977** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **16702977** | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **16702977** | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **16702977** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | **13934482** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **13934482** | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **13934482** | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **13934482** | REDACTED | Application Date | complianceDetailPage | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **13934482** | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **13934482** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | **12550881** | REDACTED | Loan ID | manual | REDACTED | REDACTED | FROM THE LOAN ID |
| REDACTED |  | **12550881** | REDACTED | Borrower 1 Phone Number | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **12550881** | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **12550881** | REDACTED | Property Tax Amount | titlePage | REDACTED | REDACTED | FROM TAX CERT |
| REDACTED |  | **10311008** | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **10311008** | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **10311008** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **10311008** | REDACTED | Application Date | complianceDetailPage | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **10311008** | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **10311008** | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **10311008** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | **12825225** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **12825225** | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **12825225** | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **12825225** | REDACTED | Application Date | complianceDetailPage | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **12825225** | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **12825225** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | **13224521** | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **13224521** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **13224521** | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **13224521** | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **13224521** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | **15797266** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **15797266** | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **15797266** | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **15797266** | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **15797266** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | **15932688** | REDACTED | Loan ID | manual | REDACTED | REDACTED | REDACTED |
| REDACTED |  | **15932688** | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | INV PROPERTY |
| REDACTED |  | **15932688** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | OK |
| REDACTED |  | **15932688** | REDACTED | Property Address | notePage | REDACTED | REDACTED |  |
| REDACTED |  | **15932688** | REDACTED | Qualifying CLTV | propertyValuationPage | REDACTED | REDACTED | USED MOST RECENT MTG STATEMENT |
| REDACTED |  | **15932688** | REDACTED | Loan Program | the1003Page | REDACTED | REDACTED |  |
| REDACTED |  | **15932688** | REDACTED | Originator QM Status | diligenceFinalLookPage | REDACTED | REDACTED |  |
| REDACTED |  | **15932688** | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | **17284746** | REDACTED | Other Lien Loan ID | secondHelocAdditionalDataPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | **17284746** | REDACTED | Originator QM Status | diligenceFinalLookPage | REDACTED | REDACTED | Non QM loan |
| REDACTED |  | **17284746** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Rounding difference |
| REDACTED |  | **13265383** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **13265383** | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **13265383** | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **13265383** | REDACTED | Application Date | complianceDetailPage | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **13265383** | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **14091423** | REDACTED | Qualifying FICO | creditLiabilitiesPage | REDACTED | REDACTED | Per credit report |
| REDACTED |  | **14091423** | REDACTED | Amortization Term | notePage | REDACTED | REDACTED | from the note |
| REDACTED |  | **14091423** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | **14091423** | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | Per Guidelines |
| REDACTED |  | **11868703** | REDACTED | Qualifying LTV | propertyValuationPage | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | **11868703** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | **11868703** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | **11868703** | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | Per Guidelines |
| REDACTED |  | **12677363** | REDACTED | Qualifying LTV | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **12677363** | REDACTED | Borrower 1 First Name | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **12677363** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | **12677363** | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | Per Guidelines |
| REDACTED |  | **10723717** | REDACTED | Qualifying LTV | propertyValuationPage | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | **10723717** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | **10723717** | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | Per Guidelines |
| REDACTED |  | **17361516** | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | from the 1003 |
| REDACTED |  | **17361516** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | **17361516** | REDACTED | Originator Doc Type | employmentIncomePage | REDACTED | REDACTED |  |
| REDACTED |  | **17361516** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | **17361516** | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | **17361516** | REDACTED | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | **17489220** | REDACTED | Property State | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **17489220** | REDACTED | Borrower 1 First Name | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **17489220** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **17489220** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | CLTV VS LTV |
| REDACTED |  | **17489220** | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | **15111630** | REDACTED | Property City | notePage | REDACTED | REDACTED |  |
| REDACTED |  | **15111630** | REDACTED | Qualifying LTV | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **15111630** | REDACTED | Borrower 1 First Name | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **15111630** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **15111630** | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | NA |
| REDACTED |  | **18086704** | REDACTED | Qualifying CLTV | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **18086704** | REDACTED | Qualifying LTV | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **18086704** | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **18086704** | REDACTED | Interest Rate | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **11816576** | REDACTED | Loan ID | manual | REDACTED | REDACTED |  |
| REDACTED |  | **11816576** | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | INVESTMENT PROPERTY |
| REDACTED |  | **11816576** | REDACTED | Loan Program | the1003Page | REDACTED | REDACTED |  |
| REDACTED |  | **11816576** | REDACTED | Originator QM Status | diligenceFinalLookPage | REDACTED | REDACTED |  |
| REDACTED |  | **11816576** | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | **13407506** | REDACTED | Loan ID | manual | REDACTED | REDACTED | FROM THE LOAN ID |
| REDACTED |  | **13407506** | REDACTED | Qualifying CLTV | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **13407506** | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **13407506** | REDACTED | Borrower 1 Phone Number | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **13407506** | REDACTED | Property Tax Amount | titlePage | REDACTED | REDACTED | Per Tax doc |
| REDACTED |  | **10026561** | REDACTED | Qualifying CLTV | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **10026561** | REDACTED | Qualifying LTV | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **10026561** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **10026561** | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **10026561** | REDACTED | Borrower 1 First Name | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **10026561** | REDACTED | Interest Rate | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **16238301** | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **16238301** | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **16238301** | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **14496648** | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **14496648** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **14496648** | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROMTHE 1003 |
| REDACTED |  | **14496648** | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **11981206** | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **11981206** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **11981206** | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **11981206** | REDACTED | Borrower 1 Phone Number | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **11981206** | REDACTED | Application Date | complianceDetailPage | REDACTED | REDACTED |  |
| REDACTED |  | **11981206** | REDACTED | Borrower 1 Email or Internet | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **11981206** | REDACTED | Interest Only Flag | notePage | REDACTED | REDACTED | FROM THE NTOE |
| REDACTED |  | **11981206** | REDACTED | Prepayment Penalty Type | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **11981206** | REDACTED | Note Date | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **11981206** | REDACTED | Balloon Flag | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **11981206** | REDACTED | HOA Flag | propertyValuationPage | REDACTED | REDACTED | NA |
| REDACTED |  | **11981206** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | ROUNDED |
| REDACTED |  | **12037112** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **12037112** | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **12037112** | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **12037112** | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **12037112** | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **17045398** | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **17045398** | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **17045398** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **17045398** | REDACTED | Originator QM Status | diligenceFinalLookPage | REDACTED | REDACTED |  |
| REDACTED |  | **17045398** | REDACTED | Originator Doc Type | employmentIncomePage | REDACTED | REDACTED |  |
| REDACTED |  | **16958668** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **16958668** | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **16958668** | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **16958668** | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **16958668** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | **13936667** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | **13936667** | REDACTED | Property Address | notePage | REDACTED | REDACTED | from the note |
| REDACTED |  | **13936667** | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | **13936667** | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | from the 1003 |
| REDACTED |  | **13936667** | REDACTED | Application Date | complianceDetailPage | REDACTED | REDACTED | from the credit report |
| REDACTED |  | **13936667** | REDACTED | ULI | the1003Page | REDACTED | REDACTED | from the 1003 |
| REDACTED |  | **13936667** | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | from the note |
| REDACTED |  | **13936667** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | From the 1008 |
| REDACTED |  | **17687060** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | **17687060** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | LTV vs CLTV |
| REDACTED |  | **17687060** | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | **16136396** | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **16136396** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **16136396** | REDACTED | Loan Program | the1003Page | REDACTED | REDACTED | FROM THE 1003/RATE LOCK CONFIRMATION |
| REDACTED |  | **16136396** | REDACTED | Originator Doc Type | employmentIncomePage | REDACTED | REDACTED | Per income docs |
| REDACTED |  | **16136396** | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | Per Guidelines |
| REDACTED |  | **16136396** | REDACTED | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | **16136396** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | **19044116** | REDACTED | Qualifying FICO | creditLiabilitiesPage | REDACTED | REDACTED |  |
| REDACTED |  | **19044116** | REDACTED | Property Address | notePage | REDACTED | REDACTED | Per Note |
| REDACTED |  | **19044116** | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **19044116** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **19044116** | REDACTED | Loan Program | the1003Page | REDACTED | REDACTED | Mapping |
| REDACTED |  | **19044116** | REDACTED | Originator Doc Type | employmentIncomePage | REDACTED | REDACTED | Per income docs |
| REDACTED |  | **19044116** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | **19044116** | REDACTED | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | **19044116** | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | Per Guidelines |
| REDACTED |  | **11946240** | REDACTED | Qualifying FICO | creditLiabilitiesPage | REDACTED | REDACTED | Per credit report |
| REDACTED |  | **11946240** | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | Per Guidelines |
| REDACTED |  | **11946240** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | **19637789** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | **19637789** | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | **19637789** | REDACTED | ULI | the1003Page | REDACTED | REDACTED | from the 1003 |
| REDACTED |  | **19637789** | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | from the note |
| REDACTED |  | **17779833** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **17779833** | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **17779833** | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **17779833** | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **18646022** | REDACTED | Loan ID | manual | REDACTED | REDACTED |  |
| REDACTED |  | **18646022** | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED |  |
| REDACTED |  | **18646022** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | per appraisal |
| REDACTED |  | **18646022** | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | OK |
| REDACTED |  | **18646022** | REDACTED | Loan Program | the1003Page | REDACTED | REDACTED |  |
| REDACTED |  | **18646022** | REDACTED | Prepayment Penalty Type | notePage | REDACTED | REDACTED | from note addendum |
| REDACTED |  | **18646022** | REDACTED | Calculated DSCR | diligenceFinalLookPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | **16898388** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | **16898388** | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED |  |
| REDACTED |  | **16898388** | REDACTED | Prepayment Penalty Flag | notePage | REDACTED | REDACTED |  |
| REDACTED |  | **17763194** | REDACTED | Loan ID | manual | REDACTED | REDACTED |  |
| REDACTED |  | **17763194** | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | INVESTMENT |
| REDACTED |  | **17763194** | REDACTED | Qualifying FICO | creditLiabilitiesPage | REDACTED | REDACTED |  |
| REDACTED |  | **17763194** | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | CASH OUT REFI |
| REDACTED |  | **17763194** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | **17763194** | REDACTED | Loan Program | the1003Page | REDACTED | REDACTED | FROM MATRIX |
| REDACTED |  | **17763194** | REDACTED | Prepayment Penalty Type | notePage | REDACTED | REDACTED | FROM NOTE |
| REDACTED |  | **17763194** | REDACTED | Calculated DSCR | diligenceFinalLookPage | REDACTED | REDACTED | INSIGIFICANT DIFFERENCE |
| REDACTED |  | **17763194** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | ROUNDING |
| REDACTED |  | **12066646** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **12066646** | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **12066646** | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **12066646** | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **10264232** | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **10264232** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **10264232** | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **10264232** | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **10264232** | REDACTED | Application Date | complianceDetailPage | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **10264232** | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **10264232** | REDACTED | MIN No | deedOfTrustPage | REDACTED | REDACTED |  |
| REDACTED |  | **10264232** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | **13952049** | REDACTED | Loan ID | manual | REDACTED | REDACTED | FROM THE LOAN ID |
| REDACTED |  | **13952049** | REDACTED | Qualifying CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | **13952049** | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **13952049** | REDACTED | Originator QM Status | diligenceFinalLookPage | REDACTED | REDACTED |  |
| REDACTED |  | **13952049** | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | **11441879** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **11441879** | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **11441879** | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **11441879** | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **11441879** | REDACTED | Application Date | complianceDetailPage | REDACTED | REDACTED |  |
| REDACTED |  | **11441879** | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **11441879** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | **15573051** | REDACTED | Loan ID | manual | REDACTED | REDACTED | FROM THE LOAN ID |
| REDACTED |  | **15573051** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **15573051** | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **15573051** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | **19440774** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | **19440774** | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | Per Guidelines |
| REDACTED |  | **15336942** | REDACTED | Qualifying LTV | propertyValuationPage | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | **15336942** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | LTV VS CLTV |
| REDACTED |  | **15336942** | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | **16966195** | REDACTED | Loan ID | manual | REDACTED | REDACTED | OK |
| REDACTED |  | **16966195** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | **16966195** | REDACTED | Qualifying FICO | creditLiabilitiesPage | REDACTED | REDACTED |  |
| REDACTED |  | **16966195** | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | REDACTED |
| REDACTED |  | **16966195** | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | INVESTMENT |
| REDACTED |  | **16966195** | REDACTED | Prepayment Penalty Type | notePage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | **16966195** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | ROUNDING |
| REDACTED |  | **16966195** | REDACTED | Calculated DSCR | diligenceFinalLookPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | **14252905** | REDACTED | Other Lien Loan ID | secondHelocAdditionalDataPage | REDACTED | REDACTED |  |
| REDACTED |  | **14252905** | REDACTED | Originator QM Status | diligenceFinalLookPage | REDACTED | REDACTED |  |
| REDACTED |  | **16199191** | REDACTED | Qualifying LTV | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **16199191** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | Per DOT |
| REDACTED |  | **16199191** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | **16199191** | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | Per Guidelines |
| REDACTED |  | **10932296** | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | from the 1003 |
| REDACTED |  | **10932296** | REDACTED | Property Zip Code | notePage | REDACTED | REDACTED | from the note |
| REDACTED |  | **10932296** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | **10932296** | REDACTED | Loan Program | the1003Page | REDACTED | REDACTED | from the rate lock confirmation |
| REDACTED |  | **10932296** | REDACTED | Originator Doc Type | employmentIncomePage | REDACTED | REDACTED |  |
| REDACTED |  | **10932296** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | **10932296** | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | **10932296** | REDACTED | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | **18266375** | REDACTED | Qualifying LTV | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **18266375** | REDACTED | Qualifying CLTV | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **18266375** | REDACTED | Borrower 1 First Name | notePage | REDACTED | REDACTED | FORM THE NTOE |
| REDACTED |  | **18266375** | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **18266375** | REDACTED | Interest Rate | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **14058518** | REDACTED | Borrower 1 First Name | notePage | REDACTED | REDACTED |  |
| REDACTED |  | **14058518** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | CLTV VS LTV |
| REDACTED |  | **14058518** | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | **14339146** | REDACTED | Loan ID | manual | REDACTED | REDACTED | from the loan ID |
| REDACTED |  | **14339146** | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | from the 1003 |
| REDACTED |  | **14339146** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | **18195958** | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **18195958** | REDACTED | Loan Program | the1003Page | REDACTED | REDACTED | FROM THE RATE LOCK CONFIRMATION |
| REDACTED |  | **18195958** | REDACTED | Originator Doc Type | employmentIncomePage | REDACTED | REDACTED |  |
| REDACTED |  | **18195958** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | **18195958** | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | **18195958** | REDACTED | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | **12282255** | REDACTED | Loan ID | manual | REDACTED | REDACTED | from the loan ID |
| REDACTED |  | **12282255** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | **12282255** | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | from the 1003 |
| REDACTED |  | **12282255** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | **13969390** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **13969390** | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **13969390** | REDACTED | Loan Program | the1003Page | REDACTED | REDACTED |  |
| REDACTED |  | **13969390** | REDACTED | Originator Doc Type | employmentIncomePage | REDACTED | REDACTED |  |
| REDACTED |  | **13969390** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | **13969390** | REDACTED | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | **13969390** | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | **17126027** | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **17126027** | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **17126027** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **17126027** | REDACTED | Originator QM Status | diligenceFinalLookPage | REDACTED | REDACTED |  |
| REDACTED |  | **17126027** | REDACTED | Originator Doc Type | employmentIncomePage | REDACTED | REDACTED |  |
| REDACTED |  | **15311614** | REDACTED | Borrower 1 First Name | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **15311614** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | CLTV VS LTV |
| REDACTED |  | **15311614** | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | **13103459** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **13103459** | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **13103459** | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **13103459** | REDACTED | Borrower 1 Birthdate | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **13103459** | REDACTED | Application Date | complianceDetailPage | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **13103459** | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **13103459** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | **11355738** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | 2-4 IS ACCURATE |
| REDACTED |  | **11355738** | REDACTED | Qualifying LTV | propertyValuationPage | REDACTED | REDACTED | ROUNDING |
| REDACTED |  | **11355738** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | CLTV VS LTV |
| REDACTED |  | **11355738** | REDACTED | Originator QM Status | diligenceFinalLookPage | REDACTED | REDACTED |  |
| REDACTED |  | **11355738** | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | **11427001** | REDACTED | Borrower 1 First Name | notePage | REDACTED | REDACTED | from the note |
| REDACTED |  | **11427001** | REDACTED | Qualifying LTV | propertyValuationPage | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | **11427001** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | **11427001** | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | **19351859** | REDACTED | Qualifying LTV | propertyValuationPage | REDACTED | REDACTED | from the 1008 |
| REDACTED |  | **19351859** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | **19351859** | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | **14195378** | REDACTED | Borrower 1 First Name | notePage | REDACTED | REDACTED |  |
| REDACTED |  | **14195378** | REDACTED | Credit QM/ATR Designation | employmentIncomePage | REDACTED | REDACTED |  |
| REDACTED |  | **14195378** | REDACTED | Originator Doc Type | employmentIncomePage | REDACTED | REDACTED |  |
| REDACTED |  | **14195378** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | **14195378** | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | **15953419** | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | INVESMENT PROPERTY IS CORRECT |
| REDACTED |  | **15953419** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | **15953419** | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | **15953419** | REDACTED | Application Date | complianceDetailPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | **15953419** | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | PER NOTE |
| REDACTED |  | **11364264** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **11364264** | REDACTED | Qualifying FICO | creditLiabilitiesPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **11364264** | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **11364264** | REDACTED | Loan Program | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **11364264** | REDACTED | Originator Doc Type | employmentIncomePage | REDACTED | REDACTED | Per income docs |
| REDACTED |  | **11364264** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Rounding difference |
| REDACTED |  | **11364264** | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | Per Guidelines |
| REDACTED |  | **11364264** | REDACTED | Underwriting Guideline Version Date | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | Application date is REDACTED |
| REDACTED |  | **10966072** | REDACTED | Borrower 1 First Name | notePage | REDACTED | REDACTED | from the note |
| REDACTED |  | **10966072** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | LTV VS CLTV |
| REDACTED |  | **10966072** | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | **17777074** | REDACTED | Borrower 1 First Name | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **17777074** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | LTV VS CLTV |
| REDACTED |  | **17777074** | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | **16668034** | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | Per Gap credit report |
| REDACTED |  | **16668034** | REDACTED | ULI | the1003Page | REDACTED | REDACTED | Per 1003 |
| REDACTED |  | **16668034** | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | Per Note |
| REDACTED |  | **16668034** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Rounding |
| REDACTED |  | **18511953** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **18511953** | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **18511953** | REDACTED | Application Date | complianceDetailPage | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **18511953** | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **18511953** | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **19360186** | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED |  |
| REDACTED |  | **19360186** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | **19360186** | REDACTED | Prepayment Penalty Flag | notePage | REDACTED | REDACTED |  |
| REDACTED |  | **19360186** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | **18272113** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | **18272113** | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | Per mortgage statement |
| REDACTED |  | **18272113** | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | Per Note |
| REDACTED |  | **17435810** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **17435810** | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **17435810** | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **17435810** | REDACTED | Application Date | complianceDetailPage | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **17435810** | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **17435810** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Rounding |
| REDACTED |  | **12352315** | REDACTED | Loan ID | manual | REDACTED | REDACTED | FROM THE LOAN ID |
| REDACTED |  | **12352315** | REDACTED | Qualifying CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | **12352315** | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **12352315** | REDACTED | Borrower 1 Phone Number | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **12352315** | REDACTED | Property Tax Amount | titlePage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | **13581137** | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | Per Guidelines |
| REDACTED |  | **13724874** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 10089 |
| REDACTED |  | **13724874** | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **13724874** | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **13724874** | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **13724874** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | **19428162** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | **19428162** | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | Per guidelines |
| REDACTED |  | **15642231** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | PER APPRAISAL |
| REDACTED |  | **15642231** | REDACTED | Prepayment Penalty Type | notePage | REDACTED | REDACTED | FROM NOTE AND PPP NOTE ADDENDUM |
| REDACTED |  | **15642231** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | CLTV VS LTV |
| REDACTED |  | **15642231** | REDACTED | Originator QM Status | diligenceFinalLookPage | REDACTED | REDACTED |  |
| REDACTED |  | **15642231** | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | **15306482** | REDACTED | Borrower 1 Last Name | notePage | REDACTED | REDACTED |  |
| REDACTED |  | **15306482** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | DETACHED |
| REDACTED |  | **15306482** | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED |  |
| REDACTED |  | **15306482** | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | OK |
| REDACTED |  | **15306482** | REDACTED | Borrower 1 Email or Internet | the1003Page | REDACTED | REDACTED |  |
| REDACTED |  | **15306482** | REDACTED | Loan Program | the1003Page | REDACTED | REDACTED | IT30F |
| REDACTED |  | **15306482** | REDACTED | Application Date | complianceDetailPage | REDACTED | REDACTED | FROM INITIAL 1003 |
| REDACTED |  | **15306482** | REDACTED | Borrower 1 Phone Number | the1003Page | REDACTED | REDACTED |  |
| REDACTED |  | **15306482** | REDACTED | Prepayment Penalty Type | notePage | REDACTED | REDACTED | FROM PPP RIDER |
| REDACTED |  | **15306482** | REDACTED | Interest Only Flag | notePage | REDACTED | REDACTED |  |
| REDACTED |  | **15306482** | REDACTED | Balloon Flag | notePage | REDACTED | REDACTED |  |
| REDACTED |  | **15306482** | REDACTED | Property County | deedOfTrustPage | REDACTED | REDACTED |  |
| REDACTED |  | **15306482** | REDACTED | Borrower 2 Last Name | finalCdDetailPage | REDACTED | REDACTED |  |
| REDACTED |  | **15306482** | REDACTED | Borrower 2 First Name | finalCdDetailPage | REDACTED | REDACTED |  |
| REDACTED |  | **15306482** | REDACTED | HOA Flag | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | **11299132** | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **11299132** | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **11299132** | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **11299132** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | **17701313** | REDACTED | Borrower 1 First Name | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **17701313** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | LTV VS CLTV |
| REDACTED |  | **17701313** | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | **11576164** | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **11576164** | REDACTED | Qualifying LTV | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **11576164** | REDACTED | Qualifying CLTV | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **11576164** | REDACTED | Interest Rate | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **10487336** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | ltv vs cltv |
| REDACTED |  | **10487336** | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | **13435420** | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **13435420** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **13435420** | REDACTED | Qualifying FICO | creditLiabilitiesPage | REDACTED | REDACTED |  |
| REDACTED |  | **13435420** | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **13435420** | REDACTED | Originator QM Status | diligenceFinalLookPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | **13435420** | REDACTED | Originator Doc Type | employmentIncomePage | REDACTED | REDACTED | Per income docs |
| REDACTED |  | **13435420** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Rounding diference |
| REDACTED |  | **13373315** | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **13373315** | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **13373315** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **13373315** | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **13373315** | REDACTED | Application Date | complianceDetailPage | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **13373315** | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **13373315** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | From the 1008 |
| REDACTED |  | **10398416** | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **10398416** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **10398416** | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **10398416** | REDACTED | Application Date | complianceDetailPage | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **10398416** | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **18930469** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **18930469** | REDACTED | Qualifying LTV | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **18930469** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | CLTV VS LTV |
| REDACTED |  | **18930469** | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | **16032430** | REDACTED | Qualifying LTV | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **16032430** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **16032430** | REDACTED | Loan Purpose | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **16032430** | REDACTED | Qualifying CLTV | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **16032430** | REDACTED | Interest Rate | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **12274404** | REDACTED | Borrower 1 Last Name | notePage | REDACTED | REDACTED |  |
| REDACTED |  | **12274404** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **12274404** | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **12274404** | REDACTED | Application Date | complianceDetailPage | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **12274404** | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **12274404** | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **12274404** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | **11301210** | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED |  |
| REDACTED |  | **11301210** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | **11301210** | REDACTED | Loan Amount | notePage | REDACTED | REDACTED |  |
| REDACTED |  | **11301210** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED |  |
| REDACTED |  | **18779112** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **18779112** | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **18779112** | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **18779112** | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **14888390** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | **14888390** | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED | Guidelines |
| REDACTED |  | **17464862** | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROM THE 1008 |
| REDACTED |  | **17464862** | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **17464862** | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |
| REDACTED |  | **17464862** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | **14596849** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | REDACTED |
| REDACTED |  | **14596849** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | CLTV VS. LTV |
| REDACTED |  | **14596849** | REDACTED | Originator QM Status | diligenceFinalLookPage | REDACTED | REDACTED |  |
| REDACTED |  | **14596849** | REDACTED | Calculated DSCR | diligenceFinalLookPage | REDACTED | REDACTED |  |
| REDACTED |  | **14596849** | REDACTED | Underwriting Guideline Product Name | businessPurposeApprovalandGuidelinePage | REDACTED | REDACTED |  |
| REDACTED |  | **10591874** | REDACTED | Loan ID | manual | REDACTED | REDACTED | Mapping |
| REDACTED |  | **10591874** | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | Mapping |
| REDACTED |  | **10591874** | REDACTED | Property Type | propertyValuationPage | REDACTED | REDACTED | Mapping |
| REDACTED |  | **10591874** | REDACTED | CLTV | propertyValuationPage | REDACTED | REDACTED | Rounding |
| REDACTED |  | **17726070** | REDACTED | Occupancy | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **17726070** | REDACTED | Amount of Other Lien | titlePage | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **17726070** | REDACTED | ULI | the1003Page | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **17726070** | REDACTED | Application Date | complianceDetailPage | REDACTED | REDACTED | FROM THE 1003 |
| REDACTED |  | **17726070** | REDACTED | Loan Amount | notePage | REDACTED | REDACTED | FROM THE NOTE |

---

## Exhibit 99.7

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.7 - Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **EDGAR 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?** |
| REDACTED |  | 10326533 D A C | Closed | FCRE1145 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Final Title Policy with reflecting no judgment received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Counter-Recorded copy of satisfaction required or updated title supplement verifying removal of judgment is needed. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Please see release of judgement. - Seller-REDACTED <br> Counter-Verification judgment on title - REDACTED was paid in full and satisfied prior to/at closing. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. title attached - Seller-REDACTED <br> Open-Title Document is missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED <br>Ready for Review-Document Uploaded. Please see release of judgement. - Seller-REDACTED <br>Ready for Review-Document Uploaded. title attached - Seller-REDACTED<br>| Resolved-Final Title Policy with reflecting no judgment received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 10326533 D A C | Closed | FCRE7497 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Documentation received - resolved - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Please see attached CD for REO and 1008 showing REDACTED income. The new payment for REO should also solve item REDACTED calculation of net income. - Seller-REDACTED <br> Open-1. Missing supporting documentation to verify monthly payment of REDACTED for second mortgage loan on other REO at REDACTED.<br>2. NOTE - DTI variance - 1. Lender calculated primary residence rental income of REDACTED using only REDACTED, however, Audit used REDACTED and calculated lower to REDACTED<br> 2. Other REO - REDACTED net rental income of REDACTED was calculated by lender vs REDACTED calculated by Audit. Lender used lower PITIA not supported per Final 1003 vs mortgage statement in file p219,522 - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Please see attached CD for REO and 1008 showing REDACTED income. The new payment for REO should also solve item REDACTED calculation of net income. - Seller-REDACTED | Resolved-Documentation received - resolved - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 10326533 D A C | Closed | FCRE1152 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-REDACTED <br> Resolved-Tax information received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. tax cert attached - Seller-REDACTED <br> Open-Missing Evidence of Property Tax Missing documentation to verify monthly tax payment of REDACTED per 1008. page 233 - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. tax cert attached - Seller-REDACTED<br>| Resolved-Evidence of Property Tax is present - Due Diligence Vendor-REDACTED <br>Resolved-Tax information received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 10326533 D A C | Closed | FVAL5524 | REDACTED | REDACTED | Resolved | 1 - Information C A | Property | Property | Ineligible Property | Resolved-Document Uploaded. Updated appraisal received, verified residential zoning with tax card - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Appraisal had Zoning incorrect. Updated property is NOT commercial - Seller-REDACTED <br>Open-Property is zoned commercial which is ineligible zoning per guidelines. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Appraisal had Zoning incorrect. Updated property is NOT commercial - Seller-REDACTED<br>| Resolved-Document Uploaded. Updated appraisal received, verified residential zoning with tax card - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 15058105 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |
| REDACTED |  | 17278618 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |
| REDACTED |  | 12318729 C A | Closed | FVAL9739 | REDACTED | REDACTED | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-PCI received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Attached the property condition inspection required. Please Note, the inspection was Lender paid. The cost was not included on the final CD. There is no tolerance cure. The lender provided a Post Consummation CD. Attached find the Post Consummation CD, Letter and proof of delivery to the borrower. - Kindly clear the condition - thank you - Seller-REDACTED <br>Open-Missing Property Condition Inspection required by Guidelines to support AVM report in file - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Attached the property condition inspection required. Please Note, the inspection was Lender paid. The cost was not included on the final CD. There is no tolerance cure. The lender provided a Post Consummation CD. Attached find the Post Consummation CD, Letter and proof of delivery to the borrower. - Kindly clear the condition - thank you - Seller-REDACTED<br>| Resolved-PCI received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 12318729 C A | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Deed received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Attached is Deed required under the Divorce agreement. Matching TItle vesting - Seller-REDACTED <br> Open-Property Title Issue Copy of signed deed of transfer/quit claim deed needed to verify vesting on title vs. DOT per court order. REDACTED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Attached is Deed required under the Divorce agreement. Matching TItle vesting - Seller-REDACTED<br>| Resolved-Deed received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 18833880 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other |  |  |
| REDACTED |  | 10949718 D A | Closed | FCRE1342 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-REDACTED <br> Resolved-Bank statements received, income within REDACTED - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Borrower 1 Business Bank Statements Missing REDACTED BUSINESS BANK STATEMENTS ARE MISSING FROM FILE - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-REDACTED <br> Resolved-Bank statements received, income within REDACTED - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 10949718 D A | Closed | FCRE2109 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Worksheet received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Worksheet received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 13432267 D A | Closed | FCRE1146 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Partially Present | Resolved-FTP received - Due Diligence Vendor-REDACTED <br> Ready for Review-Please see attached final title policy - Seller-REDACTED <br> Open-Title Document is incomplete or only partially present Lender's coverage amount is not listed on the preliminary title report. - Due Diligence Vendor-REDACTED | Ready for Review-Please see attached final title policy - Seller-REDACTED<br>| Resolved-FTP received - Due Diligence Vendor-REDACTED<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 18796706 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Second Home | Refinance | Cash Out - Debt Consolidation |  |  |
| REDACTED |  | 13923313 C A | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-All corrected docs required for non-borrowing spouse signed at closing received. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see attached docs that required the REDACTED to sign. It was caught before the loan was funded.<br> Thanks!! - Buyer-REDACTED <br> Counter-Quit claim deed received verifying REDACTED is removed from vesting. New deed shows that B1 is now joined on the deed by REDACTED as owner. There is no Right to Cancel signed by the REDACTED as another owner of this primary residence in file. Needed - Right to Cancel signed by REDACTED with three day right to rescind. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. hi,<br> Please see the attached quit claim deed. <br> Thanks! - Buyer-REDACTED <br> Open-Preliminary title shows borrower and another person - REDACTED - on title. Verification REDACTED is removed from deed is needed for file documentation (copy of new deed with removal of REDACTED, updated final title verifying new vesting, etc.) - Due Diligence Vendor-REDACTED |  | Resolved-All corrected docs required for non-borrowing spouse signed at closing received. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 13923313 C A | Closed | FCRE03REDACTED | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-REDACTED <br> Resolved-Mortgage statement within REDACTED days of note date received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Buyer-REDACTED <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. - Mortgage statement dated REDACTED exceeds REDACTED0 days allowed by Guidelines from Note date - REDACTED - Due Diligence Vendor-REDACTED |  | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-REDACTED <br> Resolved-Mortgage statement within REDACTED days of note date received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 18953028 D A | Closed | FCRE5782 | REDACTED | REDACTED | 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-REDACTED <br> Ready for Review-Document Uploaded. - Buyer-REDACTED <br> Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-REDACTED |  | Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 18953028 D A | Closed | FCRE5783 | REDACTED | REDACTED | 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-REDACTED <br>Ready for Review-Document Uploaded. Soft pull uploaded - Buyer-REDACTED <br>Open-Borrower 2 Gap Credit Report is Missing - Due Diligence Vendor-REDACTED |  | Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 17501895 D A | Closed | FCRE1152 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-REDACTED <br> Resolved-Property tax verification received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Tax bill uploaded - Seller-REDACTED <br> Open-Missing Evidence of Property Tax Missing documentation to support monthly tax amount of REDACTED per 1008. page 16 - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Tax bill uploaded - Seller-REDACTED<br>| Resolved-Evidence of Property Tax is present - Due Diligence Vendor-REDACTED <br>Resolved-Property tax verification received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| REDACTED |  | 17501895 D A | Closed | FCRE1145 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Title Document is fully Present - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Hi,<br> Please see the attached title report. <br> Thanks! - Seller-REDACTED <br>Counter-Title supplement received verifying lender title coverage, actual prelim title report needed - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Title supp with proposed insured uploaded - Buyer-REDACTED <br>Open-Title Document is missing Preliminary Title Report with evidence of lender coverage missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Hi,<br> Please see the attached title report. <br> Thanks! - Seller-REDACTED<br>| Resolved-Title Document is fully Present - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| REDACTED |  | 17501895 D A | Closed | FCRE5770 | REDACTED | REDACTED | 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-REDACTED <br> Resolved-Credit report received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. cr report uploaded - Buyer-REDACTED <br> Open-Borrower 1 Credit Report is Missing. Credit report from REDACTED is not in file - Due Diligence Vendor-REDACTED |  | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-REDACTED <br>Resolved-Credit report received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| REDACTED |  | 17501895 D A | Closed | FCRE5771 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Credit Report is Missing | Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-REDACTED <br> Resolved-Credit report received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. cr report uploaded - Buyer-REDACTED <br> Open-Borrower 2 Credit Report is Missing. Credit report from REDACTED is not in file - Due Diligence Vendor-REDACTED |  | Resolved-Borrower 2 Credit Report is not missing. - Due Diligence Vendor-REDACTED <br>Resolved-Credit report received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| REDACTED |  | 17501895 D A | Closed | FCRE1437 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-B1 income docs received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. B1 income docs uploaded - Seller-REDACTED <br> Open-Income and Employment Do Not Meet Guidelines - Missing income documentation to verify monthly income REDACTED per Final 1003 for REDACTED. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. B1 income docs uploaded - Seller-REDACTED<br>| Resolved-B1 income docs received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| REDACTED |  | 17501895 D A | Closed | FCRE1319 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Personal Tax Returns Missing | Resolved-Borrower 1 Personal Tax Returns Provided - Due Diligence Vendor-REDACTED <br>Resolved-B1 tax return received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Tax returns uploaded - Buyer-REDACTED <br>Open-Borrower 1 Personal Tax Returns Missing Missing tax return(s) used to calculate net rental income for borrower's other REO per 1008. DTI is subject to recalculation upon receipt. - Due Diligence Vendor-REDACTED |  | Resolved-Borrower 1 Personal Tax Returns Provided - Due Diligence Vendor-REDACTED <br>Resolved-B1 tax return received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| REDACTED |  | 17501895 D A | Closed | FCRE1350 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Personal Tax Returns Missing | Resolved-Borrower 2 Personal Tax Returns Provided or Not Applicable (REDACTED) - Due Diligence Vendor-REDACTED <br> Resolved-B2 tax return received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Tax return uploaded - Seller-REDACTED <br> Open-Borrower 2 Personal Tax Returns Missing Missing tax return(s) used to calculate net rental income for borrower's other REO per 1008. DTI is subject to recalculation upon receipt. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Tax return uploaded - Seller-REDACTED<br>| Resolved-Borrower 2 Personal Tax Returns Provided or Not Applicable (REDACTED) - Due Diligence Vendor-REDACTED <br> Resolved-B2 tax return received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| REDACTED |  | 17501895 D A | Closed | FCRE1330 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Paystubs Missing | Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-REDACTED <br>Resolved-B1 paystub received - Due Diligence Vendor-REDACTED <br>Ready for Review-Uploaded with B1 income docs - Seller-REDACTED <br>Open-Borrower 1 Paystubs Missing - Due Diligence Vendor-REDACTED | Ready for Review-Uploaded with B1 income docs - Seller-REDACTED<br>| Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-REDACTED <br>Resolved-B1 paystub received - Due Diligence Vendor-REDACTED<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| REDACTED |  | 17501895 D A | Closed | FCRE1328 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 W2/1099 Missing | Resolved-Borrower 1 W2/1099 Provided - Due Diligence Vendor-REDACTED <br> Resolved-B1 REDACTED W2 received - Due Diligence Vendor-REDACTED <br> Ready for Review-Uploaded with B1 income docs - Seller-REDACTED <br> Open-Borrower 1 W2/1099 Missing - Due Diligence Vendor-REDACTED | Ready for Review-Uploaded with B1 income docs - Seller-REDACTED<br>| Resolved-Borrower 1 W2/1099 Provided - Due Diligence Vendor-REDACTED <br> Resolved-B1 REDACTED W2 received - Due Diligence Vendor-REDACTED |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| REDACTED |  | 17501895 D A | Closed | FCRE1358 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 W2/1099 Missing | Resolved-Borrower 2 W2/1099 Provided or Not Applicable (REDACTED) - Due Diligence Vendor-REDACTED <br> Resolved-B2 W2 received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. W2 uploaded - Buyer-REDACTED <br> Open-Borrower 2 W2/1099 Missing B2 REDACTED W2 missing, only REDACTED in file - Due Diligence Vendor-REDACTED |  | Resolved-Borrower 2 W2/1099 Provided or Not Applicable (REDACTED) - Due Diligence Vendor-REDACTED <br> Resolved-B2 W2 received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| REDACTED |  | 17501895 D A | Closed | FPRO1242 | REDACTED | REDACTED | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Appraisal uploaded - Seller-REDACTED <br>Open-Missing valuation document - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Appraisal uploaded - Seller-REDACTED<br>| Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| REDACTED |  | 15796999 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other |  |  |
| REDACTED |  | 10550816 D A | Closed | FCRE5782 | REDACTED | REDACTED | 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-REDACTED <br>Ready for Review-Document Uploaded. Please see attached - Seller-REDACTED <br>Open-Borrower 1 Gap Credit Report is Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Please see attached - Seller-REDACTED<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 10550816 D A | Closed | FCRE9814 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Trust Agreement | Resolved-Trust agreement received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Counter-No document uploaded for review. Please re-upload. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Missing Trust Certification for additional owner - REDACTED. (Ref REDACTED) - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Trust agreement received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 10550816 D A | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Final Title with ;ender coverage and delq item removed from final title received. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-1. Supplement showing lender name and lender coverage needed.<br> 2. Verification that all REDACTED payments, item REDACTED, totaling REDACTED, paid at or before closing is required. Verification this is removed from title is required.<br> - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Final Title with lender coverage and delq item removed from final title received. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 16702977 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other |  |  |
| REDACTED |  | 13934482 D A | Closed | FCRE1146 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Partially Present | Resolved-Title Document is fully Present - Due Diligence Vendor-REDACTED <br> Resolved-Preliminary title with lenders coverage received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Please see attached complete title report - Seller-REDACTED <br> Open-Title Document is incomplete or only partially present lender's coverage is missing from preliminary title. Should be REDACTED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Please see attached complete title report - Seller-REDACTED<br>| Resolved-Title Document is fully Present - Due Diligence Vendor-REDACTED <br> Resolved-Preliminary title with lenders coverage received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 13934482 D A | Closed | FCRE03REDACTED | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Please see REDACTED mortgage statement for REDACTED. - Seller-REDACTED <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. REDACTED WITH REDACTED IS OVER REDACTED DAYS. STATEMENT IS DATED REDACTED AND NOTE DATE IS REDACTED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Please see REDACTED mortgage statement for REDACTED. - Seller-REDACTED | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 13934482 D A | Closed | FCRE1201 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED <br> Resolved-Fraud Report received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Please see attached Fraud Report - Seller-REDACTED <br> Open-Missing Third Party Fraud Report only REDACTED provided - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Please see attached Fraud Report - Seller-REDACTED<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED <br>Resolved-Fraud Report received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 12550881 D A | Closed | FCRE5116 | REDACTED | REDACTED | 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-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Counter-Guidelines require a REDACTED statement dated within REDACTED days of note date. Credit supplement received, but a credit supplement cannot be used in place of the REDACTED statement. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-REDACTED statement is dated REDACTED. Most recent mortgage statement dated within REDACTED days of Note date is required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 10311008 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other |  |  |
| REDACTED |  | 12825225 D A C | Closed | FCRE1146 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Partially Present | Resolved-Title Document is fully Present - Due Diligence Vendor-REDACTED <br> Resolved-FTP received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Please see attached final title policy. - Seller-REDACTED <br> Open-Title Document is incomplete or only partially present Lender named as insured and lenders coverage equal to loan amount is not stated on preliminary title. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Please see attached final title policy. - Seller-REDACTED<br>| Resolved-Title Document is fully Present - Due Diligence Vendor-REDACTED <br>Resolved-FTP received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 12825225 D A C | Closed | finding-47 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Please see Post Closing Disclosure - Seller-REDACTED <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 CLOSING DATE FROM THE FINAL CD WAS REDACTED. THE DATE OF DISBURSEMENT FROM THE FINAL CD WAS REDACTED. THE CHANGED AND INITIALIZED THE DATES ON THE NOTICE OF THE RIGHT TO CANCEL WITH THE LAST DATE TO CANCEL AS REDACTED. NO POST CLOSE CD WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Please see Post Closing Disclosure - Seller-REDACTED<br>| Resolved-PCCD received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 13224521 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other |  |  |
| REDACTED |  | 15797266 D A | Closed | FCRE5116 | REDACTED | REDACTED | 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-REDACTED <br> Resolved-All documentation on mortgages and deferral received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Verification that REDACTED is the same mortgage as REDACTED, it remained the same on all of the documents provided. <br> Deferral Agreement attached. - Seller-REDACTED <br> Open-1. Verification that REDACTED is the same mortgage as REDACTED on credit report. REDACTED months first mortgage payment history is required. <br> 2. Modification/deferral documentation for the REDACTED deferred balance on the first mortgage Rocket statement.<br> - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Verification that REDACTED is the same mortgage as REDACTED, it remained the same on all of the documents provided. <br> Deferral Agreement attached. - Seller-REDACTED | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-REDACTED <br>Resolved-All documentation on mortgages and deferral received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 15797266 D A | Closed | FCRE8946 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Income/Employment | Income documentation expiration dates | Resolved-Updated bank statement, lender worksheet, and 1008 received. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Income documentation must be within REDACTED days of note date. Last bank statement in file & on bank statement income worksheet is REDACTED. Updated bank statements & bank statement income worksheet to within REDACTED days of note date are required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Updated bank statement, lender worksheet, and 1008 received. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 15932688 D A | Closed | FCRE1146 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Partially Present | Resolved-Lender title coverage received - resolved - Due Diligence Vendor-REDACTED <br>Ready for Review-title policy to clear condition - Seller-REDACTED <br>Ready for Review-Document Uploaded. TITLE POLICY - Seller-REDACTED <br>Open-Title Document is incomplete or only partially present PRELIMINARY TITLE SUPPLEMENT NEEDED SHOWING LENDER AS PROPOSED INSURED AND LENDER'S COVERAGE AMOUNT. - Due Diligence Vendor-REDACTED | Ready for Review-title policy to clear condition - Seller-REDACTED <br>Ready for Review-Document Uploaded. TITLE POLICY - Seller-REDACTED<br>| Resolved-Lender title coverage received - resolved - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 17284746 D A | Closed | FCRE3653 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Cash Out LOE received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Missing letter of explanation regarding the use of loan funds must be provided cash-out refinance transactions required by Guidelines. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Cash Out LOE received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 17284746 D A | Closed | FCOM1208 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | The Note is Incomplete | Resolved-The Note is Present - Due Diligence Vendor-REDACTED <br> Resolved-Corrected note and DOT received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-The Note is Incomplete Title vesting reflects REDACTED, REDACTED, however the borrower signed the note and Deed of Trust as the borrower only, not REDACTED. Lender to advise if there was a quit claim deed at closing removing the property from REDACTED. If the property is still in REDACTED and vesting is the same, the note and deed of trust need to be resigned as REDACTED. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-The Note is Present - Due Diligence Vendor-REDACTED <br>Resolved-Corrected note and DOT received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 13265383 D A | Closed | FCRE1146 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Partially Present | Resolved-FTP received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Please see final title policy attached - Seller-REDACTED <br> Open-Title Document is incomplete or only partially present Preliminary title is missing Lender as named insured and Lender's coverage of REDACTED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Please see final title policy attached - Seller-REDACTED<br>| Resolved-FTP received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 13265383 D A | Closed | FCRE1201 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED <br> Resolved-Fraud report received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Please see Fraud Report attached. - Seller-REDACTED <br> Open-Missing Third Party Fraud Report FRAUDGUARD IS MISSING-ONLY REDACTED WAS PROVIDED. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Please see Fraud Report attached. - Seller-REDACTED<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED <br>Resolved-Fraud report received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 14091423 D B A | Closed | FCRE1148 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Lender coverage received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. title supp for proposed insured loan amount uploaded - Buyer-REDACTED <br> Open-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) - Missing proposed insured amount on Title policy. Only loan amount was stated. REDACTED - Due Diligence Vendor-REDACTED |  | Resolved-Lender coverage received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 14091423 D B A | Closed | FCRE03REDACTED | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Updated mortgage statement attached - Buyer-REDACTED <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Mortgage statement dated REDACTED exceeds REDACTED days allowed by Guidelines from Note date - REDACTED. REDACTED - Due Diligence Vendor-REDACTED |  | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 14091423 D B A | Closed | FCRE3653 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Received on 1003 - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Please see cash out LOE on REDACTEDof initial 1003 - Buyer-REDACTED <br> Open-Missing letter of explanation regarding the use of loan funds for cash-out refinance transactions required by Guidelines - Due Diligence Vendor-REDACTED |  | Resolved-Received on 1003 - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 14091423 D B A | Closed | FCRE8201 | REDACTED | REDACTED | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Exception form in file to allow use of gift letters showing private mortgage was paid off before REDACTED for that mortgage loan's history. - Due Diligence Vendor-REDACTED |  | Waived-Exception form in file to allow use of gift letters showing private mortgage was paid off before REDACTED for that mortgage loan's history. - Due Diligence Vendor-REDACTED |  | CLTV of REDACTED, FICO REDACTED |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes |
| REDACTED |  | 11868703 D A C | Closed | finding-47 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD reflecting corrected disbursement date of REDACTED received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. FInal CD attached reflecting disbursement date of REDACTED - Seller-REDACTED <br> Counter-RTC received for both title holders - end of right to rescind is indicated as midnight on REDACTED. The final CD in file shows that the loan disbursed on REDACTED, which is prior to the expiration of the Right to Cancel period. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see attached.<br> Thanks! - Buyer-REDACTED <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 CLOSING DATE FROM THE FINAL CD WAS REDACTED WITH A DISBURSEMENT DATE OF REDACTED. THE BORROWER SIGNED FINAL DOCS ON REDACTED. THE BORROWER CHANGED AND INITIALIZED THE DATES OF THE NOTICE OF THE RIGHT TO CANCEL TO SHOW THE LAST DAY TO CANCEL AS REDACTED, THE SAME DAY OF DISBURSEMENT FROM THE FINAL CD. NO POST CLOSE CD WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. FInal CD attached reflecting disbursement date of REDACTED - Seller-REDACTED | Resolved-PCCD reflecting corrected disbursement date of REDACTED received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 11868703 D A C | Closed | FCOM1265 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Right to Rescind | Non-Borrower Title Holder Did Not Receive Right of Rescission Form | Resolved-RTC for non-borrowing title holder received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Hi,<br> Please see attached. <br> Thanks! - Seller-REDACTED <br>Open-Non-Borrower Title Holder Did Not Receive Right of Rescission Form - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Hi,<br> Please see attached. <br> Thanks! - Seller-REDACTED<br>| Resolved-RTC for non-borrowing title holder received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 11868703 D A C | Closed | finding-3638 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Reimbursement Amount Test | Resolved-COC received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see attached. <br> Thanks! - Seller-REDACTED <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 REDACTED, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, REDACTED.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 REDACTED 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 REDACTED days after consummation. THE DOCUMENT SIGNING FEE WAS DISCLOSED AS REDACTED ON THE INITIAL LE. THE DOCUMENT SIGNING FEE INCREASED TO THE AMOUNT OF REDACTED ON THE FINAL CD. NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Hi,<br> Please see attached. <br> Thanks! - Seller-REDACTED<br>| Resolved-COC received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 11868703 D A C | Closed | finding-3634 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-COC received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see attached. <br> Thanks! - Seller-REDACTED <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 REDACTED.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 DOCUMENT SIGNING FEE WAS DISCLOSED AS REDACTED ON THE INITIAL LE. THE DOCUMENT SIGNING FEE INCREASED TO THE AMOUNT OF REDACTED ON THE FINAL CD. NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. <br> THERE WAS NO INSURANCE CERT FEE DISCLOSED ON THE INITIAL LE. AN INSURANCE CERT FEE WAS DISCLOSED AS REDACTED ON THE FIANL CD. A LENDER CREDIT OF REDACTED WAS ISSUED ON THE FINAL CD TO CURE THE INCREASE. - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Hi,<br> Please see attached. <br> Thanks! - Seller-REDACTED<br>| Resolved-COC received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 11868703 D A C | Closed | FCREREDACTED19 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Patriot Act verification received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see the attached Patriot Act form.<br> Thanks! - Buyer-REDACTED <br> Open-Borrower 1 Citizenship Documentation Is Missing Missing REDACTED Patriot Act Form - Due Diligence Vendor-REDACTED |  | Resolved-Patriot Act verification received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 12677363 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |
| REDACTED |  | 10723717 D B C A | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-REDACTED <br> Resolved-Title supplement received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. title sup attached - Seller-REDACTED <br> Open-Title supplement showing lender name and coverage amount is needed. Lender is not listed on preliminary title. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. title sup attached - Seller-REDACTED<br>| Resolved-Property Title Issue Resolved - Due Diligence Vendor-REDACTED <br>Resolved-Title supplement received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 10723717 D B C A | Closed | FCRE3653 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Cash out explanation from REDACTED received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Buyer-REDACTED <br> Counter-This finding is based on guidelines REDACTED requiring a LOE - Due Diligence Vendor-REDACTED <br> Ready for Review-Not required per guidelines. loan purpose on REDACTED refi will always be REDACTED. - Seller-REDACTED <br> Open-Missing letter of explanation regarding the use of loan funds required by Guidelines for REDACTED transactions - Due Diligence Vendor-REDACTED | Ready for Review-Not required per guidelines. loan purpose on REDACTED refi will always be REDACTED. - Seller-REDACTED | Resolved-Cash out explanation from REDACTED received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 10723717 D B C A | Closed | finding-47 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD received verifying disbursement date after right to cancel period expired - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. PCCD uploaded reflecting disb date of 1/15 - Seller-REDACTED <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 HAD A CLOSING DATE OF REDACTED WITH A DISBURSEMENT DATE OF REDACTED. THE BORROWER SIGNED THE FINAL CD ON REDACTED. THE BORROWER INITIALIZED AND CHANGED THE DATES OF THE NOTICE OF THE RIGHT TO CANCEL TO REFLECT THE LAST DAY TO CANCEL AS REDACTED, THE SAME DATE OF THE DISBURSEMENT DATE. - Due Diligence Vendor-REDACTED <br>Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. PCCD uploaded reflecting disb date of REDACTED - Seller-REDACTED | Resolved-PCCD received verifying disbursement date after right to cancel period expired - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 10723717 D B C A | Closed | FCRE8946 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Income/Employment | Income documentation expiration dates | Resolved-Stmt received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. REDACTED stmnt uploaded - Seller-REDACTED <br> Open-Bank statement used to verify income for REDACTED is dated REDACTED and exceeds REDACTED days income documentation age allowed by Guidelines.REDACTED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. REDACTED stmnt uploaded - Seller-REDACTED | Resolved-Stmt received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 10723717 D B C A | Closed | FCRE1964 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Statements received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. REDACTED uploaded - Seller-REDACTED <br> Open-Missing the following bank statements used by lender to meet REDACTED months requirement for REDACTED income for Borrower 1 : REDACTED per income worksheet provided on REDACTED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. REDACTED uploaded - Seller-REDACTED | Resolved-Statements received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 10723717 D B C A | Closed | FCRE1437 | REDACTED | REDACTED | Waived | 2 - Non-Material B | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Waived-Income and Employment Do Not Meet Guidelines REDACTED income was calculated using REDACTED months per Guidelines dated REDACTED in lieu of REDACTED months per applicable Guidelines dated REDACTED being the application guideline at time of application for this review. Lender provided guidelines exception approval allowing to process the transaction based on the following compensating factors: Page 1 - Due Diligence Vendor-REDACTED |  | Waived-Income and Employment Do Not Meet Guidelines REDACTED income was calculated using REDACTED months per Guidelines dated REDACTED in lieu of REDACTED months per applicable Guidelines dated REDACTED being the application guideline at time of application for this review. Lender provided guidelines exception approval allowing to process the transaction based on the following compensating factors: Page 1 - Due Diligence Vendor-REDACTED |  | LTV is REDACTED<br> - FICO is REDACTED<br> - Borrower has REDACTED on current open mortgage and REDACTED on entire credit report dating back to earliest overall inception in REDACTED |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes |
| REDACTED |  | 17361516 D B A | Closed | FCRE1335 | REDACTED | REDACTED | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Waived-Tax transcripts received - ordered after note date. Transcripts reflect REDACTED. Waived status - transcripts not dated prior to closing. - Due Diligence Vendor-REDACTED <br> Acknowledged-Tax transcripts received - ordered after note date. Transcripts reflect REDACTED. Acknowledged - transcripts not dated prior to closing. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Borrower 1 IRS Transcripts Missing REDACTED TRANSCRIPTS REDACTED ARE MISSING - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Waived-Tax transcripts received - ordered after note date. Transcripts reflect REDACTED. Waived status - transcripts not dated prior to closing. - Due Diligence Vendor-REDACTED <br> Acknowledged-Tax transcripts received - ordered after note date. Transcripts reflect REDACTED. Acknowledged - transcripts not dated prior to closing. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No |
| REDACTED |  | 17361516 D B A | Closed | FCRE1365 | REDACTED | REDACTED | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 2 IRS Transcripts Missing | Waived-Tax transcripts received - ordered after note date. Transcripts reflect REDACTED. Waived status - transcripts not dated prior to closing. - Due Diligence Vendor-REDACTED <br> Acknowledged-Tax transcripts received - ordered after note date. Transcripts reflect REDACTED. Acknowledged - transcripts not dated prior to closing. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Borrower 2 IRS Transcripts Missing REDACTED TRANSCRIPTS REDACTED ARE MISSING - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Waived-Tax transcripts received - ordered after note date. Transcripts reflect REDACTED. Waived status - transcripts not dated prior to closing. - Due Diligence Vendor-REDACTED <br> Acknowledged-Tax transcripts received - ordered after note date. Transcripts reflect REDACTED. Acknowledged - transcripts not dated prior to closing. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No |
| REDACTED |  | 17361516 D B A | Closed | FCRE3978 | REDACTED | REDACTED | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Waived-Waived status - Document Uploaded. UW LOE dated after close date from the Underwriter vs. borrower statement prior to closing received - exception and downgrade of rating previously made stands. - Due Diligence Vendor-REDACTED <br>Acknowledged-Document Uploaded. UW LOE dated after close date from the Underwriter vs. borrower statement prior to closing received - exception and downgrade of rating previously made stands. - Due Diligence Vendor-REDACTED <br>Acknowledged-Exception waiver received for no cash out LOE. - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Counter-Exception form received. Exception form is required to be signed/e-signed and dated by approving underwriter. - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-CASH OUT LETTER IS MISSING FROM FILE. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Waived-Waived status - Document Uploaded. UW LOE dated after close date from the Underwriter vs. borrower statement prior to closing received - exception and downgrade of rating previously made stands. - Due Diligence Vendor-REDACTED <br>Acknowledged-Document Uploaded. UW LOE dated after close date from the Underwriter vs. borrower statement prior to closing received - exception and downgrade of rating previously made stands. - Due Diligence Vendor-REDACTED <br>Acknowledged-Exception waiver received for no cash out LOE. - Due Diligence Vendor-REDACTED<br>|  | Both borrowersREDACTED job, Residual income positive inclusive of REDACTED, Saving borrowers REDACTED with REDACTED, REDACTED credit depth, current mortgage REDACTED | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes |
| REDACTED |  | 17361516 D B A | Closed | FCRE8201 | REDACTED | REDACTED | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Document Uploaded. Exception made to omit the REDACTED from the tax transcripts based on the primary source of income being REDACTED - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED |  | Waived-Document Uploaded. Exception made to omit the REDACTED from the tax transcripts based on the primary source of income being REDACTED - Due Diligence Vendor-REDACTED |  | REDACTED months reserves from cash out proceeds, both borrowers over REDACTED on current job, REDACTED residual, saved consumer combined debt payments, REDACTED on first mortgage history | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes |
| REDACTED |  | 17361516 D B A | Closed | FCRE1193 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Resolved finding - exception is being made to omit REDACTED - see additional finding. - Due Diligence Vendor-REDACTED <br> Acknowledged-Exception received to allow REDACTED DTI due to REDACTED of REDACTED that was determined from tax transcripts. - Due Diligence Vendor-REDACTED <br> Escalated-Issue escalated - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Counter-Exception form received. Exception form is required to be signed/e-signed and dated by approving underwriter. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Tax transcripts received which reflect REDACTED that was not previously included in DTI calculations. Loss of REDACTED included based on REDACTED transcript. DTI is now REDACTED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Resolved finding - exception is being made to omit REDACTED - see additional finding. - Due Diligence Vendor-REDACTED <br> Acknowledged-Exception received to allow REDACTED DTI due to REDACTED of REDACTED that was determined from tax transcripts. - Due Diligence Vendor-REDACTED |  | REDACTED months reserves from cash out proceeds, borrowers both greater than REDACTED on same job, REDACTED per month residual, saving borrower REDACTED | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 17361516 D B A | Closed | FCRE1145 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document Missing | Resolved-Document Uploaded. - Due Diligence Vendor-REDACTED <br>Resolved-Final Title Policy with lenders coverage received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Title Document is missing Property Report - O&E is the title document in file. A full title policy (ALTA) is required. PRELIMINARY TITLE COMMITMENT IS MISSING FROM LOAN FILE. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Document Uploaded. - Due Diligence Vendor-REDACTED <br>Resolved-Final Title Policy with lenders coverage received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 17361516 D B A | Closed | FCRE3464 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Closing/Final Verbal VOE | Resolved-B2 VVOE received within REDACTED days of note date - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Counter-B1 VVOE within REDACTED days received. B2 VVOE still needed. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-VVOE FOR BOTH ARE MORE THAN REDACTED DAYS FROM NOTE DATE OF REDACTED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-B2 VVOE received within REDACTED days of note date - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 17361516 D B A | Closed | FCRE1152 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Evidence of Property Tax is present - Due Diligence Vendor-REDACTED <br>Resolved-Tax information received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Missing Evidence of Property Tax - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Evidence of Property Tax is present - Due Diligence Vendor-REDACTED <br>Resolved-Tax information received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 17361516 D B A | Closed | finding-3631 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-COC received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <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. THE APPRAISAL FEE WAS DISCLOSED AS REDACTED ON THE INITIAL LE. THE APPRAISAL FEE INCREASED TO THE AMOUNT OF REDACTED ON THE FINAL CD. THERE WAS NO APPRAISAL REVIEW FEE DISCLOSED ON THE INITIAL LE. AN APPRAISAL REVIEW FEE WAS DISCLOSED AS REDACTED ON THE FINAL CD. NO COC WAS LOCATED IN FILE. A LENDER CREDIT WAS ISSUED IN THE AMOUN OF REDACTED ON THE FINAL CD BUT DID NOT CURE THE INCREASE IN FEES. - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-COC received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 17361516 D B A | Closed | finding-3634 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-COC received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <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 REDACTED.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 APPRAISAL FEE WAS DISCLOSED AS REDACTED ON THE INITIAL LE. THE APPRAISAL FEE INCREASED TO THE AMOUNT OF REDACTED ON THE FINAL CD. THERE WAS NO APPRAISAL REVIEW FEE DISCLOSED ON THE INITIAL LE. AN APPRAISAL REVIEW FEE WAS DISCLOSED AS REDACTED ON THE FINAL CD. NO COC WAS LOCATED IN FILE. A LENDER CREDIT WAS ISSUED IN THE AMOUN OF REDACTED ON THE FINAL CD BUT DID NOT CURE THE INCREASE IN FEES. - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-COC received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 17361516 D B A | Closed | finding-3652 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-COC received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <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 REDACTED does not exceed or equal the comparable sum of specific and non-specific lender credits (REDACTED). 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). A LENDER CREDIT WAS ISSUED IN THE AMOUN OF REDACTED ON THE INITIAL CD. THE LENDER CREDIT DECREASED TO THE AMOUNT OF REDACTED ON THE FINAL CD. NO COC WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-COC received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 17361516 D B A | Closed | FCRE6914 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 Citizenship Documentation Not Provided | Resolved-REDACTED Patriot Act ID verification received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Borrower 2 Citizenship Documentation Is Missing - Verification of identity/ Patriot Act identity verification is not in file. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-REDACTED Patriot Act ID verification received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 17361516 D B A | Closed | FCREREDACTED19 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-REDACTED Patriot Act ID verification received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Borrower 1 Citizenship Documentation Is Missing - Verification of identity/ Patriot Act identity verification is not in file. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-REDACTED Patriot Act ID verification received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 17361516 D B A | Closed | FCRE1201 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED <br>Resolved-Fraud report received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-REDACTED <br>Resolved-Fraud report received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 17361516 D B A | Closed | FCOM1262 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Right of Rescission is Missing | Resolved-Right of Rescission is Provided - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Right of Rescission is Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Right of Rescission is Provided - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 17489220 C A | Closed | finding-3638 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Reimbursement Amount Test | Resolved-LE received resolved - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see attached. There was a LE with COC that covered the appraisal desk fee.<br> Thanks! - Buyer-REDACTED <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 REDACTED, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, REDACTED.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 REDACTED 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 REDACTED days after consummation. THERE WAS NO APPRAISAL REVIEW FEE DISCLOSED ON THE INITIAL LE. AN APPRAISAL REVIEW FEE WAS DISCLOSED IN THE AMOUNT OF REDACTED ON THE FINAL CD. A LENDER CREDIT OF REDACTED WAS ISSUED ON THE FINAL CD BUT WAS NOT ENGOUTH TO CURE THE INCREASE. - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED |  | Resolved-LE received resolved - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 17489220 C A | Closed | finding-3634 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-LE received resolved - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see attached. There was a LE with COC that covered the appraisal desk fee.<br> Thanks! - Buyer-REDACTED <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 REDACTED.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). THERE WAS NO APPRAISAL REVIEW FEE DISCLOSED ON THE INITIAL LE. AN APPRAISAL REVIEW FEE WAS DISCLOSED IN THE AMOUNT OF REDACTED ON THE FINAL CD. A LENDER CREDIT OF REDACTED WAS ISSUED ON THE FINAL CD BUT WAS NOT ENGOUH TO CURE THE INCREASE. - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED |  | Resolved-LE received resolved - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 15111630 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other |  |  |
| REDACTED |  | 18086704 D A | Closed | FCRE5783 | REDACTED | REDACTED | 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-REDACTED <br> Ready for Review-Document Uploaded. Credit Refresh uploaded - Seller-REDACTED <br> Open-Borrower 2 Gap Credit Report is Missing CREDIT REPORT IS OVER REDACTED DAYS OLD-GAP REPORT IS REQUIRED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Credit Refresh uploaded - Seller-REDACTED<br>| Resolved-Borrower 2 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A |
| REDACTED |  | 18086704 D A | Closed | FCRE5782 | REDACTED | REDACTED | 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-REDACTED <br> Ready for Review-Document Uploaded. Credit Refresh uploaded - Seller-REDACTED <br> Open-Borrower 1 Gap Credit Report is Missing CREDIT REPORT IS OVER REDACTED DAYS OLD-GAP REPORT IS REQUIRED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Credit Refresh uploaded - Seller-REDACTED<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 | N/A | N/A |
| REDACTED |  | 11816576 D A C | Closed | FCRE1440 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Updated 1008 received with housing explained - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Please see email LOX from REDACTED to clear condition. - Seller-REDACTED <br> Open-Housing History Does Not Meet Guideline Requirements NO PRIMARY HOUSING EXPENSE AND NO EXPLANATION WAS PROVIDED. BORROWER DOES NOT MEET REQUIREMENTS FOR REDACTED. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Please see email LOX from REDACTED to clear condition. - Seller-REDACTED | Resolved-Updated 1008 received with housing explained - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 11816576 D A C | Closed | FCRE1146 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Partially Present | Resolved-Title Document is fully Present - Due Diligence Vendor-REDACTED <br> Resolved-FTP received with lenders coverage - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. SEE TITLE POLICY TO CLEAR CONDITION - Seller-REDACTED <br> Open-Title Document is incomplete or only partially present PRELIMINARY TITLE MISSING LENDERS NAME AND COVERAGE OF REDACTED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. SEE TITLE POLICY TO CLEAR CONDITION - Seller-REDACTED<br>| Resolved-Title Document is fully Present - Due Diligence Vendor-REDACTED <br>Resolved-FTP received with lenders coverage - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 11816576 D A C | Closed | FCOM9001 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Disclosure | Business Purpose Affidavit | Resolved-Signed business purpose affidavit received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. PLEASE SEE ATTACHED BUSINESS PURPOSE TO CLEAR CONDITION - Seller-REDACTED <br> Open-Business Purpose Affidavit missing from loan file Business purpose affidavit/occupancy affidavit is not signed - REDACTED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. PLEASE SEE ATTACHED BUSINESS PURPOSE TO CLEAR CONDITION - Seller-REDACTED<br>| Resolved-Signed business purpose affidavit received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 13407506 C A | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Final title received - resolved - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Counter-REDACTED on Affidavit is attestation that there are no additional liens. Either the search or the final title opinion with no additional liens is needed in addition to this affidavit. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Preliminary title - REDACTED indicates that there were returned findings to the title company on borrower from the REDACTED and REDACTED. The attached search referencing the findings is not in file and is required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Final title received - resolved - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 10026561 D B A | Closed | FCRE1335 | REDACTED | REDACTED | Acknowledged | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Acknowledged-Transcripts received, dated after note/disbursement date. Acknowledged. - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Transcripts uploaded - Seller-REDACTED <br>Open-Borrower 1 IRS Transcripts Missing Two years W2/tax transcripts missing, required for wage earner income - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Transcripts uploaded - Seller-REDACTED<br>| Acknowledged-Transcripts received, dated after note/disbursement date. Acknowledged. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No |
| REDACTED |  | 16238301 C A | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Final title received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Please see REDACTED and REDACTED - Seller-REDACTED <br> Open-REDACTED on title for REDACTED. Final title opinion required to verify REDACTED lien position & that REDACTED is in third lien position. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Please see REDACTED and REDACTED - Seller-REDACTED | Resolved-Final title received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 16238301 C A | Closed | FCRE1148 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Lenders title coverage received on final title policy - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Please see attached final title policy - Seller-REDACTED <br> Open-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) Lender is not named and lender's coverage amount is not shown on preliminary title. (Final title report required - see additional finding.) - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Please see attached final title policy - Seller-REDACTED<br>| Resolved-Lenders title coverage received on final title policy - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 14496648 D A | Closed | FCRE5116 | REDACTED | REDACTED | 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-REDACTED <br> Resolved-VOM & statement received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Subject property first mortgage not reporting on credit. VOM for REDACTED months and the first mortgage statement within REDACTED days of note date required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-REDACTED <br>Resolved-VOM & statement received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 14496648 D A | Closed | FCOM1231 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Initial 1003 received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-The Initial 1003 is Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Initial 1003 received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 14496648 D A | Closed | FCRE1148 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Final TItle Received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) - Title policy is missing lender as named proposed insured and lender coverage amount. REDACTED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Final TItle Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 11981206 D A | Closed | FCRE3978 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-LOE received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Counter-Please reference the REDACTED - REDACTED - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Per REDACTED- Rebuttal LOX uploaded - Per out guidelines do not state a cash out letter is required. REDACTED does not require a cash out letter. - Seller-REDACTED <br> Open-CASH OUT PURPOSE LETTER IS MISSING - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED <br> Ready for Review-Document Uploaded. Per REDACTED- Rebuttal LOX uploaded - Per out guidelines do not state a cash out letter is required. REDACTED does not require a cash out letter. - Seller-REDACTED | Resolved-LOE received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 11981206 D A | Closed | FCRE1167 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s)and Replacement Cost Estimator by Insurer was not Provided | Resolved-Sufficent Hazard Insurance Coverage is provided or Guaranteed Replacement Coverage is present and Insurer has provided Replacement Cost Estimator - Due Diligence Vendor-REDACTED <br> Resolved-RCE received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Updated HOI RCE - Seller-REDACTED <br> Counter-RCE received, however there is no identifying information on the RCE. Borrower name, subject property address, HOI policy number are all missing from the RCE documentation. There is no way to tie this RCE to the property insurance. Will you please provide documentation that ties the RCE to the subject collateral and HOI policy? - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. HOI RCE - Seller-REDACTED <br> Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage of REDACTED is less than all Subject Lien(s), and Guaranteed Replacement Coverage is provided but Replacement Cost Estimator by Insurer was not Provided REDACTED. Coverage total with extended coverage increase is REDACTED. No RCE in file. Increased coverage A or RCE verifying coverage is sufficient is required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Updated HOI RCE - Seller-REDACTED <br>Ready for Review-Document Uploaded. HOI RCE - Seller-REDACTED<br>| Resolved-Sufficent Hazard Insurance Coverage is provided or Guaranteed Replacement Coverage is present and Insurer has provided Replacement Cost Estimator - Due Diligence Vendor-REDACTED <br>Resolved-RCE received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 12037112 D A | Closed | FCRE2109 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Lender income worksheet received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-- Missing income worksheet required by Guidelines. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Lender income worksheet received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 12037112 D A | Closed | FCRE5116 | REDACTED | REDACTED | 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-REDACTED <br> Resolved-Document Uploaded. First mortgage documentation received - Due Diligence Vendor-REDACTED <br> Open-First mortgage statement (REDACTED) is more than REDACTED days from note date. First mortgage statement is dated REDACTED. - Due Diligence Vendor-REDACTED |  | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-REDACTED <br>Resolved-Document Uploaded. First mortgage documentation received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 17045398 D A | Closed | FCRE5782 | REDACTED | REDACTED | 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-REDACTED <br> Resolved-UDM received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Borrower 1 Gap Credit Report is Missing GAP REPORT IS REQUIRED WITHIN REDACTED DAYS OF NOTE DATE AND IS MISSING FROM FILE - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED <br>Resolved-UDM received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 17045398 D A | Closed | FCRE3978 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-Cash Out LOE received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-USE FOR CASH OUT LETTER IS MISSING FROM FILE - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Cash Out LOE received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 16958668 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other |  |  |
| REDACTED |  | 13936667 D A | Closed | FCRE1148 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) - Due Diligence Vendor-REDACTED <br> Resolved-Title with lender name and coverage received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) Lender name and lender title coverage is not shown on title policy. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) - Due Diligence Vendor-REDACTED <br> Resolved-Title with lender name and coverage received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 13936667 D A | Closed | FCRE1157 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-REDACTED <br> Resolved-HOI received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Missing Hazard Insurance Policy Missing HOI for REDACTED. Policy for REDACTED in file. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-REDACTED <br>Resolved-HOI received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 13936667 D A | Closed | FCOM1231 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Initial 1003 received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-The Initial 1003 is Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Initial 1003 received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 176870REDACTED | Closed | finding-3638 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Reimbursement Amount Test | Resolved-COC received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see attached from seller. <br> Thanks! - Seller-REDACTED <br> Open- - Due Diligence Vendor-REDACTED <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 REDACTED, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, REDACTED.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 REDACTED 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 REDACTED days after consummation. THE LOAN ORIGINATION FEE WAS DISCLOSED IN THE AMOUNT OF REDACTED ON THE INITIAL LE. THE LOAN ORIGINATION FEE INCREASED TO THE AMOUNT OF REDACTED ON THE REVISED LE AND THEN REDACTED ON THE FINAL CD. NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Hi,<br> Please see attached from seller. <br> Thanks! - Seller-REDACTED<br>| Resolved-COC received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 176870REDACTED | Closed | finding-3634 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-COC received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see attached from seller. <br> Thanks! - Buyer-REDACTED <br> Open- - Due Diligence Vendor-REDACTED <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 REDACTED.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 LOAN ORIGINATION FEE WAS DISCLOSED IN THE AMOUNT OF REDACTED ON THE INITIAL LE. THE LOAN ORIGINATION FEE INCREASED TO THE AMOUNT OF REDACTED ON THE REVISED LE AND THEN REDACTED ON THE FINAL CD. NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED |  | Resolved-COC received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 176870REDACTED | Closed | finding-2261 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Points & Fees | REDACTED Rate Spread Home Loan Test | Resolved-Per TPR compliance team - Statue verbiage does not prohibit lenders from originating REDACTED Rate Spread Home loans as long as additional conditions are met which are ATR verification and no PPP. ATR verification has been conducted on this file. There is no PPP. Resolved. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see attached from seller. <br> Thanks! - Seller-REDACTED <br> Open-This loan failed the REDACTED rate spread home loan test.<br> (REDACTED)The loan is a rate spread home loan, as defined in the legislation. For more information please see the REDACTED section of the full REDACTED report.While the REDACTED provisions specify that lenders can legally make this type of loan subject to certain conditions, some lenders and secondary market investors may prefer not to fund or buy REDACTED home loans even if the additional conditions are met. Also as per lender REDACTED, REDACTED is this loan's APR of REDACTED. Threshold is determined by adding REDACTED to the comparable APOR which was REDACTED on the last date the interest rate was set prior to closing. - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Hi,<br> Please see attached from seller. <br> Thanks! - Seller-REDACTED<br>| Resolved-Per TPR compliance team - Statue verbiage does not prohibit lenders from originating REDACTED Rate Spread Home loans as long as additional conditions are met which are ATR verification and no PPP. ATR verification has been conducted on this file. There is no PPP. Resolved. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 16136396 D B A C | Closed | FCRE1335 | REDACTED | REDACTED | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Waived-Transcripts received dated after disbursement date - B/2 - Due Diligence Vendor-REDACTED <br>Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Borrower 1 IRS Transcripts Missing Missing two years W2 tax transcripts required for salaried borrowers per Guidelines - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Waived-Transcripts received dated after disbursement date - B/2 - Due Diligence Vendor-REDACTED <br>Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Post-Close | No |
| REDACTED |  | 16136396 D B A C | Closed | FCRE1146 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Partially Present | Resolved-Full title policy effective note date received showing lender and lender coverage equal to loan amount. - Due Diligence Vendor-REDACTED <br> Resolved-Title Document is fully Present - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Title Document is incomplete or only partially present - Title Form Type (O&E) provided by lender is not allowed by Guidelines REDACTED. Full title - ALTA policy - is required. Lenders coverage must be effective as of the note date or prior. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Full title policy effective note date received showing lender and lender coverage equal to loan amount. - Due Diligence Vendor-REDACTED <br>Resolved-Title Document is fully Present - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 16136396 D B A C | Closed | FCOM1262 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Right of Rescission is Missing | Resolved-Signed RTC received - Due Diligence Vendor-REDACTED <br> Resolved-Signed RTC received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Right of Rescission is Missing Signed copies of both right to cancel forms are missing. Forms in file are not signed by borrower & non-borrowing spouse REDACTED. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Signed RTC received - Due Diligence Vendor-REDACTED <br>Resolved-Signed RTC received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 16136396 D B A C | Closed | FVAL1628 | REDACTED | REDACTED | Resolved | 1 - Information C A | Property | Property | No HOA fees on appraisal and property identified as a PUD | Resolved-HOA verification received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Missing supporting documentation to verify monthly REDACTED of REDACTED per 1008 on subject property. Valuation was verified from REDACTED. REDACTED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-HOA verification received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 16136396 D B A C | Closed | FCRE3653 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing letter of explanation | Resolved-Cash out letter received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Missing letter of explanation regarding the use of loan funds for cash-out refinance transactions required by Guidelines. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Cash out letter received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 19044116 C A | Closed | finding-3638 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Reimbursement Amount Test | Resolved-COC received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <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 REDACTED, is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, REDACTED.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 REDACTED 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 REDACTED days after consummation. THERE WAS NO APPRAISAL REVIEW FEE ON THE INITIAL LE. AN APPRAISAL REVIEW FEE OF REDACTED WAS DISCLOSED ON THE FINAL CD. NO CLOSING PROTECTION LETTER FEE WAS DISCLOSED ON THE INITIAL LE. A CLOSING PROTECTION LETTER FEE OF REDACTED WAS DISCLOSED ON THE FINAL CD. A LENDER CREDIT OF REDACTED WAS DISCLOSED ON THE INITIAL LE. THE LENDER CREDIT DECREASED TO REDACTED ON THE FINAL CD. NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-COC received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 19044116 C A | Closed | finding-3634 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-COC received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <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 REDACTED.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). THERE WAS NO APPRAISAL REVIEW FEE ON THE INITIAL LE. AN APPRAISAL REVIEW FEE OF REDACTED WAS DISCLOSED ON THE FINAL CD. NO CLOSING PROTECTION LETTER FEE WAS DISCLOSED ON THE INITIAL LE. A CLOSING PROTECTION LETTER FEE OF REDACTED WAS DISCLOSED ON THE FINAL CD. NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-COC received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 19044116 C A | Closed | finding-3652 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-COC received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <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 (REDACTED) does not exceed or equal the comparable sum of specific and non-specific lender credits (REDACTED). 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). A LENDER CREDIT OF REDACTED WAS DISCLOSED ON THE INITIAL LE. THE LENDER CREDIT DECREASED TO REDACTED ON THE FINAL CD. NO COC OR REIMBURSEMENT WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-COC received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 19044116 C A | Closed | FCRE1148 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) - Due Diligence Vendor-REDACTED <br> Resolved-Final title with adequate lender coverage received. REDACTED not present on final title. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) 1. Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien REDACTED. REDACTED<br> 2. Copy of REDACTED termination of REDACTED needed - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) - Due Diligence Vendor-REDACTED <br> Resolved-Final title with adequate lender coverage received. REDACTED not present on final title. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 11946240 D B A | Closed | FCRE1168 | REDACTED | REDACTED | Waived | 2 - Non-Material C B | Credit | Insurance | Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s) and Replacement Cost Value Provided | Waived-Exception received to allow hazard insurance coverage of REDACTED which is short replacement cost per RCE and short of combined loan amounts totaling REDACTED. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see attached. We granted an exception for this. <br> Thanks! - Seller-REDACTED <br> Counter-Expanded replacement cost percentage of REDACTED received. Coverage A REDACTED Coverage for total of all liens is not provided and there is no RCE in file. Total liens - REDACTED - Due Diligence Vendor-REDACTED <br> Ready for Review-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of REDACTED is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of REDACTED - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi, <br> Please see extra page reflecting the extended replacement coverage percentage. <br> Thanks! - Buyer-REDACTED <br> Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage Amount of REDACTED is less than all Subject Lien(s) and/or Replacement Cost Estimator is provided but Hazard Insurance Coverage Amount is less than Replacement Cost Value of REDACTED Required dwelling covering REDACTED exceeds dwelling coverage on the homeowner insurance policy REDACTED. Expanded replacement cost percentage of increase of coverage A does not have a defined percentage increase on the dec page. No RCE provided. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Hi,<br> Please see attached. We granted an exception for this. <br> Thanks! - Seller-REDACTED<br>| Waived-Exception received to allow hazard insurance coverage of REDACTED which is short replacement cost per RCE and short of combined loan amounts totaling REDACTED. - Due Diligence Vendor-REDACTED |  | CLTV is REDACTED vs program max of REDACTED, Credit score REDACTED vs. REDACTED program minimum, borrower self-employed in same line of business for REDACTED | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes |
| REDACTED |  | 11946240 D B A | Closed | FCRE5116 | REDACTED | REDACTED | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing VOM or VOR | Waived-Exception received to allow use of REDACTED guidelines which allow mortgage statements to be within REDACTED days vs REDACTED days at closing. Stmt date is REDACTED vs. note date of REDACTED. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see attached. We granted an exception for this. <br> Thanks! - Seller-REDACTED <br> Counter-The statement provided is greater than REDACTED days of the note date. Stmt is dated REDACTED, Note date is REDACTED. (This loan was underwritten to the REDACTED guidelines since the application date was prior to the mortgage statement requirement max days change in the REDACTED requirements.) - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see the attached mortgage statement. <br> Thanks! - Seller-REDACTED <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing current first mortgage statement within REDACTED days of the note date from REDACTED- Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Hi,<br> Please see attached. We granted an exception for this. <br> Thanks! - Seller-REDACTED <br>Ready for Review-Document Uploaded. Hi,<br> Please see the attached mortgage statement. <br> Thanks! - Seller-REDACTED<br>| Waived-Exception received to allow use of REDACTED guidelines which allow mortgage statements to be within REDACTED days vs REDACTED days at closing. Stmt date is REDACTED vs. note date of REDACTED. - Due Diligence Vendor-REDACTED |  | CLTV is REDACTED vs program max of REDACTED, Credit score REDACTED vs. REDACTED program minimum, borrower self-employed in same line of business for REDACTED | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes |
| REDACTED |  | 11946240 D B A | Closed | FCRE1316 | REDACTED | REDACTED | 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-REDACTED <br>Resolved-VVOE received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Hi,<br> Please see attached B1 VVOE.<br> Thanks! - Buyer-REDACTED <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-REDACTED |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-REDACTED <br>Resolved-VVOE received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 11946240 D B A | Closed | FCRE1347 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | 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-REDACTED <br>Resolved-VVOE received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Hi,<br> Please see attached B2 VVOE.<br> Thanks! - Seller-REDACTED <br>Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Hi,<br> Please see attached B2 VVOE.<br> Thanks! - Seller-REDACTED<br>| Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-REDACTED <br>Resolved-VVOE received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 11946240 D B A | Closed | finding-3939 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-LE received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Hi,<br> Please see the attached locked LE<br> Thanks! - Seller-REDACTED <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 REDACTED. MISSING A REVISED LE FOR THE RATE LOCK DATE. THE RATE LOCK DATE OF REDACTED WAS PROVIDED FROM THE RATE LOCK CONFIRMATION (PAGE 2). - Due Diligence Vendor-REDACTED <br>Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Hi,<br> Please see the attached locked LE<br> Thanks! - Seller-REDACTED<br>| Resolved-LE received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 11946240 D B A | Closed | FCOM4227 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Initial CD received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Hi,<br> Please see attached. <br> Thanks! - Buyer-REDACTED <br>Open-MISSING THE INITIAL CD. - Due Diligence Vendor-REDACTED |  | Resolved-Initial CD received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 11946240 D B A | Closed | FCOM1252 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-LE received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Hi,<br> Please see the attached. <br> Thanks! - Buyer-REDACTED <br>Open-MISSING A REVISED LE FOR THE RATE LOCK DATE OF REDACTED. - Due Diligence Vendor-REDACTED |  | Resolved-LE received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 11946240 D B A | Closed | FCOM4001 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Proof of Appraisal Delivery or Signed Appraisal Delivery Waiver | Resolved-Disclosure received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Hi,<br> Please See attached.<br> Thanks! - Buyer-REDACTED <br>Open- - Due Diligence Vendor-REDACTED |  | Resolved-Disclosure received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 11946240 D B A | Closed | FCOM9963 | REDACTED | REDACTED | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Right to Receive Appraisal | Resolved-Disclosure Received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Hi,<br> Please see attached. <br> Thanks! - Buyer-REDACTED <br>Open- - Due Diligence Vendor-REDACTED |  | Resolved-Disclosure Received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 11946240 D B A | Closed | FCOM1266 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Disclosure received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Hi,<br> Please see the attached. <br> Thanks! - Buyer-REDACTED <br>Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-REDACTED |  | Resolved-Disclosure received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 19637789 C A | Closed | FCRE1148 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Final Title Policy verifying lender coverage received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Please see attached Final Title Policy - Seller-REDACTED <br> Open-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) Title policy is missing lender as a named insured and lender's coverage amount. REDACTED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Please see attached Final Title Policy - Seller-REDACTED<br>| Resolved-Final Title Policy verifying lender coverage received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 19637789 C A | Closed | FCRE7009 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Insurance | Hazard insurance dwelling coverage is not sufficient | Resolved-Updated EOI with sufficient coverage received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Please see updated EOI - Seller-REDACTED <br> Open-Hazard insurance coverage A is not sufficient. RCE is REDACTED. Coverage is REDACTED. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Please see updated EOI - Seller-REDACTED<br>| Resolved-Updated EOI with sufficient coverage received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 17779833 D A | Closed | FCRE1146 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Partially Present | Resolved-Title supplement received with lenders coverage - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. title supplement - Seller-REDACTED <br>Open-Title Document is incomplete or only partially present Lender as named insurance and Lender's coverage is missing from preliminary title - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. title supplement - Seller-REDACTED<br>| Resolved-Title supplement received with lenders coverage - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 17779833 D A | Closed | FCRE1334 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Executed 4506-T Missing | Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-REDACTED <br>Open- - Due Diligence Vendor-REDACTED <br>Ready for Review-please waive this condition we have WVOE - Seller-REDACTED <br>Open-Borrower 1 Executed 4506-T Missing 4506T is missing - Due Diligence Vendor-REDACTED | Ready for Review-please waive this condition we have WVOE - Seller-REDACTED<br>| Resolved-Borrower 1 Executed 4506-T Provided - Due Diligence Vendor-REDACTED<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 17779833 D A | Closed | FCRE1330 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Paystubs Missing | Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. WVOE uploaded - Seller-REDACTED <br>Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. WVOE uploaded - Seller-REDACTED<br>| Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 17779833 D A | Closed | FCRE1335 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED <br>Ready for Review-please waive this condition we have WVOE - Seller-REDACTED <br>Open-Wage transcripts missing - Due Diligence Vendor-REDACTED | Ready for Review-please waive this condition we have WVOE - Seller-REDACTED<br>| Resolved-Borrower 1 IRS Transcripts Provided - Due Diligence Vendor-REDACTED<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 17779833 D A | Closed | FCRE1161 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. flood cert - Seller-REDACTED <br>Open-Missing Flood Certificate FLOOD CERT IS MISSING - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. flood cert - Seller-REDACTED<br>| Resolved-Flood Certificate is fully present - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 17779833 D A | Closed | FCRE5116 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-First mortgage statement received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. most recent statement - Seller-REDACTED <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. CURRENT FIRST MORTGAGE STATEMENT FROM REDACTED IS MISSING - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. most recent statement - Seller-REDACTED<br>| Resolved-First mortgage statement received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 17779833 D A | Closed | FCRE5782 | REDACTED | REDACTED | 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-REDACTED <br> Ready for Review-Document Uploaded. refresh report uploaded - Seller-REDACTED <br> Open-Borrower 1 Gap Credit Report is Missing GAP REPORT WITHIN REDACTED DAYS OF NOTE DATE OF REDACTED IS MISSING - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. refresh report uploaded - Seller-REDACTED<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 1864REDACTED22 B | Closed | FCRE1167 | REDACTED | REDACTED | Waived | 2 - Non-Material C B | Credit | Insurance | Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s)and Replacement Cost Estimator by Insurer was not Provided | Waived-Increased coverage A for sufficient dwelling coverage received - dated after note/disbursement date. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Corrected HOI policy with Dwelling amount updated to REDACTED - Seller-REDACTED <br> Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage of REDACTED is less than all Subject Lien(s), and Guaranteed Replacement Coverage is provided but Replacement Cost Estimator by Insurer was not Provided FIRST MORTGAGE AND 2ND MORTGAGE=REDACTED DWELLING COVERAGE IS REDACTED. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Corrected HOI policy with Dwelling amount updated to REDACTED - Seller-REDACTED | Waived-Increased coverage A for sufficient dwelling coverage received - dated after note/disbursement date. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | Originator Post-Close | No |
| REDACTED |  | 1864REDACTED22 B | Closed | FCOM1233 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Incomplete | Resolved-The Final 1003 is Present - Due Diligence Vendor-REDACTED <br>Resolved-Final 1003 received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Final Signed Application - Seller-REDACTED <br>Open-The Final 1003 is Incomplete MISSING FINAL SIGNED APPLICATION FOR BORROWER #1 - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Final Signed Application - Seller-REDACTED<br>| Resolved-The Final 1003 is Present - Due Diligence Vendor-REDACTED <br>Resolved-Final 1003 received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 16898388 D A C | Closed | FCRE1146 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Partially Present | Resolved-Final title with lien removed received. Resolved. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Final TP - Seller-REDACTED <br> Counter-Same title document received. Title supplement indicating the removal of REDACTED will not appear on final title or final title with REDACTED removed is needed to guarantee proper lien position. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Title Document is incomplete or only partially present PRELIM TITLE REDACTED REVISED TITLE/FINAL TITLE OPINION REMOVING THIS LIEN IS REQUIRED. REDACTED . - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Final TP - Seller-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Final title with lien removed received. Resolved. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 16898388 D A C | Closed | FCRE3978 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-Use of funds stated on business purpose disclosure - resolved - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. It is in the signed doc package. I've re-attached here - Seller-REDACTED <br>Counter-This is a second lien underwritten to investor guidelines. Investor guidelines require a cash out explanation letter. - Due Diligence Vendor-REDACTED <br>Ready for Review-our guide does not require a cash out letter - Seller-REDACTED <br>Open-cash out letter is missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. It is in the signed doc package. I've re-attached here - Seller-REDACTED <br>Ready for Review-our guide does not require a cash out letter - Seller-REDACTED<br>| Resolved-Use of funds stated on business purpose disclosure - resolved - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 16898388 D A C | Closed | FVAL2477 | REDACTED | REDACTED | Resolved | 1 - Information C A | Property | Appraisal | Appraisal incomplete (missing map, layout, pages, etc.) | Resolved-Document Uploaded. Per lender, the 1007 was ordered separately, you can see by the dates. We don't have any overlay of being the same appraiser or AMC. Both are licensed and qualified to do the job. The appraiser on 1007 attached an addendum for STR. Resolved - STR addendum now submitted. - Due Diligence Vendor-REDACTED <br> Open-1. 1007 does not reflect REDACTED . REDACTED used as REDACTED . 1007 is to be completed as REDACTED <br> 2. Appraisal completed by REDACTED with REDACTED with no required Supervisory Appraiser. Explanation of why 1007 on REDACTED was completed by another appraiser, REDACTED is required. Also need verification that REDACTED works for REDACTED - REDACTED . - Due Diligence Vendor-REDACTED |  | Resolved-Document Uploaded. Per lender, the 1007 was ordered separately, you can see by the dates. We don't have any overlay of being the same appraiser or AMC. Both are licensed and qualified to do the job. The appraiser on 1007 attached an addendum for REDACTED . Resolved - REDACTED addendum now submitted. - Due Diligence Vendor-REDACTED |  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 16898388 D A C | Closed | FCRE5774 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Borrower | Borrower 1 Credit Report is Incomplete | Resolved-Borrower meets definition for Professional Investor. Resolved. - Due Diligence Vendor-REDACTED <br> Ready for Review-This should not be required for REDACTED loans - Seller-REDACTED <br> Open-Credit supplement for mortgages is needed. Credit report is dated REDACTED , however, mortgages with balances are only reported through JREDACTED . Missing mortgage payment history on properties. - Due Diligence Vendor-REDACTED | Ready for Review-This should not be required for DSCR loans - Seller-REDACTED<br>| Resolved-Borrower meets definition for Professional Investor. Resolved. - Due Diligence Vendor-REDACTED<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 17763194 C B A | Closed | FCRE1167 | REDACTED | REDACTED | Waived | 2 - Non-Material C B | Credit | Insurance | Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s)and Replacement Cost Estimator by Insurer was not Provided | Waived-Policy coverage adequate to cover liens received. Policy is dated after note/disbursement date. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Policy with coverage of REDACTED - Seller-REDACTED <br> Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage of REDACTED is less than all Subject Lien(s), and Guaranteed Replacement Coverage is provided but Replacement Cost Estimator by Insurer was not Provided REDACTED AND DWELLING COVERAGE IS REDACTED , NO RCE IN FILE - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Policy with coverage of REDACTED - Seller-REDACTED | Waived-Policy coverage adequate to cover liens received. Policy is dated after note/disbursement date. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | Originator Post-Close | No |
| REDACTED |  | 12066646 D A C | Closed | FCOM4001 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Proof of Appraisal Delivery or Signed Appraisal Delivery Waiver | Resolved-Borrower received copy of the appraisal or signed the delivery waiver disclosure. - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-HPML Loan - Missing Proof of delivery of appraisal - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Borrower received copy of the appraisal or signed the delivery waiver disclosure. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 12066646 D A C | Closed | FPRO1242 | REDACTED | REDACTED | Resolved | 1 - Information D A | Property | Missing Doc | Appraisal is Missing | Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Appraisal is Present or is Waived - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 12066646 D A C | Closed | FCRE1342 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Business Bank Statements Missing | Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-REDACTED <br> Resolved-Statement received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Borrower 1 Business Bank Statements Missing Income worksheet provided reflects bank statement income was calculated from REDACTED months Business bank statements - REDACTED , however, the loan file is missing bank statement for REDACTED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Borrower 1 Business Bank Statements Provided - Due Diligence Vendor-REDACTED <br>Resolved-Statement received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 12066646 D A C | Closed | FCRE1148 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) - Due Diligence Vendor-REDACTED <br> Resolved-Lenders title coverage received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) Title policy is missing Lender as named insured and lender coverage amount .REDACTED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) - Due Diligence Vendor-REDACTED <br> Resolved-Lenders title coverage received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 10264232 D A | Closed | FCRE2109 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Lender income worksheet received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. when you see our Closing package, please see REDACTED income calculation, I just re-attached - Seller-REDACTED <br> Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. when you see our Closing package, please see page REDACTED income calculation, I just re-attached - Seller-REDACTED | Resolved-Lender income worksheet received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 10264232 D A | Closed | FCRE1146 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Partially Present | Resolved-Title Document is fully Present - Due Diligence Vendor-REDACTED <br> Resolved-Supplement with Lender Coverage received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Title Document is incomplete or only partially present PRELIMINARY TITLE IS MISSING LENDER'S COVERAGE OF REDACTED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Title Document is fully Present - Due Diligence Vendor-REDACTED <br>Resolved-Supplement with Lender Coverage received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 10264232 D A | Closed | FCRE3978 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-Final CD and Note received to verify new PITIA on primary. Resolved. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. uploaded final CD with Note, we don't have mortgage statement yet. - Seller-REDACTED <br> Open-MISSING FINAL CD AND MORTGAGE STATEMENT FOR PRIMARY RESIDENCE BEING PURCHASED CONCURRENTLY LOCATED AT REDACTED TO VERIFY NEW PITIA. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. uploaded final CD with Note, we don't have mortgage statement yet. - Seller-REDACTED<br>| Resolved-Final CD and Note received to verify new PITIA on primary. Resolved. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 13952049 D A | Closed | FCRE1146 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Partially Present | Resolved-Final Policy with lender coverage received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Please see final title policy to clear condition - Seller-REDACTED <br> Open-Title Document is incomplete or only partially present PRELIMINARY TITLE IS MISSING LENDER AS NAMED INSURED AND LENDER COVERAGE OF REDACTED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Please see final title policy to clear condition - Seller-REDACTED<br>| Resolved-Final Policy with lender coverage received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 13952049 D A | Closed | FCRE03REDACTED | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Updated mortgage statement received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Please see REDACTED and REDACTED mortgage statements to clear condition. - Seller-REDACTED <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. MORTGAGE STATEMENT FOR SUBJECT PROEPRTY IS DATED REDACTED AND NOTE DATE IS REDACTED MORE THAN REDACTED DAYS OLD. UPDATED STATEMENT IS REQUIRED. <br> - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Please see REDACTED and REDACTED mortgage statements to clear condition. - Seller-REDACTED | Resolved-Updated mortgage statement received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 13952049 D A | Closed | FCRE8611 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Signed loan guaranty and business purpose form received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Loan guaranty on REDACTED is not signed<br> Business purpose affidavit on REDACTED is not signed - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Signed loan guaranty and business purpose form received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 11441879 D A C | Closed | FCRE1146 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Partially Present | Resolved-Title Supplement received verifying lender as insured and lender coverage - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. please see title report - Seller-REDACTED <br> Open-Title Document is incomplete or only partially present PRELIMINARY TITLE IS MISSING LENDER AS NAMED INSURED AND LENDER'S COVERAGE OF REDACTED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. please see title report - Seller-REDACTED<br>| Resolved-Title Supplement received verifying lender as insured and lender coverage - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 11441879 D A C | Closed | FPRO1245 | REDACTED | REDACTED | Resolved | 1 - Information C A | Property | Appraisal | Appraisal is Expired | Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence Vendor-REDACTED <br> Resolved-Appraisal recert of value received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. REDACTED uploaded - Seller-REDACTED <br> Open-Recert of value for the full appraisal is not in file. Appraisal is older than REDACTED days per guideline requirements based on application date. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. 442 uploaded - Seller-REDACTED<br>| Resolved-Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist - Due Diligence Vendor-REDACTED <br>Resolved-Appraisal recert of value received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 15573051 D B A | Closed | FCRE5782 | REDACTED | REDACTED | 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-REDACTED<br> Resolved-UDM recieved - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Borrower 1 Gap Credit Report is Missing GAP report within REDACTED days of closing/Note date of REDACTED is missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED<br>Resolved-UDM recieved - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 15573051 D B A | Closed | FCRE1146 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Partially Present | Resolved-Title Document is fully Present - Due Diligence Vendor-REDACTED<br> Resolved-Updated title coverage received for lender title coverage sufficient for loan amount - Due Diligence Vendor-REDACTED<br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Title Document is incomplete or only partially present Preliminary title shows lender's coverage of REDACTED and will need to be increased to REDACTED to cover the loan amount - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Title Document is fully Present - Due Diligence Vendor-REDACTED<br> Resolved-Updated title coverage received for lender title coverage sufficient for loan amount - Due Diligence Vendor-REDACTED |  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 15573051 D B A | Closed | FCRE1195 | REDACTED | REDACTED | Waived | 2 - Non-Material B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Exception to allow REDACTED CLTV for cash out on investment property vs. matrix max of REDACTED . - Due Diligence Vendor-REDACTED |  | Waived-Exception to allow REDACTED CLTV for cash out on investment property vs. matrix max of REDACTED . - Due Diligence Vendor-REDACTED |  | REDACTED FICO, REDACTED mtg history, job stability, using all loan proceeds to payoff debt |  | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Debt Consolidation | Originator Pre-Close | Yes |
| REDACTED |  | 19440774 D A | Closed | FCRE1316 | REDACTED | REDACTED | 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-REDACTED <br> Resolved-VVOE received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. REDACTED VVOE - Buyer-REDACTED <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Missing verbal VOE from each employer REDACTED days of the note date for wage and salaried employees - Due Diligence Vendor-REDACTED |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-REDACTED <br>Resolved-VVOE received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 19440774 D A | Closed | FCRE1347 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | 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-REDACTED <br> Resolved-VVOE received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. REDACTED VVOE - Buyer-REDACTED <br> Open-Borrower 2 3rd Party VOE Prior to Close Missing Missing verbal VOE from each employer REDACTED days of the note date for wage and salaried employees - Due Diligence Vendor-REDACTED |  | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-REDACTED <br>Resolved-VVOE received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 15336942 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |
| REDACTED |  | 16966195 D B C A | Closed | FCOM1232 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-REDACTED <br>Resolved-Final 1003 received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Final signed 1003 - Seller-REDACTED <br>Open-The Final 1003 is Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Final signed 1003 - Seller-REDACTED<br>| Resolved-The Final 1003 is Present - Due Diligence Vendor-REDACTED <br>Resolved-Final 1003 received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 16966195 D B C A | Closed | FCOM2444 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Required rider to note | Resolved-Personal guaranty received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Personal Guaranty - Seller-REDACTED <br>Open-Missing personal guaranty - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Personal Guaranty - Seller-REDACTED<br>| Resolved-Personal guaranty received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 16966195 D B C A | Closed | FCRE1167 | REDACTED | REDACTED | Waived | 2 - Non-Material C B | Credit | Insurance | Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s)and Replacement Cost Estimator by Insurer was not Provided | Waived-Sufficient hazard insurance to cover total of both loans on property received, but was put in place after closing/funding date. Property has sufficient insurance now of REDACTED. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage of REDACTED is less than all Subject Lien(s), and Guaranteed Replacement Coverage is provided but Replacement Cost Estimator by Insurer was not Provided REDACTED COVERAGE IS REDACTED NO RCE PROVIDED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Waived-Sufficient hazard insurance to cover total of both loans on property received, but was put in place after closing/funding date. Property has sufficient insurance now of REDACTED. - Due Diligence Vendor-REDACTED |  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | Originator Post-Close | No |
| REDACTED |  | 14252905 D A | Closed | FCRE4001 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing 1008/UW Approval Document | Resolved-1008 received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Missing 1008/UW Approval Document MISSING THE 1008 - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-1008 received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 14252905 D A | Closed | FCRE9814 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Trust Agreement | Resolved-Trust Cert received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Completed Trust Cert not located in file - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Trust Cert received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 16199191 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |
| REDACTED |  | 10932296 D B C A | Closed | FCRE1146 | REDACTED | REDACTED | Waived | 2 - Non-Material D B | Credit | Missing Doc | Title Document is Partially Present | Waived-TItle Policy effective as of closing date received. B/2 - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Title Document is incomplete or only partially present PRELIMINARY TITLE COMMITMENT - ALTA POLICY WITH LENDER INSURANCE EQUAL TO LOAN AMOUNT - IS REQUIRED. FILE CONTAINS PROPERTY SEARCH ONLY. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Waived-TItle Policy effective as of closing date received. B/2 - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No |
| REDACTED |  | 10932296 D B C A | Closed | FCRE1335 | REDACTED | REDACTED | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Waived-Transcripts dated after close date received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Borrower 1 IRS Transcripts Missing MISSING 2 YRS WAGE/W2 TRANSCRIPTS - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Waived-Transcripts dated after close date received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No |
| REDACTED |  | 10932296 D B C A | Closed | FCRE3978 | REDACTED | REDACTED | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Waived-Cash Out LOE from underwriter post closing received - B/2 - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-USE FOR CASH OUT LETTER IS MISSING - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Waived-Cash Out LOE from underwriter post closing received - B/2 - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No |
| REDACTED |  | 10932296 D B C A | Closed | finding-3939 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-LE within 3 days of lock date received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <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 REDACTED and REDACTED. THE RATE LOCK DATE WAS REDACTED. THERE WS NO LE LOCATED IN THE FILE WITHIN REDACTED BUSINESS DAYS OF THE RATE LOCK. - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-LE within REDACTED days of lock date received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 18266375 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other |  |  |
| REDACTED |  | 14058518 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |
| REDACTED |  | 14339146 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | QM: Rebuttable Presumption DTI (DTI RP) | QM: Rebuttable Presumption DTI (DTI RP) | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |
| REDACTED |  | 18195958 D B C A | Closed | FCRE03REDACTED | REDACTED | REDACTED | Waived | 2 - Non-Material C B | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Waived-Exception received to proceed without a first mortgage statement within REDACTED days of closing. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Counter-Credit supplement received. A credit supplement can't be accepted in place of the actual first mortgage statement per guidelines. Lender to advise. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. REDACTED STATEMENT IS DATED REDACTED AND NOTE DATE IS REDACTED STATEMENT IS MORE THAN REDACTED DAYS FROM NOTE DATE. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Waived-Exception received to proceed without a first mortgage statement within REDACTED days of closing. - Due Diligence Vendor-REDACTED |  | LTV REDACTED under max, REDACTED/month in residual income, Paying off over REDACTED in consumer debt saving borrower over REDACTED/month, mortgage paid as agreed with mortgage history dating back to REDACTED | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Post-Close | Yes |
| REDACTED |  | 18195958 D B C A | Closed | FCRE4001 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing 1008/UW Approval Document | Resolved-1008 received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Missing 1008/UW Approval Document Missing 1008 - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-1008 received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 18195958 D B C A | Closed | FVAL1628 | REDACTED | REDACTED | Resolved | 1 - Information C A | Property | Property | No HOA fees on appraisal and property identified as a PUD | Resolved-HOA fees received & added to DTI - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-AVM USED FOR VALUATION, NO DOCUMENTATION FOR HOA DUES IN FILE - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-HOA fees received & added to DTI - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 18195958 D B C A | Closed | finding-3631 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-COC received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <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. THERE WAS NO CLOSING PROTECTION LETTER FEE DISCLOSED ON THE INITIAL LE. A CLOSING PROTECTION FEE WAS DISCLOSED IN THE AMOUNT OF REDACTED ON THE FINAL CD. POINTS WERE DISCLOSED AS REDACTED ON THE INITIAL LE. POINTS INCREASED TO THE AMOUNT OF REDACTED ON THE FINAL CD. NO COC OR REIMBURSEMENT WERE LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-COC received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 18195958 D B C A | Closed | finding-3634 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-COC received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <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 REDACTED.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). THERE WAS NO CLOSING PROTECTION LETTER FEE DISCLOSED ON THE INITIAL LE. A CLOSING PROTECTION FEE WAS DISCLOSED IN THE AMOUNT OF REDACTED ON THE FINAL CD. POINTS WERE DISCLOSED AS REDACTED ON THE INITIAL LE. POINTS INCREASED TO THE AMOUNT OF REDACTED ON THE FINAL CD. NO COC OR REIMBURSEMENT WERE LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-COC received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 18195958 D B C A | Closed | FCRE1166 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage is less than all Subject Lien(s) | Resolved-RCE received. Coverage is sufficient. - Due Diligence Vendor-REDACTED <br> Ready for Review-Hazard Insurance Coverage Amount of REDACTED is less than Total Amount of Subject Lien(s) of REDACTED - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Hazard Insurance Coverage Amount of REDACTED is less than Total Amount of Subject Lien(s) of REDACTED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-RCE received. Coverage is sufficient. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 18195958 D B C A | Closed | FCRE3978 | REDACTED | REDACTED | Waived | 2 - Non-Material D B | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Waived-LOE from Underwriter (not borrower) dated after closing received - B/2 - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-USE FOR CASH OUT LETTER IS MISSING - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Waived-LOE from Underwriter (not borrower) dated after closing received - B/2 - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Post-Close | No |
| REDACTED |  | 12282255 D A | Closed | FCRE1146 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Partially Present | Resolved-Final title with sufficient coverage received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Counter-Marked up title cannot be accepted. Updated title supplement from title company is required. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Title Document is incomplete or only partially present Lender's coverage on preliminary title is not sufficient to cover lien amount. Lender's title coverage is required to be increased. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Final title with sufficient coverage received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 12282255 D A | Closed | FCRE03REDACTED | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-REDACTED <br> Resolved-First mtg statement received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Counter-First mortgage credit report supplement cannot be accepted in place of the first mortgage statement within REDACTED days of note date as required by guidelines. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Attached mortgage supplement - Seller-REDACTED <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. REDACTED FROM REDACTED ON REDACTED IS DATED REDACTED AND IS MORE THAN REDACTED DAYS FROM NOTE DATE OF REDACTED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED <br>Ready for Review-Document Uploaded. Attached mortgage supplement - Seller-REDACTED<br>| Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. - Due Diligence Vendor-REDACTED <br>Resolved-First mtg statement received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 12282255 D A | Closed | FCRE1193 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-Revised income updated, DTI within guidelines - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Counter-A new bank statement income calculation worksheet was submitted which shows total monthly income is now verified as REDACTED . Lender to provide explanation & documentation of why/how deposits that were initially excluded are now included in income and no longer excluded. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. please see corrected income calculator - Seller-REDACTED <br> Open-Lender bank statement income worksheet reflects total usable income REDACTED . At this total amount, the DTI is REDACTED . Lender to advise on income calculation. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED <br>Ready for Review-Document Uploaded. please see corrected income calculator - Seller-REDACTED<br>| Resolved-Revised income updated, DTI within guidelines - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 13969390 D A C | Closed | FCRE4001 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing 1008/UW Approval Document | Resolved-1008 received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Missing 1008/UW Approval Document Updated 1008 needed - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-1008 received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 13969390 D A C | Closed | FVAL9739 | REDACTED | REDACTED | Resolved | 1 - Information C A | Property | Appraisal | Property/Appraisal General | Resolved-Document Uploaded. Correct AVM received - resolved - Due Diligence Vendor-REDACTED <br> Open-AVM confidence score is REDACTED and cannot be used as the valuation. - Due Diligence Vendor-REDACTED |  | Resolved-Document Uploaded. Correct AVM received - resolved - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 13969390 D A C | Closed | FCRE1157 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Missing Hazard Insurance Policy - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 1712REDACTED27 | Closed | FCRE3978 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-LOE received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-USE FOR CASH OUT LETTER IS MISSING FROM FILE. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-LOE received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 15311614 C B A | Closed | finding-3638 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Reimbursement Amount Test | Resolved-COC & LE received - resolved - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see attached. <br> Thanks! - Buyer-REDACTED <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 REDACTED , is not sufficient to reimburse the consumer the amount by which the tolerances were exceeded, REDACTED. 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 REDACTED 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 REDACTED days after consummation. THERE WAS NO APPRAISAL REVIEW FEE DISCLOSED ONTHE INITIAL LE. AN APPRAISAL REVIW FEE WAS DISCLOSED ON THE FINAL CD IN THE AMOUNT OF REDACTED . THIS FEE WAS PRESENTED ON THE REVISED LE DATE REDACTED. NO COC OR REIMBURSEMENT FOR THIS CHANGE WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED |  | Resolved-COC & LE received - resolved - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 15311614 C B A | Closed | finding-3634 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-COC & LE received - resolved - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see attached. <br> Thanks! - Buyer-REDACTED <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 REDACTED .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). THERE WAS NO APPRAISAL REVIEW FEE DISCLOSED ONTHE INITIAL LE. AN APPRAISAL REVIW FEE WAS DISCLOSED ON THE FINAL CD IN THE AMOUNT OF REDACTED . THIS FEE WAS PRESENTED ON THE REVISED LE DATE REDACTED. NO COC OR REIMBURSEMENT FOR THIS CHANGE WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED |  | Resolved-COC & LE received - resolved - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 15311614 C B A | Closed | FCRE6763 | REDACTED | REDACTED | Waived | 2 - Non-Material B | Credit | Income/Employment | Income documentation does not meet guidelines | Waived-Exception in file to allow use of REDACTED with recently cancelled REDACTED (and documentation of REDACTED) for asset depletion income. - Due Diligence Vendor-REDACTED |  | Waived-Exception in file to allow use of REDACTED with recently cancelled REDACTED (and documentation of REDACTED) for asset depletion income. - Due Diligence Vendor-REDACTED |  | REDACTED vs. REDACTED matrix max, REDACTED mortgage history REDACTED and REDACTED |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Pre-Close | Yes |
| REDACTED |  | 13103459 D A | Closed | FCRE1146 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Partially Present | Resolved-Lender coverage received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. received title supplement - Seller-REDACTED <br>Open-Title Document is incomplete or only partially present PRELIMINARY TITLE IS MISSING LENDER AS NAMED INSURED AND LENDER'S COVERAGE AMOUNT - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. received title supplement - Seller-REDACTED<br>| Resolved-Lender coverage received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 11355738 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other |  |  |
| REDACTED |  | 11427001 D B C A | Closed | FCOM5454 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing Note | Resolved-Updated note received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Hi,<br> Please see the corrected attached note. <br> Thanks! - Buyer-REDACTED <br>Open-Updated note without non-borrowing spouse signature needed - Due Diligence Vendor-REDACTED |  | Resolved-Updated note received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 11427001 D B C A | Closed | FCRE03REDACTED | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Borrower | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Resolved-Resolved per REDACTED. - Due Diligence Vendor-REDACTED <br> Ready for Review-REDACTED guidelines show REDACTED days (not REDACTED). The app date is in REDACTED. Thanks.<br>- Buyer-REDACTED <br> Open-First mortgage statement is greater than REDACTED days old from note date - REDACTED. A first mortgage statement within REDACTED days of note date is required. - Due Diligence Vendor-REDACTED |  | Resolved-Resolved per REDACTED. - Due Diligence Vendor-REDACTED |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 11427001 D B C A | Closed | FCRE8201 | REDACTED | REDACTED | Waived | 2 - Non-Material C B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Exception received to allow senior first lien with deferred principal balance REDACTED as a balloon<br> maturing on REDACTED before this lien (REDACTED) matures in REDACTED. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> We granted an exception for this. Please see attached. <br> Thanks! - Buyer-REDACTED <br> Open-The first mortgage was modified and contains a balloon payoff of the deferred principal balance (REDACTED) upon the maturity date of REDACTED, which is during the amortization period of this loan, which REDACTED. - Due Diligence Vendor-REDACTED |  | Waived-Exception received to allow senior first lien with deferred principal balance REDACTED as a balloon maturing on REDACTED before this lien (REDACTED) matures in REDACTED. - Due Diligence Vendor-REDACTED |  | Credit score is REDACTED and no late payments on entire credit report going back to earliest overall inception on REDACTED, REDACTED mtg history is REDACTED and current REDACTED mtg history is REDACTED, Borrower has been owner of REDACTED for over REDACTED and DTI is REDACTED (more than REDACTED lower than max) | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes |
| REDACTED |  | 11427001 D B C A | Closed | FCOM1266 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Disclosure received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi, Please see the attached. <br> Thanks! - Buyer-REDACTED <br> Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-REDACTED |  | Resolved-Disclosure received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 19351859 D B A | Closed | FCOM1266 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Disclosure uploaded - Buyer-REDACTED <br> Open-Homeownership Counseling Disclosure Is Missing - Due Diligence Vendor-REDACTED |  | Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 19351859 D B A | Closed | FCRE8201 | REDACTED | REDACTED | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-EXCEPTION ON PG 1 TO ALLOW DELINQUENT ACCOUNT WITH REDACTED AS THIS WAS DECLARED TO BE A FRAUDLENT ACCOUNT. SEE LETTER FROM REDACTED ON REDACTED - Due Diligence Vendor-REDACTED |  | Waived-EXCEPTION ON PG 1 TO ALLOW DELINQUENT ACCOUNT WITH REDACTED AS THIS WAS DECLARED TO BE A FRAUDLENT ACCOUNT. SEE LETTER FROM CREDIT UNION ON REDACTED - Due Diligence Vendor-REDACTED |  | CLTV is REDACTED vs max of REDACTED, Borrower has REDACTED mortgage lates on current first mortgage since<br> inception in REDACTED, Borrower has been REDACTED as REDACTED of REDACTED for the past REDACTED years<br>|  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes |
| REDACTED |  | 14195378 D B A | Closed | FCRE1335 | REDACTED | REDACTED | Waived | 2 - Non-Material D B | Credit | Missing Doc | Borrower 1 IRS Transcripts Missing | Waived-REDACTED transcript dated post closing received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Good morning-at the time of closing, we did not have the REDACTED transcripts as they had not yet been processed. We provided the REDACTED and the REDACTED wage transcript which is the latest year we had on our 4506 per guidelines at the time of closing. Please reconsider. (I uploaded this last night-not sure where it went?) Here it is again. :) - Seller-REDACTED <br> Counter-No documents uploaded. REDACTED transcripts not located in the file. REDACTED are now available. Lender to advise. - Due Diligence Vendor-REDACTED <br> Ready for Review-you are asking for the REDACTED tax transcripts which are not available. You have the REDACTED transcripts already in the file. I will provide again now-but that is not what you asked for- - Seller-REDACTED <br> Counter-The most recent year of W2/wage transcripts available is required. W2 transcripts should be available as W2s must be prepared and sent to workers by REDACTED. REDACTED W2 transcripts nor REDACTED W2 transcripts are present in the file. - Due Diligence Vendor-REDACTED <br> Ready for Review-Taxes are not required to be filed yet. The REDACTED W2 should be all you need to clear - Seller-REDACTED <br> Counter-The REDACTED W2 was submitted. Full doc income requires wage transcripts. Missing REDACTED wage/W2 transcripts. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Borrower 1 IRS Transcripts Missing W2 transcript missing - W2s issued - should be REDACTED . - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Good morning-at the time of closing, we did not have the REDACTED W2 transcripts as they had not yet been processed. We provided the w2 from REDACTED and the REDACTED W2 wage transcript which is the latest year we had on our REDACTED per guidelines at the time of closing. Please reconsider. (I uploaded this last night-not sure where it went?) Here it is again. :) - Seller-REDACTED <br> Ready for Review-you are asking for the REDACTED tax transcripts which are not available. You have the REDACTED transcripts already in the file. I will provide again now-but that is not what you asked for- - Seller-REDACTED <br> Ready for Review-Taxes are not required to be filed yet. The REDACTED W2 should be all you need to clear - Seller-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED | Waived-REDACTED W2 transcript dated post closing received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | Originator Post-Close | No |
| REDACTED |  | 14195378 D B A | Closed | FCRE1330 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Paystubs Missing | Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-REDACTED <br> Ready for Review-The paystub condition-please source this need? Our REDACTED has scoured your seller guide and there is nothing in there that says the paystubs must be within REDACTED days. We provided a YTD stub as well as a stub from REDACTED. - Seller-REDACTED <br> Open-Borrower 1 Paystubs Missing Paystub in file is from REDACTED - Due Diligence Vendor-REDACTED | Ready for Review-The paystub condition-please source this need? Our REDACTED has scoured your seller guide and there is nothing in there that says the paystubs must be within REDACTED days. We provided a YTD stub as well as a stub from REDACTED. - Seller-REDACTED | Resolved-Borrower 1 Paystubs Provided - Due Diligence Vendor-REDACTED<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 14195378 D B A | Closed | FCRE1328 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 W2/1099 Missing | Resolved-Borrower 1 W2/1099 Provided - Due Diligence Vendor-REDACTED <br> Open-Borrower 1 W2/1099 Missing W2 in file is from REDACTED. - Due Diligence Vendor-REDACTED |  | Resolved-Borrower 1 W2/1099 Provided - Due Diligence Vendor-REDACTED<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 14195378 D B A | Closed | FCRE1167 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s)and Replacement Cost Estimator by Insurer was not Provided | Resolved-RCE received, policy with policy number received. Adequate coverage verified. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage of REDACTED is less than all Subject Lien(s), and Guaranteed Replacement Coverage is provided but Replacement Cost Estimator by Insurer was not Provided - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-RCE received, policy with policy number received. Adequate coverage verified. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 14195378 D B A | Closed | FCRE1157 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-RCE received, policy with policy number received. Adequate coverage verified. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Counter-Hazard binder received. <br> 1. Hazard binder states that the temporary binder is replacing the prior policy number. The new policy number is not located on the hazard binder. <br> 2. Total of liens is REDACTED. Coverage is REDACTED. There is no RCE in file verifying the replacement cost. Either increased Coverage A or the Replacement Cost Estimate from the insurance company is required. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. hazard binder used for closing - Seller-REDACTED <br> Open-Missing Hazard Insurance Policy - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED <br>Ready for Review-Document Uploaded. hazard binder used for closing - Seller-REDACTED<br>| Resolved-RCE received, policy with policy number received. Adequate coverage verified. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 14195378 D B A | Closed | FCRE3978 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-COE received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-use for cash out letter is missing from file. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-COE received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 15953419 D A | Closed | FCRE1146 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Partially Present | Resolved-Title Document is fully Present - Due Diligence Vendor-REDACTED <br>Resolved-Verification of lender title coverage received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. title supplement - Seller-REDACTED <br>Open-Title Document is incomplete or only partially present Lender as named insured and lender title coverage is missing from preliminary title. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. title supplement - Seller-REDACTED<br>| Resolved-Title Document is fully Present - Due Diligence Vendor-REDACTED <br>Resolved-Verification of lender title coverage received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 11364264 D A | Closed | FCRE1146 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Title Document is Partially Present | Resolved-Title policy received - Due Diligence Vendor-REDACTED <br> Resolved-Title Insurance Policy received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Title Document is incomplete or only partially present Property report (REDACTED) provided by lender is not allowed as Title document per guidelines. ALTA title insurance with lender coverage is required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Title policy received - Due Diligence Vendor-REDACTED <br>Resolved-Title Insurance Policy received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 11364264 D A | Closed | FCRE8611 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Resolved - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Loan locked as REDACTED doc income. REDACTED of income verification is in file. Lender to advise. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Resolved - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 1096REDACTED72 | Closed | FCOM5929 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Points & Fees | Loan exceeds State High Cost thresholds | Resolved-REDACTED high cost passed - resolved - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> I think the final REDACTED was missed. It's in the upload, REDACTED. I also attached it for reference. Thanks! - Buyer-REDACTED <br> Open-The loan fees REDACTED exceed the REDACTED High Cost fee limit, which is (REDACTED), the difference is (REDACTED). - Due Diligence Vendor-REDACTED |  | Resolved-REDACTED high cost passed - resolved - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 1096REDACTED72 | Closed | finding-3922 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | ComplianceEase | Lender Fees Test | Resolved-Lender fees resolved - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> I think the final REDACTED was missed. It's in the upload, REDACTED. I also attached it for reference. <br> Thanks! - Buyer-REDACTED <br> Open-This loan failed the lender fees test due to one of the following findings: (REDACTED)The loan is a first lien closed end mortgage with a principal amount that is greater than or equal to REDACTED and the sum of all lender fees exceeds the greater of REDACTED of the principal amount or REDACTED. Lender fees are all fees designated for the lender other than the origination fee, discount points, assumption fee, rate lock fee, application fee, commitment fee, lender inspection fee (post-close) and interest; orThe loan is a first lien closed end mortgage made by a HUD approved lender and the sum of all lender fees exceeds the greater of REDACTED of the principal amount or REDACTED. Lender fees are all fees designated for the lender other than the origination fee, discount points, assumption fee, rate lock fee, application fee, commitment fee, lender inspection fee (post-close) and interest; orThe loan is a first lien closed end mortgage with a principal amount that is less than REDACTED and the loan charges a lender fee. (REDACTED); orThe loan is a first lien home equity line of credit, and the sum of all lender fees exceeds REDACTED of the principal amount. (REDACTED); orThe loan is a second lien mortgage and is a "construction loan" as defined in REDACTED with more than two units, and the sum of all lender fees exceeds REDACTED of the principal amount REDACTED); orThe loan is a second lien mortgage and is a "construction loan" as defined in REDACTED with one or two units, was not made by a HUD approved lender, and the sum of all lender fees exceeds REDACTED of the principal amount (REDACTED); orThe loan is a second lien mortgage and is not a "construction loan" as defined in REDACTED, was not made by a HUD approved lender, and the sum of all lender fees exceeds REDACTED of the principal amount. (REDACTED); orThe loan is a second lien mortgage and is not a "construction loan" as defined in REDACTED, was made by a HUD approved lender, and the sum of all lender fees exceeds REDACTED of the principal amount (REDACTED). Lender REDACTED - also shows lender fees fail for REDACTED<br>The loan is a second lien mortgage and is a "construction loan" as defined in REDACTED with more than two units, and the sum of all lender fees exceeds REDACTED of the principal amount (REDACTED); or The loan is a second lien mortgage and is a "construction loan" as defined in REDACTED with one or two units, was not made by a HUD approved lender, and the sum of all lender fees exceeds REDACTED of the principal amount (REDACTED); or The loan is a second lien mortgage and is not a "construction loan" as defined in REDACTED, was not made by a HUD approved lender, and the sum of all lender fees exceeds REDACTED of the principal amount. (REDACTED); or The loan is a second lien mortgage and is not a "construction loan" as defined in REDACTED, was made by a HUD approved lender, and the sum of all lender fees exceeds REDACTED of the principal amount (REDACTED). - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED |  | Resolved-Lender fees resolved - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 17777074 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Home Improvement/Reno |  |  |
| REDACTED |  | 16668034 D A C | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Supplement verifying lender as insured and title coverage received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Lender is not a named insured and lender's title coverage is missing from title - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Supplement verifying lender as insured and title coverage received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 16668034 D A C | Closed | FCOM4001 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Proof of Appraisal Delivery or Signed Appraisal Delivery Waiver | Resolved-Proof of appraisal delivery received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Proof of appraisal delivery received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 16668034 D A C | Closed | FCOM9963 | REDACTED | REDACTED | Resolved | 1 - Information B A | Compliance | Missing Doc | Missing Right to Receive Appraisal | Resolved-Disclosure received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Disclosure received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 16668034 D A C | Closed | FCRE1201 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Fraud report received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Fraud report received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 18511953 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |
| REDACTED |  | 193REDACTED186 | Closed | FCRE8611 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Information received Resolved - Due Diligence Vendor-REDACTED <br> Ready for Review-Using SSN - REDACTED - Seller-REDACTED <br> Open-\*REDACTED. LOAN CLOSED IN NAME OF REDACTED. - Due Diligence Vendor-REDACTED | Ready for Review-Using SSN - REDACTED - Seller-REDACTED | Resolved-Information received Resolved - Due Diligence Vendor-REDACTED<br>|  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 193REDACTED186 | Closed | FCRE1166 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Coverage is less than all Subject Lien(s) | Resolved-RCE estimate per square foot received - REDACTED - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. REDACTED does not allow for agents to provide RCE - Seller-REDACTED <br> Open-Hazard Insurance Coverage Amount of REDACTED is less than Total Amount of Subject Lien(s) of REDACTED No RCE in file - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. FL does not allow for agents to provide RCE - Seller-REDACTED<br>| Resolved-RCE estimate per square foot received - REDACTED - Due Diligence Vendor-REDACTED |  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 18272113 D A | Closed | FCRE1202 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Complete fraud report received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Third Party Fraud Report Partially Provided The fraud report is missing; the loan file contains only cleared alerts. REDACTED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Complete fraud report received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 17435810 D A | Closed | FCRE5116 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-First mortgage statement received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. please see attached mortgage statement also check credit report for rating REDACTED and REDACTED. - Seller-REDACTED <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. The loan file is missing first lien mortgage statement dated within REDACTED days of note date required by Guidelines. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. please see attached mortgage statement also check credit report for rating REDACTED. - Seller-REDACTED | Resolved-First mortgage statement received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 17435810 D A | Closed | FCRE1148 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title coverage received - Due Diligence Vendor-REDACTED <br> Ready for Review-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) Title policy is missing lender as named insured and coverage amount - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Title coverage received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 17435810 D A | Closed | FCRE1202 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report Partially Provided | Resolved-Fraud report received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Third Party Fraud Report Partially Provided The fraud report is missing; the loan file contains only cleared alerts. REDACTED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Fraud report received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 12352315 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other |  |  |
| REDACTED |  | 13581137 D A | Closed | FCOM1266 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Homeownership Counseling Disclosure Is Missing | Resolved-Disclosure received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Disclosure - Buyer-REDACTED <br>Open-Homeownership Counseling Disclosure Is Missing Disclosure is missing from the file. It is noted that the disclosure was sent in the required timeframe via disclosure tracking in file. - Due Diligence Vendor-REDACTED |  | Resolved-Disclosure received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 13581137 D A | Closed | FCOM1231 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-Initial 1003 received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. initial 1003 uploaded - Buyer-REDACTED <br>Open-The Initial 1003 is Missing - Due Diligence Vendor-REDACTED |  | Resolved-Initial 1003 received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 13724874 D A C | Closed | FCRE5116 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Statement received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. No Mortgage statement provided. First mortgage statement within REDACTED days of note date required. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Statement received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 13724874 D A C | Closed | FCOM8663 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | TRID | TRID: Closing disclosure loan terms- Monthly P&I | Resolved-Corrected PCCD received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. please see Post CD to match PI with note - Seller-REDACTED <br> Counter-PCCD issued REDACTED with disbursement date of REDACTED, still indicated that the P&I payment is REDACTED vs. note P&I of REDACTED. (TILA right to cancel violation cleared on other finding.) - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Final CD that is signed on REDACTED on page 7 of the file is dated as closing on REDACTED and shows the projected principal & interest payment as REDACTED vs. the loan terms P&I payment of REDACTED which matches the note. Corrected PCCD required to correct the projected P&I payment. Note - also subject to TILA right to cancel violation. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. please see Post CD to match PI with note - Seller-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Corrected PCCD received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 13724874 D A C | Closed | finding-47 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-PCCD with updated disbursement date of REDACTED received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <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 CLOSING DATE IS REDACTED. THE FINAL CD DISBURSEMENT DATE IS REDACTED. THIS WS A REFINANCE OF A PRIMARY RESIDENCE. THE BORROWER CHANGED AND INITIALIZED THE DATES OF THE NOTICE OF THE RIGHT TO CANCLE TO SHOW THE LAST DAY TO CANCEL AS REDACTED. NO POST CLOSE CD WAS LOCATED IN THE FILE. - Due Diligence Vendor-REDACTED <br> Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-PCCD with updated disbursement date of REDACTED received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 19428162 D A | Closed | FCRE1316 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Corrected CPA letter received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see the attached corrected CPA letter. <br> Thanks! - Buyer-REDACTED <br> Counter-CPA letter received dated REDACTED, which is likely a typo, but will need to be updated to the correct year to document the file. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see the attached updated letter. <br> Thanks! - Buyer-REDACTED <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing The CPA letter is the most recent document in file verifying business existence which is dated REDACTED. The letter is more than REDACTED days prior to the note date of REDACTED, violating guidelines. REDACTED - Due Diligence Vendor-REDACTED |  | Resolved-Corrected CPA letter received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 15642231 D A | Closed | FCRE9814 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Trust Agreement | Resolved-Trust cert received - resolved - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see attached trust cert. <br> Thanks! - Buyer-REDACTED <br> Open-The Trust Certification in file is blank. The completed Trust Cert is needed. - Due Diligence Vendor-REDACTED |  | Resolved-Trust cert received - resolved - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 15306482 D A | Closed | FCRE8201 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Eligibility | Loan does not conform to program guidelines | Resolved-Document Uploaded. Property tax information in file was on another property. After re-verifying the taxes on this property, the finding is resolved and DSCR is over REDACTED. - Due Diligence Vendor-REDACTED <br> Open-MINIMUM DSCR SCORE IS REDACTED AND SCORE IS REDACTED<br>DSCR IS LESS THAN REDACTED. MARKET RENT REDACTED. All monthly costs total REDACTED. LENDER USED REDACTED MARKET RENT REDACTED=REDACTED - Due Diligence Vendor-REDACTED |  | Resolved-Document Uploaded. Property tax information in file was on another property. After re-verifying the taxes on this property, the finding is resolved and DSCR is over REDACTED. - Due Diligence Vendor-REDACTED |  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 15306482 D A | Closed | FCRE5116 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Mortgage history verified on credit report vs. mortgages listed on 1003 with property addresses. - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-VOM required for 12 months history on primary residence and subject property mortgages. Neither mortgage is on credit report. Borrower does not meet requirements of a seasoned investor. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Mortgage history verified on credit report vs. mortgages listed on 1003 with property addresses. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 11299132 D A C | Closed | FCRE3978 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-Documentation received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. please see attached lender's advice - Seller-REDACTED <br>Counter-The LOE submitted is dated prior to the application date. Lender to advise. - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. please see attached purpose of cash out - Seller-REDACTED <br>Counter-The inquiry letter was submitted. The letter to explain the use of cash out is needed. - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Cash Out use letter not located in file - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. please see attached lender's advice - Seller-REDACTED <br>Ready for Review-Document Uploaded. please see attached purpose of cash out - Seller-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Documentation received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 11299132 D A C | Closed | FCRE6534 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Fraud Product | Resolved-Fraud report received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Fraud report received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 11299132 D A C | Closed | FCRE2109 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Income worksheet received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Income worksheet received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 11299132 D A C | Closed | FCOM4001 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Proof of Appraisal Delivery or Signed Appraisal Delivery Waiver | Resolved-Proof of delivery received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. ROV uploaded - Seller-REDACTED <br>Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. ROV uploaded - Seller-REDACTED<br>| Resolved-Proof of delivery received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 17701313 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Limited Cash Out - <2% of Loan Amount or $2000 |  |  |
| REDACTED |  | 11576164 D A | Closed | FCRE5782 | REDACTED | REDACTED | 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-REDACTED <br>Ready for Review-Document Uploaded. Credit Refresh uploaded - Seller-REDACTED <br>Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Credit Refresh uploaded - Seller-REDACTED<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 10487336 D B A | Closed | FCRE1201 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Third Party Fraud Report not Provided | Resolved-Fraud Guard received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. Hi,<br> Please see the attached. <br> Thanks! - Buyer-REDACTED <br>Open-Missing Third Party Fraud Report fraud report is missing - Due Diligence Vendor-REDACTED |  | Resolved-Fraud Guard received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 10487336 D B A | Closed | FCRE8946 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Income/Employment | Income documentation expiration dates | Resolved-Updated P&L received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see the attached. <br> Thanks! - Buyer-REDACTED <br> Open-P&L in file is greater than REDACTED days old (full doc self-emp - P&L required) - Due Diligence Vendor-REDACTED |  | Resolved-Updated P&L received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 10487336 D B A | Closed | FCRE8201 | REDACTED | REDACTED | Waived | 2 - Non-Material B | Credit | Eligibility | Loan does not conform to program guidelines | Waived-Exception in file (REDACTED) to follow guidelines dated REDACTED vs guidelines dated REDACTED in order<br> to extend appraisal REDACTED days upon recertification of value. Also - allow recert of<br> value to be done after expiration date.<br> - Due Diligence Vendor-REDACTED |  | Waived-Exception in file (REDACTED) to follow guidelines dated REDACTED vs guidelines dated REDACTED in order<br> to extend appraisal REDACTED days upon recertification of value. Also - allow recert of<br> value to be done after expiration date.<br> - Due Diligence Vendor-REDACTED |  | REDACTED CLTV vs program max of REDACTED CLTV, REDACTED FICO vs program minimum of REDACTED, No mortgage lates reported on credit in last REDACTED months. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | Originator Pre-Close | Yes |
| REDACTED |  | 13435420 D A | Closed | FCRE1316 | REDACTED | REDACTED | 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-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 13435420 D A | Closed | FCRE1347 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 2 3rd Party VOE Prior to Close Missing | Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Borrower 2 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 13373315 D A | Closed | FCRE6534 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Fraud Product | Resolved-Fraud report received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Fraud report received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 10398416 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other |  |  |
| REDACTED |  | 18930469 C A | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Supplemental taxes for REDACTED verified paid at closing with settlement statement & and final CD. Both amounts due for REDACTED plus the penalty for the first payment of the year per title total the amounts on settlement statement and final CD. Resolved. - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Hi,<br> Please see attached. \*\*It's on the bottom of page 1 in the "miscellaneous charges" section. <br> Thanks! - Buyer-REDACTED <br> Open-Verification that the supplemental taxes due REDACTED were paid at or before closing. REDACTED total. Payment not present on final CD. - Due Diligence Vendor-REDACTED |  | Resolved-Supplemental taxes for REDACTED verified paid at closing with settlement statement & and final CD. Both amounts due for REDACTED plus the penalty for the first payment of the year per title total the amounts on settlement statement and final CD. Resolved. - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 1REDACTED32430 B | Closed | FCRE1441 | REDACTED | REDACTED | Waived | 2 - Non-Material C B | Credit | Eligibility | Delinquent Credit History Does Not Meet Guideline Requirements | Waived-Credit supplement dated post-disbursement verifying account was past due but is now current received - B/2 - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. Credit Supplement uploaded<br> - Seller-REDACTED <br> Open-Credit refresh received. Credit refresh indicates that account with REDACTED is currently past due as of the time of origination. Verification that the REDACTED account was paid current prior to closing is required. (Account was not paid off on Final CD at closing.) - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Credit Supplement uploaded<br> - Seller-REDACTED<br>| Waived-Credit supplement dated post-disbursement verifying account was past due but is now current received - B/2 - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No |
| REDACTED |  | 1REDACTED32430 B | Closed | FCOM4001 | REDACTED | REDACTED | Resolved | 1 - Information C A | Compliance | Disclosure | Missing Proof of Appraisal Delivery or Signed Appraisal Delivery Waiver | Resolved-Proof of delivery received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Counter-Per ECOA, the REDACTED is required to be delivered to the borrower. Verification of the valuation delivery or signed waiver is required. - Due Diligence Vendor-REDACTED <br> Ready for Review-This file closed with a REDACTED. Borrower of delivery is not required. - Seller-REDACTED <br> Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED <br> Ready for Review-This file closed with a REDACTED. Borrower of delivery is not required. - Seller-REDACTED | Resolved-Proof of delivery received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 1REDACTED32430 B | Closed | FCRE5782 | REDACTED | REDACTED | 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-REDACTED <br> Ready for Review-Document Uploaded. Credit Refresh uploaded - Seller-REDACTED <br> Open-Borrower 1 Gap Credit Report is Missing - Missing gap credit report required if Note date is greater than REDACTED days after the date of the credit report at origination. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. Credit Refresh uploaded - Seller-REDACTED<br>| Resolved-Borrower 1 Gap Credit Report is not missing. - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 12274404 D A | Closed | FCRE7497 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Payment verified for other REO - resolved - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Missing supporting documentation to verify monthly payment of REDACTED per final 1003 for other REO at REDACTED. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Payment verified for other REO - resolved - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 12274404 D A | Closed | FCRE5116 | REDACTED | REDACTED | 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-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing first-lien mortgage statement for the subject property (must be dated within REDACTED days of the Note date per guidelines) - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not Missing - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 12274404 D A | Closed | FCRE1254 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Property Title Issue Resolved - Due Diligence Vendor-REDACTED <br>Resolved-Title policy verifying lender as named insured and coverage received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Verification of lender as named insured and lender title insurance coverage not located on preliminary title - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Property Title Issue Resolved - Due Diligence Vendor-REDACTED <br>Resolved-Title policy verifying lender as named insured and coverage received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 11301210 D A | Closed | FCRE1148 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title supplement verifying lender as named insured and coverage received - Due Diligence Vendor-REDACTED <br> Ready for Review-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) Lender coverage and lender as named insured is not located on title - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Title supplement verifying lender as named insured and coverage received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 11301210 D A | Closed | FCRE3978 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Letter of Explanation (Credit) | Resolved-Cash out LOE received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open-Missing use of cash out letter - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Cash out LOE received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 11301210 D A | Closed | FCOM3075 | REDACTED | REDACTED | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing US Patriot Act Disclosure or ID | Resolved-Patriot Act completed form received - Due Diligence Vendor-REDACTED <br>Ready for Review-Document Uploaded. - Seller-REDACTED <br>Open- - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Patriot Act completed form received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation | N/A | N/A |
| REDACTED |  | 18779112 D A | Closed | FCRE7497 | REDACTED | REDACTED | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Resolved per recorded grant deed - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-- Missing homeowner insurance policy, taxes and HOA statement if applicable for other REO at REDACTED. Escrow is not included in monthly mortgage payment per statement in file. DTI is subject to recalculation upon receipt. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Resolved per recorded grant deed - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 18779112 D A | Closed | FCRE1437 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-P&L with current year received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Income and Employment Do Not Meet Guidelines P&L statement has a future ending date of REDACTED. - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-P&L with current year received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 18779112 D A | Closed | FCRE1148 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) - Due Diligence Vendor-REDACTED <br> Resolved-Title insurance showing lender as named insured and coverage amount received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) Title policy is missing lender as named insured and lender coverage amount. REDACTED - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) - Due Diligence Vendor-REDACTED <br> Resolved-Title insurance showing lender as named insured and coverage amount received - Due Diligence Vendor-REDACTED |  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 14888390 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Debt Consolidation |  |  |
| REDACTED |  | 17464862 C A | Closed | FCRE1148 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Lender title coverage and lender as named insured received - Due Diligence Vendor-REDACTED <br> Ready for Review-Title Coverage Amount of REDACTED0 is Less than Total Amount of Subject Lien(s) - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Title Coverage Amount of REDACTED is Less than Total Amount of Subject Lien(s) - Title policy is missing lender as named insured and lender coverage amount - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Lender title coverage and lender as named insured received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | REDACTED | REDACTED | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| REDACTED |  | 14596849 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other |  |  |
| REDACTED |  | 10591874 A |  |  | REDACTED | REDACTED |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other |  |  |
| REDACTED |  | 1772REDACTED70 | Closed | FCRE8611 | REDACTED | REDACTED | Resolved | 1 - Information C A | Credit | Income/Employment | Income/Employment General | Resolved-Business LLC documents & EIN received - Due Diligence Vendor-REDACTED <br> Ready for Review-Document Uploaded. - Seller-REDACTED <br> Open-Missing Formation and Operating documents required by Guidelines for REDACTED<br> o Articles of Incorporation and bylaws<br> o Certificate of Formation and Operating Agreement<br> • Tax Identification Number/EIN Number<br> • Certificate of Good Standing - Due Diligence Vendor-REDACTED | Ready for Review-Document Uploaded. - Seller-REDACTED<br>| Resolved-Business LLC documents & EIN received - Due Diligence Vendor-REDACTED<br>|  |  | REDACTED | ATR/QM: Exempt | ATR/QM: Exempt | REDACTED | REDACTED | Investment | Refinance | Cash Out - Other | N/A | N/A |

---

## Exhibit 99.7

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.7 - Schedule 4**

---

| | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **EDGAR ID** | **Original Loan Amount** | **Initial Property Loan Grades DBRS** | **Initial Property Loan Grades Kroll** | **Initial Property Loan Grades Moody's** | **Initial Property Loan Grades S&P** | **Final Property Loan Grades DBRS** | **Final Property Loan Grades Kroll** | **Final Property Loan Grades Moody's** | **Final Property Loan Grades S&P** |
| REDACTED |  | **10326533** | REDACTED | N/A C | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| REDACTED |  | **15058105** | REDACTED | A | A | A | A | A | A | A | A |
| REDACTED |  | **17278618** | REDACTED | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| REDACTED |  | **12318729** | REDACTED | N/A C | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| REDACTED |  | **18833880** | REDACTED | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| REDACTED |  | **10949718** | REDACTED | A | A | A | A D | A | A | A | A |
| REDACTED |  | **13432267** | REDACTED | A | A | A | A D | A | A | A | A |
| REDACTED |  | **18796706** | REDACTED | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| REDACTED |  | **13923313** | REDACTED | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| REDACTED |  | **18953028** | REDACTED | A | A | A | A D | A | A | A | A |
| REDACTED |  | **17501895** | REDACTED | N/A D | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| REDACTED |  | **15796999** | REDACTED | A | A | A | A | A | A | A | A |
| REDACTED |  | **10550816** | REDACTED | A | A | A | A D | A | A | A | A |
| REDACTED |  | **16702977** | REDACTED | A | A | A | A | A | A | A | A |
| REDACTED |  | **13934482** | REDACTED | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| REDACTED |  | **12550881** | REDACTED | A | A | A | A D | A | A | A | A |
| REDACTED |  | **10311008** | REDACTED | A | A | A | A | A | A | A | A |
| REDACTED |  | **12825225** | REDACTED | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| REDACTED |  | **13224521** | REDACTED | A | A | A | A | A | A | A | A |
| REDACTED |  | **15797266** | REDACTED | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| REDACTED |  | **15932688** | REDACTED | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| REDACTED |  | **17284746** | REDACTED | A | A | A | A D | A | A | A | A |
| REDACTED |  | **13265383** | REDACTED | A | A | A | A D | A | A | A | A |
| REDACTED |  | **14091423** | REDACTED | A | A | A | A D B | A | A | A | A B |
| REDACTED |  | **11868703** | REDACTED | A | A | A | A D | A | A | A | A |
| REDACTED |  | **12677363** | REDACTED | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| REDACTED |  | **10723717** | REDACTED | A | A | A | A D B | A | A | A | A B |
| REDACTED |  | **17361516** | REDACTED | A | A | A | A D B | A | A | A | A B |
| REDACTED |  | **17489220** | REDACTED | A | A | A | A C | A | A | A | A |
| REDACTED |  | **15111630** | REDACTED | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| REDACTED |  | **18086704** | REDACTED | A | A | A | A D | A | A | A | A |
| REDACTED |  | **11816576** | REDACTED | A | A | A | A D | A | A | A | A |
| REDACTED |  | **13407506** | REDACTED | A | A | A | A C | A | A | A | A |
| REDACTED |  | **10026561** | REDACTED | A | A | A | A D B | A | A | A | A B |
| REDACTED |  | **16238301** | REDACTED | A | A | A | A C | A | A | A | A |
| REDACTED |  | **14496648** | REDACTED | A | A | A | A D | A | A | A | A |
| REDACTED |  | **11981206** | REDACTED | A | A | A | A D | A | A | A | A |
| REDACTED |  | **12037112** | REDACTED | A | A | A | A D | A | A | A | A |
| REDACTED |  | **17045398** | REDACTED | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| REDACTED |  | **16958668** | REDACTED | A | A | A | A | A | A | A | A |
| REDACTED |  | **13936667** | REDACTED | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| REDACTED |  | **17687060** | REDACTED | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| REDACTED |  | **16136396** | REDACTED | N/A C | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A B |
| REDACTED |  | **19044116** | REDACTED | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| REDACTED |  | **11946240** | REDACTED | A | A | A | A D B | A | A | A | A B |
| REDACTED |  | **19637789** | REDACTED | A | A | A | A C | A | A | A | A |
| REDACTED |  | **17779833** | REDACTED | A | A | A | A D | A | A | A | A |
| REDACTED |  | **18646022** | REDACTED | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A B |
| REDACTED |  | **16898388** | REDACTED | C | C | C | C D A | A | A | A | A |
| REDACTED |  | **17763194** | REDACTED | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A B |
| REDACTED |  | **12066646** | REDACTED | D | D | D | D A | A | A | A | A |
| REDACTED |  | **10264232** | REDACTED | A | A | A | A D | A | A | A | A |
| REDACTED |  | **13952049** | REDACTED | A | A | A | A D | A | A | A | A |
| REDACTED |  | **11441879** | REDACTED | C | C | C | C D A | A | A | A | A |
| REDACTED |  | **15573051** | REDACTED | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A B |
| REDACTED |  | **19440774** | REDACTED | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| REDACTED |  | **15336942** | REDACTED | A | A | A | A | A | A | A | A |
| REDACTED |  | **16966195** | REDACTED | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A B |
| REDACTED |  | **14252905** | REDACTED | A | A | A | A D | A | A | A | A |
| REDACTED |  | **16199191** | REDACTED | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| REDACTED |  | **10932296** | REDACTED | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A B |
| REDACTED |  | **18266375** | REDACTED | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| REDACTED |  | **14058518** | REDACTED | A | A | A | A | A | A | A | A |
| REDACTED |  | **14339146** | REDACTED | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| REDACTED |  | **18195958** | REDACTED | N/A C | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A B |
| REDACTED |  | **12282255** | REDACTED | A | A | A | A D | A | A | A | A |
| REDACTED |  | **13969390** | REDACTED | N/A C | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| REDACTED |  | **17126027** | REDACTED | A | A | A | A D | A | A | A | A |
| REDACTED |  | **15311614** | REDACTED B | A | A | A | A C B | A | A | A | A B |
| REDACTED |  | **13103459** | REDACTED | A | A | A | A D | A | A | A | A |
| REDACTED |  | **11355738** | REDACTED | A | A | A | A | A | A | A | A |
| REDACTED |  | **11427001** | REDACTED | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A B |
| REDACTED |  | **19351859** | REDACTED B | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A B |
| REDACTED |  | **14195378** | REDACTED | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A B |
| REDACTED |  | **15953419** | REDACTED | A | A | A | A D | A | A | A | A |
| REDACTED |  | **11364264** | REDACTED | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| REDACTED |  | **10966072** | REDACTED | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| REDACTED |  | **17777074** | REDACTED | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| REDACTED |  | **16668034** | REDACTED | A | A | A | A D | A | A | A | A |
| REDACTED |  | **18511953** | REDACTED | A | A | A | A | A | A | A | A |
| REDACTED |  | **19360186** | REDACTED | A | A | A | A C | A | A | A | A |
| REDACTED |  | **18272113** | REDACTED | A | A | A | A D | A | A | A | A |
| REDACTED |  | **17435810** | REDACTED | A | A | A | A D | A | A | A | A |
| REDACTED |  | **12352315** | REDACTED | A | A | A | A | A | A | A | A |
| REDACTED |  | **13581137** | REDACTED | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| REDACTED |  | **13724874** | REDACTED | A | A | A | A D | A | A | A | A |
| REDACTED |  | **19428162** | REDACTED | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| REDACTED |  | **15642231** | REDACTED | A | A | A | A D | A | A | A | A |
| REDACTED |  | **15306482** | REDACTED | A | A | A | A D | A | A | A | A |
| REDACTED |  | **11299132** | REDACTED | A | A | A | A D | A | A | A | A |
| REDACTED |  | **17701313** | REDACTED | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| REDACTED |  | **11576164** | REDACTED | A | A | A | A D | A | A | A | A |
| REDACTED |  | **10487336** | REDACTED | A | A | A | A D B | A | A | A | A B |
| REDACTED |  | **13435420** | REDACTED | A | A | A | A D | A | A | A | A |
| REDACTED |  | **13373315** | REDACTED | A | A | A | A D | A | A | A | A |
| REDACTED |  | **10398416** | REDACTED | A | A | A | A | A | A | A | A |
| REDACTED |  | **18930469** | REDACTED | A | A | A | A C | A | A | A | A |
| REDACTED |  | **16032430** | REDACTED | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A B |
| REDACTED |  | **12274404** | REDACTED | A | A | A | A D | A | A | A | A |
| REDACTED |  | **11301210** | REDACTED | A | A | A | A D | A | A | A | A |
| REDACTED |  | **18779112** | REDACTED | A | A | A | A D | A | A | A | A |
| REDACTED |  | **14888390** | REDACTED | A | A | A | A | A | A | A | A |
| REDACTED |  | **17464862** | REDACTED | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| REDACTED |  | **14596849** | REDACTED | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| REDACTED |  | **10591874** | REDACTED | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| REDACTED |  | **17726070** | REDACTED | A | A | A | A C | A | A | A | A |

---

## Exhibit 99.7

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.7 - Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan ID** | **Seller Loan ID** | **EDGAR ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Co Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Borrower Award/Offer Letter** | **Co Borrower Award/Offer Letter** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower WVOE Flag** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower WVOE Flag** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Subordinate Lien 2 Type** | **Subordinate Lien 2 Max Draw Amount (HELOC)** | **Subordinate Lien 3 Type** | **Subordinate Lien 3 Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** | **Borrower 1 Trust Name** | **Borrower 2 Trust Name** | **Borrower 3 Trust Name** | **Borrower 4 Trust Name** |
| REDACTED |  | **10326533** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 770.03 | 11/03/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.299% |  | 9.875% | 9.875% | $478.38 | No | REDACTED | REDACTED | $3783.24 | $315.27 | $0.00 | $0.00 | $1197.07 | $2379.53 |  | N/A |  |  | $0.00 |  |  | 45.55% | 44.55% | 44.55% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 2 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Borrower Prepared | 11 | Borrower |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Primary Residence Rent Income - 2 YRS Personal Tax Returns Verified, CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 708 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 74.24 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **15058105** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 3216.25 | 10/13/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.943% |  | 8.375% | 8.375% | $1026.30 | No | REDACTED | REDACTED | $3956.04 | $329.67 | $1368.00 | $114.00 | $2414.10 | $4532.41 |  | N/A | REDACTED | REDACTED | $114.00 |  | Monthly | 30.38% | 30.38% | 30.38% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 38 | 34 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 777 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 79.36 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **17278618** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 3768.71 | 02/16/2026 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.696% |  | 8.125% | 8.125% | $594.00 | No | REDACTED | REDACTED | $6786.96 | $565.58 | $120.00 | $10.00 | $1150.94 | $2657.95 |  | N/A | REDACTED | REDACTED | $10.00 |  | Annually | 47.49% | 47.48% | 47.48% | No | No |  |  |  |  |  |  | Retired | Self-Employed |  |  |  |  | 2YR Full Doc | 1 | 2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 3 | Yes | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 50 | 25 | FNMA 1005 | No | 0 |  | N/A | Borrower - Retirement - 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - ["2025"] - 2025 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025"] - 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  | 782 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 66.94 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | **12318729** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 895 | 11/17/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.347% |  | 8.250% | 8.250% | $869.97 | No | REDACTED | REDACTED | $1605.00 | $133.75 | $0.00 | $0.00 | $1370.80 | $3256.32 |  | N/A |  |  | $0.00 |  |  | 41.06% | 40.93% | 40.93% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 108 | 34 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Separation Agreement Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 700 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Form | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 74.99 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **18833880** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 14014 | 11/17/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.111% |  | 8.750% | 8.750% | $3540.15 | No | REDACTED | REDACTED | $9437.64 | $786.47 | $3111.96 | $259.33 | $1968.98 | $7542.75 |  | N/A | REDACTED | REDACTED | $259.33 |  | Monthly | 30.06% | 30.08% | 30.08% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 703 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 298424.08 | 39.6 | No | 60.19 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **10949718** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 3426.25 | 11/24/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.817% |  | 10.375% | 10.375% | $1041.22 | No | REDACTED | REDACTED | $2677.20 | $223.10 | $0.00 | $0.00 | $2461.95 | $4311.65 |  | N/A |  |  | $0.00 |  |  | 44.54% | 38.26% | 38.26% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 705 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Passport |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 81987.71 | 19 | No | 84.34 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **13432267** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 9040 | 11/24/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.432% |  | 7.875% | 7.875% | $1450.14 | No | REDACTED | REDACTED | $3509.04 | $292.42 | $0.00 | $0.00 | $3505.82 | $6620.56 |  | N/A |  |  | $0.00 |  |  | 44.56% | 44.56% | 44.56% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | NA |  | N/A | 0 |  |  | 2 | 2 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 9 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(K1), CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2023","2024"] - 2023, 2024 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(K1), 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2023","2024"] - 2023, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 794 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Other | PERMANENT RESIDENCT CARD | REDACTED | REDACTED | REDACTED |  |  | I-151 Permanent Resident Card |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 158836.80 | 24 | No | 60.71 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **18796706** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 11107.76 | 12/15/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.734% |  | 9.250% | 9.250% | $2299.51 | No | REDACTED | REDACTED | $1662.60 | $138.55 | $0.00 | $0.00 | $2223.25 | $5019.75 |  | N/A |  |  | $0.00 |  |  | 45.00% | 44.96% | 44.96% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | Yes | 12 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 7 | 7 | Work Number | Yes | 360 | 35 | Work Number | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Lease Agreements Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Lease Agreements Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  | 680 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 24346.57 | 4.9 | 24346.57 | 4.9 | No | 74.91 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | **13923313** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 7053.5 | 11/24/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.983% |  | 9.375% | 9.375% | $1247.62 | No | REDACTED | REDACTED | $1776.00 | $148.00 | $267.96 | $22.33 | $808.91 | $2537.31 |  | N/A | REDACTED | REDACTED | $22.33 |  | Annually | 40.30% | 40.30% | 40.30% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 360 | 32 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 689 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 67.48 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **18953028** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/02/2025 | 12.2.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 2690 | 12/01/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.456% |  | 8.250% | 8.250% | $1502.53 | No | REDACTED | REDACTED | $7758.00 | $646.50 | $1402.92 | $116.91 | $5587.75 | $8937.54 |  | N/A |  | REDACTED | $116.91 |  | Monthly | 37.06% | 36.93% | 36.93% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | Yes | NA | No | No | 0 | No | Yes | Yes | 2 | 0 | Yes | Yes | 2 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Retirement, Retirement - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Executed 4506T Verified, Award Letter Verified, Personal Bank Statements Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Executed 4506T Verified, Personal Bank Statements Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  | 794 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 2491.99 | 0.3 | 197824.05 | 22.1 | No | 69.01 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | **17501895** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 2500 | 12/01/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 7.927% |  | 7.875% | 7.875% | $3857.37 | No | REDACTED | REDACTED | $1275.12 | $106.26 | $0.00 | $0.00 | $3216.39 | $8567.82 |  | N/A |  |  | $0.00 |  |  | 50.45% | 46.00% | 46.00% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 1YR Full Doc | 1 | 1 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 1 | 0 | 1 | 0 | 3 | 1 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 1 YR Personal Tax Returns Verified, 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Lease Agreements Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - Wage - 1 YR Personal Tax Returns Verified, 1 YR W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Lease Agreements Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  | 772 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Form | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | Patriot Act Form | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 47447.24 | 5.5 | 47447.24 | 5.5 | No | 40.18 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | REDACTED | REDACTED |  |  |
| REDACTED |  | **15796999** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/02/2025 | 12.2.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1425 | 12/01/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.080% |  | 7.750% | 7.750% | $429.85 | No | REDACTED | REDACTED | $3098.04 | $258.17 | $200.04 | $16.67 | $2139.29 | $3568.80 |  | N/A | REDACTED | REDACTED | $16.67 |  | Annually | 39.54% | 38.60% | 38.60% | No | No |  |  |  |  |  |  | Retired | Retired |  |  |  |  | 2YR Full Doc | 2 | 2 | NA | NA | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 2 | 2 | Yes | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SSI and Disability, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified, 1040 Schedule E Verified - ["2023","2024"] - 2023, 2024 \|\| Co Borrower - SESoleProprietor, SSI and Disability, Retirement - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified, 1040 Schedule E Verified - ["2023","2024"] - 2023, 2024 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2023","2024"] - 2023, 2024 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2023","2024"] - 2023, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  | 796 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 35.92 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | **10550816** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A | 0 | 12/01/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 9.625% | 9.625% | $2312.82 | No | REDACTED | REDACTED | $2868.00 | $239.00 | $0.00 | $0.00 | $3557.06 | $7125.57 |  | N/A |  |  | $0.00 |  |  | 35.37% | 35.37% | 35.37% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 754 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Form | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 69.89 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **16702977** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1690 | 12/01/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.386% |  | 8.250% | 8.250% | $1502.53 | No | REDACTED | REDACTED | $3467.04 | $288.92 | $0.00 | $0.00 | $2270.37 | $4656.33 |  | N/A |  |  | $0.00 |  |  | 42.77% | 42.78% | 42.78% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 49.00% | 51.00% |  | Third-Party Prepared (Unaudited) | 12 | CPA | Third-Party Prepared (Unaudited) | CPA | 12 | Yes | 192 | Yes | 192 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESCorp - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - SESCorp - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - ["2024","2025"] - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  | 799 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | PATRIOT ACT INFORMATION FORM | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | PATRIOT ACT INFORMATION FORM | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 130780.56 | 28.1 | No | 57.23 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | REDACTED | REDACTED |  |  |
| REDACTED |  | **13934482** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 8890 | 12/01/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.587% |  | 8.125% | 8.125% | $1633.49 | No | REDACTED | REDACTED | $2855.04 | $237.92 | $0.00 | $0.00 | $2066.92 | $4605.47 |  | N/A |  |  | $0.00 |  |  | 34.50% | 34.50% | 34.50% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 790 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | PATRIOT ACT INFORMATION FORM | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 102643.27 | 22.3 | No | 52.64 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **12550881** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 495 | 12/01/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.708% |  | 8.625% | 8.625% | $777.79 | No | REDACTED | REDACTED | $1442.04 | $120.17 | $0.00 | $0.00 | $1270.00 | $2223.47 |  | N/A |  |  | $0.00 |  |  | 12.75% | 12.52% | 12.52% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 33.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 721 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 97125.61 | 63.5 | No | 64.71 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **10311008** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A | 0 | 12/01/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 8.500% | 8.500% | $1153.37 | No | REDACTED | REDACTED | $2091.00 | $174.25 | $0.00 | $0.00 | $1651.78 | $3470.06 |  | N/A |  |  | $0.00 |  |  | 29.33% | 30.31% | 30.31% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 35 | CPA | N/A | N/A | 0 | Yes | 240 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower | Borrower - ["2024","2025"] - 2024, 2025 \|\| Co Borrower | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  | 779 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | PATRIOT ACT INFORMATION FORM | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | PATRIOT ACT INFORMATION FORM | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 23334.67 | 6.7 | No | 39.08 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | **12825225** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 3030 | 12/01/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.376% |  | 9.875% | 9.875% | $970.38 | No | REDACTED | REDACTED | $1199.04 | $99.92 | $0.00 | $0.00 | $1998.25 | $3650.54 |  | N/A |  |  | $0.00 |  |  | 37.48% | 37.32% | 37.32% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 693 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | PATRIOT ACT INFORMATION FORM | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 106380.80 | 29.1 | No | 69.46 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **13224521** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 3255 | 12/01/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.992% |  | 10.500% | 10.500% | $1125.13 | No | REDACTED | REDACTED | $1740.96 | $145.08 | $0.00 | $0.00 | $869.01 | $2316.86 |  | N/A |  |  | $0.00 |  |  | 22.67% | 23.10% | 23.10% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 681 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | PATRIOT ACT INFORMATION FORM | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 106426.57 | 45.9 | No | 69.48 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **15797266** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 7795 | 12/01/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.997% |  | 8.750% | 8.750% | $3146.80 | No | REDACTED | REDACTED | $3123.00 | $260.25 | $0.00 | $0.00 | $2098.64 | $6098.72 |  | N/A |  |  | $0.00 |  |  | 40.64% | 42.40% | 42.40% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 58 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 701 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Form | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 40.43 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **15932688** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  | REDACTED | Manual Underwriting | Manual Underwriting | No |  |  | 8.625% | 8.625% | $2154.48 | No | REDACTED | REDACTED | $938.76 | $78.23 | $6258.60 | $521.55 | $2143.27 | $5638.41 |  | Yes | REDACTED | REDACTED | $521.55 |  | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.046 | 1.046 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 746 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 267051.14 | 47.4 | No | 62.82 | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | REDACTED |  |  |  |
| REDACTED |  | **17284746** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1995 | 12/01/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.439% |  | 8.375% | 8.375% | $3800.36 | No | REDACTED | REDACTED | $4213.56 | $351.13 | $2414.52 | $201.21 | $2070.36 | $7011.13 |  | N/A | REDACTED | REDACTED | $201.21 |  | Monthly | 39.20% | 39.20% | 39.20% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 807 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Form | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 36.35 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | REDACTED |  |  |  |
| REDACTED |  | **13265383** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 10245 | 12/01/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.174% |  | 8.000% | 8.000% | $2054.54 | No | REDACTED | REDACTED | $1323.96 | $110.33 | $0.00 | $0.00 | $1787.72 | $4373.94 |  | N/A |  |  | $0.00 |  |  | 24.65% | 24.65% | 24.65% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 84 | Yes | 84 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESCorp, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - SESCorp - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - ["2024","2025"] - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  | 770 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | PATRIOT ACT INFORMATION FORM | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | PATRIOT ACT INFORMATION FORM |  | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 270692.70 | 61.9 | No | 64.4 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | **14091423** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1430 | 12/08/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.071% |  | 8.000% | 8.000% | $3476.56 | No | REDACTED | REDACTED | $4931.04 | $410.92 | $0.00 | $0.00 | $2392.60 | $6699.84 |  | N/A |  |  | $0.00 |  |  | 48.27% | 48.26% | 56.47% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 2 | 2 | NA | NA | No | No | 60 | No | Yes | Yes | 6 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 100.00% |  | N/A | 0 | N/A | Borrower Prepared | Borrower | 11 | NA | 0 | No | 0 | Yes | 192 | 35 | Work Number | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Asset Depletion - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Personal Bank Statements Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - SESoleProprietor - 2 YRS Personal Tax Returns Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  | 784 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 56.9 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | REDACTED | REDACTED |  |  |
| REDACTED |  | **11868703** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1595 | 12/08/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.638% |  | 8.375% | 8.375% | $760.07 | No | REDACTED | REDACTED | $1522.56 | $126.88 | $6120.00 | $510.00 | $3059.31 | $5324.86 |  | N/A | REDACTED | REDACTED | $510.00 |  | Monthly | 37.91% | 37.91% | 37.91% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 795 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 68.48 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | REDACTED |  |  |  |
| REDACTED |  | **12677363** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 3538.25 | 12/08/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.317% |  | 7.750% | 7.750% | $537.31 | No | REDACTED | REDACTED | $1037.04 | $86.42 | $0.00 | $0.00 | $543.45 | $1310.16 |  | N/A |  |  | $0.00 |  |  | 38.46% | 38.46% | 38.46% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | 1YR Full Doc | 1 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SSI and Disability, Retirement - 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Award Letter Verified - ["2024"] - 2024 | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024"] - 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 786 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Form | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 59.76 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **10723717** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1430 | 12/08/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.686% |  | 8.625% | 8.625% | $2675.60 | No | REDACTED | REDACTED | $1765.32 | $147.11 | $0.00 | $0.00 | $2077.61 | $5429.79 |  | N/A |  |  | $0.00 |  |  | 41.39% | 41.41% | 41.41% | No | No |  |  |  |  |  |  | Not Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 1 | 0 | 1 | 1 | 2 | 2 | NA | NA | No | No | 60 | No | Yes | Yes | 6 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Asset Depletion, Asset Depletion, Asset Depletion - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Personal Bank Statements Verified - ["2025"] - 2025 \|\| Co Borrower - Wage, Asset Depletion - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(K1), 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 1 YR Personal Tax Returns Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025"] - 2025 \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(K1), 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  | 721 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Form | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | Patriot Act Form | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 74.49 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | **17361516** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1934.2 | 08/25/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.463% |  | 9.125% | 9.125% | $924.12 | No | REDACTED | REDACTED | $1745.04 | $145.42 | $600.00 | $50.00 | $2682.27 | $4322.24 |  | N/A | REDACTED | REDACTED | $50.00 |  | Annually | 45.92% | 46.21% | 46.21% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 1 | 24 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Bonus, SESCorp - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  | 672 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 26594.22 | 6.2 | No | 78.82 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | **17489220** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 2255.77 | 12/08/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.912% |  | 8.375% | 8.375% | $907.48 | No | REDACTED | REDACTED | $705.00 | $58.75 | $4380.00 | $365.00 | $1167.04 | $2774.52 |  | Yes | REDACTED | REDACTED | $365.00 |  | Monthly | 47.20% | 47.20% | 47.20% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 1 | 24 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 813 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | Permanent Non-US Citizen | N/A | Other | PATRIOT ACT INFORMATION FORM | REDACTED | REDACTED | REDACTED |  |  | I-151 Permanent Resident Card |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 23922.09 | 8.6 | No | 74.89 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **15111630** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 4690 | 12/08/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.322% |  | 8.125% | 8.125% | $2227.49 | No | REDACTED | REDACTED | $1569.00 | $130.75 | $0.00 | $0.00 | $2132.95 | $5390.25 |  | N/A |  |  | $0.00 |  |  | 39.04% | 39.04% | 39.04% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 22 | Tax Preparer |  |  |  | Yes | 144 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | Borrower - Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 740 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 89722.89 | 16.7 | No | 55.77 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **18086704** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/02/2025 | 12.2.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 4480 | 12/01/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 11.079% |  | 10.500% | 10.500% | $1006.21 | No | REDACTED | REDACTED | $6615.72 | $551.31 | $1599.96 | $133.33 | $1897.10 | $4208.75 |  | N/A | REDACTED | REDACTED | $133.33 |  | Annually | 31.01% | 31.00% | 31.00% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Commission - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  | 723 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 1094.78 | 0.3 | No | 81.02 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | **11816576** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/02/2025 | 12.2.25 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  | REDACTED | Manual Underwriting | Manual Underwriting | No |  |  | 8.375% | 8.375% | $1352.93 | No | REDACTED | REDACTED | $723.00 | $60.25 | $0.00 | $0.00 | $867.13 | $2796.41 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.001 | 1.001 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 810 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 41402.69 | 14.8 | No | 65.57 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **13407506** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 5342.5 | 12/15/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 11.291% |  | 11.000% | 11.000% | $2637.94 | No | REDACTED | REDACTED | $4825.68 | $402.14 | $0.00 | $0.00 | $2897.17 | $6955.74 |  | N/A |  |  | $0.00 |  |  | 44.36% | 44.45% | 44.45% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor, SESoleProprietor, SESoleProprietor, SESoleProprietor, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 665 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 74.61 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **10026561** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/02/2025 | 12.2.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 1195 | 12/15/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 12.699% |  | 12.375% | 12.375% | $901.87 | No | REDACTED | REDACTED | $1351.56 | $112.63 | $0.00 | $0.00 | $2262.26 | $3863.31 |  | N/A |  |  | $0.00 |  |  | 34.13% | 34.13% | 34.13% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 5 | 5 | FNMA 1005 |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024"] - 2025, 2024 | Borrower - Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024"] - 2025, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 753 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 76532.50 | 19.8 | No | 87.09 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **16238301** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | Yes | No | N/A | N/A | 8481 | 12/08/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.219% |  | 8.875% | 8.875% | $2784.76 | No | REDACTED | REDACTED | $3383.04 | $281.92 | $2400.00 | $200.00 | $5365.94 | $9940.67 |  | N/A |  | REDACTED | $200.00 |  | Monthly | 32.46% | 32.76% | 32.76% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 100.00% |  | Audited | 12 | Tax Preparer | Audited | Tax Preparer | 12 | Yes | 60 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - ["2025","2024"] - 2025, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  | 708 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Missing |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Missing |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 312640.00 | 31.5 | No | 69.3 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | **14496648** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 9290 | 12/15/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.082% |  | 8.500% | 8.500% | $1537.83 | No | REDACTED | REDACTED | $2249.40 | $187.45 | $0.00 | $0.00 | $1418.02 | $3668.09 |  | N/A |  |  | $0.00 |  |  | 34.76% | 34.74% | 34.74% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 180 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, Separation Agreement Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 718 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Form | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 28.72 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **11981206** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/02/2025 | 12.2.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 10785.25 | 12/15/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.746% |  | 8.375% | 8.375% | $2841.91 | No | REDACTED | REDACTED | $9726.96 | $810.58 | $0.00 | $0.00 | $5938.90 | $11444.07 |  | N/A |  |  | $0.00 |  |  | 36.58% | 34.29% | 34.29% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 84 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 761 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 356771.92 | 32.4 | No | 79.16 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **12037112** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A | 0 | 12/15/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 9.500% | 9.500% | $1446.27 | No | REDACTED | REDACTED | $717.00 | $59.75 | $0.00 | $0.00 | $3832.58 | $6311.81 |  | N/A |  |  | $0.00 |  |  | 37.11% | 36.86% | 36.86% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 72 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 706 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Form | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 69.84 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **17045398** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/02/2025 | 12.2.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1995 | 12/22/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.017% |  | 7.625% | 7.625% | $813.75 | No | REDACTED | REDACTED | $2634.96 | $219.58 | $0.00 | $0.00 | $1271.23 | $2472.68 |  | N/A |  |  | $0.00 |  |  | 36.47% | 36.37% | 36.37% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 775 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | PATRIOT ACT FORM | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 96089.97 | 38.9 | No | 82.92 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **16958668** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/02/2025 | 12.2.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 7245 | 12/15/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.707% |  | 9.250% | 9.250% | $1768.75 | No | REDACTED | REDACTED | $2450.52 | $204.21 | $0.00 | $0.00 | $4199.78 | $7181.40 |  | N/A |  |  | $0.00 |  |  | 30.50% | 30.11% | 30.11% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 751 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Form | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 74.42 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **13936667** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A | 0 | 12/15/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 8.750% | 8.750% | $991.24 | No | REDACTED | REDACTED | $5457.96 | $454.83 | $0.00 | $0.00 | $3202.81 | $5825.27 |  | N/A |  |  | $0.00 |  |  | 37.10% | 37.10% | 37.10% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | Tax Preparer |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 802 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Missing |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 57.98 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **17687060** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 16590.4 | 12/22/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.085% |  | 9.500% | 9.500% | $2942.99 | No | REDACTED | REDACTED | $8847.00 | $737.25 | $450.00 | $37.50 | $5959.61 | $11414.96 |  | N/A | REDACTED | REDACTED | $37.50 |  | Monthly | 23.99% | 23.93% | 23.93% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 96 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp - CPA Letter Verified, YTD Profit And Loss Verified - ["2025"] - 2025 | Borrower - ["2025"] - 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 753 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 298856.98 | 26.2 | No | 73.41 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **16136396** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/02/2025 | 12.2.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 2000 | 12/22/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.466% |  | 8.125% | 8.125% | $844.24 | No | REDACTED | REDACTED | $2513.04 | $209.42 | $1031.88 | $85.99 | $2462.50 | $3903.38 |  | N/A | REDACTED | REDACTED | $85.99 |  | Monthly | 35.10% | 38.90% | 38.90% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 15 | 15 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, SSI and Disability - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 739 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Form | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 69.55 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **19044116** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/02/2025 | 12.2.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 8835 | 02/02/2026 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.358% |  | 9.000% | 9.000% | $2413.87 | No | REDACTED | REDACTED | $2445.00 | $203.75 | $0.00 | $0.00 | $4574.37 | $7780.45 |  | N/A |  |  | $0.00 |  |  | 35.78% | 35.59% | 35.59% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | Yes | Yes | 12 | 0 | 100.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESCorp - 3 YRS Executed 4506T Verified, Personal Bank Statements Verified - ["2025"] - 2025 \|\| Co Borrower - SESCorp - 3 YRS Executed 4506T Verified, Personal Bank Statements Verified - ["2025"] - 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2025"] - 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2025"] - 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  | 771 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Form | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | Patriot Act Form | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 77.38 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | **11946240** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 4475 | 12/22/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.510% |  | 9.250% | 9.250% | $2056.69 | No | REDACTED | REDACTED | $8406.96 | $700.58 | $0.00 | $0.00 | $7721.34 | $12190.16 |  | N/A |  |  | $0.00 |  |  | 28.06% | 35.30% | 35.30% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 84 | No | Yes | Yes | 6 | 12 | No | Yes | 0 | 0 | 42.45% | 50.00% | 50.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESCorp, Asset Depletion - Personal Bank Statements Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - SESCorp - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - ["2024","2025"] - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  | 796 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 2686433.23 | 220.4 | 2624343.58 | 215.3 | No | 77.63 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | **19637789** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 5355 | 12/29/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.845% |  | 9.500% | 9.500% | $1933.96 | No | REDACTED | REDACTED | $1143.60 | $95.30 | $0.00 | $0.00 | $3178.34 | $5875.46 |  | N/A |  |  | $0.00 |  |  | 7.40% | 7.29% | 7.29% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 50.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 36 | Yes | 36 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - ["2024","2025"] - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  | 721 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Form | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | Patriot Act Form | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 79.62 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | **17779833** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/02/2025 | 12.2.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 3290 | 12/29/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.831% |  | 8.375% | 8.375% | $760.07 | No | REDACTED | REDACTED | $614.04 | $51.17 | $0.00 | $0.00 | $1027.00 | $2236.35 |  | N/A |  |  | $0.00 |  |  | 31.28% | 31.49% | 31.49% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 36 | 36 | Other |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 1 Month Paystubs Verified, Written VOE Verified | Borrower | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 756 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | PATRIOT ACT FORM | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 94100.25 | 42.1 | No | 24.69 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **18646022** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  | REDACTED | Manual Underwriting | Manual Underwriting | No |  |  | 9.250% | 9.250% | $2623.27 | No | REDACTED | REDACTED | $5711.04 | $475.92 | $0.00 | $0.00 | $1955.30 | $6160.38 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.315 | 1.68 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  | 752 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 302780.15 | 49.2 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| REDACTED |  | **16898388** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  | REDACTED | Manual Underwriting | Manual Underwriting | No |  |  | 9.125% | 9.125% | $4271.57 | No | REDACTED | REDACTED | $5936.04 | $494.67 | $0.00 | $0.00 | $4268.10 | $9444.30 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.052 |  |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 745 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 20367.14 | 2.2 | No | 64.92 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **17763194** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  | REDACTED | Manual Underwriting | Manual Underwriting | No |  |  | 9.125% | 9.125% | $1964.92 | No | REDACTED | REDACTED | $3692.04 | $307.67 | $0.00 | $0.00 | $2781.86 | $6747.16 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.097 | 1.19 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  | 758 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 224263.03 | 33.2 | No | 69.87 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| REDACTED |  | **12066646** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 5448 | 12/29/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.055% |  | 9.625% | 9.625% | $1757.78 | No | REDACTED | REDACTED | $1557.72 | $129.81 | $0.00 | $0.00 | $4109.95 | $7062.54 |  | N/A |  |  | $0.00 |  |  | 43.76% | 43.76% | 43.76% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESCorp, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 710 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Form | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 79.73 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **10264232** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/02/2025 | 12.2.25 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A | 0 | 01/05/2026 | REDACTED | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 9.875% | 9.875% | $2526.89 | No | REDACTED | REDACTED | $7089.96 | $590.83 | $0.00 | $0.00 | $2634.69 | $6417.46 |  | N/A |  |  | $0.00 |  |  | 49.28% | 49.28% | 49.28% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 2 | 2 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 1 | 24 | Other | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Bonus, Other, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(K1), 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(K1), 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  | 711 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | PATRIOT ACT FORM | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Other | PATRIOT ACT INFORMATION | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 249762.89 | 38.9 | No | 79.86 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | **13952049** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  | REDACTED | Manual Underwriting | Manual Underwriting | No |  |  | 8.750% | 8.750% | $886.61 | No | REDACTED | REDACTED | $567.96 | $47.33 | $0.00 | $0.00 | $1108.42 | $2540.06 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.181 | 1.181 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 746 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | PATRIOIT ACT INFO | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 101767.78 | 40.1 | No | 74.73 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | REDACTED |  |  |  |
| REDACTED |  | **11441879** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 07/15/2025 | 7.15.25 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  | REDACTED | Manual Underwriting | Manual Underwriting | No |  |  | 9.875% | 9.875% | $2411.40 | No | REDACTED | REDACTED | $2098.92 | $174.91 | $0.00 | $0.00 | $1570.27 | $4505.96 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.165 |  |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 783 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | PATRIOT ACT FORM | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 262510.19 | 58.3 | No | 79.77 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **15573051** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/02/2025 | 12.2.25 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A | 0 | 01/05/2026 | REDACTED | Manual Underwriting | Manual Underwriting | No | 0.000% |  | 11.000% | 11.000% | $612.09 | No | REDACTED | REDACTED | $993.12 | $82.76 | $1523.52 | $126.96 | $971.20 | $2041.51 |  | N/A | REDACTED | REDACTED | $126.96 |  | Monthly | 49.41% | 48.49% | 48.49% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | Yes |  | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 6.08% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 108 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Retirement, SSI and Disability, Military and Government Assistance, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, 2 YRS Executed 4506T Verified, Award Letter Verified, Personal Bank Statements Verified, Lease Agreements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 704 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .03 | 0 | .03 | 0 | No | 79.69 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **19440774** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/02/2025 | 12.2.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1228.75 | 01/05/2026 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.033% |  | 7.375% | 7.375% | $625.67 | No | REDACTED | REDACTED | $1592.04 | $132.67 | $1380.00 | $115.00 | $678.62 | $1734.30 |  | N/A | REDACTED | REDACTED | $115.00 |  | Monthly | 17.72% | 17.72% | 17.72% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 209 | 36 | FNMA 1005 | Yes | 168 | 36 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  | 777 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 25.12 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | **15336942** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/02/2025 | 12.2.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 6683.86 | 01/05/2026 | REDACTED | Manual Underwriting | Manual Underwriting | No | 11.803% |  | 11.125% | 11.125% | $1365.80 | No | REDACTED | REDACTED | $3626.64 | $302.22 | $0.00 | $0.00 | $1462.97 | $3404.41 |  | N/A |  |  | $0.00 |  |  | 37.72% | 37.63% | 37.63% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 1 | 24 | Work Number | Yes | 1 | 24 | FNMA 1005 | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  | 666 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 38641.49 | 11.4 | No | 79.9 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | **16966195** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  | REDACTED | Manual Underwriting | Manual Underwriting | No |  |  | 9.250% | 9.250% | $2273.46 | No | REDACTED | REDACTED | $3692.04 | $307.67 | $0.00 | $0.00 | $946.71 | $4726.59 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.291 | 1.31 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  | 758 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 348832.29 | 73.8 | No | 70 | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| REDACTED |  | **14252905** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/02/2025 | 12.2.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 17145 | 01/05/2026 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.672% |  | 8.500% | 8.500% | $5766.85 | No | REDACTED | REDACTED | $6697.56 | $558.13 | $0.00 | $0.00 | $5075.88 | $12980.01 |  | N/A |  |  | $0.00 |  |  | 42.51% | 47.86% | 47.73% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 96 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2025"] - 2025 | Borrower - ["2025"] - 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 801 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | PATRIOT ACT FORM | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 244081.97 | 18.8 | No | 60.38 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | REDACTED |  |  |  |
| REDACTED |  | **16199191** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/02/2025 | 12.2.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 2164.8 | 01/05/2026 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.569% |  | 8.125% | 8.125% | $519.86 | No | REDACTED | REDACTED | $1481.04 | $123.42 | $1200.00 | $100.00 | $1798.25 | $3165.74 |  | N/A | REDACTED | REDACTED | $100.00 |  | Monthly | 42.36% | 42.36% | 42.36% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 3 | 2 | NA | NA | No | No | 60 | No | No | Yes | 0 | 0 | Yes | Yes | 6 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 199 | 24 | FNMA 1005 | Yes | 81 | 24 | Other | No | 0 |  | N/A | Borrower - Wage, Overtime - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - Wage, Asset Depletion - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Personal Bank Statements Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  | 775 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Enhanced Driver's License (MI, MN, NY, VT, WA) |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 64.43 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | REDACTED | REDACTED |  |  |
| REDACTED |  | **10932296** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/02/2025 | 12.2.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 2785 | 12/29/2025 | REDACTED | Manual Underwriting | Manual Underwriting | No | 7.839% |  | 7.500% | 7.500% | $699.21 | No | REDACTED | REDACTED | $2408.04 | $200.67 | $0.00 | $0.00 | $829.81 | $2444.44 |  | N/A |  |  | $0.00 |  |  | 30.58% | 27.84% | 27.84% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 2 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 1 | 24 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025","2023"] - 2024, 2025, 2023 | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2025","2023"] - 2024, 2025, 2023 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 788 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 96256.86 | 39.4 | No | 53.29 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **18266375** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/02/2025 | 12.2.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 2293.75 | 01/12/2026 | REDACTED | Manual Underwriting | Manual Underwriting | No | 7.975% |  | 7.875% | 7.875% | $2399.97 | No | REDACTED | REDACTED | $4007.28 | $333.94 | $3000.00 | $250.00 | $1519.49 | $4931.22 |  | N/A | REDACTED | REDACTED | $250.00 |  | Monthly | 27.54% | 24.98% | 24.98% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 2 | 2 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 60.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SEPartnership - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(K1), YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024"] - 2023, 2024 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(K1), 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024"] - 2023, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 744 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 322064.05 | 65.3 | No | 59.6 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **14058518** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/02/2025 | 12.2.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 2439.2 | 01/12/2026 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.207% |  | 8.625% | 10.250% | $613.03 | No | REDACTED | REDACTED | $3083.04 | $256.92 | $0.00 | $0.00 | $1345.37 | $2665.87 |  | N/A |  |  | $0.00 |  |  | 49.68% | 48.53% | 48.53% | No | No | 1 - Not Stated Not Verified |  | 5 - Stated, 2YRs Verified + CPA Letter |  | 3 - Stated, 3rd Party Verification |  | Not Employed | Not Employed | Employed |  | 2.84 |  | 2YR Full Doc | 0 | 1 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 | Yes | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SSI and Disability - 3 YRS Executed 4506T Verified, Award Letter Verified - ["2025"] - 2025 \|\| Co Borrower - SSI and Disability - 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, Award Letter Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower 2 - Wage, Overtime - 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2025"] - 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower 2 - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  | 738 | 731 | 762 | 738 |  |  |  | 738 |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 50174.77 | 18.8 | No | 64.06 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | Borrower As Individual | N/A |  |  |  |  |
| REDACTED |  | **14339146** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/02/2025 | 12.2.25 | REDACTED | QM: Rebuttable Presumption DTI (DTI RP) | Yes | No | No | N/A | N/A | 3041.63 | 01/12/2026 | REDACTED | Manual Underwriting | Manual Underwriting | No | 12.279% |  | 11.500% | 11.625% | $857.94 | No | REDACTED | REDACTED | $1728.00 | $144.00 | $0.00 | $0.00 | $1356.60 | $2640.79 |  | N/A |  |  | $0.00 |  |  | 41.37% | 41.76% | 41.76% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 665 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 1542.46 | 0.6 | No | 79.18 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **18195958** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/02/2025 | 12.2.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 5400 | 01/12/2026 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.997% |  | 8.500% | 8.500% | $1038.03 | No | REDACTED | REDACTED | $1591.08 | $132.59 | $1056.00 | $88.00 | $1383.44 | $2828.55 |  | N/A | REDACTED | REDACTED | $88.00 |  | Monthly | 49.14% | 47.73% | 47.73% | No | No |  |  |  |  |  |  | Not Employed | Not Employed |  |  |  |  | 1YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 1 | Yes | Yes | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Retirement, Retirement, SSI and Disability - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Award Letter Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Retirement, SSI and Disability - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified, Award Letter Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  | 703 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 6524.99 | 2.4 | No | 79.83 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | REDACTED | REDACTED |  |  |
| REDACTED |  | **12282255** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 3750 | 01/12/2026 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.924% |  | 9.625% | 9.625% | $1572.48 | No | REDACTED | REDACTED | $1916.04 | $159.67 | $0.00 | $0.00 | $1486.42 | $3637.70 |  | N/A |  |  | $0.00 |  |  | 47.87% | 46.89% | 46.89% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 51.00% | 49.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESCorp - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - SESCorp - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  | 715 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 57974.69 | 15.9 | No | 74.82 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | **13969390** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/02/2025 | 12.2.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 2461.23 | 01/12/2026 | REDACTED | Manual Underwriting | Manual Underwriting | No | 7.422% |  | 7.125% | 7.125% | $697.30 | No | REDACTED | REDACTED | $736.00 | $0.00 | $0.00 | $0.00 | $1023.71 | $2018.78 |  | N/A |  |  | $0.00 |  |  | 37.48% | 37.46% | 37.46% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 800 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 99424.63 | 51.8 | No | 55.36 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **17126027** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/02/2025 | 12.2.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1635 | 01/12/2026 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.108% |  | 9.000% | 9.000% | $1794.30 | No | REDACTED | REDACTED | $2645.64 | $220.47 | $0.00 | $0.00 | $2505.55 | $4743.74 |  | N/A |  |  | $0.00 |  |  | 45.18% | 43.62% | 43.62% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 1 | 24 | Work Number | Yes | 1 | 24 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage, Bonus, Overtime, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - Wage, Overtime - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  | 699 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 196254.14 | 41.4 | No | 77.18 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | **15311614** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 10842.15 | 01/12/2026 | REDACTED | Manual Underwriting | Manual Underwriting | No | 11.655% |  | 11.000% | 11.000% | $2252.24 | No | REDACTED | REDACTED | $1941.60 | $161.80 | $0.00 | $0.00 | $1927.21 | $4820.05 |  | N/A |  |  | $0.00 |  |  | 39.57% | 39.57% | 39.57% | No |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 2 | 0 |  |  | 3 | 2 | NA |  | No | No | 84 | No | Yes | Yes | 6 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SSI and Disability, Other, Asset Depletion - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Personal Bank Statements Verified - ["2023","2024"] - 2023, 2024 | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024"] - 2023, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 685 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 16899.43 | 3.5 | No | 79.66 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **13103459** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/02/2025 | 12.2.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 5548 | 01/19/2026 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.932% |  | 9.250% | 9.250% | $2780.87 | No | REDACTED | REDACTED | $2163.24 | $180.27 | $0.00 | $0.00 | $900.54 | $4311.30 |  | N/A |  |  | $0.00 |  |  | 28.11% | 28.52% | 28.52% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 761 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | PATRIOT ACT FORM | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 192794.81 | 44.7 | No | 79.94 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **11355738** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  | REDACTED | Manual Underwriting | Manual Underwriting | No |  |  | 9.125% | 9.125% | $1000.77 | No | REDACTED | REDACTED | $1722.00 | $143.50 | $0.00 | $0.00 | $1003.21 | $3045.34 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.511 | 1.51 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 709 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Passport |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 116971.00 | 38.4 | No | 69.79 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **11427001** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/02/2025 | 12.2.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 8295 | 01/19/2026 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.631% |  | 8.500% | 8.500% | $5766.85 | No | REDACTED | REDACTED | $3888.96 | $324.08 | $0.00 | $0.00 | $4685.99 | $12900.59 |  | N/A |  |  | $0.00 |  |  | 39.30% | 39.10% | 39.10% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 144 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2026","2025"] - 2026, 2025 | Borrower - ["2026","2025"] - 2026, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 790 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 280988.99 | 21.6 | 877222.75 | 67.3 | No | 79.2 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **19351859** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/02/2025 | 12.2.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 2290 | 01/26/2026 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.051% |  | 9.750% | 9.750% | $941.27 | No | REDACTED | REDACTED | $2321.04 | $193.42 | $0.00 | $0.00 | $1101.39 | $2577.37 |  | N/A |  |  | $0.00 |  |  | 41.92% | 41.70% | 41.70% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 40.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 72 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESCorp - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 667 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 105359.44 | 40.9 | No | 52.06 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **14195378** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/02/2025 | 12.2.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1594.33 | 01/26/2026 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.695% |  | 8.250% | 8.375% | $480.81 | No | REDACTED | REDACTED | $1182.96 | $98.58 | $0.00 | $0.00 | $1368.51 | $2396.95 |  | N/A |  |  | $0.00 |  |  | 38.93% | 38.88% | 38.88% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024"] - 2024 | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024"] - 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 770 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 15379.63 | 6.4 | No | 76.24 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **15953419** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/02/2025 | 12.2.25 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  | REDACTED | Manual Underwriting | Manual Underwriting | No |  |  | 9.500% | 9.500% | $1933.96 | No | REDACTED | REDACTED | $2304.36 | $192.03 | $0.00 | $0.00 | $3367.84 | $6339.59 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.01 | 1.01 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 756 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | PATRIOT ACT FORM | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 219900.45 | 34.7 | No | 69.01 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **11364264** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/02/2025 | 12.2.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 2020 | 01/26/2026 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.380% |  | 8.125% | 8.125% | $749.92 | No | REDACTED | REDACTED | $2413.68 | $201.14 | $0.00 | $0.00 | $871.26 | $2027.51 |  | N/A | REDACTED | REDACTED | $0.00 |  |  | 31.74% | 31.75% | 31.75% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | 2YR Full Doc | 1 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SSI and Disability, Retirement - 1 YR W2 1099 Verified, 3 YRS Executed 4506T Verified, Award Letter Verified - ["2025","2026"] - 2025, 2026 | Borrower - 3 YRS Executed 4506T Verified - ["2025","2026"] - 2025, 2026 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 756 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 73.25 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **10966072** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/02/2025 | 12.2.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 1760 | 02/02/2026 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.460% |  | 9.750% | 9.750% | $1150.78 | No | REDACTED | REDACTED | $3471.00 | $289.25 | $495.00 | $41.25 | $1787.90 | $3606.95 |  | N/A | REDACTED | REDACTED | $41.25 |  | Monthly | 28.28% | 28.28% | 28.28% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | 2YR Full Doc | 2 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Retirement - 2 YRS W2 1099 Verified, 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | Borrower - 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 686 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 24875.36 | 6.9 | No | 69.58 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **17777074** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/02/2025 | 12.2.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1500 | 02/02/2026 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.799% |  | 8.500% | 8.500% | $576.68 | No | REDACTED | REDACTED | $2841.96 | $236.83 | $3788.16 | $315.68 | $1577.05 | $2973.08 |  | N/A | REDACTED | REDACTED | $315.68 |  | Monthly | 47.34% | 47.34% | 47.34% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024"] - 2023, 2024 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024"] - 2023, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 782 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 72113.80 | 24.3 | No | 70.43 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **16668034** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/02/2025 | 12.2.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 9645 | 02/02/2026 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.936% |  | 8.875% | 8.875% | $4773.87 | No | REDACTED | REDACTED | $2931.96 | $244.33 | $4272.00 | $356.00 | $3565.99 | $10243.39 | $16119.52 | N/A | REDACTED | REDACTED | $356.00 |  | Monthly | 38.94% | 43.44% | 43.44% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 32 | 32 | Other |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Written VOE Verified, 3 YRS Executed 4506T Verified - ["2026","2025","2024"] - 2026, 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified - ["2026","2025","2024"] - 2026, 2025, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 734 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Form | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 57.24 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | REDACTED |  |  |  |
| REDACTED |  | **18511953** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/02/2025 | 12.2.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 4342.39 | 02/02/2026 | REDACTED | Manual Underwriting | Manual Underwriting | No | 11.187% |  | 10.625% | 10.625% | $1070.10 | No | REDACTED | REDACTED | $2077.08 | $173.09 | $549.96 | $45.83 | $1418.24 | $3194.10 | $3205.90 | N/A |  | REDACTED | $45.83 |  | Annually | 49.91% | 49.91% | 49.91% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 68 | 26 | Other |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified, Executed 4506T Verified - ["2026","2025","2024"] - 2026, 2025, 2024 | Borrower - Executed 4506T Verified - ["2026","2025","2024"] - 2026, 2025, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 681 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Missing |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 78920.74 | 27 | No | 73.48 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **19360186** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  | REDACTED | Manual Underwriting | Manual Underwriting | No |  |  | 8.625% | 8.625% | $1235.99 | No | REDACTED | REDACTED | $16999.08 | $1416.59 | $0.00 | $0.00 | $3437.88 | $7191.50 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.001 | 1 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 702 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Passport |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 145461.91 | 20.2 | No | 53.21 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **18272113** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/02/2025 | 12.2.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 5295 | 02/02/2026 | REDACTED | Manual Underwriting | Manual Underwriting | No | 12.191% |  | 11.875% | 11.875% | $1538.69 | No | REDACTED | REDACTED | $2313.96 | $192.83 | $0.00 | $0.00 | $2962.78 | $5706.71 |  | N/A |  |  | $0.00 |  |  | 37.27% | 37.14% | 37.14% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 132 | 25 | Other |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Bonus - Written VOE Verified - ["2026","2025","2024"] - 2026, 2025, 2024 | Borrower - ["2026","2025","2024"] - 2026, 2025, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 722 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Form | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 84.93 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **17435810** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/02/2025 | 12.2.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 12940 | 02/02/2026 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.324% |  | 8.125% | 8.125% | $5568.73 | No | REDACTED | REDACTED | $11242.20 | $936.85 | $0.00 | $0.00 | $4738.00 | $14912.24 |  | N/A |  |  | $0.00 |  |  | 36.52% | 36.74% | 36.74% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2026","2025"] - 2026, 2025 | Borrower - ["2026","2025"] - 2026, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 802 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Form | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 39.23 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **12352315** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/02/2025 | 12.2.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 495 | 02/02/2026 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.993% |  | 8.875% | 8.875% | $855.06 | No | REDACTED | REDACTED | $773.64 | $64.47 | $0.00 | $0.00 | $1105.87 | $2433.35 |  | N/A |  |  | $0.00 |  |  | 7.61% | 7.24% | 7.24% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2025"] - 2025 | Borrower - ["2025"] - 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 727 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 104223.22 | 42.8 | No | 74.65 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **13581137** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/02/2025 | 12.2.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 5945 | 02/02/2026 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.449% |  | 10.250% | 10.250% | $3584.41 | No | REDACTED | REDACTED | $5180.04 | $431.67 | $3240.00 | $270.00 | $8864.60 | $13774.51 |  | N/A | REDACTED | REDACTED | $270.00 |  | Annually | 47.58% | 47.64% | 47.64% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 226 | 25 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Bonus, Other REO Net Rental Income(Loss) - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS IRS Transcripts Verified - ["2026","2025","2024"] - 2026, 2025, 2024 | Borrower - 2 YRS IRS Transcripts Verified - ["2026","2025","2024"] - 2026, 2025, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 661 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 1210106.78 | 88.8 | 1210106.78 | 88.8 | No | 68.29 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **13724874** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/02/2025 | 12.2.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 9103.6 | 02/02/2026 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.358% |  | 7.875% | 7.875% | $1566.15 | No | REDACTED | REDACTED | $1147.80 | $95.65 | $0.00 | $0.00 | $2143.44 | $4730.87 |  | N/A |  |  | $0.00 |  |  | 36.67% | 36.60% | 36.60% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 37 | 26 | Other |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified - ["2025","2024","2026"] - 2025, 2024, 2026 | Borrower - ["2025","2024","2026"] - 2025, 2024, 2026 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 784 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Missing |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 2017.07 | 0.4 | 206267.97 | 43.6 | No | 68.59 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **19428162** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 09/10/2025 | 9.10.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 4045 | 02/09/2026 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.617% |  | 8.500% | 8.375% | $3298.63 | No | REDACTED | REDACTED | $5291.04 | $440.92 | $0.00 | $0.00 | $2986.15 | $8427.01 |  | N/A |  |  | $0.00 |  |  | 11.92% | 12.29% | 12.29% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 283 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower | Borrower - ["2025","2024"] - 2025, 2024 \|\| Co Borrower | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  | 764 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Passport |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 79.69 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | **15642231** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/02/2025 | 12.2.25 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  | REDACTED | Manual Underwriting | Manual Underwriting | No |  |  | 9.250% | 9.250% | $2797.10 | No | REDACTED | REDACTED | $3463.80 | $288.65 | $0.00 | $0.00 | $5051.75 | $9862.51 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.019 | 1.018 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  | 784 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Passport |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | N/A |  |  | US Citizen | US Citizen | N/A | Passport |  | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 104666.85 | 10.6 | 441627.04 | 44.8 | No | 67.45 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A | REDACTED | REDACTED |  |  |
| REDACTED |  | **15306482** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/02/2025 | 12.2.25 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  | REDACTED | Manual Underwriting | Manual Underwriting | No |  |  | 9.250% | 9.250% | $515.82 | No | REDACTED | REDACTED | $3739.92 | $311.66 | $0.00 | $0.00 | $809.69 | $2070.92 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.014 | 1 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 758 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 58191.42 | 27.4 | No | 69.65 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **11299132** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/02/2025 | 12.2.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 6607.5 | 02/09/2026 | REDACTED | Manual Underwriting | Manual Underwriting | No | 11.487% |  | 10.875% | 10.875% | $1480.34 | No | REDACTED | REDACTED | $3699.60 | $308.30 | $500.04 | $41.67 | $3982.79 | $6742.00 |  | N/A | REDACTED | REDACTED | $41.67 |  | Annually | 46.79% | 48.77% | 48.77% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment |  |  |  |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 29 | 26 | Other |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - null W2 1099 Verified, null Paystubs Verified, Written VOE Verified - ["2026","2025","2024"] - 2026, 2025, 2024 | Borrower - ["2026","2025","2024"] - 2026, 2025, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 668 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 148718.21 | 22.1 | No | 69.78 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **17701313** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/02/2025 | 12.2.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 3170.84 | 02/09/2026 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.067% |  | 7.625% | 7.625% | $605.16 | No | REDACTED | REDACTED | $1092.96 | $91.08 | $0.00 | $0.00 | $1058.63 | $2061.15 |  | N/A |  |  | $0.00 |  |  | 33.82% | 33.75% | 33.75% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 1 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 1 | 24 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2026"] - 2025, 2024, 2026 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2026"] - 2025, 2024, 2026 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 746 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 559.98 | 0 | No | 55.26 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **11576164** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/02/2025 | 12.2.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1730 | 02/09/2026 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.162% |  | 8.125% | 8.125% | $4521.81 | No | REDACTED | REDACTED | $3780.00 | $315.00 | $3588.00 | $299.00 | $5227.85 | $12135.12 |  | N/A | REDACTED | REDACTED | $299.00 |  | Monthly | 40.34% | 42.79% | 42.79% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 1 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 1 | Yes |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 324 | 26 | Other |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified, Award Letter Verified - ["2026","2025","2024"] - 2026, 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified, IRS Transcripts Verified - ["2026","2025","2024"] - 2026, 2025, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 720 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 108625.33 | 9 | 108625.33 | 9 | No | 69.96 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **10487336** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/02/2025 | 12.2.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1500 | 02/09/2026 | REDACTED | Manual Underwriting | Manual Underwriting | No | 7.705% |  | 7.625% | 7.625% | $1769.48 | No | REDACTED | REDACTED | $4883.16 | $406.93 | $0.00 | $0.00 | $2877.03 | $6659.88 |  | N/A |  |  | $0.00 |  |  | 25.33% | 17.10% | 17.10% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 2 | 2 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 100.00% | 50.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 48 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SEPartnership - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(K1), CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(K1), 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 770 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 245879.10 | 36.9 | No | 66.26 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **13435420** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/02/2025 | 12.2.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 3493.6 | 02/09/2026 | REDACTED | Manual Underwriting | Manual Underwriting | No | 12.352% |  | 11.750% | 11.750% | $1137.89 | No | REDACTED | REDACTED | $957.00 | $79.75 | $0.00 | $0.00 | $1283.13 | $2703.54 |  | N/A |  |  | $0.00 |  |  | 32.69% | 32.68% | 32.68% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 3 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 48 | 25 | FNMA 1005 | Yes | 237 | 25 | Other | No | 0 |  | N/A | Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - ["2026","2025","2024"] - 2026, 2025, 2024 \|\| Co Borrower - Wage, Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - ["2026","2025","2024"] - 2026, 2025, 2024 | Borrower - 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - ["2026","2025","2024"] - 2026, 2025, 2024 \|\| Co Borrower - 2 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified - ["2026","2025","2024"] - 2026, 2025, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  | 722 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 89.78 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | **13373315** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/02/2025 | 12.2.25 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  | REDACTED | Manual Underwriting | Manual Underwriting | No |  |  | 8.500% | 8.500% | $768.91 | No | REDACTED | REDACTED | $1079.04 | $89.92 | $0.00 | $0.00 | $1143.52 | $2525.03 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.188 | 1 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 764 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Missing |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 94059.94 | 37.3 | No | 20.02 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **10398416** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/02/2025 | 12.2.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 795 | 02/09/2026 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.292% |  | 8.250% | 8.250% | $2028.42 | No | REDACTED | REDACTED | $1766.16 | $147.18 | $0.00 | $0.00 | $1763.60 | $4470.12 |  | N/A |  |  | $0.00 |  |  | 36.18% | 36.24% | 36.24% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2026","2025"] - 2026, 2025 | Borrower - ["2026","2025"] - 2026, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 797 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Form | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 73.82 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **18930469** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/02/2025 | 12.2.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 1595 | 02/16/2026 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.341% |  | 8.250% | 8.250% | $3093.00 | No | REDACTED | REDACTED | $3177.96 | $264.83 | $386.04 | $32.17 | $2581.13 | $6749.74 |  | N/A | REDACTED | REDACTED | $32.17 |  | Monthly | 40.21% | 40.23% | 40.23% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, 3 YRS Executed 4506T Verified - ["2025"] - 2025 | Borrower - 3 YRS Executed 4506T Verified - ["2025"] - 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 746 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 2423.08 | 0.4 | No | 67.26 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **16032430** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/02/2025 | 12.2.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 5880 | 02/16/2026 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.433% |  | 9.250% | 9.250% | $3290.70 | No | REDACTED | REDACTED | $3369.12 | $280.76 | $0.00 | $0.00 | $3372.83 | $7933.67 |  | N/A |  |  | $0.00 |  |  | 38.67% | 38.88% | 38.88% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 109 | 25 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2026","2025","2024"] - 2026, 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2026","2025","2024"] - 2026, 2025, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 660 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 67.32 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **12274404** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/02/2025 | 12.2.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 4602.5 | 02/23/2026 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.339% |  | 8.000% | 8.000% | $1210.71 | No | REDACTED | REDACTED | $1791.00 | $149.25 | $0.00 | $0.00 | $2187.40 | $4258.50 | $29079.05 | N/A |  |  | $0.00 |  |  | 45.48% | 45.32% | 45.32% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - ["2026","2025"] - 2026, 2025 | Borrower - ["2026","2025"] - 2026, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 721 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Form | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 54.37 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | REDACTED |  |  |  |
| REDACTED |  | **11301210** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/02/2025 | 12.2.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 3780 | 02/23/2026 | REDACTED | Manual Underwriting | Manual Underwriting | No | 10.068% |  | 9.500% | 9.500% | $891.31 | No | REDACTED | REDACTED | $1826.52 | $152.21 | $0.00 | $0.00 | $1914.91 | $3801.66 |  | N/A |  |  | $0.00 |  |  | 40.11% | 40.20% | 40.20% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | Tax Preparer |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2026","2025"] - 2026, 2025 | Borrower - ["2026","2025"] - 2026, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 695 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 83468.47 | 22 | No | 58.02 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **18779112** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/02/2025 | 12.2.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 4970 | 02/16/2026 | REDACTED | Manual Underwriting | Manual Underwriting | No | 8.849% |  | 8.250% | 8.250% | $863.96 | No | REDACTED | REDACTED | $1875.96 | $156.33 | $0.00 | $0.00 | $1899.76 | $3689.91 |  | N/A |  |  | $0.00 |  |  | 24.20% | 26.66% | 26.66% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, Balance Sheet Verified - ["2025","2026"] - 2025, 2026 | Borrower - ["2025","2026"] - 2025, 2026 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 717 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Form | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 45.96 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **14888390** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/02/2025 | 12.2.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | 3080.8 | 02/23/2026 | REDACTED | Manual Underwriting | Manual Underwriting | No | 12.016% |  | 11.250% | 11.250% | $641.03 | No | REDACTED | REDACTED | $4656.96 | $388.08 | $440.04 | $36.67 | $1319.62 | $2682.58 |  | N/A | REDACTED | REDACTED | $36.67 |  | Annually | 41.50% | 41.50% | 41.50% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 2 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 167 | 26 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Overtime, Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2026","2025","2024"] - 2026, 2025, 2024 | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2026","2025","2024"] - 2026, 2025, 2024 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 678 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 74.37 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **17464862** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/02/2025 | 12.2.25 | REDACTED | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 5815 | 02/23/2026 | REDACTED | Manual Underwriting | Manual Underwriting | No | 9.761% |  | 9.250% | 9.250% | $1234.01 | No | REDACTED | REDACTED | $3092.28 | $257.69 | $1140.00 | $95.00 | $1551.50 | $3648.72 |  | N/A | REDACTED | REDACTED | $95.00 |  | Monthly | 41.17% | 41.32% | 41.32% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  |  | Yes | 72 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2026","2025"] - 2026, 2025 | Borrower - ["2026","2025"] - 2026, 2025 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 723 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Form | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 72.3 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **14596849** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/02/2025 | 12.2.25 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  | REDACTED | Manual Underwriting | Manual Underwriting | No |  |  | 10.625% | 10.625% | $739.27 | No | REDACTED | REDACTED | $2455.20 | $204.60 | $0.00 | $0.00 | $1279.78 | $3334.68 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% |  |  |  |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.155 | 1.152 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified \|\| Co Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  | 743 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 72771.23 | 21.8 | No | 47.97 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| REDACTED |  | **10591874** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/02/2025 | 12.2.25 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  | REDACTED | Manual Underwriting | Manual Underwriting | No |  |  | 9.125% | 9.125% | $630.91 | No | REDACTED | REDACTED | $843.96 | $70.33 | $0.00 | $0.00 | $895.63 | $2089.20 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.005 | 1 | N/A | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 794 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 74.68 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| REDACTED |  | **17726070** | REDACTED | REDACTED | REDACTED | No | REDACTED | REDACTED | 12/02/2025 | 12.2.25 | REDACTED | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  | REDACTED | Manual Underwriting | Manual Underwriting | No |  |  | 8.750% | 8.750% | $983.38 | No | REDACTED | REDACTED | $1176.84 | $98.07 | $360.00 | $30.00 | $1405.37 | $2746.99 |  | N/A | REDACTED | REDACTED | $30.00 |  | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  |  | 0 |  |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.001 |  | N/A | Borrower - N/A - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  | 756 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Form | REDACTED | REDACTED | REDACTED |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 69.86 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |

---

## Exhibit 99.7

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.7 - Schedule 6**

---

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| **Loan ID** | **Seller Loan ID** | **EDGAR ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| REDACTED |  | **10326533** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1025 Small Residential Income Report | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **15058105** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **17278618** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **12318729** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | AVM |  |  |  | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **18833880** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | **10949718** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | **13432267** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | LOW | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | **18796706** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | AVM |  |  |  | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **13923313** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **18953028** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **17501895** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **15796999** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **10550816** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1025 Small Residential Income Report | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | Moderate Risk | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **16702977** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | **13934482** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | **12550881** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | **10311008** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | **12825225** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **13224521** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | -.0764 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | **15797266** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **15932688** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1073 Individual Condo Report | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | **17284746** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | Low Risk | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **13265383** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | **14091423** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **11868703** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **12677363** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **10723717** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **17361516** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | **17489220** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1073 Individual Condo Report | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | LOW | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | **15111630** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **18086704** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | **11816576** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **13407506** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | Moderate Risk | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **10026561** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **16238301** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | Low | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **14496648** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | Low Risk | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **11981206** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | **12037112** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **17045398** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | AVM |  |  |  | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **16958668** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **13936667** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1025 Small Residential Income Report | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **17687060** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | **16136396** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | AVM |  |  |  | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **19044116** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **11946240** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **19637789** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0473 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **17779833** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **18646022** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1025 Small Residential Income Report | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | **16898388** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | LOW | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | **17763194** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1025 Small Residential Income Report | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | **12066646** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | Moderate Risk | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **10264232** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | **13952049** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | **11441879** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | Desk Review |  |  |  | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0414 | REDACTED | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **15573051** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | AVM |  |  |  | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **19440774** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **15336942** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | **16966195** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1025 Small Residential Income Report | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | **14252905** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | REDACTED | REDACTED |
| REDACTED |  | **16199191** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | AVM |  |  |  | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **10932296** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | AVM |  |  |  | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | **18266375** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | AVM |  |  |  | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | **14058518** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | Moderate | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **14339146** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | AVM |  |  |  | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **18195958** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | AVM |  |  |  | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **12282255** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **13969390** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | AVM |  |  |  | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **17126027** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **15311614** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | LOW | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **13103459** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **11355738** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1025 Small Residential Income Report | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | Moderate | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **11427001** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **19351859** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | **14195378** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | AVM |  |  |  | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **15953419** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1025 Small Residential Income Report | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | LOW | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **11364264** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | AVM |  |  |  | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **10966072** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **17777074** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **16668034** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0344 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **18511953** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **19360186** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1025 Small Residential Income Report | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | -.0333 | REDACTED | MODERATE | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **18272113** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | -.0407 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **17435810** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | Low Risk | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **12352315** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | -.0361 | REDACTED | MODERATE | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **13581137** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **13724874** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0533 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **19428162** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **15642231** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1025 Small Residential Income Report | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | LOW | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **15306482** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **11299132** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | -.0114 | REDACTED | Moderate | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **17701313** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **11576164** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **10487336** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **13435420** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **13373315** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **10398416** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **18930469** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **16032430** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | AVM |  |  |  | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **12274404** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **11301210** | REDACTED | REDACTED |  | REDACTED | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED |
| REDACTED |  | **18779112** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | -.0109 | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **14888390** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | Moderate Risk | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **17464862** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **14596849** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1025 Small Residential Income Report | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| REDACTED |  | **10591874** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | AVM |  |  |  | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| REDACTED |  | **17726070** | REDACTED | REDACTED |  | 0 | REDACTED | REDACTED | 1004 URAR | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | REDACTED | REDACTED | .0000 | REDACTED | Low Risk | REDACTED |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.8

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.8**

![](ex998001.jpg)

VSTA 2026-CES2 <br>Vista Point Mortgage, LLC

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Opus Capital Markets Consultants, LLC

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5718 Westheimer Road – Suite 1000 \| Houston, TX 77057\| <u>www.opuscmc.com</u> \| 224.632.1300<br>

**Executive Narrative**

**April 10, 2026**

**Performed by**

**Opus Capital Markets Consultants, LLC**

**For**

**Vista Point Mortgage, LLC**

The report summarizes the results of a due diligence review performed on a pool of twenty-four (24) loans provided by Vista Point Mortgage, LLC ("Client") who provided Opus Capital Markets Consultants, LLC ("Consultant") with a data tape, from which 100% of the loan sample was chosen and loaded into the LauraMac underwriting software. Consultant performed a detailed valuation, compliance and credit review of all loans.

As detailed herein, the pool contains twenty-four (24) Closed End Second loans, of which twenty-one (21) were NQM and three (3) ATR/QM: Exempt - DSCR loans, and were re-underwritten in accordance with the lender guidelines in terms of Exhibit A.

EXHIBIT A

**Closed End Second**

**Credit Qualification**

A re-underwriting review will be conducted in order to verify that the requisite underwriting guidelines as specified by Client (the "Guidelines") are met. Confirmation of the loan terms will be performed through recalculation and review of documentation contained in the loan file provided to the Consultant. The Credit Qualification review will consist of the following:

&nbsp;&nbsp;&nbsp;&nbsp;a) **Guidelines:** Determine whether each mortgage loan meets the requisite guideline requirements as
 specified by the Client. In lieu of specific requirements, Consultant should consider
 Regulation Z including Appendix Q if applicable. If the loan pre-dates the requirements
 of Regulation Z and Appendix Q, Consultant will consider Fannie Mae's Single-Family
 guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;b) **Employment:** Review the file documentation for minimum required level of employment, income and
 asset verifications pursuant to Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;c) **Income:** Recalculate borrower(s) monthly gross income and verify calculations of income as
 used by the original loan underwriter at origination to determine compliance with the
 Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;d) **Assets:** Confirm the presence of adequate asset documentation to comply with the Client provided
 underwriting guideline requirements for closing funds, reserves and borrower liquidity.

&nbsp;&nbsp;&nbsp;&nbsp;e) **Debt Ratio:** Recalculate the debt-to-income ratio and verify the ratio accuracy used by
 the loan underwriter at origination to determine compliance with Client provided underwriting
 guidelines and regulatory requirements.

&nbsp;&nbsp;&nbsp;&nbsp;f) **Property Valuation:** Analyze all appraisals and alternative value tools used to qualify the
 loan for integrity of comparable sales, completeness of data, eligibility of the appraiser
 and reasonableness of estimated value. Review the appraisal to determine the appraisal(s)
 meet the requirements of Client provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;g) **Loan-to-Value Ratio:** Recalculate and verify the loan-to-value ratio and combined loan-to-value
 ratio were accurate at origination and meet Client provided underwriting guideline and
 regulatory requirements.

&nbsp;&nbsp;&nbsp;&nbsp;h) **Credit History:** Review the credit report to verify that the borrower(s) demonstrate adequate
 credit depth to comply with the Client provided underwriting guideline requirements.

&nbsp;&nbsp;&nbsp;&nbsp;i) **Credit Scores**: Verify that borrower(s) meet minimum credit score requirements of the Client
 provided underwriting guidelines.

&nbsp;&nbsp;&nbsp;&nbsp;j) **Compensating Factors:** Verify exceptions to the Client provided underwriting guidelines are documented
 and reasonable.

**Document Review**

A review of each loan file will be performed to confirm the presence of material documentation as applicable to the specifics of the loan transaction. The Document Review will consist of the following:

**a) Collateral Docs**

● Title Commitment / Policy: Verify the presence of the title commitment or final title policy. Confirm vested parties and the description of the property, liens and tax assessments.

● Mortgage Note / Security Instrument: Verify the presence of the mortgage note or security instrument. Confirm that the document has been executed by all borrowers and that all riders, addendums and endorsement are present and duly executed.

● Mortgage / Deed of Trust: Verify the presence of a copy Mortgage or Deed of Trust. Confirm that the documents have been executed by all required parties and that all riders, addendums and exhibits are present and duly executed. If the loan closed within 12 months of the review, Consultant will confirm the presence of a letter from the title company specifying the date the Mortgage / Deed Trust was sent for recording. If the closing did not occur within 12 months of the review and a copy of the recorded Mortgage /Deed of Trust is not contained in the loan file, the Client will submit a report from an independent document custodian verifying the presence of a recoded mortgage or a stamped / signed copy of the document stating the date the document was sent for recording.

● Conveyance Deed: Verify as applicable that a proper conveyance deed is present in the loan file. Confirm the proper transfer of ownership interest of the subject parties is detailed on the deed.

**b) Closing Docs**

● Final Hud-1 Settlement Statement: If required, verify the presence of a final HUD-1. Verify the completeness of required data and signatures or certification depending upon state compliance requirements.

● Final Truth-in-Lending Disclosure: If required, verify the presence of a final Truth-in-Lending Disclosure. Verify the completeness of required data and that all required signatures are present.

● Notice of Right to Cancel: If required based on the specifics of the loan transaction, confirm the presence and required execution of the Notice of Right to Cancel.

● Loan Estimate: If required verify the presence of the current Loan Estimate (LE) at the time of origination

● Closing Disclosure: If required verify the presence of the current Closing Disclosure (CD) at the time of origination.

**c) Credit Docs**

● Loan Application: Verify the presence and completeness of both the initial and final loan applications.

● Underwriting Worksheet: Verify the presence of the relative underwriting worksheet i.e. form 1008, FHA MCAW and VA's Loan Analysis.

● Credit Report: Verify the presence of a credit report for each borrower. Confirm that the credit report was pulled within the timing requirements allowable per the Client provided underwriting guidelines.

● Housing Payment History: In the absence of housing payment histories on the borrower(s) credit report(s), verify that that the file contains a verification of rent or a verification of mortgage form.

● Letters of Explanation: When Letters of Explanation are required by the Client provided underwriting guidelines, verify the presence of any such letters exist in the loan file.

● Gift Letters: When Gift Letters are required by the Client provided underwriting guidelines, verify the presence of any such letters exist in the loan file.

● Income Documentation: Verify the presence of income and employment related documentation required by the Client provided underwriting guidelines for all borrowing parties contributing income to the debt ratio calculation.

● Asset Documentation: Verify the presence of asset documentation required by the Client provided underwriting guidelines in the loan file.

● Property Valuation Tools: Verify that each loan file contains adequate appraisal and other third-party valuation tools to satisfy the minimum required documentation under the relative Client provided underwriting guidelines.

● Proof of Insurance: Verify the presence of insurance certificates for mortgage, hazard, and flood insurance on an as needed basis depending upon the specifics of the loan. Confirm that adequate coverage is present to meet the requirements of the Client provided underwriting guidelines.

**Regulatory Compliance**

For each Mortgage Loan, Consultant shall determine, to the extent possible and subject to caveats below, whether such Mortgage Loan at the time of origination complied with:

1. The
 "material"<sup>2</sup> disclosure requirements of the federal Truth-in-Lending
 Act ("TILA"), as amended by the Home Ownership and Equity Protection Act
 ("HOEPA") and Dodd-Frank, 15 U.S.C. § 1601 *et seq.* and implemented
 by Regulation Z, 12 C.F.R. Part 1026, including the material provisions relating to Higher-Priced
 Mortgage Loans in Regulation Z, 12 C.F.R. §§ 1026.35, and the early TIL disclosure
 provisions of the Mortgage Disclosure Improvement Act ("MDIA"), as implemented
 by Regulation Z, 12 C.F.R. §§ 1026.17 et seq; and as amended by the TILA-RESPA
 Integrated Disclosure ("TRID") Rule, as set forth below:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. For
 Right of Rescission

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. A
 review of the Notice of Right to Cancel, including a verification of the transaction
 date and expiration date, ensuring proper execution of the Notice of Right to Cancel
 by all required parties, verifying the disbursement date and determining if a full three
 (3) day rescission period was adequately provided to the borrower(s).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. This
 review is also to be performed on transactions that are exempt from the rescission requirement
 but on which a Notice of Right to Cancel was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. A
 condition must be placed if the transaction is a refinance by the original creditor and
 the borrower was provided the Form H-8 rescission notice. Consultant will note in the
 condition whether there was a new advance that is subject to rescission per TILA/Regulation
 Z.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. For
 TILs (Application Dates prior to 10/3/2015)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm
 the initial TIL disclosure and final TIL disclosures were provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Review
 and compare the initial and final TIL, and any re-disclosed TIL(s), with a report outlining
 any TILA violations, including a recalculation of disclosed finance charge, proper execution
 by all required parties, principal and interest calculations, proper completion of the
 interest rate and payment summary, recalculation of disclosed APR, and a review to determine
 disclosure differences were within the allowed tolerances and disclosures were provided
 within the required timeframes;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. For
 TRID Disclosures (Application Dates on or after 10/3/2015)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm
 the initial Loan Estimate (LE) was delivered within three (3) business days of application
 and seven (7) business days prior to consummation in accordance with Client's Underwriting
 Guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Review
 the required sections of each LE to ensure they were populated in accordance with the
 TRID Rules. (If the file reflects more than one LE was provided, each revised LE must
 have corresponding Change of Circumstance documentation. The 0% and 10% fee tolerance
 evaluations will be based on the fee amounts disclosed on the initial LE and any valid
 changes documented and disclosed after the initial LE;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Confirm
 the Closing Disclosure (CD) confirm the borrower received the initial CD at least three
 (3) business days prior to consummation;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Review
 the required sections of each CD to ensure they were populated in accordance with the
 TRID Rules. (Any fee tolerance issues to be cured at closing or within 60 days of loan
 consummation.)

2. Section
 4 of the Real Estate Settlement Procedures Act ("RESPA"), 12 U.S.C. §2603
 and 2604, as implemented by Regulation X, 12 C.F.R. Part 1024, and as amended by the
 TRID Rule;

3. The
 disclosure requirements and prohibitions of Section 50(a)(6), Article XVI of the Texas
 Constitution;

4. Confirmation
 that one of the following are in the loan file, per the Fair Credit Reporting Act: Consumer
 Credit Score Disclosure, Your Credit Score and the Price You Pay for Credit, or Notice
 to Home Loan Applicant;

5. Sections
 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act ("Dodd-Frank")
 amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43: the general Ability
 to Repay underwriting standards (12 C.F.R. 1026.43(c)); refinancing of non-standard mortgages
 (12 C.F.R. 1026.43(d)); Qualified Mortgages (12 C.F.R. 1026.43(e) (including qualified
 mortgages as defined by the Department of Housing and Urban Development (24 C.F.R. 201
 and 203 et seq.) and the Department
 of Veterans Affairs (38 C.F.R. Part 36 et seq.; and Balloon-payment qualified mortgages
 made by certain creditors (12 C.F.R. 1026.43(f)) In accordance with "Ability to
 Repay and Qualified Mortgage Review" description below;

------

<sup>2</sup> These "material" disclosures include the required disclosures of the APR, the finance charge, the amount financed, the total number of payments, the payment schedule, *and* if the loan is subject to the Homeownership and Equity Protection Act ("HOEPA"), the disclosure requirements and prohibitions of that statute which are set forth in 12 C.F.R. §§ 1026.32(c) and (d).

6. The
 Loan Originator Compensation and Prohibitions on Steering provisions of TILA, as implemented
 by Regulation Z, 12 C.F.R 1026.36;

7. The
 requirements for Higher-Price Mortgage Loans, as implemented by Regulation Z, 12 C.F.R.
 1026.35;

8. The
 appraisal and valuation requirements of TILA, as implemented by Regulation Z, 12 C.F.R.
 1026.35;

9. The
 counseling requirements of TILA, as implemented by Regulation Z, 12 C.F.R. 1026.36(k)
 and RESPA, as implemented by Regulation X, 12 C.F.R. 1024.20;

&nbsp;&nbsp;&nbsp;&nbsp;10. The
 escrow requirements of RESPA, as implemented by Regulation X, 12 C.F.R 1024.17;

11. The
 disclosure requirements and prohibitions of any applicable state, county and municipal
 laws and ordinances, as amended, that have been enacted to regulate so-called "predatory
 lending":

12. Consultant
 shall confirm that any mortgage property located in an area identified on a flood hazard
 map or flood insurance rate map issued by the Federal Emergency Management Agency as
 having special flood hazards is subject to a qualified flood insurance policy that appears
 to be is in effect.

13. For
 any loans designated as TILA exemption, Consultant shall review the loan file for evidence
 that the primary purpose of the loan was for commercial or business purposes, including,
 but not limited to a business purpose certification.

&nbsp;&nbsp;&nbsp;&nbsp;14. Documentation.
 Review of the following documents for regulatory compliance:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Final
 HUD-1 Settlement Statement ("HUD-1"), if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If
 the loan is in an escrow state, the HUD-1 will be considered final as follows:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A. HUD-1
 is marked Final;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If
 HUD-1 is not marked Final, it must be stamped certified by the closing agent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. There
 should be no markings indicating that the HUD-1 is estimated.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;B. HUD-1
 is signed by all parties (including closing agent) or stamped certified by the closing
 agent; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C. If
 HUD-1 is stamped, the HUD-1 / stamp should be signed or initialed by the closing agent;
 if the stamp does not contain the signature or initials, it must identify the name of
 the closing agent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Final
 Truth in Lending Disclosure ("TIL"), if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Loan
 Estimate, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 Loan Estimate in will be considered delivered based on the date issued, subject to the
 three-day mailing rule unless the file contains documentation indicating earlier receipt.
 The loan file may contain one or more Loan Estimates with the latest one provided up
 until three business days prior to the issuance of an initial Closing Disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Closing
 Disclosure, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 Closing Disclosure in the loan file will be considered delivered based on the date issued,
 subject to the three-day mailing rule unless the file contains documentation indicating
 earlier receipt. The loan file may contain one or more Closing Disclosures with the latest
 one provided up until the consummation date being considered the Final with any delivered
 post consummation considered as a corrected Closing Disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Notice
 of Right to Cancel (if applicable)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Initial
 TIL, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Good
 Faith Estimate ("GFE"), if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Note

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Mortgage/Deed
 of Trust

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. FACTA
 disclosures

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. Third
 Party Fees

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Third
 party fees on the HUD-1 or Closing Disclosure if applicable referred to as HUD-1/Closing
 Disclosure, must be shown as paid to the third-party provider. A condition must be set
 if a third-party fee is paid to the lender, investor, etc. or the payee is blank.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. CONSULTANT
 will condition for evidence in the file indicating that a charge on the HUD-1/Closing
 Disclosure exceeds the actual cost to the borrower (i.e. cost printed / stamped on the
 face of the document showing an amount less than the charge on the HUD-1/Closing Disclosure).
 Variations of less than $1 are deemed to be within reasonable limits and are not to be
 reported.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Any
 refunds that are provided to the borrower must be accompanied by a revised HUD-1/Closing
 Disclosure to show the final, accurate charges to the borrower.

Each loan reviewed will be assigned a Compliance condition grade in accordance with the Rating Agency Criteria as more fully described in Section 2(f).

Consultant will not make a determination as to whether the loans comply with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated above. Furthermore, the findings reached by Consultant are dependent upon its receipt of complete and accurate data regarding the loans from loan originators and other third parties upon which Consultant is relying in reaching such findings.

**<u>Ability to Repay and Qualified Mortgage Review</u>**

1.  **<u>For Agency Eligible Loans Only</u>** : Consultant reviews applicable loans for compliance
 with the Qualified Mortgage (QM) rule requirements set forth in Regulation Z (12 C.F.R.
 1026.43 et seq.) based upon the loan's designation (Safe Harbor QM, Rebuttable
 Presumption QM, Exempt). Consultant determines the loan's status under the QM rule
 requirements and assigns a due diligence loan designation. Consultant notes as a material
 exception if the due diligence findings do not confirm the same loan designation. Additionally,
 Consultant notes if a loan designation was not provided. Consultant will verify if each
 loan meets the requirements for a QM under § 1026.43(e)(2)—whether the loan
 is a safe harbor QM under § 1026.43(e)(1)(i) or a rebuttable presumption QM under
 § 1026.43(e)(1)(ii). Consultant will verify the presence of documentation for lender
 determination of QM and indicating factors in its ability-to-repay determination, including
 how the originator applied its policies and procedures in verification. For loans applications
 taken on or after June 1, 2021, Consultant will verify whether the loan meets the requirements
 of the revised general QM definition effective March 1, 2021.

2. For
 loans for which applications were received prior to July 1, 2021, if a loan was designated
 as QM and identified as eligible for guarantee, purchase, or insurance by an applicable
 agency as permitted under the QM final rule, Consultant reviews the loan to determine
 whether, based on available information in the loan file the loan satisfied (i), (ii)
 and (iii) in the paragraph (3)(a)(i) below and reviews the Automated Underwriting System
 output within the file to confirm agency eligibility.

3.  **<u>For Non-Agency Eligible Loans</u>** : Consultant reviews applicable loans for compliance
 with the Ability to Repay (ATR) but not Qualified Mortgage (QM) rule requirements set
 forth in Regulation Z (12 C.F.R. 1026.43 et seq.).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. <u>Qualified Mortgage</u>:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. For
 QM (Safe Harbor or HPCT) designated loans, Consultant reviews the loan to determine whether,
 based on available information in the loan file: (i) the loan contains risky loan features
 and terms (e.g. an interest only feature or negative amortization), (ii) the "points
 and fees" exceed the applicable QM threshold, (iii) the monthly payment was calculated
 appropriately. Consultant reviews to the applicable consider and verify requirements
 under the QM rule depending on whether the QM was originated under the original general
 QM definition or the revised general QM definition effective March 1, 2021.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. For
 each QM designated loan that satisfied the applicable requirements enumerated above,
 Consultant then determines whether the loan is a Safe Harbor QM or Higher Priced QM by
 comparing the loan's actual annual percentage rate, as recalculated, to the applicable
 average prime offer rate plus a certain percentage. For QM designated loans originated
 under the revised general QM definition effective March 1, 2021, Consultant also determines
 whether the loan exceeds the pricing thresholds for QM loans.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. <u>Ability to Repay</u>:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. The
 ability to repay portion of the review for non-agency eligible loans only will focus
 on the eight factors detailed in the ATR Rule as detailed below for non-agency eligible
 loans. The Consultant will review the loan file to determine if the creditor verified
 and considered each of the eight factors utilizing reasonably reliable third-party documentation
 at or before consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Current
 or reasonably expected income or assets that the consumer will rely on to repay the loan.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Current
 employment status

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Monthly
 mortgage payment for subject loan using the introductory or fully indexed rate, whichever
 is higher, and monthly, fully amortizing payments that are substantially equal.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Monthly
 payment on any simultaneous loans secured by the subject property.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Monthly
 payments for property taxes and hazard/flood insurance and certain other costs related
 to the property such as homeowner's association fees or ground rent.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. Debts,
 alimony, and child support obligations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. Monthly
 debt-to-income ratio or residual income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. Credit
 history

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. For
 loans designated as agency eligible, Consultant will not review for compliance with the
 requirements of Appendix Q or General Ability to Repay.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Consultant
 reviews loans to determine their conformity with the ATR/QM factors above and is not
 rendering an independent assessment or analysis. Consultant's review is based on
 information contained in the loan file at the time it is provided to Consultant, and
 only reflects information as of that point in time and does not mean any regulator, judicial
 or agency will agree with the Consultant's conclusion.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**a)** **Regulatory Compliance Disclaimer** 

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

Please be further advised that Consultant does not employ personnel who are licensed to practice law in various jurisdictions, and the findings set forth in the reports prepared by Consultant do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Consultant. All final decisions as to whether to purchase or enter into a transaction related to any individual mortgage loan or the mortgage loans in the aggregate, any investment strategy and any legal conclusions, including potential liability related to the purchase or other transaction involving any such loans, shall be made solely by the Client, or other agreed upon party, that has engaged Consultant to prepare its reports pursuant to its instructions and guidelines. Client, or other agreed upon party, acknowledges and agrees that the scoring models applied by Consultant are designed to identify potential risk and the Client, or other agreed upon party, assumes sole responsibility for determining the suitability of the information for its particular use.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;**b)** **Seasoning And Certain Compliance Exceptions** 

Pursuant to the applicable NRSRO criteria, Consultant graded certain compliance exceptions as non-material based on seasoning of the mortgage loan. Certain mortgage loans were seasoned beyond the applicable period under TILA in which affirmative claims could be brought by a consumer. The time period is not limited for claims, other than recession, which are raised as a defense to foreclosure. Information contained in any Consultant reports related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual loan.

**Additional Disclosures and Requirements:**

Consultant will confirm compliance with current documentation and timing requirements in effect at origination of the Mortgage Loan including:

● Servicing Transfer Disclosure (for applications prior to 10/03/2015):

○ Confirm the presence of the Servicing Transfer Disclosure form in file

○ Verify the Servicing Transfer Disclosure was provided to the borrower(s) within three general business days of "Application"

● Special Information Booklet (for applications prior to 10/03/2015)/ Home Loan Tool Kit (for applications on or after 10/03/2015):

○ Confirm the presence of the Home Loan Tool Kit is in file for covered loans.

○ Confirm the Home Loan Tool Kit is provided within three general business days of application

● Affiliated Business Disclosure

○ Confirm the presence of the Affiliated Business Disclosure in file in the event the lender has affiliated business arrangements

○ Confirm the Affiliated Business Disclosure provided within three general business days of "Application" (Consultant reviews for this disclosure to be provided within three general business days, as the lender will typically know at the time of application if borrower(s) will be referred to affiliates for provision of third party services)

○ Confirm the Affiliated Business Disclosure is executed.

● Initial Escrow Disclosure Statement

○ Confirm the presence of the Initial Escrow Disclosure Statement in file

○ Confirm the Initial Escrow Disclosure Statement was provided at closing or within 45 days after settlement

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

● Confirm the lender has provided the borrower a disclosure of the right to receive a copy of appraisals within three (3) business days of application. This disclosure requirement may be met by disclosure on the Loan Estimate pursuant to 12 CFR § 1026.27(m)(1).

● Confirm that the lender has provided (delivered) copies of appraisals and all other written valuations (as disclosed to the borrower on the HUD-1 and/or contained in the Mortgage Loan File) to the borrower at least three (3) business days prior to consummation Opus uses the following test: Was appraisal/valuation documentation processed at least 6 days prior to account opening/ consummation date (3 day rule plus 3 days mailing time)?

● For a borrower that has waived the 3-business day disclosure requirement, confirm that the borrower has either (1) signed the waiver at least three (3) business days prior to consummation or (2) has signed an acknowledgment that the waiver occurred at least three (3) business days prior to consummation. Additionally, confirm that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

**Fair Credit Report Act (Regulation V)**

● Confirm that the lender has provided the borrower the risk-based pricing notice (as required by 12 CFR § 1022.73) or credit score disclosure (as required by 12 CFR § 1022.74(d)), as applicable; (a) If the lender has provided the risk-based pricing notice, confirm the disclosure was provided before consummation, but not earlier than the approval decision was communicated to the consumer; and (b) If the lender has provided the credit score disclosure, confirm the disclosure was provided before consummation.

● Confirm that the lender has provided a copy of the disclosure of credit score and the Notice to Home Loan Applicant (as required by 15 U.S.C. § 1681g) before consummation.

**High-Cost, State & Local Anti-Predatory Regulations**

In addition to federal thresholds, Consultant will review the anti-predatory lending statutes in the following states and local municipalities, as applicable, as well as any additional applicable regulations implemented during the Term of this SOW.

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

● California Anti-Predatory Lending Statute, Cal. Fin. Code § 4970 et seq.

● California Higher-Priced Mortgage Loan Statute, Cal. Fin. Code §4995 et seq.

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

● Connecticut Abusive Home Loan Lending Practices Act, Conn. Stat. Ann. §36a- 746 et seq., as amended from time to time.

● Connecticut Nonprime Home Loans Statute, Conn. Gen. Stat. §§ 36a-760 et seq. (as originally enacted and as amended by Senate Bill 949).

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

● Florida Fair Lending Act, Fla. Stat. Ann. § 494.0078 et seq. (for loans closed before July 1, 2014).

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

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

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

● Illinois High Risk Home Loan Act, Public Act. 93-0561 (2003) codified at 815, ILCS §§ 137/5 et seq., and as amended by SB 1692 (2012), effective January 10, 2014.

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

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

● Cook County, Illinois, Anti-Predatory Lending Ordinance, Cook County Code of Ordinances § 34-341.

● Cook County, Illinois, Anti-Predatory Lending Pilot Program, Illinois House Bill 4050 (2005).

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

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

● Kansas Consumer Credit Code

● Kentucky Anti-Predatory Lending Statute, Ky. Rev. Stat. § 360.100 et seq.

● Maine, An Act to Enhance Consumer Protections in Relation to Certain Mortgages (for loans closed prior to September 27, 2011), Me. Rev. Stat. Ann. Tit. 9-A, §§ 8-103(1); 8-206(8);8-206A, as amended by Legislative Documents 1869 (2007), 2125 (2008) and 1439 (2009).

● Maine Consumer Credit Code - Truth-in-Lending, (for loans closed on or after September 27, 2011), Me. Rev. Stat. Ann. tit. 9-A, §§ 8-501 et seq., as amended from time to time.

● Maryland Commercial Law, Md. Code Ann., Com. Law §§ 12-124.1; 12-127; 12- 409.1; 12-1029.

● Maryland Regulations for Higher Priced Mortgage Loans, as promulgated under the Maryland Mortgage Lender Law, Md. Code Ann., Fin. In <u>sti</u> t. Code §§ 11-501 et seq.; Md. Code Regs. §§ 09.03.06.01 et seq.

● Massachusetts High- Cost Mortgage Regulations, 209 CMR Parts 32 and 40, as amended from time to time.

● Massachusetts Pr <u>eda</u> tory Home Loan Practices Act, M.G.L. Chapter 183C, §§ 1 et seq.

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

● Massachusetts Mortgage Lender and Broker Regulations, 940 CMR §800 (15-17).

● Massachusetts Regulations for Higher Priced Mortgage Loans, 209 CMR §§ 32.00 et.seq., as amended from time to time.

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

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

● Minnesota Mortgage Originator and Service Licensing Act, § 58.137 et seq. (S.F. 2988 (2002)), as amended by House File 1004 (2007) and Senate File 988 (2007).

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

● Nevada Anti-Predatory Lending Law, Assembly Bill No. 284 (2003) and Amended by Assembly Bill No. 440 (2007), codified as NRS § 598D.010 et seq.

● New Jersey Home <u>Owne</u> rship Security Act of 2002, NJ Stat. Ann. § C:46:10B-22 et seq., as amended from time to time.

● New Mexico Home Loan Protection Act, Senate Bill 449 (Regular Session 2003), codified at NM Rev. Stat. § 58-21A-1 et seq. and as amended from time to time.

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

● New York High-Cost Home Loan Act, N.Y. Bank. L. Ch. 626., as codified in NY Bank. Law § 6-l, and as implemented by 3 NYCCR Part 41 as amended from time to time.

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

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

● Ohio Anti-Predatory Lending Statute, HB 386 as amended by Senate Bill 185 (2006), and as codified in various sections of the Ohio Code.

● Ohio Consumer Sales Practices Act, Ohio Rev. Code Ann. § 1345.01, as imp <u>lemen</u> ted by Ohio Admin. Rules § 109 4-3-01 et seq.

● City of Cleveland Heights, Ohio, Anti-Predatory Lending Ordinance, O <u>rd</u> i <u>nan</u> ce No. 72-2003 (PSH), Mun. Code §§ 757.01 et seq.

● Summit County, Ohio, Anti-Predatory Lending Ordi <u>nance,</u> Ordinance No. 2004- 618, Muni. Code §§ 201.01 et seq.

● Oklahoma Anti-Predatory Lending Law, House Bill No. 1574 (2003), as codified in various sections of Title 14A of the Oklahoma Consumer Credit Code.

● Oklahoma Higher-Pr <u>ic</u> ed Mortgage Loans Law, Okla. Admin. Code §§ 160:45-9- 1 et seq.

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

● Rhode Island Home Loan Protection Act, R.I. Gen. L. 34-25.1-2 et seq, as implemented by Emergency Banking Regulation 3 (2006) and Final Banking Regulation 3 (2007) and amended by Senate Bill 371 (2007).

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

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

● Tennessee Home Loan Protection Act, Tenn. H.R. 3597 (2006), as codified at Tenn. Code Ann. §§ 45-20-101 et seq.

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

● Section 50(a)(6), Article XVI of the Texas Constitution

● Section 50(f)(2), Article XVI of the Texas Constitution

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

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

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

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

● Virginia Mortgage Lender and Broker Act (for loans originated on or after July 1, 2003 to September 30, 2010, as amended), Va. Code Ann. §§ 6.1-411, 6.1-422.1, 6.1-425.1 and 6.1-425.2.

● Virginia Mortgage Lender and Broker Act (for loans originated on or after October 1, 2010), Va. Code Ann. §§ 6.2-1600 et seq., as amended from time to time.

● Virginia Senate Bill 797 (2008), effective July 1, 2008 (uncodified).

● Washington House Bill 2770, Mortgage Lending Ownership

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

● Wisconsin Responsible High-Cost Mortgage Lending Act, Wis. Stat. § 428.202, as implemented by Wis. Admin. Code DFI-Bkg 46.01 et seq.

● Wyoming Credit Code

**Misrepresentation and Third-Party Review**

Validate that fraud reports and independent third-party property valuations reports are in the file. The review will consist of the following:

1) Misrepresentation Review and Valuation Review

Review on each loan to identify potential misrepresentations of income, employment, identity, occupancy, transaction and appraisal misrepresentation or other areas of potential misrepresentation. The Misrepresentation may include the following:

● Signatures: Validate signature consistency across documents. To the extent imaged or hard copy files are provided, Consultant will utilize reasonable efforts to validate the consistency of signatures across documents.

● Alerts: Assess credit report alerts for accuracy and potential issues.

● Social Security Numbers: Compare SSN(s) across all file documents.

● Document Integrity: Review for apparent alterations to loan documents. To the extent imaged or hard copy files are provided, Consultant will utilize reasonable review of alterations to the loan documents.

● Data Consistency: Review the documents contained in the loan file for consistency of data.

● Third Party Fraud Tools: To the extent a third party fraud tool is contained in the loan file, the Consultant will ensure high level or critical warnings are reviewed and addressed.

**Independent Third-Party Values**

Review each loan to determine whether a third party valuation product was required and if required, that the third party product value was compared to the original appraised value to identify a value variance and apply the appropriate rating agency grade after reviewing the required valuation products. i) Consultant will perform the following steps.

● Property is complete

● Value is based on as-is condition or provides satisfactory completion of all material conditions including inspections, licenses, and certifications (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

● Property is described in average or better condition

● No apparent appraiser independence violation statements

● Appraisal addresses any adverse comments

● Appraisal is completed on appropriate GSE Forms

● Appraisal contains required attachments.

● Appraiser was appropriately licensed at the time the appraisal was signed

If the valuation Consultant des not supply the updated valuation product directly to the Consultant, the Client will authorize the valuation Consultant to issue an attestation with sufficient information for the Consultant to determine the correct valuation product was utilized to verify the accuracy of the origination appraisal.

Value Review Disclaimer

● The individuals performing the above procedures are not person providing valuations for the purpose of the Uniform Standards of Professional Appraisal Practice ("USPAP") or necessarily licensed as appraiser under Federal or State law, and the services being performed do not constitute appraisal reviews for the purposes of USPAP or Federal or State law.

● Opus makes no representation or warranty as to the value of the mortgaged property, notwithstanding that Opus may have reviewed the valuation information for reasonableness.

● Opus is not an Appraisal Management Company ("AMC") and therefore does not opine on the actual value of the underlying property.

● Opus is not a creditor within the meaning of the Equal Credit Opportunity Act ("ECOA") or other lending laws and regulations, and therefore Opus will not have and communications with or responsibility to any individual concerning property valuations.

**Properties in FEMA declared disaster zones.**

If a FEMA declared disaster occurs after the inspection date on the appraisal, Consultant will review the file to determine if an exterior inspection to ensure:

● No apparent damage to the property

● Property appears to be occupied

**<u>Pool Details</u>**

![](ex998002.jpg)

**<u>Tape Discrepancies</u>**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Data Element** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Accuracy** |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;3 | &nbsp;&nbsp;87.50% |
| &nbsp;&nbsp;Originator QM Status | &nbsp;&nbsp;12 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;95.83% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;7 | &nbsp;&nbsp;70.83% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;1 | &nbsp;&nbsp;95.83% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;11 | &nbsp;&nbsp;54.17% |
| &nbsp;&nbsp;**Total Loans** | &nbsp;&nbsp;**24** |  |

---

**Multiple Loans to One Borrower:** TPR firm reviewed common identifiers for all loans in the population and confirmed there were no obligors with multiple loans in the pool.

**Property Inspection Waivers:** No loans had a Property Inspection Waiver.

**<u>Loan Grading Definitions</u>**

**<u>Credit</u>**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Fitch | &nbsp;&nbsp;Kroll | &nbsp;&nbsp;DBRS | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp; A | &nbsp;&nbsp; A | &nbsp;&nbsp;Loan conforms to all applicable guidelines, no conditions noted |
| &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp; B | &nbsp;&nbsp; B | &nbsp;&nbsp;Loan does not meet every applicable credit guideline. However, most of the loan characteristics are within the guidelines and there are documented and significant compensating factors |
| &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp; C | &nbsp;&nbsp; C | &nbsp;&nbsp;The loan does not meet every applicable credit guideline, and most of the loan characteristics are outside of guidelines; or there are weak or no compensating factors |
| &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp; D | &nbsp;&nbsp; D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

**<u>Compliance</u>**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Kroll | &nbsp;&nbsp;DBRS | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;A | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;B | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations; however, minor evidentiary issue(s) exist |
| &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;C | &nbsp;&nbsp;The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;Fitch | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan was originated in compliance with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan is in compliance with all applicable laws and regulations and a benefit to the borrower is present and documented |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The includes material violation(s) with applicable federal, state, and local predatory and high cost, TILA, and Regulation Z laws and regulations |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file is missing critical documentation required to perform the review |

---

**<u>Property Valuation</u>**

---

| | |
|:---|:---|
| &nbsp;&nbsp;Moody's | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A &nbsp;&nbsp; A | &nbsp;&nbsp;Value is within a 10% variance of third party product. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete. |
| &nbsp;&nbsp;B &nbsp;&nbsp; B | &nbsp;&nbsp;Meets all terms for an A, but property requires cosmetic or minor repairs that do not affect value or habitability |
| &nbsp;&nbsp;C &nbsp;&nbsp; C | &nbsp;&nbsp;Any of the following items: Origination value and third party valuation product value has a variance of 10% or greater, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines |
| &nbsp;&nbsp;D &nbsp;&nbsp; D | &nbsp;&nbsp;The loan file was missing the appraisal and/or other valuations products needed to complete the review |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;S&P | &nbsp;&nbsp;Definition |
| &nbsp;&nbsp;A | &nbsp;&nbsp;First Level Review Value is within a 10% variance to the original appraisal. Appraisal meets lender guidelines. Subject property is 100% complete. Property condition is average or better. Standard GSE form was utilized. Appraiser is licensed. Appraisal is complete. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;First Level Review Value is greater than a 10% variance to the original appraisal but the second level review value is within 10% variance of the original appraised value. In addition, property requires cosmetic or minor repairs that do not affect value or habitability |
| &nbsp;&nbsp;C | &nbsp;&nbsp;Any of the following items: Second Level Review Value is greater than a 10% variance to the original appraisal, cannot validate value, property is incomplete, property condition is less than average, GSE form was not utilized, and/or the appraisal and/or does not meet guidelines |
| &nbsp;&nbsp;D | &nbsp;&nbsp;The loan file was missing the appraisal and/or other valuations products needed to complete the review |

---

**<u>Loan Review Findings</u>**

The following summarizes Consultant's final loan securitization and event grades assigned to the final reviewed loan pool and reported in the Agency Grading Report dated April 10, 2026.

![](ex998003.jpg)

**<u>Loans Reviewed (24)</u>**

---

| | | |
|:---|:---|:---|
| 38668038 | 38384243 | 35881400 |
| 36062894 | 34857046 | 36789301 |
| 39061266 | 39954240 | 39155654 |
| 35462936 | 39171227 | 36791774 |
| 34954724 | 34423740 | 35213730 |
| 35949332 | 31127553 | 33301565 |
| 34693597 | 38510520 | 37278123 |
| 35571432 | 31312020 | 35450774 |

---

If you have any questions, please contact Uriah Clavier at Uriah.Clavier@opuscmc.com.

## Exhibit 99.8

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.8 - Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **EDGAR ID** | **Seller Loan ID** | **Investor Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM DTI/Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| **36791774** |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 10.915 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXXX | N/A | Employed | Employed | No | No | No |  |
| **35213730** |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 8.807 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXXX | N/A | Employed |  | No |  | No |  |
| **33301565** |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 9.398 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXXX | N/A | Employed | Employed | No | No | No |  |
| **37278123** |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 7.649 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXXX | N/A | Employed | Employed | No | No | No |  |
| **35450774** |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 8.13 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXXX | N/A | Employed |  | No |  | No |  |
| **38668038** |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 8.68 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXXX | N/A | Employed |  | No |  | No |  |
| **36062894** |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | Yes | No | No | No | Not Tested | 0 | 9.152 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXXX | N/A | Employed |  | No |  | No |  |
| **39061266** |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 8.091 | Yes | N/A | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXXX | N/A | Retired |  | No |  | No |  |
| **35462936** |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 8.423 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXXX | N/A | Employed | Employed | No | No | No |  |
| **34954724** |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | Yes | No | No | No | Not Tested | 0 | 9.017 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXXX | N/A | Employed |  | No |  | No |  |
| **35949332** |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| **34693597** |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| **35571432** |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 11.428 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXXX | N/A | Employed |  | No |  | No |  |
| **38384243** |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 8.535 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXXX | N/A | Employed |  | No |  | No |  |
| **34857046** |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 8.16 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXXX | N/A | Employed | Not Employed | No | No | No |  |
| **39954240** |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 9.949 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXXX | N/A | Employed |  | No |  | No |  |
| **39171227** |  |  | XX/XX/XXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| **34423740** |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 8.788 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXXX | N/A | Employed |  | No |  | No |  |
| **31127553** |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 9.13 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXXX | N/A | Employed |  | No |  | No |  |
| **38510520** |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | Yes | No | No | No | No | No | No | No | Not Tested | 0 | 10.358 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXXX | N/A | Employed |  | No |  | No |  |
| **31312020** |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 8.095 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXXX | N/A | Employed | Employed | No | No | No |  |
| **35881400** |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | No | No | No | No | No | No | No | No | No | Not Tested | 0 | 8.084 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXXX | N/A | Retired | Employed | No | No | No |  |
| **36789301** |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 8.519 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXXX | N/A | Employed | Employed | No | No | No |  |
| **39155654** |  |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No |  | Not Tested | Yes | No | No | No | No | No | No | No | No | Not Tested | 0 | 8.319 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | $XXXXXXX | N/A | Employed |  | No |  | No |  |

---

## Exhibit 99.8

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.8 - Schedule 2**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **EDGAR ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| **36791774** |  |  | 0706-002 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 47.4 | 47.563 | Audit reflects difference in qualifying 1st lien P & I than the approval and Audit liabilities were based on the most recent credit report in the loan file dated XX/XX/XXXX. |
| **35213730** |  |  | 0706-002 | Qualifying CLTV | propertyValuationPage | 74.96 | 74.839 | Audit Value of 1st + 2nd lien / Qualifying Value |
| **35213730** |  |  | 0706-002 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 40.84 | 42.26 | 1008 DTI is 42.260 Audit value based on documents located in the loan file. |
| **33301565** |  |  | 0706-002 | Qualifying CLTV | propertyValuationPage | 84.11 | 84.115 | Rounding |
| **33301565** |  |  | 0706-002 | Property Type | propertyValuationPage | PUD | Single Family Detached | Audit value pulled from documentation in the loan file. |
| **33301565** |  |  | 0706-002 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 49.89 | 49.884 | Rounding |
| **37278123** |  |  | 0706-002 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 41.8 | 46.328 | Audit DTI difference is due to income calculations and liabilities based on documents in loan file.  |
| **35450774** |  |  | 0706-002 | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | QM: Average Prime Offer Rate (APOR) | Audit value pulled from documents located in the loan file. |
| **38668038** |  |  | 0706-002 | Qualifying FICO | creditLiabilitiesPage | 758 | 734 | Audit value based on lender qualifying requirements. |
| **38668038** |  |  | 0706-002 | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Audit value pulled from documents located in the loan file. |
| **38668038** |  |  | 0706-002 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 38.59 | 39.354 | Audit liabilities were based on documents in the loan file. |
| **36062894** |  |  | 0706-002 | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Audit value pulled from documents located in the loan file. |
| **39061266** |  |  | 0706-002 | Qualifying CLTV | propertyValuationPage | 71.65 | 71.96 | Audit Value of 1st + 2nd lien / Qualifying Value |
| **35462936** |  |  | 0706-002 | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | QM: Average Prime Offer Rate (APOR) | Audit value pulled from documents located in the loan file. |
| **34954724** |  |  | 0706-002 | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | ATR/QM: Exempt | Audit value pulled from documents located in the loan file. |
| **35949332** |  |  | 0706-001 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| **34693597** |  |  | 0706-001 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| **35571432** |  |  | 0706-002 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 20.81 | 20.842 | 1008 DTI 20.842%. DTI difference is less than 1% and within lender tolerance. |
| **38384243** |  |  | 0706-002 | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | QM: Average Prime Offer Rate (APOR) | Audit value pulled from documents located in the loan file. |
| **34857046** |  |  | 0706-002 | Qualifying CLTV | propertyValuationPage | 65.89 | 65.696 | Audit Value of 1st + 2nd lien / Qualifying Value |
| **34857046** |  |  | 0706-002 | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | QM: Average Prime Offer Rate (APOR) | Audit value pulled from documents located in the loan file. |
| **39171227** |  |  | 0706-001 | Loan Type | the1003Page | DSCR | Conventional | Audit Value Pulled From 1008. |
| **34423740** |  |  | 0706-002 | Qualifying CLTV | propertyValuationPage | 69.12 | 69.059 | Audit Value of 1st + 2nd lien / Qualifying Value. |
| **34423740** |  |  | 0706-002 | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | QM: Average Prime Offer Rate (APOR) | Audit value pulled from documents located in the loan file. |
| **34423740** |  |  | 0706-002 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 33.24 | 33.349 | 1008 DTI 33.349%. DTI difference is less than 1% and within lender tolerance. |
| **31127553** |  |  | 0706-002 | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | QM: Average Prime Offer Rate (APOR) | Audit value pulled from documents located in the loan file. |
| **38510520** |  |  | 0706-002 | Qualifying CLTV | propertyValuationPage | 74.99 | 74.995 | Rounding |
| **38510520** |  |  | 0706-002 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 37.88 | 38.525 | 1008 DTI 38.525%. DTI difference is less than 1% and within lender tolerance. |
| **31312020** |  |  | 0706-002 | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | QM: Average Prime Offer Rate (APOR) | Audit value based on documents located in the loan file. |
| **35881400** |  |  | 0706-002 | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | QM: Average Prime Offer Rate (APOR) | Originator QM Status is updated per instruction |
| **35881400** |  |  | 0706-002 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 38.78 | 38.763 | Audit reflects more conservative income based on documents in the loan file.  |
| **36789301** |  |  | 0706-002 | Originator QM Status | diligenceFinalLookPage | Non-QM: Lender documented all ATR UW factors | QM: Average Prime Offer Rate (APOR) | Audit value pulled from documents located in the loan file. |
| **36789301** |  |  | 0706-002 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 48.94 | 48.641 | 1008 DTI 48.641%. Audit DTI difference is due to liabilities based on documents in loan file.  |
| **39155654** |  |  | 0706-002 | Qualifying CLTV | propertyValuationPage | 64.66 | 64.712 | Audit Value of 1st + 2nd lien / Qualifying Value |
| **39155654** |  |  | 0706-002 | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | 47.8 | 49.143 | 1008 DTI 49.143%. Audit DTI difference is due to income calculations and liabilities based on documents in loan file. |

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## Exhibit 99.8

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.8 - Schedule 3**

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| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Seller** | **EDGAR ID** | **Seller Loan ID** | **Investor Loan ID** | **Queue** | **Created Date** | **Last Modified Date** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Reviewer Comments** | **Seller Comments** | **Finding Resolution** | **Finding Document** | **Reviewer Comp Factors** | **Originator Comp Factors** | **State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Unique Finding ID** | **Acknowledged / Waived By** | **Waiver in File?** |
| XXXXXXX | **33301565** |  |  | Closed | 2026-03-17 13:52 | 2026-04-02 12:53 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements | Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-04/02/2026 <br>Resolved-HOI policy received. Condition resolved. - Due Diligence Vendor-03/26/2026 <br>Ready for Review-hoi attached - Due Diligence Vendor-03/25/2026 <br>Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements HOI for subject property is missing in file - Due Diligence Vendor-03/17/2026 |  | Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-04/02/2026 <br>Resolved-HOI policy received. Condition resolved. - Due Diligence Vendor-03/26/2026<br>| XXXXXXXXXXXX_Insurance - Hazard_XXXXXXXXXXXX_XXXXXXXXXXXX.pdf |  |  | AZ | Primary Residence | Refinance | Cash Out - Debt Consolidation | 8161323 | N/A | N/A |
| XXXXXXX | **33301565** |  |  | Closed | 2026-03-17 11:01 | 2026-03-26 10:20 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-03/26/2026 <br>Ready for Review-e consent attached - Due Diligence Vendor-03/25/2026 <br>Open-E-Consent documentation is missing for borrower(s). E-Consent documentation is missing for borrower - Due Diligence Vendor-03/17/2026 |  | Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-03/26/2026<br>| XXXXXXXXXXXX_eConsent_XXXXXXXXXXXX_XXXXXXXXXXXX.pdf |  |  | AZ | Primary Residence | Refinance | Cash Out - Debt Consolidation | 8155796 | N/A | N/A |
| XXXXXXX | **33301565** |  |  | Closed | 2026-03-17 12:58 | 2026-03-26 10:17 | Resolved | 1 - Information | Credit | Missing Doc | Hazard Insurance Policy is Missing | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-03/26/2026 <br>Ready for Review-Hazard attached. - Due Diligence Vendor-03/25/2026 <br>Open-Missing Hazard Insurance Policy - Due Diligence Vendor-03/17/2026 |  | Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-03/26/2026<br>| XXXXXXXXXXXX_Insurance - Hazard_XXXXXXXXXXXX_XXXXXXXXXXXX.pdf |  |  | AZ | Primary Residence | Refinance | Cash Out - Debt Consolidation | 8158907 | N/A | N/A |
| XXXXXXX | **33301565** |  |  | Closed | 2026-03-19 08:47 | 2026-03-26 10:09 | Resolved | 1 - Information | Compliance | QM-ATR | ATR Risk - Employment validation/verification standards do not meet requirements | Resolved- - Due Diligence Vendor-03/26/2026 <br>Open-CPA VVOE and license received. Condition resolved. - Due Diligence Vendor-03/26/2026 <br>Ready for Review-attached - Due Diligence Vendor-03/25/2026 <br>Open-ATR Risk - Employment validation/verification standards do not meet requirements Missing verification of B1 self-employment through a third party (government entity, business attorney, CPA). - Due Diligence Vendor-03/19/2026 |  |  | XXXXXXXXXXXX_Income - Business Verification of Self Employment_XXXXXXXXXXXX_XXXXXXXXXXXX.pdf |  |  | AZ | Primary Residence | Refinance | Cash Out - Debt Consolidation | 8209077 | N/A | N/A |
| XXXXXXX | **33301565** |  |  | Closed | 2026-03-19 08:47 | 2026-03-26 10:08 | Resolved | 1 - Information | 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-03/26/2026 <br> Ready for Review-attached - Due Diligence Vendor-03/25/2026 <br> Open-Borrower 1 3rd Party VOE Prior to Close Missing Guidelines, section 8.5.3, require verification of XXXXXXXX XXX XXXX Statement program with a business license verified by a third party (government entity, borrower's business attorney). When a license is not required, a letter from a CPA confirming employment may be accepted. Borrowers whose self-employment cannot be independently verified are not eligible. - Due Diligence Vendor-03/19/2026 |  | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-03/26/2026<br>| XXXXXXXXXXXX_Income - Business Verification of Self Employment_XXXXXXXXXXXX_XXXXXXXXXXXX.pdf |  |  | AZ | Primary Residence | Refinance | Cash Out - Debt Consolidation | 8209076 | N/A | N/A |
| XXXXXXX | **35450774** |  |  | Closed | 2026-03-19 08:53 | 2026-03-30 09:08 | Resolved | 1 - Information | Compliance | Disclosure | Appraisal Delivery Does Not Conform To E-Sign Act | Resolved-E-consent received. - Due Diligence Vendor-03/30/2026 <br>Ready for Review-e consent attached. - Due Diligence Vendor-03/30/2026 <br>Open-The appraisal was delivered electronically. E-Consent documentation is missing for borrower(s) or E-Consent not provided prior to appraisal delivery. Missing e-consent. - Due Diligence Vendor-03/19/2026 |  | Resolved-E-consent received. - Due Diligence Vendor-03/30/2026<br>| XXXXXXXXXXXX_eConsent_XXXXXXXXXXXX_XXXXXXXXXXXX.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 8209314 | N/A | N/A |
| XXXXXXX | **35450774** |  |  | Closed | 2026-03-19 05:59 | 2026-03-30 09:03 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-03/30/2026 <br>Ready for Review-attached. - Due Diligence Vendor-03/30/2026 <br>Open-E-Consent documentation is missing for borrower(s). - Due Diligence Vendor-03/19/2026 |  | Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-03/30/2026<br>| XXXXXXXXXXXX_eConsent_XXXXXXXXXXXX_XXXXXXXXXXXX.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 8206504 | N/A | N/A |
| XXXXXXX | **38668038** |  |  | Closed | 2026-01-15 13:50 | 2026-02-16 08:23 | Acknowledged | 2 - Non-Material | Compliance | Disclosure | Disclosure(s) for Borrower 2 electronically dated prior to E-Consent | Acknowledged-No documents e-signed prior to giving e-Consent were material. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/16/2026 <br> Resolved-Doc hand signed. Resolved. - Due Diligence Vendor-02/13/2026 <br> Ready for Review-Disclosures in question seem to be hand signed. - Due Diligence Vendor-02/09/2026 <br> Open-disclosures are hand signed. please advise. - Buyer-01/23/2026 <br> Open-Disclosure(s) signed XX/XX/XXXX is prior to E-Consent from Borrower 1 and 2 dated XX/XX/XXXX. Provide E-Consent for both borrowers signed and dated prior to XX/XX/XXXX. - Due Diligence Vendor-01/15/2026 |  | Acknowledged-No documents e-signed prior to giving e-Consent were material. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/16/2026 <br>Resolved-Doc hand signed. Resolved. - Due Diligence Vendor-02/13/2026<br>|  |  |  | NH | Investment | Refinance | Cash Out - Other | 7118456 | Investor Post-Close | No |
| XXXXXXX | **38668038** |  |  | Closed | 2026-01-06 03:32 | 2026-02-13 01:07 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-01/15/2026 <br>Ready for Review- - Due Diligence Vendor-01/13/2026 <br>Open-Document Uploaded. - Buyer-01/13/2026 <br>Open-E-Consent documentation is missing for borrower(s) E-Consent documentation is missing for borrower - Due Diligence Vendor-01/06/2026 |  | Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-01/15/2026<br>| e consent.pdf |  |  | NH | Investment | Refinance | Cash Out - Other | 6929315 | N/A | N/A |
| XXXXXXX | **36062894** |  |  | Closed | 2025-12-30 11:59 | 2026-02-03 16:47 | Resolved | 1 - Information | Property | Missing Doc | Missing Appraisal (Property) | Resolved-Lender provided AVM with confidence score of 90%. Finding resolved. - Due Diligence Vendor-02/03/2026 <br>Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-02/03/2026 <br>Open-Document Uploaded. - Buyer-01/23/2026 <br>Open-Appraisal or other primary valuation product is missing Missing Full Appraisal OR an AVM with confidence score 90% from approved vendor along with a property condition inspection as required by guidelines. - Due Diligence Vendor-01/05/2026 |  | Resolved-Lender provided AVM with confidence score of 90%. Finding resolved. - Due Diligence Vendor-02/03/2026 <br>Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-02/03/2026<br>| Appraisal.pdf |  |  | CA | Investment | Refinance | Cash Out - Other | 6857408 | N/A | N/A |
| XXXXXXX | **39061266** |  |  | Closed | 2026-01-09 08:52 | 2026-02-03 17:13 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-Lender provided E-Consent for both parties, which was accepted XX/XX/XXXX and XX/XX/XXXX. finding resolved. - Due Diligence Vendor-02/03/2026 <br> Counter-Lender provided E-consent accepted by both borrowers dated XX/XX/XXXX XX/XX/XXXX. Finding resolved - Due Diligence Vendor-02/03/2026 <br> Counter-Document Uploaded. - Buyer-01/23/2026 <br> Counter-Please resend. There is no attachment. - Due Diligence Vendor-01/15/2026 <br> Ready for Review-E CONSENT ATTACHED. - Due Diligence Vendor-01/15/2026 <br> Open-E-Consent documentation is missing for borrower(s). E-Consent documentation is missing - Due Diligence Vendor-01/09/2026 |  | Resolved-Lender provided E-Consent for both parties, which was accepted XX/XX/XXXX and XX/XX/XXXX. finding resolved. - Due Diligence Vendor-02/03/2026 | E CONSENT.pdf |  |  | GA | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 7004907 | N/A | N/A |
| XXXXXXX | **35462936** |  |  | Closed | 2026-01-08 08:20 | 2026-02-03 17:19 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for the borrower(s) | Resolved-lender provided e-consent dated XX/XX/XXXX by both borrowers, Finding resolved. - Due Diligence Vendor-02/03/2026 <br> Counter-Document Uploaded. - Buyer-01/23/2026 <br> Counter-Document is not uploaded to condition. E-Consent documentation is missing for the borrower(s). The borrowers e-signed documents on XX/XX/XXXX and the e-consent date in file was XX/XX/XXXX. Provide e-consent dated prior to XX/XX/XXXX. - Due Diligence Vendor-01/13/2026 <br> Ready for Review-E CONSENT ATTACHED. - Due Diligence Vendor-01/13/2026 <br> Open-E-Consent documentation is missing for the borrower(s). The borrowers e-signed documents on XX/XX/XXXX and the e-consent date in file was XX/XX/XXXX. Provide e-consent dated prior to XX/XX/XXXX. - Due Diligence Vendor-01/08/2026 |  | Resolved-lender provided e-consent dated XX/XX/XXXX by both borrowers, Finding resolved. - Due Diligence Vendor-02/03/2026 | E CONSENT.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6980352 | N/A | N/A |
| XXXXXXX | **35949332** |  |  | Closed | 2026-01-06 05:51 | 2026-01-13 16:32 | Resolved | 1 - Information | Credit | Missing Doc | Final HUD/Settlement Statement Not Provided | Resolved-Borrower closing statement (HUD-1) received. Loan is a DSCR (business-purpose), borrower acknowledgement not required. Condition cleared. - Due Diligence Vendor-01/13/2026 <br>Ready for Review-- - Due Diligence Vendor-01/12/2026 <br>Ready for Review-- - Due Diligence Vendor-01/12/2026 <br>Open-The final HUD/Settlement Statement is missing. The final HUD provided is neither signed by the borrower nor certified by the title agent. - Due Diligence Vendor-01/06/2026 |  | Resolved-Borrower closing statement (HUD-1) received. Loan is a DSCR (business-purpose), borrower acknowledgement not required. Condition cleared. - Due Diligence Vendor-01/13/2026<br>| XXXXXXXXXXXX_Escrow - Final Closing Stmnt_XXXXXXXXXXXX_XXXXXXXXXXXX.pdf<br> XXXXXXXXXXXX_Escrow - Final Closing Stmnt_XXXXXXXXXXXX_XXXXXXXXXXXX.pdf |  |  | CA | Investment | Refinance | Cash Out - Other | 6930327 | N/A | N/A |
| XXXXXXX | **35949332** |  |  | Closed | 2026-01-05 07:09 | 2026-01-06 05:50 | Waived | 2 - Non-Material | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Audited Loan Amount of $XXXXX is less than the Guideline Minimum Loan Amount of $100000 Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/05/2026 | LTV<br> Credit history - 01/06/2026 <br>| Waived-Audited Loan Amount of $XXXXX is less than the Guideline Minimum Loan Amount of $100000 Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/05/2026 |  |  |  | CA | Investment | Refinance | Cash Out - Other | 6911312 | Originator Pre-Close | Yes |
| XXXXXXX | **34693597** |  |  | Closed | 2026-01-05 04:44 | 2026-02-19 11:16 | Resolved | 1 - Information | Credit | Missing Doc | Missing Business Purpose Affidavit | Resolved-Document received, finding resolved - Due Diligence Vendor-01/22/2026 <br>Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-01/22/2026 <br>Ready for Review-- - Due Diligence Vendor-01/21/2026 <br>Open-The loan file is missing the Business Purpose Affidavit as required by Lender guidelines. - Due Diligence Vendor-01/05/2026 |  | Resolved-Document received, finding resolved - Due Diligence Vendor-01/22/2026 <br>Resolved-Business Purpose Affidavit provided - Due Diligence Vendor-01/22/2026<br>| XXXXXXXXXXXX_Public__Companywide_Occupancy Affidavit - XXXXXXXXXXX.DOC_XXXXXXXXXXXX_XXXXXXXXXXXX.pdf |  |  | GA | Investment | Refinance | Cash Out - Other | 6910110 | N/A | N/A |
| XXXXXXX | **34693597** |  |  | Closed | 2026-02-19 09:26 | 2026-02-19 09:26 | Acknowledged | 1 - Information | Property | Value | S&P value equals B, secondary product within tolerance | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/19/2026 |  | Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. S&P RA Only - Value grade equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/19/2026<br>|  |  |  | GA | Investment | Refinance | Cash Out - Other | 7698120 | Investor Post-Close | No |
| XXXXXXX | **34693597** |  |  | Closed | 2026-01-05 05:33 | 2026-01-07 05:39 | Waived | 2 - Non-Material | Credit | Eligibility | Audited Loan Amount is less than Guideline Minimum Loan Amount | Waived-Audited Loan Amount of $XXXXX is less than the Guideline Minimum Loan Amount of $100000. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/05/2026 |  | Waived-Audited Loan Amount of $XXXXX is less than the Guideline Minimum Loan Amount of $100000. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-01/05/2026 |  |  | Credit history<br> DSCR Ratio | GA | Investment | Refinance | Cash Out - Other | 6910443 | Originator Pre-Close | Yes |
| XXXXXXX | **35571432** |  |  | Closed | 2026-01-05 14:41 | 2026-02-04 07:27 | Waived | 2 - Non-Material | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Audited CLTV of 90% exceeds Guideline CLTV of 85% Audited CLTV of 90% exceeds Guideline CLTV of 85%. Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-02/04/2026 <br> Open-Document Uploaded. Refer to page 5-6 of updated approval and exception approval. P.6 has the exception approval and comments. - Buyer-01/23/2026 <br> Open-Audited CLTV of 90% exceeds Guideline CLTV of 85% due to combined lien balance of $X,XXX,XXX. - Due Diligence Vendor-01/05/2026 |  | Waived-Audited CLTV of 90% exceeds Guideline CLTV of 85% Audited CLTV of 90% exceeds Guideline CLTV of 85%. Lender provided approved exception dated post consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-02/04/2026<br>| UW approval.pdf |  | DTI 29% vs Max 50%<br> Mortgage History dated back to XXXX shows no lates. | CA | Primary Residence | Refinance | Cash Out - Other | 6921432 | Investor Post-Close | No |
| XXXXXXX | **38384243** |  |  | Closed | 2026-01-13 12:48 | 2026-02-04 07:52 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-Lender provided E-consent showing dated and esigned by borrower on XX/XX/XXXX. Finding resolved. - Due Diligence Vendor-02/04/2026 <br> Counter-Document Uploaded. - Buyer-01/23/2026 <br> Counter- - Due Diligence Vendor-01/19/2026 <br> Resolved-No attachment provided. The loan file contains a Borrower Contact Consent, signed and dated XX/XX/XXXX. however, there are documents that were e-signed XX/XX/XXXX. Need e-consent signed and dated prior to the first e-signed document. - Due Diligence Vendor-01/19/2026 <br> Ready for Review-e consent attached - Due Diligence Vendor-01/15/2026 <br> Open-E-Consent documentation is missing for borrower(s) - Due Diligence Vendor-01/13/2026 |  | Resolved-Lender provided E-consent showing dated and esigned by borrower on XX/XX/XXXX. Finding resolved. - Due Diligence Vendor-02/04/2026 <br> Resolved-No attachment provided. The loan file contains a Borrower Contact Consent, signed and dated XX/XX/XXXX. however, there are documents that were e-signed XX/XX/XXXX. Need e-consent signed and dated prior to the first e-signed document. - Due Diligence Vendor-01/19/2026 | E CONSENT.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7070820 | N/A | N/A |
| XXXXXXX | **34857046** |  |  | Closed | 2026-01-07 13:32 | 2026-02-04 08:07 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-Lender provided Initial Closing Disclosure dated XX/XX/XXXX, faxed over to borrowers and e-signed on XX/XX/XXXX. Lender provided E-consent dated XX/XX/XXXX showing borrower e-signed consent. Finding resolved. - Due Diligence Vendor-02/04/2026 <br> Open-Document Uploaded. Hello, <br> the initial CD was delivered and electronically by the borrower on XX/XX/XXXX, which is 3 days prior to consummation. Please advise - Buyer-01/22/2026 <br> Open-The Initial Closing Disclosure was provided on (XX/XX/XXXX) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (XX/XX/XXXX). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (XX/XX/XXXX), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (XX/XX/XXXX), for consummation to occur on (XX/XX/XXXX). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial CD reflects a Date Issued of XX/XX/XXXX. eSignature on initial CD is null and void due to the missing eConsent form. Therefore, the Mailbox Rule/Presumed Receipt is applied and borrower was not in receipt of initial CD 3 business days prior to consummation of XX/XX/XXXX. No Cure. - Due Diligence Vendor-01/07/2026 <br> Open- - Due Diligence Vendor-01/07/2026 |  | Resolved-Lender provided Initial Closing Disclosure dated XX/XX/XXXX, faxed over to borrowers and e-signed on XX/XX/XXXX. Lender provided E-consent dated XX/XX/XXXX showing borrower e-signed consent. Finding resolved. - Due Diligence Vendor-02/04/2026 | Closing disclosure.pdf |  |  | IL | Primary Residence | Refinance | Cash Out - Other | 6966716 | N/A | N/A |
| XXXXXXX | **34857046** |  |  | Closed | 2026-01-03 09:11 | 2026-02-04 08:00 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-Lender provided E-consent dated and e-signed by borrower on XX/XX/XXXX. Finding resolved. - Due Diligence Vendor-02/04/2026 <br> Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-02/04/2026 <br> Open-Document Uploaded. - Buyer-01/22/2026 <br> Open-E-Consent documentation is missing for borrower(s). E-Consent documentation is missing for borrower(s) - Due Diligence Vendor-01/03/2026 |  | Resolved-Lender provided E-consent dated and e-signed by borrower on XX/XX/XXXX. Finding resolved. - Due Diligence Vendor-02/04/2026 <br> Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-02/04/2026 | E CONSENT.pdf |  |  | IL | Primary Residence | Refinance | Cash Out - Other | 6905800 | N/A | N/A |
| XXXXXXX | **39954240** |  |  | Closed | 2026-01-05 13:14 | 2026-02-04 08:19 | Resolved | 1 - Information | Compliance | Missing Doc | HPML: Most Recent Primary Appraisal Not Provided to Applicant | Resolved-Lender provided appraisal with date of XX/XX/XXXX, which is in line with delivery date, finding resolved. - Due Diligence Vendor-02/04/2026 <br> Resolved-HPML Compliant: Evidence provided of delivery of most recent primary appraisal to applicant. - Due Diligence Vendor-02/04/2026 <br> Open-HPML Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. HPML: Most Recent Primary Appraisal Date of XX/XX/XXXX is after the Primary Appraisal Delivery Date of XX/XX/XXXX. - Due Diligence Vendor-01/05/2026 |  | Resolved-Lender provided appraisal with date of XX/XX/XXXX, which is in line with delivery date, finding resolved. - Due Diligence Vendor-02/04/2026 <br> Resolved-HPML Compliant: Evidence provided of delivery of most recent primary appraisal to applicant. - Due Diligence Vendor-02/04/2026 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 6919506 | N/A | N/A |
| XXXXXXX | **39171227** |  |  | Closed | 2026-02-19 09:24 | 2026-02-19 09:24 | Acknowledged | 1 - Information | Property | Value | S&P value equals C, junior lien and no secondary product | Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/19/2026 |  | Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/19/2026<br>|  |  |  | CA | Investment | Refinance | Cash Out - Other | 7698025 | Investor Post-Close | No |
| XXXXXXX | **34423740** |  |  | Closed | 2026-01-13 06:06 | 2026-02-04 09:55 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-Lender provided E-consent dated and e-signed by borrower on XX/XX/XXXX, Finding resolved. - Due Diligence Vendor-02/04/2026 <br> Counter-Document Uploaded. - Buyer-01/23/2026 <br> Counter-No documentation attached. Please resent required documentation. Finding remains. - Due Diligence Vendor-01/22/2026 <br> Ready for Review-E CONSENT ATTACHED. - Due Diligence Vendor-01/20/2026 <br> Open-E-Consent documentation is missing for borrower(s). - Due Diligence Vendor-01/13/2026 |  | Resolved-Lender provided E-consent dated and e-signed by borrower on XX/XX/XXXX, Finding resolved. - Due Diligence Vendor-02/04/2026 | E CONSENT.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7057059 | N/A | N/A |
| XXXXXXX | **31127553** |  |  | Closed | 2026-01-15 14:59 | 2026-02-04 09:58 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for the borrower(s) | Resolved-lender provided E-consent dated and e-signed by borrower on XX/XX/XXXX, Finding resolved. - Due Diligence Vendor-02/04/2026 <br> Counter-Document Uploaded. - Buyer-01/23/2026 <br> Counter-No documentation is attached. Please resend required documentation. Finding remains. - Due Diligence Vendor-01/22/2026 <br> Ready for Review-E CONSENT ATTACHED. - Due Diligence Vendor-01/20/2026 <br> Open-E-Consent documentation is missing for the borrower(s). Borrower electronically signed documents on XX/XX/XXXX. The Borrower Contact Consent Form allowing email communication is signed and dated XX/XX/XXXX. Provide E-consent signed and dated prior to or on XX/XX/XXXX. - Due Diligence Vendor-01/15/2026 |  | Resolved-lender provided E-consent dated and e-signed by borrower on XX/XX/XXXX, Finding resolved. - Due Diligence Vendor-02/04/2026 | E CONSENT.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7120017 | N/A | N/A |
| XXXXXXX | **31312020** |  |  | Closed | 2026-01-13 06:12 | 2026-02-04 10:04 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-lender provided E-consent dated and e-signed by both borrowers on XX/XX/XXXX, Finding resolved. - Due Diligence Vendor-02/04/2026 <br> Counter-Document Uploaded. - Buyer-01/23/2026 <br> Counter-No documentation attached. Please resend required documentation. Finding remains. - Due Diligence Vendor-01/22/2026 <br> Ready for Review-re-attached and submitted, please review. - Due Diligence Vendor-01/21/2026 <br> Counter-Please resend. There is no attachment. - Due Diligence Vendor-01/15/2026 <br> Ready for Review-E consent attached. - Due Diligence Vendor-01/14/2026 <br> Open-E-Consent documentation is missing for borrower(s). Borrowers e-signed documents on XX/XX/XXXX. The Borrower Contact Consent Form in file was signed and dated XX/XX/XXXX. Provide E-Consent for both borrowers signed and dated prior to XX/XX/XXXX. - Due Diligence Vendor-01/13/2026 |  | Resolved-lender provided E-consent dated and e-signed by both borrowers on XX/XX/XXXX, Finding resolved. - Due Diligence Vendor-02/04/2026 | E CONSENT.pdf |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7057164 | N/A | N/A |
| XXXXXXX | **35881400** |  |  | Closed | 2026-01-09 07:45 | 2026-02-12 08:11 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-E-consent was provided for the borrower, finding resolved - Due Diligence Vendor-02/12/2026 <br> Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-02/12/2026 <br> Ready for Review-E consent for the correct borrower has been uploaded to the sharefile. - Due Diligence Vendor-02/05/2026 <br> Counter-Lender provided E-consent with wrong borrowers, need E-consent with correct borrowers. finding remains - Due Diligence Vendor-02/04/2026 <br> Counter-Document Uploaded. - Buyer-01/23/2026 <br> Counter-No documentation attached. Please resend required documentation. Finding remains. - Due Diligence Vendor-01/22/2026 <br> Ready for Review-re-attached, please review. - Due Diligence Vendor-01/21/2026 <br> Counter-Please resend. There is no attachment. - Due Diligence Vendor-01/15/2026 <br> Ready for Review-E CONSENT ATTACHED. - Due Diligence Vendor-01/14/2026 <br> Open-E-Consent documentation is missing for borrower(s). E-Consent documentation for B2, dated XX/XX/XXXX, is expired. The Borrower Contact Consent form in file is signed and dated XX/XX/XXXX. Documents are e-signed XX/XX/XXXX. Need E-Consent for both borrowers dated prior to first e-signed document. - Due Diligence Vendor-01/09/2026 |  | Resolved-E-consent was provided for the borrower, finding resolved - Due Diligence Vendor-02/12/2026 <br>Resolved-E-Consent documentation for borrower(s) provided. - Due Diligence Vendor-02/12/2026<br>| E CONSENT.pdf |  |  | FL | Primary Residence | Refinance | Cash Out - Other | 7002617 | N/A | N/A |
| XXXXXXX | **36789301** |  |  | Closed | 2026-01-14 05:17 | 2026-02-04 10:02 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date (Investment Property Warnings) | Resolved-E consent received dated XX/XX/XXXX, finding resolved. - Due Diligence Vendor-02/04/2026 <br> Counter-Document Uploaded. - Seller-01/23/2026 <br> Counter-E-Consent documentation not provided. Finding remains. - Due Diligence Vendor-01/22/2026 <br> Ready for Review-The initital CD was viewed and e-signed XX/XX/XXXX which is in compliance. - Due Diligence Vendor-01/20/2026 <br> Open-The Initial Closing Disclosure was provided on (XX/XX/XXXX) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (XX/XX/XXXX). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (XX/XX/XXXX), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (XX/XX/XXXX), for consummation to occur on (XX/XX/XXXX). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial CD reflects Date Issued of XX/XX/XXXX with no acknowledgment of receipt on the part of the borrower. Mailbox Rule/Presumed Receipt applied and borrower not in receipt of Initial CD 3 business days prior to consummation of XX/XX/XXXX. No Cure. - Due Diligence Vendor-01/14/2026 <br> Open- - Due Diligence Vendor-01/14/2026 |  | Resolved-E consent received dated XX/XX/XXXX, finding resolved. - Due Diligence Vendor-02/04/2026 | XXXXXXXXXXXX_Closing Disclosure (Alternate)_XXXXXXXXXXXX_XXXXXXXXXXXX.pdf<br> XXXXXXXXXXXX_Notice of Change Circumstances Reasons (CD)_XXXXXXXXXXXX_XXXXXXXXXXXX.pdf<br> XXXXXXXXXXXX_Closing Disclosure (Alternate)_1_XXXXXXXXXXXX_XXXXXXXXXXXX.pdf<br> XXXXXXXXXXXX_Closing Disclosure (Alternate)_2_XXXXXXXXXXXX_XXXXXXXXXXXX.pdf<br> CLOSING DISCLOSURE.pdf |  |  | CA | Investment | Refinance | Cash Out - Other | 7081762 | N/A | N/A |
| XXXXXXX | **36789301** |  |  | Closed | 2026-01-14 05:17 | 2026-02-04 10:01 | Resolved | 1 - Information | Compliance | Tolerance:Disclosure | Federal - Closing Disclosure and Consummation Date | Resolved-E consent received dated 11/25/2025, finding resolved. - Due Diligence Vendor-02/04/2026 <br> Counter-Document Uploaded. - Seller-01/23/2026 <br> Counter-E-Consent documentation not provided. Finding remains. - Due Diligence Vendor-01/22/2026 <br> Ready for Review-The initital CD was viewed and e-signed XX/XX/XXXX which is in compliance. - Due Diligence Vendor-01/20/2026 <br> Open-The Initial Closing Disclosure was provided on (XX/XX/XXXX) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction not later than three business days prior to the consummation date of (XX/XX/XXXX). Since the Initial Closing Disclosure was not provided in person, a consumer is considered to have received it on (XX/XX/XXXX), which is three business days after it was delivered or placed in the mail. Since the Initial Closing Disclosure was not provided to the consumer in person, it should have been provided to the consumer no later than (XX/XX/XXXX), for consummation to occur on (XX/XX/XXXX). (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) Initial CD reflects Date Issued of XX/XX/XXXX with no acknowledgment of receipt on the part of the borrower. Mailbox Rule/Presumed Receipt applied and borrower not in receipt of Initial CD 3 business days prior to consummation of XX/XX/XXXX. No Cure. - Due Diligence Vendor-01/14/2026 <br> Open- - Due Diligence Vendor-01/14/2026 |  | Resolved-E consent received dated XX/XX/XXXX, finding resolved. - Due Diligence Vendor-02/04/2026 | XXXXXXXXXXXX_Closing Disclosure (Alternate)_XXXXXXXXXXXX_XXXXXXXXXXXX.pdf<br> XXXXXXXXXXXX_Notice of Change Circumstances Reasons (CD)_XXXXXXXXXXXX_XXXXXXXXXXXX.pdf<br> XXXXXXXXXXXX_Closing Disclosure (Alternate)_1_XXXXXXXXXXXX_XXXXXXXXXXXX.pdf<br> XXXXXXXXXXXX_Closing Disclosure (Alternate)_2_XXXXXXXXXXXX_XXXXXXXXXXXX.pdf<br> CLOSING DISCLOSURE.pdf |  |  | CA | Investment | Refinance | Cash Out - Other | 7081763 | N/A | N/A |
| XXXXXXX | **36789301** |  |  | Closed | 2026-01-09 14:37 | 2026-02-04 10:01 | Resolved | 1 - Information | Compliance | Disclosure | E-Consent documentation is missing for borrower(s) | Resolved-E consent received dated XX/XX/XXXX, finding resolved. - Due Diligence Vendor-02/04/2026 <br> Counter-Document Uploaded. - Buyer-01/23/2026 <br> Counter-No documentation is attached. Please resend required documentation. Finding remains. - Due Diligence Vendor-01/22/2026 <br> Ready for Review-E CONSENT ATTACHED. - Due Diligence Vendor-01/20/2026 <br> Open-E-Consent documentation is missing for borrower(s). - Due Diligence Vendor-01/09/2026 |  | Resolved-E consent received dated XX/XX/XXXX, finding resolved. - Due Diligence Vendor-02/04/2026 | E CONSENT.pdf |  |  | CA | Investment | Refinance | Cash Out - Other | 7014811 | N/A | N/A |
| XXXXXXX | **39155654** |  |  | Closed | 2026-03-06 15:28 | 2026-03-06 15:28 | Acknowledged | 2 - Non-Material | Compliance | Missing Doc | ECOA: Most Recent Primary Appraisal Not Provided to Applicant | Acknowledged-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of XX/XX/XXXX is after the Primary Appraisal Delivery Date of XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-03/06/2026 |  | Acknowledged-ECOA Non-Compliant: Most Recent Primary Appraisal Not Provided to Applicant. ECOA: Most Recent Primary Appraisal Date of XX/XX/XXXX is after the Primary Appraisal Delivery Date of XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-03/06/2026 |  |  |  | CA | Primary Residence | Refinance | Cash Out - Other | 7979945 | Investor Post-Close | No |

---

## Exhibit 99.8

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.8 - Schedule 4**

---

| | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** |
| **EDGAR ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** | **DBRS/Morningstar** | **Kroll** | **S&P** | **Moodys** | **DBRS/Morningstar** | **Kroll** | **S&P** | **Moodys** |
| **36791774** |  |  | $XXXXXXX A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| **35213730** |  |  | $XXXXXXX A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| **33301565** |  |  | $XXXXXXX D C | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| **37278123** |  |  | $XXXXXXX A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| **35450774** |  |  | $XXXXXXX A C | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| **38668038** |  |  | $XXXXXXX A C | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A B |
| **36062894** |  |  | $XXXXXXX A | N/A D | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| **39061266** |  |  | $XXXXXXX A C | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| **35462936** |  |  | $XXXXXXX A C | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| **34954724** |  |  | $XXXXXXX A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| **35949332** |  |  | $XXXXXXX D A | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A B |
| **34693597** |  |  | $XXXXXXX D A | N/A | N/A | N/A | N/A D B | N/A | N/A | N/A | N/A B |
| **35571432** |  |  | $XXXXXXX C A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A B |
| **38384243** |  |  | $XXXXXXX A C | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| **34857046** |  |  | $XXXXXXX A C | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| **39954240** |  |  | $XXXXXXX A D | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A |
| **39171227** |  |  | $XXXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| **34423740** |  |  | $XXXXXXX A C | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| **31127553** |  |  | $XXXXXXX A C | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| **38510520** |  |  | $XXXXXXX A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| **31312020** |  |  | $XXXXXXX A C | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| **35881400** |  |  | $XXXXXXX A C | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| **36789301** |  |  | $XXXXXXX A C | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A |
| **39155654** |  |  | $XXXXXXX A B | N/A | N/A | N/A | N/A B | N/A | N/A | N/A | N/A B |

---

## Exhibit 99.8

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.8 - Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 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 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 242 | 243 | 244 | 245 | 246 | 247 | 248 | 249 | 250 | 251 | 252 | 253 | 254 | 255 | 256 | 257 | 258 | 259 | 260 | 261 | 262 | 263 | 264 | 265 | 266 | 267 | 268 | 269 |
| **EDGAR ID** | **Seller Loan ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Co Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Borrower Award/Offer Letter** | **Co Borrower Award/Offer Letter** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower WVOE Flag** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower WVOE Flag** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Subordinate Lien 2 Type** | **Subordinate Lien 2 Max Draw Amount (HELOC)** | **Subordinate Lien 3 Type** | **Subordinate Lien 3 Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** | **Maturity Date** | **Borrower 1 Trust Name** | **Borrower 2 Trust Name** | **Borrower 3 Trust Name** | **Borrower 4 Trust Name** |
| **36791774** |  |  | XXXXXXX | XXXXXXX | XXXXXXX | No | XXXXXXX | XXXXXXX | 12/02/2025 | v2025_12_2nd | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 5.980% | Manual Underwriting | Manual Underwriting | No | 10.915% |  | 10.375% | 10.375% | $3123.65 | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $0.00 | $XXXXXX | $7726.06 | $XXXXXX | N/A |  |  | $0.00 |  |  | 47.56% | 47.40% | 47.40% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 1 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | Yes | 60 | 26 | FNMA 1005 | Yes | 178 | 25 | Other | No | 0 |  |  | Borrower - Wage, Overtime, Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2026","2025","2024"] - 2026, 2025, 2024 \|\| Co Borrower - Wage, Overtime, Wage - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2026","2025","2024"] - 2026, 2025, 2024 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2026","2025","2024"] - 2026, 2025, 2024 \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2026","2025","2024"] - 2026, 2025, 2024 | XXXXXXX | XXXXXXX | CA | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXXX | XX/XX/XXXXX |  |  | 668 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 75.71 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| **35213730** |  |  | XXXXXXX | XXXXXXX | XXXXXXX | No | XXXXXXX | XXXXXXX | 12/02/2025 | v2025_12_2nd | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.130% | Manual Underwriting | Manual Underwriting | No | 8.807% |  | 8.375% | 8.375% | $2090.20 | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $7399.64 | $XXXXXX | N/A | XXXXXXXX | CA | $XXXXXX | XX/XX/XXXX | Monthly | 42.26% | 40.84% | 40.84% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | Tax Preparer |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - YTD Profit And Loss Verified - ["2025"] - 2025 | Borrower - ["2025"] - 2025 | XXXXXXX | XXXXXXX | CA | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXXX |  |  |  | 721 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 262624.58 | 35.5 | No | 74.96 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| **33301565** |  |  | XXXXXXX | XXXXXXX | XXXXXXX | No | XXXXXXX | XXXXXXX | 12/02/2025 | v2025_12_2nd | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.100% | Manual Underwriting | Manual Underwriting | No | 9.398% |  | 8.875% | 8.875% | $2896.15 | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $0.00 | $XXXXXX | $5269.79 | $XXXXXX | N/A | XXXXXXXX | AZ | $0.00 | XX/XX/XXXX | Monthly | 49.99% | 49.89% | 49.89% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - Business Bank Statements Verified \|\| Co Borrower - SESoleProprietor - Business Bank Statements Verified | Borrower \|\| Co Borrower | XXXXXXX | XXXXXXX | AZ | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXXX | XX/XX/XXXXX |  |  | 783 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | AZ | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | AZ | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 3098.90 | 0.6 | 3098.90 | 0.6 | No | 84.11 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| **37278123** |  |  | XXXXXXX | XXXXXXX | XXXXXXX | No | XXXXXXX | XXXXXXX | 12/02/2025 | v2025_12_2nd | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.130% | Manual Underwriting | Manual Underwriting | No | 7.649% |  | 7.250% | 7.250% | $1321.72 | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $0.00 | $XXXXXX | $3762.14 | $XXXXXX | N/A |  |  | $0.00 |  |  | 41.80% | 41.80% | 41.80% | No | No |  |  |  |  |  |  | Self-Employed | Employed |  |  |  |  | 12 Month Bank Statement | 0 | 2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | Yes | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 63.01% | 100.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | Yes | 24 | 24 | Other | No | 0 |  |  | Borrower - SESCorp, SSI and Disability, Other REO Net Rental Income(Loss) - Award Letter Verified, Business Bank Statements Verified - ["2026","2025"] - 2026, 2025 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS Executed 4506T Verified - ["2024","2025","2026"] - 2024, 2025, 2026 | Borrower - ["2026","2025"] - 2026, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified - ["2024","2025","2026"] - 2024, 2025, 2026 | XXXXXXX | XXXXXXX | FL | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXXX | XX/XX/XXXXX |  |  | 785 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 54.91 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| **35450774** |  |  | XXXXXXX | XXXXXXX | XXXXXXX | No | XXXXXXX | XXXXXXX | 12/02/2025 | v2025_12_2nd | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 5.980% | Manual Underwriting | Manual Underwriting | No | 8.130% |  | 7.875% | 7.875% | $1812.67 | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $0.00 | $XXXXXX | $5418.68 | $XXXXXX | N/A |  |  | $0.00 |  |  | 38.14% | 38.14% | 38.14% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - YTD Profit And Loss Verified - ["2024","2026"] - 2024, 2026 | Borrower - ["2024","2026"] - 2024, 2026 | XXXXXXX | XXXXXXX | CA | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXXX |  |  |  | 739 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 54.45 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| **38668038** |  |  | XXXXXXX | XXXXXXX | XXXXXXX | No | XXXXXXX | XXXXXXX | 12/02/2025 | v2025_12_2nd | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 |  | 0.000% | Manual Underwriting | Manual Underwriting | No | 8.680% |  | 8.500% | 8.500% | $1547.15 | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $0.00 | $XXXXXX | $4089.02 | $XXXXXX | N/A |  |  | $0.00 |  |  | 39.33% | 38.59% | 38.59% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 1 | 0 |  |  | 3 | 1 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - Commission, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 1 YR Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified, 1040 Schedule E Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 1 YR Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, IRS Transcripts Verified, 1040 Schedule E Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXXXXXX | XXXXXXX | NH | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXXX |  |  |  | 758 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | NH | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 69.98 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| **36062894** |  |  | XXXXXXX | XXXXXXX | XXXXXXX | No | XXXXXXX | XXXXXXX | 12/02/2025 | v2025_12_2nd | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 |  | 0.000% | Manual Underwriting | Manual Underwriting | No | 9.152% |  | 8.750% | 8.750% | $2688.55 | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $0.00 | $XXXXXX | $5424.32 | $XXXXXX | N/A |  |  | $0.00 |  |  | 46.02% | 46.02% | 46.02% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | Yes | No | 84 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | Yes | 123 | 36 | Work Number |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Bonus, Asset Depletion, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss), Other REO Net Rental Income(Loss) - Written VOE Verified, 2 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXXXXXX | XXXXXXX | CA | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXXX |  |  |  | 804 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Other | Patriot Act Form | CA | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 74.75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| **39061266** |  |  | XXXXXXX | XXXXXXX | XXXXXXX | No | XXXXXXX | XXXXXXX | 12/02/2025 | VPM_Matrix_20251202 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.290% | Manual Underwriting | Manual Underwriting | No | 8.091% |  | 7.625% | 7.625% | $1769.48 | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $4500.28 | $XXXXXX | N/A | XXXXXXXX | GA | $XXXXXX | XX/XX/XXXX | Monthly | 37.78% | 37.78% | 37.78% | No |  |  |  |  |  |  |  | Retired |  |  |  |  |  | Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | Yes |  | No | No | 60 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Asset Depletion, SSI and Disability - 2 YRS Executed 4506T Verified, Award Letter Verified - ["2025"] - 2025 | Borrower - 2 YRS Executed 4506T Verified - ["2025"] - 2025 | XXXXXXX | XXXXXXX | GA | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXXX |  |  |  | 779 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | GA | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 71.65 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX | XXXXXXXX |  |  |  |
| **35462936** |  |  | XXXXXXX | XXXXXXX | XXXXXXX | No | XXXXXXX | XXXXXXX | 12/02/2025 | v2025_12_2nd | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.240% | Manual Underwriting | Manual Underwriting | No | 8.423% |  | 8.000% | 8.000% | $1320.78 | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $0.00 | $XXXXXX | $5415.75 | $XXXXXX | N/A |  |  | $0.00 |  |  | 31.21% | 31.21% | 31.21% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 1 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 2 | NA | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | Yes | Yes | 12 | 0 | 73.83% | 100.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | Yes | 19 | 19 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Commission, SESCorp - 1 YR W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 2 YRS IRS Transcripts Verified, Personal Bank Statements Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - SESCorp - Personal Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - 2 YRS IRS Transcripts Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - ["2024","2025"] - 2024, 2025 | XXXXXXX | XXXXXXX | CA | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXXX | XX/XX/XXXXX |  |  | 726 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 49.97 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX | XXXXXXXX | XXXXXXXX |  |  |
| **34954724** |  |  | XXXXXXX | XXXXXXX | XXXXXXX | No | XXXXXXX | XXXXXXX | 12/02/2025 | NA | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 |  | 0.000% | Manual Underwriting | Manual Underwriting | No | 9.017% |  | 8.375% | 8.375% | $760.07 | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $0.00 | $XXXXXX | $2479.82 | $XXXXXX | N/A |  |  | $0.00 |  |  | 45.88% | 45.88% | 45.88% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | XXXXXXX | XXXXXXX | CA | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXXX |  |  |  | 800 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 76.12 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| **35949332** |  |  | XXXXXXX | XXXXXXX | XXXXXXX | No | XXXXXXX | XXXXXXX | 09/10/2025 | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 9.125% | 9.125% | $732.27 | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $3491.41 |  | Yes | XXXXXXXX | CA | $XXXXXX | XX/XX/XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.002 | 1.002 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXXX | XXXXXXX | CA | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXXX |  |  |  | 709 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 82277.44 | 23.6 | No | 40.08 | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX | XXXXXXXX |  |  |  |
| **34693597** |  |  | XXXXXXX | XXXXXXX | XXXXXXX | No | XXXXXXX | XXXXXXX | 09/10/2025 | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 10.125% | 10.125% | $517.33 | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $0.00 | $XXXXXX | $4965.37 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 1.304 | 1.304 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXXX | XXXXXXX | GA | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXXX |  |  |  | 733 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | MS | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 54007.52 | 10.9 | No | 80 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| **35571432** |  |  | XXXXXXX | XXXXXXX | XXXXXXX | No | XXXXXXX | XXXXXXX | 12/02/2025 | v2025_12_2nd | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.260% | Manual Underwriting | Manual Underwriting | No | 11.428% |  | 10.750% | 10.750% | $1654.92 | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $0.00 | $XXXXXX | $16456.42 | $XXXXXX | N/A |  |  | $0.00 |  |  | 20.84% | 20.81% | 20.81% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | XXXXXXX | XXXXXXX | CA | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXXX |  |  |  | 742 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| **38384243** |  |  | XXXXXXX | XXXXXXX | XXXXXXX | No | XXXXXXX | XXXXXXX | 09/10/2025 | v2025_10 | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.260% | Manual Underwriting | Manual Underwriting | No | 8.535% |  | 8.375% | 8.375% | $1900.18 | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $5966.91 | $XXXXXX | Yes | XXXXXXXX | CA | $XXXXXX | XX/XX/XXXX | Monthly | 39.82% | 39.82% | 39.82% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Borrower Prepared | 12 | Borrower |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - YTD Profit And Loss Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | XXXXXXX | XXXXXXX | CA | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXXX |  |  |  | 707 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 58.83 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX | XXXXXXXX |  |  |  |
| **34857046** |  |  | XXXXXXX | XXXXXXX | XXXXXXX | No | XXXXXXX | XXXXXXX | 12/02/2025 | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.260% | Manual Underwriting | Manual Underwriting | No | 8.160% |  | 7.875% | 7.875% | $3625.35 | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $7862.53 | $XXXXXX | N/A | XXXXXXXX | IL | $XXXXXX | XX/XX/XXXX | Monthly | 43.83% | 43.83% | 43.83% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 0.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, SESoleProprietor - Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower | Borrower - ["2025","2024"] - 2025, 2024 \|\| Co Borrower | XXXXXXX | XXXXXXX | IL | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXXX | XX/XX/XXXXX |  |  | 802 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | IL | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | IL | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 65.89 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| **39954240** |  |  | XXXXXXX | XXXXXXX | XXXXXXX | No | XXXXXXX | XXXXXXX | 12/02/2025 | v2025_12_2nd | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.260% | Manual Underwriting | Manual Underwriting | No | 9.949% |  | 9.500% | 9.500% | $1555.58 | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $4390.41 | $XXXXXX | Yes | XXXXXXXX | CA | $XXXXXX | XX/XX/XXXX | Monthly | 49.37% | 49.37% | 49.37% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | XXXXXXX | XXXXXXX | CA | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXXX |  |  |  | 692 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | AZ | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 70.98 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| **39171227** |  |  | XXXXXXX | XXXXXXX | XXXXXXX | No | XXXXXXX | XXXXXXX | 09/10/2025 | V1 | XX/XX/XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.500% | 8.500% | $3167.92 | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $15754.10 |  | Yes | XXXXXXXX | CA | $XXXXXX | XX/XX/XXXX | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio |  |  |  |  |  | 0 |  |  |  |  |  |  | 0 | 0 |  |  | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  |  | 0 |  |  |  |  | 0 | No |  |  | 0 | 0 |  |  |  | 0 |  | Yes | 0.952 | 1.001 |  | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null CPA Letter Verified, null YTD Profit And Loss Verified, null Balance Sheet Verified, null W2 1099 Verified, null Paystubs Verified, null Written VOE Verified, null Executed 4506T Verified, null IRS Transcripts Verified, null Award Letter Verified, null Separation Agreement Verified, null Note Receivable Verified, null Personal Bank Statements Verified, null Business Bank Statements Verified, null Lease Agreements Verified, null 1040 Schedule E Verified | Borrower - null Personal Tax Returns Verified, null Business Tax Returns Verified(), null Executed 4506T Verified, null IRS Transcripts Verified, null 1040 Schedule E Verified | XXXXXXX | XXXXXXX | CA | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXXX |  |  |  | 741 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 396122.95 | 25.1 | No | 35.87 | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX | XXXXXXXX |  |  |  |
| **34423740** |  |  | XXXXXXX | XXXXXXX | XXXXXXX | No | XXXXXXX | XXXXXXX | 12/02/2025 | NA | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.260% | Manual Underwriting | Manual Underwriting | No | 8.788% |  | 8.375% | 8.375% | $2017.99 | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $0.00 | $XXXXXX | $4068.21 | $XXXXXX | N/A |  |  | $0.00 |  |  | 33.35% | 33.24% | 33.24% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | CPA |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - YTD Profit And Loss Verified - ["2025"] - 2025 | Borrower - ["2025"] - 2025 | XXXXXXX | XXXXXXX | CA | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXXX |  |  |  | 758 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | CA | United States | XX/XX/XXXX |  |  | I-151 Permanent Resident Card |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 69.12 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| **31127553** |  |  | XXXXXXX | XXXXXXX | XXXXXXX | No | XXXXXXX | XXXXXXX | 12/02/2025 | v2025_12_2nd | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.260% | Manual Underwriting | Manual Underwriting | No | 9.130% |  | 9.000% | 9.000% | $4023.11 | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $0.00 | $XXXXXX | $9771.51 | $XXXXXX | N/A |  |  | $0.00 |  |  | 22.37% | 22.37% | 22.37% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | XXXXXXX | XXXXXXX | CA | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXXX |  |  |  | 714 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 106579.61 | 10.9 | No | 77.17 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| **38510520** |  |  | XXXXXXX | XXXXXXX | XXXXXXX | No | XXXXXXX | XXXXXXX | 12/02/2025 | NA | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 5.770% | Manual Underwriting | Manual Underwriting | No | 10.358% |  | 9.625% | 9.625% | $966.64 | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $0.00 | $XXXXXX | $3551.02 | $XXXXXX | N/A |  |  | $0.00 |  |  | 38.52% | 37.88% | 37.88% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 | XXXXXXX | XXXXXXX | CA | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXXX |  |  |  | 674 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 74.99 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| **31312020** |  |  | XXXXXXX | XXXXXXX | XXXXXXX | No | XXXXXXX | XXXXXXX | 12/02/2025 | v2025_12_2nd | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.230% | Manual Underwriting | Manual Underwriting | No | 8.095% |  | 7.875% | 7.875% | $5474.27 | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $0.00 | $XXXXXX | $9591.58 | $XXXXXX | N/A |  |  | $0.00 |  |  | 21.96% | 21.96% | 21.96% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | Yes | Yes | 0 | 12 | 100.00% | 40.00% | 60.00% |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESCorp, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - SESCorp - Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - ["2025","2024"] - 2025, 2024 | XXXXXXX | XXXXXXX | CA | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXXX | XX/XX/XXXXX |  |  | 753 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Passport |  |  | United States | XX/XX/XXXX | USA | XX/XX/XXXX | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 360571.59 | 37.6 | No | 55.63 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX | XXXXXXXX | XXXXXXXX |  |  |
| **35881400** |  |  | XXXXXXX | XXXXXXX | XXXXXXX | No | XXXXXXX | XXXXXXX | 09/10/2025 | v2025_09_2nd | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.190% | Manual Underwriting | Manual Underwriting | No | 8.084% |  | 7.625% | 7.625% | $707.79 | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $0.00 | $0.00 | $XXXXXX | $2953.09 | $XXXXXX | N/A |  |  | $0.00 |  |  | 38.76% | 38.78% | 38.78% | No | No |  |  |  |  |  |  | Retired | Self-Employed |  |  |  |  | 1YR Business P&L | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 2 | NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | Borrower Prepared | Borrower | 9 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Retirement - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025"] - 2025 \|\| Co Borrower - SESoleProprietor, Retirement - YTD Profit And Loss Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025"] - 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXXXXXX | XXXXXXX | FL | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXXX | XX/XX/XXXXX |  |  | 722 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | FL | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 63.07 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX |  |  |  |  |
| **36789301** |  |  | XXXXXXX | XXXXXXX | XXXXXXX | No | XXXXXXX | XXXXXXX | 12/02/2025 | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 |  | 0.000% | Manual Underwriting | Manual Underwriting | No | 8.519% |  | 8.375% | 8.375% | $1953.39 | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $5602.43 | $XXXXXX | Yes | XXXXXXXX | CA | $XXXXXX | XX/XX/XXXX | Monthly | 48.64% | 48.94% | 48.94% | Yes | Yes |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | Full Doc | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 1 | 0 | 1 | 1 | Yes | Yes | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% | 100.00% |  | N/A | 0 | N/A | N/A | N/A | 0 NA | 0 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Retirement, Retirement, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified, Award Letter Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - SESoleProprietor - 1 YR Personal Tax Returns Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified, Award Letter Verified - ["2024"] - 2024 | Borrower - 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - 1 YR Personal Tax Returns Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024"] - 2024 | XXXXXXX | XXXXXXX | CA | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXXX | XX/XX/XXXXX |  |  | 801 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XX/XX/XXXX |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | 74.96 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XX/XX/XXXX | XXXXXXXX | XXXXXXXX |  |  |
| **39155654** |  |  | XXXXXXX | XXXXXXX | XXXXXXX | No | XXXXXXX | XXXXXXX | 12/02/2025 | N/A | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | N/A | $0.00 | XX/XX/XXXX | 6.140% | Manual Underwriting | Manual Underwriting | No | 8.319% |  | 7.750% | 7.750% | $945.66 | No | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $XXXXXX | $5679.50 | $XXXXXX | Yes | XXXXXXXX | CA | $XXXXXX | XX/XX/XXXX | Monthly | 49.14% | 47.80% | 47.80% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  | NA | 0 | No |  | Yes | 360 | 360 | Work Number |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Overtime, Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - ["2025","2024","2023"] - 2025, 2024, 2023 | XXXXXXX | XXXXXXX | CA | XXXXX | XXXXXX | XX/XX/XXXX | XX/XX/XXXXX |  |  |  | 734 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | United States | XX/XX/XXXX |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 137000.00 | 24 | .00 | 0 | No | 64.66 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A | XX/XX/XXXX |  |  |  |  |

---

## Exhibit 99.8

[Vista Point Assets LLC ABS-15G](vsta-abs15g.htm)

**Exhibit 99.8 - Schedule 6**

---

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| **EDGAR ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| **36791774** |  |  | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXX | 25.56 | 75.71 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **35213730** |  |  | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXX | 21.48 | 74.96 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **33301565** |  |  | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | AVM |  |  |  | $XXXXX | 41.12 | 84.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 89.0 | 0.11 | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **37278123** |  |  | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | AVM |  |  |  | $XXXXX | 27.59 | 54.91 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 93.0 | 0.07 | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **35450774** |  |  | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXX | 15.11 | 54.45 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **38668038** |  |  | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1025 Small Residential Income Report | XXXXXX | XXXXXX | XXXXXX | $XXXXX | 26.34 | 69.98 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **36062894** |  |  | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | AVM |  |  |  | $XXXXX | 35.28 | 74.75 |  |  |  |  |  |  |  | Missing |  |  |  |  |  |  |  |  | 90.0 | 0.1 | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **39061266** |  |  | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | AVM |  |  |  | $XXXXX | 24.68 | 71.65 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 93.0 | 0.07 | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **35462936** |  |  | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | AVM |  |  |  | $XXXXX | 12.17 | 49.97 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 90.0 | 0.1 | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **34954724** |  |  | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXX | 21.6 | 76.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **35949332** |  |  | XX/XX/XXXX | $XXXXXXX | 0 | 0 | $XXXXXXX | XX/XX/XXXX | AVM |  |  |  | $XXXXX | 10.41 | 40.08 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 94.0 | 0.06 | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **34693597** |  |  | XX/XX/XXXX | $XXXXXXX | 0 | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXX | 9.26 | 80.0 | $XXXXX | $XXXXX | -.0527 | AVM |  |  |  |  |  |  |  |  |  | $XXXXXX | $XXXXXX | -.0527 | 94.0 | 0.06 | XXXXXXX | XXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **35571432** |  |  | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXX | 7.9 | 90.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **38384243** |  |  | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | AVM |  |  |  | $XXXXX | 17.65 | 58.83 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 95.0 | 0.05 | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **34857046** |  |  | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXX | 43.44 | 65.89 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **39954240** |  |  | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXX | 21.76 | 70.98 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **39171227** |  |  | XX/XX/XXXX | $XXXXXXX | 0 | 0 | $XXXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXX | XXXXXX | XXXXXX | $XXXXX | 9.47 | 35.87 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **34423740** |  |  | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXX | 30.87 | 69.12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **31127553** |  |  | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXX | 29.41 | 77.17 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **38510520** |  |  | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXX | 15.46 | 74.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **31312020** |  |  | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1004 URAR | XXXXXX | XXXXXX | XXXXXX | $XXXXX | 29.61 | 55.63 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **35881400** |  |  | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | AVM |  |  |  | $XXXXX | 16.97 | 63.07 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 92.0 | 0.08 | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **36789301** |  |  | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | AVM |  |  |  | $XXXXX | 24.23 | 74.96 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 87.0 | 0.13 | XXXXXXX | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **39155654** |  |  | XX/XX/XXXX | $XXXXXXX |  | 0 | $XXXXXXX | XX/XX/XXXX | 1073 Individual Condo Report | XXXXXX | XXXXXX | XXXXXX | $XXXXX | 11.6 | 64.66 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

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