# EDGAR Filing Document

**Accession Number:** 0001803775
**File Stem:** 0001999371-26-011296
**Filing Date:** 2026-5
**Character Count:** 2783363
**Document Hash:** 5329d604070487f9a6044dfc4a8a87de
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001999371-26-011296.hdr.sgml**: 20260521

**ACCESSION NUMBER**: 0001999371-26-011296

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

**PUBLIC DOCUMENT COUNT**: 102

**CONFORMED PERIOD OF REPORT**: 20260521

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

**FILED AS OF DATE**: 20260521

**DATE AS OF CHANGE**: 20260521

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** MFRA NQM Depositor, LLC
- **CENTRAL INDEX KEY:** 0001803775

**ORGANIZATION NAME:**
- **EIN:** 472232021
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-04985
- **FILM NUMBER:** 261009867

**BUSINESS ADDRESS:**
- **STREET 1:** 350 PARK AVENUE
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10022
- **BUSINESS PHONE:** 212-207-6400

**MAIL ADDRESS:**
- **STREET 1:** 350 PARK AVENUE
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10022
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** MFRA NQM Depositor, LLC
- **CENTRAL INDEX KEY:** 0001803775

**ORGANIZATION NAME:**
- **EIN:** 472232021
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

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

**BUSINESS ADDRESS:**
- **STREET 1:** 350 PARK AVENUE
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10022
- **BUSINESS PHONE:** 212-207-6400

**MAIL ADDRESS:**
- **STREET 1:** 350 PARK AVENUE
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10022
**SECURITIZER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** MFRA NQM Depositor, LLC
- **CENTRAL INDEX KEY:** 0001803775

**ORGANIZATION NAME:**
- **EIN:** 472232021
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-04985

**BUSINESS ADDRESS:**
- **STREET 1:** 350 PARK AVENUE
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10022
- **BUSINESS PHONE:** 212-207-6400

**MAIL ADDRESS:**
- **STREET 1:** 350 PARK AVENUE
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10022

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

**<u>MFRA NQM DEPOSITOR, LLC</u>**

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

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

Date of Report (Date of earliest event reported) __________________

Commission File Number of securitizer: __________________

Central Index Key Number of securitizer:__________________

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

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

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

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

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

Central Index Key Number of depositor: 0001803775

MFA 2026-NQM2 Trust

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

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

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

Bryan Wulfsohn, 212-207-6431

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

**PART I: REPRESENTATION AND WARRANTY INFORMATION**

Item 1.01 Initial Filing of Rule l5Ga-1 Representations and Warranties Disclosure

Not Applicable

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

Not Applicable

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

Not Applicable

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

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

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

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

Not Applicable

**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.

---

| | | |
|:---|:---|:---|
|  | **MFRA NQM Depositor, llc** | **MFRA NQM Depositor, llc** |
| Date: May 21, 2026 | /s/ Bryan Wulfsohn | /s/ Bryan Wulfsohn |
|  | Name: | Bryan Wulfsohn |
|  | Title: | Vice President |

---

**EXHIBIT INDEX**

---

| | |
|:---|:---|
| [99.01](ex99-01.htm) | [AMC Diligence, LLC ("**AMC**") Narrative](ex99-01.htm) |

---

&nbsp;&nbsp;&nbsp;&nbsp;1. [AMC Exception Grades Report](ex9901s1.htm)

&nbsp;&nbsp;&nbsp;&nbsp;2. [AMC Exception Grades Report](ex9901s2.htm)

&nbsp;&nbsp;&nbsp;&nbsp;3. [AMC Valuation Report](ex9901s3.htm)

&nbsp;&nbsp;&nbsp;&nbsp;4. [AMC Supplemental Report](ex9901s4.htm)

&nbsp;&nbsp;&nbsp;&nbsp;5. [AMC Business Purpose Report](ex9901s5.htm)

---

| | |
|:---|:---|
| [99.02](ex99-02.htm) | [Consolidated Analytics, Inc. ("**CA**") Narrative](ex99-02.htm) |

---

&nbsp;&nbsp;&nbsp;&nbsp;1. [CA Data Compare Report](ex9902s1.htm)

&nbsp;&nbsp;&nbsp;&nbsp;2. [CA Due Diligence Standard Report](ex9902s2.htm)

&nbsp;&nbsp;&nbsp;&nbsp;3. [CA Rating Agency Grades Summary Report](ex9902s3.htm)

&nbsp;&nbsp;&nbsp;&nbsp;4. [CA Valuations Report](ex9902s4.htm)

&nbsp;&nbsp;&nbsp;&nbsp;5. [CA Supplement Report](ex9902s5.htm)

---

| | |
|:---|:---|
| [99.03](ex99-03.htm) | [Canopy Financial Technology Partners, LLC ("**Canopy**") Narrative](ex99-03.htm) |

---

&nbsp;&nbsp;&nbsp;&nbsp;1. [Canopy Supplemental Data Report](ex9903s1.htm)

&nbsp;&nbsp;&nbsp;&nbsp;2. [Canopy Rating Agency Grades Detail Report](ex9903s2.htm)

&nbsp;&nbsp;&nbsp;&nbsp;3. [Canopy Rating Agency Grades Summary Report](ex9903s3.htm)

&nbsp;&nbsp;&nbsp;&nbsp;4. [Canopy Valuation Report](ex9903s4.htm)

&nbsp;&nbsp;&nbsp;&nbsp;5. [Canopy ATR or QM Report](ex9903s5.htm)

&nbsp;&nbsp;&nbsp;&nbsp;6. [Canopy Data Compare Report](ex9903s6.htm)

---

| | |
|:---|:---|
| [99.04](ex99-04.htm) | [Clarifii LLC ("**Clarifii**") Narrative](ex99-04.htm) |

---

&nbsp;&nbsp;&nbsp;&nbsp;1. [Clarifii Valuation Report](ex9904s1.htm)

&nbsp;&nbsp;&nbsp;&nbsp;2. [Clarifii Supplemental Data Report](ex9904s2.htm)

&nbsp;&nbsp;&nbsp;&nbsp;3. [Clarifii Rating Agency Grades Summary Report](ex9904s3.htm)

&nbsp;&nbsp;&nbsp;&nbsp;4. [Clarifii Rating Agency Grades Detail Report](ex9904s4.htm)

&nbsp;&nbsp;&nbsp;&nbsp;5. [Clarifii ATR or QM Report](ex9904s5.htm)

---

| | |
|:---|:---|
| [99.05](ex99-05.htm) | [Clayton Services LLC ("**Clayton**") Narrative](ex99-05.htm) |

---

&nbsp;&nbsp;&nbsp;&nbsp;1. [Clayton Conditions Summary Report](ex9905s1.htm)

&nbsp;&nbsp;&nbsp;&nbsp;2. [Clayton Conditions Detail Report](ex9905s2.htm)

&nbsp;&nbsp;&nbsp;&nbsp;3. [Clayton Loan Grades Report](ex9905s3.htm)

&nbsp;&nbsp;&nbsp;&nbsp;4. [Clayton Valuations Summary Report](ex9905s4.htm)

&nbsp;&nbsp;&nbsp;&nbsp;5. [Clayton RA ATR QM Data Report](ex9905s5.htm)

&nbsp;&nbsp;&nbsp;&nbsp;6. [Clayton Non ATR QM Upload Report](ex9905s6.htm)

&nbsp;&nbsp;&nbsp;&nbsp;7. [Clayton Loan Level Tape Compare Report](ex9905s7.htm)

[99.06](ex99-06.htm) [Digital Risk, LLC ("DR") Narrative](ex99-06.htm)

&nbsp;&nbsp;&nbsp;&nbsp;1. [DR Loan Summary Report](ex9906s1.htm)

&nbsp;&nbsp;&nbsp;&nbsp;2. [DR Valuation Report](ex9906s2.htm)

&nbsp;&nbsp;&nbsp;&nbsp;3. [DR ATR Non-QM Report](ex9906s3.htm)

---

| | |
|:---|:---|
| [99.07](ex99-07.htm) | [Evolve Mortgage Services, LLC ("**Evolve**") Narrative](ex99-07.htm) |

---

&nbsp;&nbsp;&nbsp;&nbsp;1. [Evolve Rating Agency Grades Report](ex9907s1.htm)

&nbsp;&nbsp;&nbsp;&nbsp;2. [Evolve Exception Detail Report](ex9907s2.htm)

&nbsp;&nbsp;&nbsp;&nbsp;3. [Evolve Valuation Report](ex9907s3.htm)

&nbsp;&nbsp;&nbsp;&nbsp;4. [Evolve Data Compare Report](ex9907s4.htm)

&nbsp;&nbsp;&nbsp;&nbsp;5. [Evolve QM ATR Data Report](ex9907s5.htm)

&nbsp;&nbsp;&nbsp;&nbsp;6. [Evolve Additional Data Report](ex9907s6.htm)

&nbsp;&nbsp;&nbsp;&nbsp;7. [Evolve Business Purpose Report](ex9907s7.htm)

[99.08](ex99-08.htm) [Inglet Blair, LLC ("IB") Narrative](ex99-08.htm)

&nbsp;&nbsp;&nbsp;&nbsp;1. [IB Loan Summary Report](ex9908s1.htm)

&nbsp;&nbsp;&nbsp;&nbsp;2. [IB Final Grading Summary Report](ex9908s2.htm)

&nbsp;&nbsp;&nbsp;&nbsp;3. [IB QM Summary Report](ex9908s3.htm)

&nbsp;&nbsp;&nbsp;&nbsp;4. [IB Supplemental Data Report](ex9908s4.htm)

&nbsp;&nbsp;&nbsp;&nbsp;5. [IB Client Supplemental Report](ex9908s5.htm)

&nbsp;&nbsp;&nbsp;&nbsp;6. [IB Data Compare Report](ex9908s6.htm)

&nbsp;&nbsp;&nbsp;&nbsp;7. [IB Valuation Report](ex9908s7.htm)

---

| | |
|:---|:---|
| [99.09](ex99-09.htm) | [Infinity IPS, Inc. ("**Infinity**") Narrative](ex99-09.htm) |

---

&nbsp;&nbsp;&nbsp;&nbsp;1. [Infinity Rating Agency Grades Report](ex9909s1.htm)

&nbsp;&nbsp;&nbsp;&nbsp;2. [Infinity Loan Level Exception Report](ex9909s2.htm)

&nbsp;&nbsp;&nbsp;&nbsp;3. [Infinity Individual Exception Report](ex9909s3.htm)

&nbsp;&nbsp;&nbsp;&nbsp;4. [Infinity Valuation Report](ex9909s4.htm)

&nbsp;&nbsp;&nbsp;&nbsp;5. [Infinity Data Compare Report](ex9909s5.htm)

&nbsp;&nbsp;&nbsp;&nbsp;6. [Infinity Supplemental Data Report](ex9909s6.htm)

&nbsp;&nbsp;&nbsp;&nbsp;7. [Infinity Supplemental Data Report](ex9909s7.htm)

&nbsp;&nbsp;&nbsp;&nbsp;8. [Infinity Business Purpose Supplement Report](ex9909s8.htm)

&nbsp;&nbsp;&nbsp;&nbsp;9. [Infinity Rating Agency Grades Detail Report](ex9909s9.htm)

&nbsp;&nbsp;&nbsp;&nbsp;10. [Infinity Rating Agency Grades Summary Report](ex9909s10.htm)

&nbsp;&nbsp;&nbsp;&nbsp;11. [Infinity Valuation Report](ex9909s11.htm)

&nbsp;&nbsp;&nbsp;&nbsp;12. [Infinity ATR or QM Report](ex9909s12.htm)

&nbsp;&nbsp;&nbsp;&nbsp;13. [Data Compare Report](ex9909s13.htm)

---

| | |
|:---|:---|
| [99.10](ex99-10.htm) | [Maxwell Diligence Solutions, LLC ("**Maxwell**") Narrative](ex99-10.htm) |

---

&nbsp;&nbsp;&nbsp;&nbsp;1. [Maxwell Standard Exceptions Report](ex9910s1.htm)

&nbsp;&nbsp;&nbsp;&nbsp;2. [Maxwell Grading Report](ex9910s2.htm)

&nbsp;&nbsp;&nbsp;&nbsp;3. [Maxwell Valuation Report](ex9910s3.htm)

&nbsp;&nbsp;&nbsp;&nbsp;4. [Maxwell Supplemental Data Report](ex9910s4.htm)

&nbsp;&nbsp;&nbsp;&nbsp;5. [Maxwell Business Purpose Report](ex9910s5.htm)

&nbsp;&nbsp;&nbsp;&nbsp;6. [Maxwell Data Compare Report](ex9910s6.htm)

---

| | |
|:---|:---|
| [99.11](ex99-11.htm) | [Selene Diligence LLC ("**Selene**") Narrative](ex99-11.htm) |

---

&nbsp;&nbsp;&nbsp;&nbsp;1. [Selene Rating Agency Grades Summary Report](ex9911s1.htm)

&nbsp;&nbsp;&nbsp;&nbsp;2. [Selene Standard Findings Report](ex9911s2.htm)

&nbsp;&nbsp;&nbsp;&nbsp;3. [Selene Valuation Report](ex9911s3.htm)

&nbsp;&nbsp;&nbsp;&nbsp;4. [Selene Mortgage Loan Schedule Report](ex9911s4.htm)

&nbsp;&nbsp;&nbsp;&nbsp;5. [Selene Supplemental Data Report](ex9911s5.htm)

&nbsp;&nbsp;&nbsp;&nbsp;6. [Selene Business Purpose Report](ex9911s6.htm)

&nbsp;&nbsp;&nbsp;&nbsp;7. [Selene Data Compare Report](ex9911s7.htm)

## Exhibit 99.01

[MFA 2026-NQM2 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.01**

![](ex9901001.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

AMC Diligence, LLC ("AMC") performed the due diligence services described below (the "Review") on residential mortgage loans and leases acquired by MFA Financial Inc. (the "Client"). These mortgage loans, which were originated by multiple parties, were purchased by the Client in multiple bulk transactions or via Reliance Letter and were reviewed by AMC on behalf of such party. The mortgage loans were reviewed via files imaged and provided by the Client or its designee for review.

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

The diligence review (the "Review") was conducted on a portion of the securitization mortgage loan population reviewed by AMC. The total population covered during the Review varied by mortgage loan scope. The Client may have utilized multiple third-party review ("TPR") firms for the securitization and AMC did not review all of the mortgage loans in the securitization loan population for a specific scope of review.

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

▪ "Credit and Compliance Review": 2 mortgage loans

▪ "Data Integrity Review": 2 mortgage loans

Throughout the securitization process, the Client may have removed or added various mortgage loans from the securitization population for reasons that are unknown to AMC. AMC's disclosures herein reflect findings on the securitization population (as known by AMC) as of the date hereof.

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

The Compliance Review was conducted consistent with the criteria for the NRSRO(s) identified in Item 3 of the Form ABS Due Diligence-15E.

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

AMC compared data fields on the bid tape provided by the Client to the data found in the actual file as captured during the Compliance Review. The scope of this review and the findings are detailed later in this document.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;City | &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;State |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Original P&I |  |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;Purpose |  |

---

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

**<u>CREDIT AND COMPLIANCE SCOPE (2 Mortgage Loans)</u>**

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

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

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

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![](ex9901001.jpg)

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

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

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

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

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

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

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

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

If standard GSE forms were not used for the mortgage loan, AMC sought to confirm the existence of: (i) a "due on sale" clause, (ii) mortgagor's requirement to maintain adequate insurance at the mortgagor's own expense, and (iii) the holder's right to foreclose and to confirm that any homestead exemption has been waived as required by applicable law within the forms utilized.

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![](ex9901001.jpg)

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

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

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

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

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

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

With regard to TILA-RESPA Integrated Disclosure ("TRID") testing, AMC implemented the TRID scope of review referenced within the Regulatory Compliance section (III) based on (i) the RMBS 4.0 TRID Compliance Review Scope published by the Structured Finance Association ("SFA") (formerly, the Structured Finance Industry Group, "SFIG") (the "SFA Compliance Review Scope") and (ii) outside counsel's interpretations of the published regulations as of the date of review of each mortgage loan. AMC worked with outside counsel and continues to obtain updated interpretations relative to the informal guidance provided by the Consumer Financial Protection Bureau ("CFPB") which has caused alterations in the review scope and severity of TRID related exceptions, including applicable cures. (This will continue as necessary as additional guidance becomes available, as well as any future rulemaking.) While AMC continues to make a good faith effort to identify material TRID exceptions and apply the appropriate grading, the implementation of new regulations (including TRID) that impact residential mortgages carries certain interpretive risk and continues to evolve, impacting the review scope and exception severity. AMC has worked closely with the NRSROs and the Client to disclose, as mutually agreed upon by the parties, the relevant exceptions per AMC's suggested review implementation as reviewed by outside counsel; however, no assurances can be provided and/or are given that AMC has included within its Review all areas that may represent risk to the securitization trust, or that areas of risk identified by AMC will result in the potential level of risk indicated by an Event Level or NRSRO grade.

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![](ex9901001.jpg)

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty threshold test; and

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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&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 under the SFA Compliance Review Scope were accurately completed and that information was reflected in the appropriate locations, which, in certain instances, was based solely on the information disclosed on the LE;

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

*<u>Qualified Mortgage</u>*

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

---

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

---

---

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

---

---

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

---

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**(X) Recording Review**

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

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

**(XI) FIRREA Review**

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

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

**(XII) Document Review**

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ 4506T;

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
1003;

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

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

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

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&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
TIL;

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

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

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

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

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

**(9) Disclaimer**

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

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

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![](ex9901001.jpg)

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW** 

**COMPLIANCE RESULTS SUMMARY**

Within the securitization population, 2 mortgage loans under the Fitch rating criteria, 2 (100.00%) mortgage loans received an "B" compliance grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fitch Compliance** | &nbsp;&nbsp;**Fitch Compliance** | &nbsp;&nbsp;**Fitch Compliance** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** |

---

**CREDIT RESULTS SUMMARY**

Within the securitization population, 2 (100.00%) of the mortgage loans received an "B" credit grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fitch Credit** | &nbsp;&nbsp;**Fitch Credit** | &nbsp;&nbsp;**Fitch Credit** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** |

---

**PROPERTY/VALUATION RESULTS SUMMARY**

Within the securitization population, 2 (100.00%) of the mortgage loans received an "A" property grade.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fitch Property/Valuation** | &nbsp;&nbsp;**Fitch Property/Valuation** | &nbsp;&nbsp;**Fitch Property/Valuation** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &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;**2** | &nbsp;&nbsp;**100.00%** |

---

**OVERALL RESULTS SUMMARY**

After considering the grading implications of the Compliance, Credit, and Property/Valuation sections above, 2 (100.00%) of the loans by number in the pool possessed a NRSRO grade of "B".

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![](ex9901001.jpg)

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fitch Overall** | &nbsp;&nbsp;**Fitch Overall** | &nbsp;&nbsp;**Fitch Overall** |
| &nbsp;&nbsp;**Final Loan Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** |

---

**EXCEPTION SUMMARY (2 Mortgage Loans)**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Fitch Final Exception Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;GSE | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Disclosure | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Non-Required Data | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***6*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**6** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Data Verification | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***2*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**2** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**8** |

---

**DATA INTEGRITY REVIEW SUMMARY (2 Mortgage Loans)**

The Data Integrity Review was completed to compare information collected by AMC during the course of the review on loans reviewed by AMC for compliance versus the provided data tape. In total, AMC identified 50 fields that were compared across various loans in the population. Some of the comparison fields are conditional based on loan characteristics (ex. ARM vs. Fixed); however, AMC, in the counts below, has included in the total comparison population all loans in the securitization population regardless of whether such data field may have been applicable for the loan in questions such that a N/A is equivalent to not exhibiting a variance.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Loans With Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** | &nbsp;&nbsp;**# Of Loans** |
| &nbsp;&nbsp;City | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;**7** | &nbsp;&nbsp;**0.00%** | &nbsp;&nbsp;**2** |

---

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![](ex9901001.jpg)

**ADDITIONAL SUMMARY (2 Mortgage Loans)** 

*Some % of Loans may not add 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;Adjustable | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$1047500.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1047500.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$1047500.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1047500.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;$540000.00 | &nbsp;&nbsp;51.55% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;$507500.00 | &nbsp;&nbsp;48.45% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1047500.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;$507500.00 | &nbsp;&nbsp;48.45% |
| &nbsp;&nbsp;361+ Months | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;$540000.00 | &nbsp;&nbsp;51.55% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1047500.00** | &nbsp;&nbsp;**100.00%** |
| &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;1 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;$507500.00 | &nbsp;&nbsp;48.45% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;$540000.00 | &nbsp;&nbsp;51.55% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1047500.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Balance** |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;$507500.00 | &nbsp;&nbsp;48.45% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;$540000.00 | &nbsp;&nbsp;51.55% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1047500.00** | &nbsp;&nbsp;**100.00%** |

---

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## Exhibit 99.01

[MFA 2026-NQM2 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.01 - Schedule 1**

![](situs-logo.jpg)

**Loan Level Exception - Final Grades**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **EDGAR Loan ID** | **Borrower Name** | **Deal Number** | **Original Loan Amount** | **State** | **Note Date** | **Occupancy** | **Purpose** | **QM Status** | **Overall Grade** | **Credit Grade** | **Credit Exceptions** | **Credit Exception Information** | **Credit Exception Comments** | **Property Grade** | **Property Exceptions** | **Property Exception Information** | **Property Exception Comments** | **Compliance Grade** | **Compliance Exceptions** | **Compliance Exception Information** | **Compliance Exception Comments** | **Compliance Comp Factors** | **Compensating Factors** | **Subject to High Cost - Unable to Test** | **Disposition 2** |
| XXXX | XXXX | 31681 | XXXX | XXXX | $XX | XX | XX/XX/XXXX | Second Home | Refinance Cash-out - Other | Non QM | 2 | 2 | [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Total cash-out discrepancy.: HUD-1 total cash-out of $XXX is greater than Guideline total cash-out of $500,000.00. | Guidelines allow for $500,000 max cash out unless an exception is made for the LTV to be lower than 75%. Please provide a copy of that exception. | REVIEWER - WAIVED COMMENT (2019-07-26): Waived with comp factors | 1 |  |  |  | 2 | [2] Federal Compliance - Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.: Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.<br> [2] Federal Compliance - TRID Final Closing Disclosure Assumption: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan allows for Assumption. (Final/XX/XX/XXXX)<br> [2] Federal Compliance - TRID Final Closing Disclosure Non Escrowed Property Costs Year 1: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of $XXX on Final Closing Disclosure provided on XX/XX/XXXX not accurate. (Final/XX/XX/XXXX) | Federal Compliance - Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.: The LO Originator Compensation Disclosure was not located in the file<br> Federal Compliance - TRID Final Closing Disclosure Assumption: CD shows it will not allow for assumption but note is assumable<br> Federal Compliance - TRID Final Closing Disclosure Non Escrowed Property Costs Year 1: The estimated Escrow payment is $XXX /mo.. The non escrow costs are shown higher on CD that what actual HOA cost is | REVIEWER - WAIVED COMMENT (2019-07-26): Client elects to waive. Non-material exception.<br> BUYER - WAIVED COMMENT (2019-07-26): waive<br> REVIEWER - CURED COMMENT (2019-07-26): AMC received PCCD correcting non escrowed property costs and LOE. Exception Cured<br> REVIEWER - RE-OPEN COMMENT (2019-07-26): Reopen<br> BUYER - GENERAL COMMENT (2019-07-26): pccd was done previously but just uploaded XX/XX. need reviewed since it was sent within 60 days<br> REVIEWER - OPEN - UNABLE TO CLEAR COMMENT (2019-07-26): AMC received PCCD and LOE however the 60 day window to cure from discovery date (XX/XX/XXXX) has passed. Unable to cure.<br> BUYER - GENERAL COMMENT (2019-07-26): non escrowed property costs are:<br> XXX<br> XXX<br> XXX<br> REVIEWER - GENERAL COMMENT (2019-07-26): Final Closing Disclosure disclosed Non-Escrowed Property Costs over Year 1 of $XXX. Non-Escrowed HOA Dues are $XXX per month, which equates to calculated Escrowed Property Costs over Year 1 of $XXX. A Letter of Explanation to the borrower and Corrected Closing Disclosure are required to cure this exception. | Federal Compliance - Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.: Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was involuntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effective 1/10/14, this amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. <br> Effective 1/10/2014 in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation.<br>Federal Compliance - TRID Final Closing Disclosure Assumption: TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.<br>Federal Compliance - TRID Final Closing Disclosure Non Escrowed Property Costs Year 1: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. | 60% LTV < 80% guideline max.<br>DTI below max by 5% or greater. DTI: XX%<br>FICO score above minimum by 20 points or greater. FICO: XXX |  | - B A |
| XXXX | XXXX | 48859 | XXXX | XXXX | $XX | XX | XX/XX/XXXX | Investment | Purchase | Exempt from ATR | 2 | 2 | [2] General - The Investor's qualifying total debt ratio is less than the QM qualifying total debt ratio.: Investor's qualifying DTI: $XXX<br> QM qualifying DTI: XXX% | Verified the DTI using income and debt information in the file. |  | 1 |  |  |  | 2 | [2] Federal Compliance - FNMA Points and Fees: FNMA Points and Fees on subject loan of XX% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $XXX (XXXX). FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX and $XXX (XXXX) (an overage of $XXX or XX%).<br> [2] Federal Compliance - Investment Property submitted as Non-QM / Exempt from ATR: Ability to Repay (Dodd-Frank 2014): Improper Originator Loan Designation. Investment property not subject to Ability to Repay requirements.<br> [2] Federal Compliance - (Missing Data) Last Rate Set Date : Last Date Rate Set was not provided. In order to determine Average Prime Offer Rate (APOR), the worst case scenario was used between Application Date and Transaction Date. | Federal Compliance - Investment Property submitted as Non-QM / Exempt from ATR: Verified property is an investment property, Tape data reflects NonQM.<br> Federal Compliance - (Missing Data) Last Rate Set Date : There is no rate lock information in the file |  |  |  |  | - B A |

---

## Exhibit 99.01

[MFA 2026-NQM2 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.01 - Schedule 2**

![](situs-logo.jpg)

**Exception Grades**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Customer Loan ID** | **EDGAR Loan ID** | **Investor Loan Number** | **Loan Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| XXXX | XXXX | 31681 |  | 12951365 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Total cash-out discrepancy. | HUD-1 total cash-out of ___ is greater than Guideline total cash-out of ___. | Guidelines allow for $500,000 max cash out unless an exception is made for the LTV to be lower than 75%. Please provide a copy of that exception. | 60% LTV < 80% guideline max.<br>DTI below max by 5% or greater. DTI: XX%<br>FICO score above minimum by 20 points or greater. FICO: XX |  | Originator<br>Originator<br>Originator | Reviewer Comment (2019-07-26): Waived with comp factors |  |  | 06/17/2019 | 2 B |  | CO | Second Home | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | 31681 |  | 12951388 |  | Compliance | Compliance | Federal Compliance | Missing Disclosure | Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction. | Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction. | The LO Originator Compensation Disclosure was not located in the file |  |  |  | Reviewer Comment (2019-07-26): Client elects to waive. Non-material exception. |  |  | 05/21/2019 | 2 B |  | CO | Second Home | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
| XXXX | XXXX | 48859 |  | 12951390 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of $XXX on Final Closing Disclosure provided on XX/XX/XXXX not accurate. (Final/XX/XX/XXXX) | The estimated Escrow payment is $XXX /mo.. The non escrow costs are shown higher on CD that what actual HOA cost is |  |  |  | Reviewer Comment (2019-07-26): AMC received PCCD correcting non escrowed property costs and LOE. Exception Cured<br>Reviewer Comment (2019-07-26): Reopen<br>Buyer Comment (2019-07-26): pccd was done previously but just uploaded XX/XX. need reviewed since it was sent within 60 days<br>Reviewer Comment (2019-07-26): AMC received PCCD and LOE however the 60 day window to cure from discovery date (XX/XX/XXXX) has passed. Unable to cure.<br>Buyer Comment (2019-07-26): non escrowed property costs are:<br> XXX<br> XXX<br> XXX<br>Reviewer Comment (2019-07-26): Final Closing Disclosure disclosed Non-Escrowed Property Costs over Year 1 of $XXX. Non-Escrowed HOA Dues are $XXX per month, which equates to calculated Escrowed Property Costs over Year 1 of $XXX. A Letter of Explanation to the borrower and Corrected Closing Disclosure are required to cure this exception. |  | 07/01/2019 |  | 2 B |  | CO | Second Home | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 48859 |  | 12951421 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Assumption | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan allows for Assumption. (Final/XX/XX/XXXX) | CD shows it will not allow for assumption but note is assumable |  |  |  | Buyer Comment (2019-07-26): waive |  |  | 06/17/2019 | 2 B |  | CO | Second Home | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
| XXXX | XXXX | 48859 |  | 21077679 |  | Compliance | Compliance | Federal Compliance | Missing Non-Required Data | (Missing Data) Last Rate Set Date | Last Date Rate Set was not provided. In order to determine [Redacted], the worst case scenario was used between Application Date and Transaction Date. | There is no rate lock information in the file |  |  |  |  |  |  |  | 2 B |  | NY | Investment | Purchase | B A | Non QM | Exempt from ATR | No |
| XXXX | XXXX | 48859 |  | 21077684 |  | Compliance | Compliance | Federal Compliance | ATR/QM | Investment Property submitted as Non-QM / Exempt from ATR | Ability to Repay ([Redacted] 2014): Improper Originator Loan Designation. Investment property not subject to Ability to Repay requirements. | Verified property is an investment property, Tape data reflects NonQM. |  |  |  |  |  |  |  | 2 B |  | NY | Investment | Purchase | B A | Non QM | Exempt from ATR | No |
| XXXX | XXXX | 48859 |  | 21077686 |  | Credit | Data Verification | General | Data Verification | The Investor's qualifying total debt ratio is less than the QM qualifying total debt ratio. | Investor's qualifying DTI: ___<br> QM qualifying DTI: ___ | Verified the DTI using income and debt information in the file. |  |  |  |  |  |  |  | 2 B |  | NY | Investment | Purchase | B A | Non QM | Exempt from ATR | No |
| XXXX | XXXX | 48859 |  | 21077688 |  | Compliance | Compliance | Federal Compliance | GSE | FNMA Points and Fees | [Redacted] Points and Fees on subject loan of [Redacted] is in excess of the allowable maximum of the greater of [Redacted]of the Original Loan Amount and [Redacted]).[Redacted] Finance Charge total [Redacted] on a Original Loan Amount of [Redacted] vs. an allowable total of [Redacted] and[Redacted] (an overage of [Redacted]or [Redacted]). |  |  |  |  |  |  |  |  | 2 B |  | NY | Investment | Purchase | LOE, copy of check and proof of mailing/delivery. Note: Testing is optional based on deal settings. B A | Non QM | Exempt from ATR | Yes |

---

## Exhibit 99.01

[MFA 2026-NQM2 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.01 - Schedule 3**

![](situs-logo.jpg)

**Valuation Report**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Customer Loan ID** | **EDGAR Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **As-Is Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Primary Valuation Value** | **Primary Valuation Report Date** | **Primary Valuation Effective Date** | **Primary Valuation Type** | **Primary Valuation Company** | **Primary Valuation Appraiser Name** | **Primary Valuation Appraiser License Num** | **Primary Valuation FSD Score** | **Secondary Valuation Value** | **Secondary Valuation Variance Amount** | **Secondary Valuation Variance Percent** | **Secondary Valuation Report Date** | **Secondary Valuation Effective Date** | **Secondary Valuation Type** | **Secondary Valuation Company** | **Secondary Valuation FSD Score** | **Secondary Valuation Desk Review Risk Score** | **AVM Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Company** | **AVM FSD Score** | **AVM Report Date** | **Desk Review Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Report Date** | **Desk Review Effective Date** | **Desktop Appraisal Value** | **Desktop Appraisal Variance Amount** | **Desktop Appraisal Variance Percent** | **Desktop Appraisal Company** | **Desktop Appraisal Report Date** | **Desktop Appraisal Effective Date** | **BPO Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Report Date** | **Field Review Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Report Date** | **Field Review Effective Date** | **2055 Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Report Date** | **2055 Effective Date** | **AVE/CMA Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Report Date** | **Hybrid Valuation Value** | **Hybrid Valuation Variance Amount** | **Hybrid Valuation Variance Percent** | **Hybrid Valuation Company** | **Hybrid Valuation Report Date** | **Updated Valuation Value** | **Updated Valuation Variance Amount** | **Updated Valuation Variance Percent** | **Updated Valuation Company** | **Updated Valuation Report Date** | **Updated Valuation Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Value Analysis Valuation Value** | **Value Analysis Report Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
| XXXX | XXXX | 31681 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  | -0.560% |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
| XXXX | XXXX | 48859 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% | High |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |

---

## Exhibit 99.01

[MFA 2026-NQM2 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.01 - Schedule 4**

![](situs-logo.jpg)

**Supplemental Data**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 |
| **SitusAMC Loan ID** | **Customer Loan ID** | **EDGAR Loan ID** | **Investor Loan Number** | **TILA Status Loan Designation** | **Exempt QM/ATR Equivalency** | **CDFI Bank Originated Loan** | **Application Date** | **TRID Tested** | **GSE** | **HOEPA Fees** | **TILA Fees** | **Rate Lock Date** | **Calculated APR** | **Original P&I** | **Qualifying P&I** | **Qualifying Rate** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower2 Length of Employment** | **Co Borrower3 Length of Employment** | **Borrower Foreign National Indicator** | **Co Borrower Foreign National Indicator** | **Co Borrower 2 Foreign National Indicator** | **Co Borrower 3 Foreign National Indicator** | **Borrower Country Name** | **Co Borrower Country Name** | **Co Borrower2 Country Name** | **Co Borrower3 Country Name** | **Residual Income** | **Num Units** | **Annual Property Tax** | **Annual Insurance Costs** | **Monthly Property Tax** | **Monthly Insurance Costs** | **HOA Name** | **HOA Address State** | **Fee Amount** | **Next Due Date** | **HOA Payment Frequency** | **Investor DTI** | **QM DTI** | **Non QM DTI** | **Original Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Income Doc Detail** | **Tax Return Doc Details** | **Document Level** | **Document Type** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy (7, 11)** | **Months Bankruptcy (13)** | **Most Recent Deed-in - Lieu Date** | **Number of Deed-in-Lieu Events** | **Months Deed-in-Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Guideline Name** | **UW Guideline Author** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **HUD 1 Page 1 Credits Total** | **Collateral Underwriter Risk Score** | **AUS Decision System** | **Property Inspection Waiver (PIW)** | **Rating Result** | **Eligible For Rep and Warrant Relief Per Collateral Advisor** | **Is Equity Shared Loan** | **Investor Qualifying Rate** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Profit and Loss Statements** | **Expense Letter** | **Total DSCR** | **Total Inverse DSCR** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Duration of Payout Months** | **Seller VSH Indicator** | **Seller Indicated VSH Guideline** | **Validated VSH** | **IO Remaining Amortization Term at Recast** | **Maturity Date** | **Borrower Own Funds Cash Amount** | **Borrower Own Funds Percent** | **Is the Note an eNote** | **Borrower WVOE - # of Months of Income provided** | **Co Borrower WVOE - # of Months of Income provided** | **Co Borrower2 WVOE - # of Months of Income provided** | **Co Borrower3 WVOE - # of Months of Income provided** | **Were the origination guidelines utilized for this diligence review?** | **Title Evidence** | **Ownership Type** | **Borrower Type** | **Borrower Designation** | **Co Borrower Type** | **Co Borrower Designation** | **Co Borrower2 Type** | **Co Borrower2 Designation** | **Co Borrower3 Type** | **Co Borrower3 Designation** | **Senior Lien Position** | **Senior Lien Original Loan Amount** | **Senior Lien Original Interest Rate** | **Senior Lien Note Projected Closing Date** | **Senior Lien Current Balance** | **Senior Lien Current P&I** | **Loan Closed in the Name of an Entity** | **Note Executed by** | **Assumable Mortgage Flag** | **Leasehold Flag** | **Buydown Flag** | **Borrower Experian FICO Model Used** | **Borrower Equifax FICO Model Used** | **Borrower TransUnion FICO Model Used** | **Co Borrower Experian FICO Model Used** | **Co Borrower Equifax FICO Model Used** | **Co Borrower TransUnion FICO Model Used** | **Co Borrower2 Experian FICO Model Used** | **Co Borrower2 Equifax FICO Model Used** | **Co Borrower2 TransUnion FICO Model Used** | **Co Borrower3 Experian FICO Model Used** | **Co Borrower3 Equifax FICO Model Used** | **Co Borrower3 TransUnion FICO Model Used** | **Borrower Documentation Used to Determine Legal Residency** | **Co Borrower Documentation Used to Determine Legal Residency** | **Co Borrower2 Documentation Used to Determine Legal Residency** | **Co Borrower3 Documentation Used to Determine Legal Residency** | **Delayed Financing?** | **Months Reserves** | **Correspondent Type** | **Departure Residence** | **Rate Increase on Default** | **Default Interest Rate** | **Default Interest Accrual Start Days** | **MERS Min Number** | **Co Borrower Other Income** | **Co Borrower Wage Income** | **Primary Housing Lates 0 6 Months 30** | **Primary Housing Lates 0 6 Months 60** | **Primary Housing Lates 0 6 Months 90** | **Primary Housing Lates 7 12 Months 30** | **Primary Housing Lates 7 12 Months 60** | **Primary Housing Lates 7 12 Months 90** | **Primary Housing Lates 13 24 Months 30** | **Primary Housing Lates 13 24 Months 60** | **Primary Housing Lates 13 24 Months 90** | **Primary Housing Lates 25 36 Months 30** | **Primary Housing Lates 25 36 Months 60** | **Primary Housing Lates 25 36 Months 90** | **Borrower 1 ITIN Flag** | **Borrower 2 ITIN Flag** | **Borrower 3 ITIN Flag** | **Borrower 4 ITIN Flag** | **Total Number of Mortgaged Properties** | **Amortization Term Less IO** |
| XXXX | XXXX | 31681 |  | Non QM |  |  |  | Yes | No | $XXX | $XXX |  | XX | XX | XX | XX | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | $XXX | 1 | $XXX | $XXX | $XXX | $XXX |  |  |  |  |  | 33.487% | 33.610% | 33.487% | XX/XX/XXXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2018<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2017<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2017<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2018 | [Borrower]; 1040 - 2017<br> [Borrower]; 4506 or 4506-T - 2017<br> [Borrower]; Transcripts (1040) - 2017<br> [Borrower]; 4506 or 4506-T - 2016<br> [Borrower]; 4506 or 4506-T - 2015 | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $XXX |  | XX | $0.00 |  |  |  |  | N/A | No | XX | 0 |  | 1 | 0 | 3 | 1 |  |  | 8.87 | No |  |  |  |  | 360 |  |  |  | 360 | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  | Commitment | Fee Simple |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | No |  |  |  | $XXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 2 | 360 |
| XXXX | XXXX | 48859 |  | Exempt from ATR |  |  |  | Yes | No | $XXX | $XXX |  | XX | XX | XX | XX | No | No | Employed | Employed | Self-Employed |  | XX |  | US Citizen | US Citizen | US Citizen |  |  |  |  |  | $XXX | 1 | $XXX | $XXX | $XXX | $XXX |  |  |  |  |  | 36.903% | 45.172% | 36.903% | XX/XX/XXXX | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 5-Stated/Verified as defined |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2017<br> [Borrower - \| Primary Income - Wages]; Other - 2016<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2016<br> [Borrower - \| Primary Income - Wages]; VVOE - 2016<br> [Borrower - \| Primary Income - Wages]; WVOE - 2016<br> [Borrower - \| Primary Income - Wages]; W-2 - 2015<br> [Borrower - \| Primary Income - Wages]; W-2 - 2014<br> [Borrower - \| Non-Primary Income - Wages]; Other - 2016<br> [Borrower - \| Non-Primary Income - Wages]; Other - 2016<br> [Borrower - \| Non-Primary Income - Wages]; Other - 2016<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2016<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2017<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2016<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2016<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2016<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2016<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2015<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2014<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2017<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Balance Sheet - 2016<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; CPA Letter - 2016<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; P&L Statement - 2016<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2016<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; Other - 2016<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; Other - 2015<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; Other - 2014 | [Borrower]; 1040 - 2015<br> [Borrower]; 4506 or 4506-T - 2015<br> [Borrower]; 1040 - 2014<br> [Borrower]; 4506 or 4506-T - 2014<br> [Borrower]; 1040 - 2013<br> [Coborrower]; 1040 - 2015<br> [Coborrower]; 4506 or 4506-T - 2015<br> [Coborrower]; 4506 or 4506-T - 2014 | Full Documentation (F) | Full |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | XXXX | $XXX |  | XX | $0.00 |  |  |  |  | N/A | No | XX | 2 | 2 | 3 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  | Final | Fee Simple |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | Yes |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | Yes |  |  |  | $XXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No | 3 | 360 |

---

## Exhibit 99.01

[MFA 2026-NQM2 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.01 - Schedule 5**

![](situs-logo.jpg)

**ASF Addendum - Business Purpose**

---

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| **SitusAMC Loan ID** | **Customer Loan ID** | **EDGAR Loan ID** | **Investor Loan Number** | **Seller Name** | **Originator Name** | **Guideline Author** | **Loan Program** | **Loan Program Date** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Rental Purpose** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DTI Calculation** | **Calculated Monthly Debt** | **Property DTI** | **Investor DTI** | **Inverse DSCR** | **Net Operating Income** | **Total Debt Service** | **DSCR** | **Total DSCR** | **PITIA** | **Lease End Date** | **Original Lease Term** | **Lease in Place Flag Unit 1** | **Lease Start Date Unit 1** | **Lease End Date Unit 1** | **Original Lease Term Unit 1** | **Rental Purpose Unit 1** | **Actual In Place Rent Unit 1** | **Third Party Market Rent Estimate Unit 1** | **Lease in Place Flag Unit 2** | **Lease Start Date Unit 2** | **Lease End Date Unit 2** | **Original Lease Term Unit 2** | **Rental Purpose Unit 2** | **Actual In Place Rent Unit 2** | **Third Party Market Rent Estimate Unit 2** | **Lease in Place Flag Unit 3** | **Lease Start Date Unit 3** | **Lease End Date Unit 3** | **Original Lease Term Unit 3** | **Rental Purpose Unit 3** | **Actual In Place Rent Unit 3** | **Third Party Market Rent Estimate Unit 3** | **Lease in Place Flag Unit 4** | **Lease Start Date Unit 4** | **Lease End Date Unit 4** | **Original Lease Term Unit 4** | **Rental Purpose Unit 4** | **Actual In Place Rent Unit 4** | **Third Party Market Rent Estimate Unit 4** | **Lease in Place Flag Unit 5** | **Lease Start Date Unit 5** | **Lease End Date Unit 5** | **Original Lease Term Unit 5** | **Rental Purpose Unit 5** | **Actual In Place Rent Unit 5** | **Third Party Market Rent Estimate Unit 5** | **Lease in Place Flag Unit 6** | **Lease Start Date Unit 6** | **Lease End Date Unit 6** | **Original Lease Term Unit 6** | **Rental Purpose Unit 6** | **Actual In Place Rent Unit 6** | **Third Party Market Rent Estimate Unit 6** | **Lease in Place Flag Unit 7** | **Lease Start Date Unit 7** | **Lease End Date Unit 7** | **Original Lease Term Unit 7** | **Rental Purpose Unit 7** | **Actual In Place Rent Unit 7** | **Third Party Market Rent Estimate Unit 7** | **Lease in Place Flag Unit 8** | **Lease Start Date Unit 8** | **Lease End Date Unit 8** | **Original Lease Term Unit 8** | **Rental Purpose Unit 8** | **Actual In Place Rent Unit 8** | **Third Party Market Rent Estimate Unit 8** | **Lease in Place Flag Unit 9** | **Lease Start Date Unit 9** | **Lease End Date Unit 9** | **Original Lease Term Unit 9** | **Rental Purpose Unit 9** | **Actual In Place Rent Unit 9** | **Third Party Market Rent Estimate Unit 9** | **Lease in Place Flag Unit 10** | **Lease Start Date Unit 10** | **Lease End Date Unit 10** | **Original Lease Term Unit 10** | **Rental Purpose Unit 10** | **Actual In Place Rent Unit 10** | **Third Party Market Rent Estimate Unit 10** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **HOA Flag** | **HOA Monthly Premium Amount** | **Monthly Property Tax** | **Monthly Insurance Cost** | **Asset Verification** | **Blanket Mortgage Flag** | **Number of Mortgaged Properties With Lender** | **Number of Properties** | **Foreign National Alternative Credit Documentation** | **Foreign National Borrower 1** | **Foreign National Borrower 2** | **Investor Type** | **Number of Years Property Owned** | **Borrower Residency Status** | **Co Borrower Residency Status** | **Qualifying Credit Score** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Months Deed in Lieu** | **Months Short Sale or Pre FC** | **Prior Mtg Rent Late 30d in 12m** | **Prior Mtg Rent Late 60d in 12m** | **Prior Mtg Rent Late 90d in 12m** | **Prior Mtg Rent Late 30d in 24m** | **Prior Mtg Rent Late 60d in 24m** | **Prior Mtg Rent Late 90d in 24m** | **Section 8** | **Street Address** | **Borrower 1 Type** | **Borrower 1 Designation** | **Borrower 1 Employment Status** | **Borrower 1 First Name** | **Borrower 1 Last Name** | **Borrower 1 Number of Mortgaged Properties** | **Borrower 1 Citizenship** | **Borrower 1 Documentation Used to Determine Legal Residency** | **Borrower 1 Country Name** | **Borrower 1 Asset Verification Level** | **Borrower 1 Credit Order Date** | **Borrower 1 Experian FICO** | **Borrower 1 Experian FICO Model Used** | **Borrower 1 Equifax FICO** | **Borrower 1 Equifax FICO Model Used** | **Borrower 1 TransUnion FICO** | **Borrower 1 TransUnion FICO Model Used** | **Borrower 2 Type** | **Borrower 2 Designation** | **Borrower 2 Employment Status** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 2 Number of Mortgaged Properties** | **Borrower 2 Citizenship** | **Borrower 2 Documentation Used to Determine Legal Residency** | **Borrower 2 Country Name** | **Borrower 2 Asset Verification Level** | **Borrower 2 Credit Order Date** | **Borrower 2 Experian FICO** | **Borrower 2 Experian FICO Model Used** | **Borrower 2 Equifax FICO** | **Borrower 2 Equifax FICO Model Used** | **Borrower 2 TransUnion FICO** | **Borrower 2 TransUnion FICO Model Used** | **Borrower 3 Designation** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 3 Number of Mortgaged Properties** | **Borrower 3 Citizenship** | **Borrower 3 Documentation Used to Determine Legal Residency** | **Borrower 3 Country Name** | **Borrower 3 Asset Verification Level** | **Borrower 3 Credit Order Date** | **Borrower 3 Experian FICO** | **Borrower 3 Experian FICO Model Used** | **Borrower 3 Equifax FICO** | **Borrower 3 Equifax FICO Model Used** | **Borrower 3 TransUnion FICO** | **Borrower 3 TransUnion FICO Model Used** | **Borrower 4 Designation** | **Borrower 4 First Name** | **Borrower 4 Last Name** | **Borrower 4 Number of Mortgaged Properties** | **Borrower 4 Citizenship** | **Borrower 4 Documentation Used to Determine Legal Residency** | **Borrower 4 Country Name** | **Borrower 4 Asset Verification Level** | **Borrower 4 Credit Order Date** | **Borrower 4 Experian FICO** | **Borrower 4 Experian FICO Model Used** | **Borrower 4 Equifax FICO** | **Borrower 4 Equifax FICO Model Used** | **Borrower 4 TransUnion FICO** | **Borrower 4 TransUnion FICO Model Used** | **Personal Guarantee** | **Guarantor 1 First Name** | **Guarantor 1 Last Name** | **Guarantor 1 Business Ownership Percent** | **Guarantor 1 Recourse Type** | **Guarantor 1 Number of Mortgaged Properties** | **Guarantor 1 Citizenship** | **Guarantor 1 Documentation Used to Determine Legal Residency** | **Guarantor 1 Country Name** | **Guarantor 1 Asset Verification Level** | **Guarantor 1 Employment Verification Level** | **Guarantor 1 Income Verification Level** | **Guarantor 1 FICO Model Used** | **Guarantor 1 Credit Order Date** | **Guarantor 1 Experian FICO** | **Guarantor 1 Experian FICO Model Used** | **Guarantor 1 Equifax FICO** | **Guarantor 1 Equifax FICO Model Used** | **Guarantor 1 TransUnion FICO** | **Guarantor 1 TransUnion FICO Model Used** | **Guarantor 1 Most Recent Fico Method** | **Guarantor 2 First Name** | **Guarantor 2 Last Name** | **Guarantor 2 Business Ownership Percent** | **Guarantor 2 Recourse Type** | **Guarantor 2 Number of Mortgaged Properties** | **Guarantor 2 Citizenship** | **Guarantor 2 Documentation Used to Determine Legal Residency** | **Guarantor 2 Country Name** | **Guarantor 2 Asset Verification Level** | **Guarantor 2 Employment Verification Level** | **Guarantor 2 Income Verification Level** | **Guarantor 2 FICO Model Used** | **Guarantor 2 Credit Order Date** | **Guarantor 2 Experian FICO** | **Guarantor 2 Experian FICO Model Used** | **Guarantor 2 Equifax FICO** | **Guarantor 2 Equifax FICO Model Used** | **Guarantor 2 TransUnion FICO** | **Guarantor 2 TransUnion FICO Model Used** | **Guarantor 2 Most Recent Fico Method** | **Guarantor 3 First Name** | **Guarantor 3 Last Name** | **Guarantor 3 Business Ownership Percent** | **Guarantor 3 Recourse Type** | **Guarantor 3 Number of Mortgaged Properties** | **Guarantor 3 Citizenship** | **Guarantor 3 Documentation Used to Determine Legal Residency** | **Guarantor 3 Country Name** | **Guarantor 3 Asset Verification Level** | **Guarantor 3 Employment Verification Level** | **Guarantor 3 Income Verification Level** | **Guarantor 3 FICO Model Used** | **Guarantor 3 Credit Order Date** | **Guarantor 3 Experian FICO** | **Guarantor 3 Experian FICO Model Used** | **Guarantor 3 Equifax FICO** | **Guarantor 3 Equifax FICO Model Used** | **Guarantor 3 TransUnion FICO** | **Guarantor 3 TransUnion FICO Model Used** | **Guarantor 3 Most Recent Fico Method** | **Guarantor 4 First Name** | **Guarantor 4 Last Name** | **Guarantor 4 Business Ownership Percent** | **Guarantor 4 Recourse Type** | **Guarantor 4 Number of Mortgaged Properties** | **Guarantor 4 Citizenship** | **Guarantor 4 Documentation Used to Determine Legal Residency** | **Guarantor 4 Country Name** | **Guarantor 4 Asset Verification Level** | **Guarantor 4 Employment Verification Level** | **Guarantor 4 Income Verification Level** | **Guarantor 4 FICO Model Used** | **Guarantor 4 Credit Order Date** | **Guarantor 4 Experian FICO** | **Guarantor 4 Experian FICO Model Used** | **Guarantor 4 Equifax FICO** | **Guarantor 4 Equifax FICO Model Used** | **Guarantor 4 TransUnion FICO** | **Guarantor 4 TransUnion FICO Model Used** | **Guarantor 4 Most Recent Fico Method** | **Authorized Signor 1 First Name** | **Authorized Signor 1 Last Name** | **Authorized Signor 2 First Name** | **Authorized Signor 2 Last Name** | **Member 1 First Name** | **Member 1 Last Name** | **Member 1 Documentation Used to Determine Legal Residency** | **Member 1 Credit Order Date** | **Member 1 Experian FICO** | **Member 1 Experian FICO Model Used** | **Member 1 Equifax FICO** | **Member 1 Equifax FICO Model Used** | **Member 1 TransUnion FICO** | **Member 1 TransUnion FICO Model Used** | **Member 1 Asset Verification Level** | **Member 1 Employment Verification Level** | **Member 1 Income Verification Level** | **Member 2 First Name** | **Member 2 Last Name** | **Member 2 Documentation Used to Determine Legal Residency** | **Member 2 Credit Order Date** | **Member 2 Experian FICO** | **Member 2 Experian FICO Model Used** | **Member 2 Equifax FICO** | **Member 2 Equifax FICO Model Used** | **Member 2 TransUnion FICO** | **Member 2 TransUnion FICO Model Used** | **Member 2 Asset Verification Level** | **Member 2 Employment Verification Level** | **Member 2 Income Verification Level** | **Loan Application Date** | **Sales Contract Date** | **Qualifying Home Value for LTV** | **Number of Units** | **Year Built** | **Total Sq Ft** | **Number of Bedrooms** | **Number of Bathrooms** | **Property Condition** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Investment Property Original As Is LTV** | **As Is Value** | **After Repair Value** | **After Repair Value LTV** | **Loan to Cost** | **Original Sales Price** | **Assignment Fee** | **Loan to Purchase Price** | **SBC Occupancy** | **Investment Property Type** | **Has Dutch Interest** | **Interest Reserves Escrowed** | **Guarantor 1 ITIN Flag** | **Guarantor 2 ITIN Flag** | **Guarantor 3 ITIN Flag** | **Guarantor 4 ITIN Flag** |
| XXXXX | XXXX | 48859 |  |  |  |  |  |  | No |  |  |  |  |  |  |  | $XXX |  | 0.369032 |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX |  |  |  |  | No |  |  |  |  |  |  | XXX |  |  |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | 1 |  |  |  |  | C3 |  |  |  |  |  |  |  |  |  |  | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.02

[MFA 2026-NQM2 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.02**

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

**Overview**

Consolidated Analytics, Inc ("Consolidated Analytics"), a third-party due diligence provider, performed the review described below on newly originated residential mortgage loans acquired by MFA Financial, Inc. The review included a total of 56 newly originated residential mortgage loans, in connection with the securitization identified as MFA 2026-NQM2 (the "Securitization"). The Review was conducted from August 2025 through March 2026 on mortgage loans originated between August 2025 and March 2026.

**Scope of Review**

**Credit Review**

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

The Credit Review attempted to confirm the following:

&nbsp;&nbsp;&nbsp;&nbsp;a. QM
 or ATR Validation / Review of 8 Key Underwriting Factors

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Income
 / Assets

● Validate borrower(s) monthly gross income

● Validate funds required to close, required reserves

● Review file documentation for required level of income and asset verifications

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Employment
 Status

● Review file documentation for required level of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Monthly
 Mortgage Payment

● Confirm program, qualifying rate, terms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Simultaneous
 Loans

● Validate all concurrent loans are included in the DTI to properly assess the ability to repay

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Mortgage
 Related Obligations: PITI, HOA, PMI, etc.

● Validate subject loan monthly payment (PITI) and associated obligations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Debts
 / Obligations

● Validate monthly recurring liabilities

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. DTI
 and/or Residual Income

● Validate debt-to-income ratio (DTI) based upon income and debt documentation provided in the file

● Documentation meets Appendix Q requirements for QM Loans

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;viii. Credit
 History

● Review credit report for credit history and required credit depth including any / all inquiries

● Determine representative credit score from credit report

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

c. Review borrower's occupancy

d. Validation through third party resource of the
 subject properties most recent twelve (12) month sales history

&nbsp;&nbsp;&nbsp;&nbsp;e. Confirm sufficient evidence in loan file, by
 reviewing the underwriter's decision to approve the loan based upon the borrows income, debt, and credit history, to
 support borrower's willingness and ability to repay the debt

f. Confirm that Final 1003 is sufficiently completed

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

h. Confirm Loan Approval conditions were met

i. Review condominium questionnaire to verify all
 information is complete, prepared by an authorized representative, and address any red flags that may deem condominium project
 ineligible

j. General QM for any loans originated under the
 GQM Rule

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Pricing
 Thresholds:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Pricing
 for First Lien Loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25%
 for a first-lien covered transaction with a loan amount greater than or equal to the
 applicable dollar amount threshold; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 3.5%
 for a first-lien covered transaction with a loan amount greater than or equal to the
 applicable dollar amount threshold; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. 6.5%
 for a first-lien covered transaction with a loan amount less than the applicable dollar
 amount threshold.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Pricing
 for Subordinate Lien Loans:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 3.5%
 for a subordinate-lien covered transaction with a loan amount greater than or equal to
 the applicable dollar amount threshold; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5%
 for a subordinate-lien covered transaction with a loan amount less than the applicable
 dollar amount threshold.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Pricing
 for Manufactured Homes:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. 2.25%
 for a first-lien covered transaction secured by a manufactured home with a loan amount
 equal to or greater than the applicable dollar amount threshold; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. 6.5%
 for a covered transaction secured by a manufactured home with a loan amount less than
 applicable dollar amount threshold.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Consider
 Income and Assets:

○ Consumer's current or reasonably expected income or assets (other than the value of the dwelling that secures the loan;

○ The consumer's debt obligations, alimony, child support; and

○ The monthly DTI or residual income.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Verification
 of Income and Assets:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verification
 in compliance with one of the "safe harbor" guidelines will meet the QM verification
 requirement. A creditor is allowed to "mix and match" provisions of the different
 guidelines rather than only apply one guideline per loan.

The specific guidelines that the CFPB is designating for the safe harbor are: The GQM Rule provides that if the creditor verifies the consumer's income or assets, debt obligations, alimony, child support, and monthly DTI or residual income by meeting the standards of certain specified third-party underwriting manuals, then a creditor is presumed to have complied with the verification requirement. These specified manuals are:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Chapters
 B3-3 through B3-6 of the Fannie Mae Single Family Selling Guide, published June 3, 2020;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Sections
 5102 through 5500 of the Freddie Mac Single-Family Seller/Servicer Guide, published June
 10, 2020;

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Chapter
 4 of the U.S. Department of Veterans Affairs' Lenders Handbook, revised February
 22, 2019;

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

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

**Compliance Review**

Consolidated Analytics performed a "Compliance Review" to determine, as applicable, to the extent possible and subject to the caveats below, whether the loan complies with applicable regulatory requirements as noted below, each as amended, restated and/or replaced from time to time. In relation to cash out refinances of investment property loans, documentation provided in the loan file will be reviewed only to validate the use of cash out proceeds for business purposes at the origination/consummation of the loan. In the event use of proceeds cannot be validated, or are deemed to be utilized for consumer purposes, the loan would then be subject to a "Compliance Review" of applicable regulatory requirements as noted below, each as amended, restated and/or replaced from time to time. The Compliance Review included the following:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**Valuation Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;m. Additional
 valuation products were not required when the CU score provided was 2.5 or below or the
 appraisal LCA risk score was eligible for Collateral Rep and Warranty relief. In the
 event the CU score was greater than 2.5 or the LCA score was not eligible for R&W
 relief, an additional valuation product was obtained to confirm value was supported within
 10% tolerance. In some instances, based on guideline from the seller, CDA's were
 ordered on loans that had an acceptable CU score or R&W eligibility.

Consolidated Analytics applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third party valuation product.

For loans reviewed in a post-close valuation review scenario (56 loans in total):

Zero (0) loans had a Secondary Appraisal, zero (0) loans had an AVM, zero (0) loans had a Field Review, zero (0) loans had an Exterior Only Appraisal Review, and thirty-four (34) loans had Desktop Reviews.

If a loan with an AVM or Desktop Review fell outside of a -10% tolerance, was inconclusive, or a PIW was present, then a Field Review, a Broker Price Opinion (BPO) along with a Reconciliation of the values or a 2nd Appraisal was completed. There were zero (0) occurrences of this.

Zero (0) loans had a Field Review or BPO, zero (0) loans had a Second Desk Review, and zero (0) loans had a Full Appraisal Review, all of which supported value.

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

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the fifty-six (56) mortgage loans reviewed, thirty-two (32) unique mortgage loans (57.14% by loan count) had a total of forty-five (45) discrepancies across eleven (11) data fields. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Monthly Total Escrow Payment | &nbsp;&nbsp;27 | &nbsp;&nbsp;60.00% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;4 | &nbsp;&nbsp;8.89% |
| &nbsp;&nbsp;Originator DSCR | &nbsp;&nbsp;3 | &nbsp;&nbsp;6.67% |
| &nbsp;&nbsp;Qualifying Total Reserves Number of Months | &nbsp;&nbsp;2 | &nbsp;&nbsp;4.44% |
| &nbsp;&nbsp;Borrower Appraisal Receipt Date | &nbsp;&nbsp;2 | &nbsp;&nbsp;4.44% |
| &nbsp;&nbsp;Total Qualified Assets Available | &nbsp;&nbsp;2 | &nbsp;&nbsp;4.44% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.22% |
| &nbsp;&nbsp;Qualifying Total Monthly Liabilities | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.22% |
| &nbsp;&nbsp;Borrower 1 Qualifying Income | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.22% |
| &nbsp;&nbsp;All Borrower Total Income | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.22% |
| &nbsp;&nbsp;Originator Doc Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.22% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**45** | &nbsp;&nbsp;**100.00%** |

---

**Summary of Results**

**OVERALL RESULTS SUMMARY**

**Final Loan Grades**

---

| | | | |
|:---|:---|:---|:---|
| **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** | |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample |
| Event Grade A | 45 | $24144082.00 | 80.36% |
| Event Grade B | 11 | $6757850.00 | 19.64% |
| Event Grade C | 0 | $0.00 | 0% |
| Event Grade D | 0 | $0.00 | 0% |
| **Total Sample** | 56 | $30901932.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 46 | 82.14% |
| Event Grade B | 10 | 17.86% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 56 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Results:** | **Compliance Results:** | **Compliance Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 53 | 94.64% |
| Event Grade B | 3 | 5.36% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 56 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 55 | 98.21% |
| Event Grade B | 1 | 1.79% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 56 | 100.00% |

---

 **Exception Category Summary**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Exception Type | &nbsp;&nbsp;Exception Level Grade | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;28 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Asset Qualification Does Not Meet Guideline Requirements | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower residency documentation not provided or issue with documentation | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;The Total Hazard Coverage is LESS than the Required Coverage Amount | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing verification of taxes, insurance, and/or HOA fees for non-subject property | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Letter of Explanation (Credit) | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;All Interested Parties Not Checked with Exclusionary Lists | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Business Entity Formation Document | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower 1 Personal Tax Returns Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Property Title Issue | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Assets do not meet guideline requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Audited FICO is less than Guideline FICO | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing letter of explanation | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Potential Fraud Reflected on Fraud Report | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Letter of Explanation (Assets) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Asset General | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;ATR: Reasonable Income or Assets Not Considered | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Fraud Report Shows Uncleared Alerts | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Verification of Rent | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;**58** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan does not conform to program guidelines | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited HCLTV Exceeds Guideline HCLTV | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited CLTV Exceeds Guideline CLTV | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited LTV Exceeds Guideline LTV | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Property Title Issue | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Housing History Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Employment Self-Employed Less Than 2 Years at Origination | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Tradelines do not meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited FICO is less than Guideline FICO | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Asset 2 Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Audited DTI Exceeds Guideline DTI | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Delinquent Credit History Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower Contributions Do Not Met Guideline Minimum | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;**17** |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;21 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;7 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;CA AB 260 Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Initial Closing Disclosure Delivery Date Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;High-Cost Mortgage Late Fee Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TX SB 1581 High-Cost Home Loan Credit Transaction Points and Fees Threshold Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;High-Cost Mortgage Pre-Loan Counseling Date Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;High-Cost Mortgage Timing of Disclosure Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;**36** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;High-Cost Mortgage Points and Fees Threshold Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;**3** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;No Property Findings | &nbsp;&nbsp;51 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Property/Appraisal General | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;FEMA Post Disaster Inspection Report not Provided | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraisal is Expired | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;Appraisal incomplete (missing map, layout, pages, etc.) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Property Grade (A) Exceptions:*** | &nbsp;&nbsp;**57** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property/Appraisal General | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;**1** |

---

**Event Grade Definitions**

---

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

---

---

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

---

---

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

---

---

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

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Valuation Event Grades** | &nbsp;&nbsp;**Valuation Event Grades** |
| &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 99.02

[MFA 2026-NQM2 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.02 - Schedule 1**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **MFA Loan ID** | **Seller Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 86130 | XXXXX | Cash Disbursement Date | XX/XX/XXXX | XX/XX/XXXX | Per Final CD |
| 86130 | XXXXX | All Borrower Total Income | XXX | XXX | Per income calculation entered in Employment Income tab, $XXX |
| 86130 | XXXXX | Total Qualified Assets Available | XXX | XXX | Per asset documentation |
| 86130 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Per asset documentation and subject housing expense |
| 86130 | XXXXX | Qualifying Total Monthly Liabilities | XXX | XXX | Per liability documentation |
| 86130 | XXXXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per Appraisal Receipt Disclosure |
| 87182 | XXXXX | Monthly Total Escrow Payment | XXX | XXX | Per HOI and tax docs for the subject |
| 87870 | XXXXX | Monthly Total Escrow Payment | XXX | XXX | Escrows waived |
| 87878 | XXXXX | Qualifying FICO | XXX | XXX | Middle score of three from credit report |
| 88437 | XXXXX | Monthly Total Escrow Payment | XXX | XXX | CD monthly impounds |
| 88519 | XXXXX | Monthly Total Escrow Payment | XXX | XXX | Per Final CD, escrows are waived. Tape data is estimated taxes, insurance and assessment. |
| 88436 | XXXXX | Monthly Total Escrow Payment | XXX | XXX | tax and insurance not HOA |
| 88430 | XXXXX | Monthly Total Escrow Payment | XXX | XXX | Per HOI and tax docs, escrow is $XXX |
| 88508 | XXXXX | Monthly Total Escrow Payment | XXX | XXX | Per Final CD, escrow is waived. Tape data is estimated taxes, insurance and assessment. |
| 88447 | XXXXX | Qualifying FICO | XXX | XXX | Per most recent credit report, middle score of all borrowers is XXX. Tape data reflects middle score from initial credit report pulled. |
| 88449 | XXXXX | Monthly Total Escrow Payment | XXX | XXX | Per HOI, total escrow is $XXX |
| 88424 | XXXXX | Monthly Total Escrow Payment | XXX | XXX | no impounds |
| 88420 | XXXXX | Monthly Total Escrow Payment | XXX | XXX | Tax and insurance, not HOA |
| 88420 | XXXXX | Qualifying FICO | XXX | XXX | Foreign National borrower with no FICO. |
| 88439 | XXXXX | Monthly Total Escrow Payment | XXX | XXX | Per Final Settlement Statement, estimated escrow is $XXX |
| 88469 | XXXXX | Monthly Total Escrow Payment | XXX | XXX | Tax and HOI docs verify total escrow of $XXX |
| 88523 | XXXXX | Monthly Total Escrow Payment | XXX | XXX | Impounds Waived |
| 88529 | XXXXX | Monthly Total Escrow Payment | XXX | XXX | Tax and HOI docs verify monthly escrow of $XXX |
| 88474 | XXXXX | Qualifying FICO | XXX | XXX | Highest middle score |
| 88474 | XXXXX | Monthly Total Escrow Payment | XXX | XXX | tax and insurance not HOA |
| 88546 | XXXXX | Monthly Total Escrow Payment | XXX | XXX | Tax and HOI docs verify total escrow of $XXX |
| 88535 | XXXXX | Monthly Total Escrow Payment | XXX | XXX | Tax and HOI docs verify monthly escrow of $XXX |
| 88552 | XXXXX | Monthly Total Escrow Payment | XXX | XXX | $XXX |
| 88446 | XXXXX | Monthly Total Escrow Payment | XXX | XXX | Confirmed total monthly taxes $XXX |
| 88551 | XXXXX | Monthly Total Escrow Payment | XXX | XXX | Per Final CD, escrow are waived. Tape data is estimated taxes, insurance and assessment. |
| 88541 | XXXXX | Monthly Total Escrow Payment | XXX | XXX | Per Final CD, estimated escrow is $XXX |
| 88495 | XXXXX | Monthly Total Escrow Payment | XXX | XXX | Tax and HOI docs used to verify total escrow of $XXX |
| 88495 | XXXXX | Originator DSCR | XXX | XXX | The lender used PITI of $XXX |
| 88509 | XXXXX | Monthly Total Escrow Payment | XXX | XXX | Tax and HOI docs verify total monthly escrow of $XXX |
| 88480 | XXXXX | Monthly Total Escrow Payment | XXX | XXX | The tax and HOI docs verify the total monthly escrow. |
| 88480 | XXXXX | Originator DSCR | XXX | XXX | The lender has DSCR as XXX instead of the audit DSCR of XXX due to the lender using $XXX |
| 88482 | XXXXX | Monthly Total Escrow Payment | XXX | XXX | Flood Insurance only for $XXX |
| 88555 | XXXXX | Monthly Total Escrow Payment | XXX | XXX | Per Final CD, estimated escrow is $XXX |
| 88463 | XXXXX | Monthly Total Escrow Payment | XXX | XXX | Tax and Insurance not HOA |
| 88484 | XXXXX | Originator DSCR | XXX | XXX | Audit PITI for subject is $XXX |
| 87866 | XXXXX | Originator Doc Type | XXX | XXX | Coding. |
| 87866 | XXXXX | Borrower 1 Qualifying Income | XXX | XXX | Slight difference in the income calculator. |
| 87866 | XXXXX | Total Qualified Assets Available | XXX | XXX | Does not include equity. |
| 87866 | XXXXX | Qualifying Total Reserves Number of Months | XXX | XXX | Rounding. |
| 87866 | XXXXX | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Data entry. |

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## Exhibit 99.02

[MFA 2026-NQM2 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.02 - Schedule 2**

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **MFA Loan ID** | **Seller Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original Balance** | **State** | **TPR QM ATR Status** | **Loan Status** | **Exception Date** | **Remediation Status** | **Exception ID** | **Exception Type** | **Exception Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception Rebuttal Response Date** | **Compensating Factors** |
| 86130 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/25/2025 | Resolved | FCRE3653 | Credit | Missing letter of explanation | A signed XXX% Access Letter from XXX, XX/XX/XXXX, for XXX, #XXX, is required. | Document Uploaded. | 09/02/2025 | Documentation is sufficient. Access letter provided. Exception resolved. | 09/03/2025 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 86130 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/25/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 08/26/2025 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 86130 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 08/25/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 08/26/2025 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 87182 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/08/2025 | Cured | finding-1479 | Compliance | TX SB 1581 High-Cost Home Loan Credit Transaction Points and Fees Threshold Test | This loan failed the high-cost home loan credit transaction points and fees test due to one of the following findings: (XXX Sec. XXX (XXX)(E) he date creditor received application is before January XXX; andThe total points and fees payable by the consumer at or before loan closing is XXX which exceeds the greater of XXX percent of the "total loan amount" (as defined in the official commentary to paragraph XXX(a)(XXX)(ii)), or $XXX he date creditor received application is on or after XXX; andThe loan amount is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX and the transaction's total points and fees is XXX which exceeds the lesser of XXX percent of the total loan amount of XXX or $XXX. The following fees were included in testing:XXX (Indirect) XXX Points - Loan Discount Fee paid by Borrower: XXX Underwriting Fee paid by Borrower: XXX Per XXX (pg. XXX), the Pre-Discounted Rate was missing and the loan failed for High Cost testing. Refund of XXX with PCCD, LOE, Copy of refund check and proof of delivery are required. | Please RUSH review of these comments and docs. Loan is current. Borrower made payment XX/XX/XXXX. Attached is the cashed check confirming the borrower proceeded with the file.; Reached out to XXX team requesting call with XXX on XX/XX/XXXX orXX/XX/XXXX; XX/XX/XXXX Please review XXX latest counter response: Section XXX of the Finance Code does provide a XXX-day cure period for a lender to correct a "violation" of Chapter XXX including the high-cost home loan restrictions and requirements (see below). Sec. XXX. CORRECTION RESULTING IN NO LIABILITY. (a) A person is not liable to an obligor for a violation of this subtitle if: XXX not later than the 60th day after the date on which the person actually discovered the violation, the person corrects the violation as to that obligor by: (A) performing the required act; or (B) refunding the amount in excess of the amount authorized by law; and XXX the person gives to the obligor written notice of the violation as provided by Section XXX before the obligor: (A) gives written notice of that violation; or (B) files an action alleging that violation. The excess points have been cured and the borrower has been given written notice of such. The loan should no longer be classified as a High Cost given the refunded points. Although true that XXX does not have cure provisions explicitly stated, it does not prohibit a cure as it follows the federal statute that allows for one. ; Compliance response: The original undiscounted rate of XXX% was incorrect. It should have been XXX%. We cured the excess points and fees. Our loan is passing XXX High Cost on the most recent LDR. XXX also does not explicitly prohibit against a cure in its statute. XXX Finance Code Title XXX Regulation of Interest, Loans, and Financed Transactions Chapter XXX Home loans. Subchapter C. High-Cost Home Loans. Sec. XXX (E) defines a High-Cost Home Loan as: "a credit transaction described by XXX C. Section XXX as amended, except that the term includes a residential mortgage transaction, as defined by XXX C. Section XXX as amended, if the total loan amount is XXX or more and: (i) the annual percentage rate exceeds the rate indicated in XXX C. Section XXX(a)(XXX)(i), as amended; or (ii) the total points and fees payable by the consumer at or before loan closing will exceed the amount indicated in XXX C. Section XXX(a)(XXX)(ii), as amended. XXX "Points and fees" has the meaning assigned by XXX C. Section XXX(b), as amended." XXX for a cure to remove the high-cost designation. If XXX follows federal statute, as stated above, the loan can no-longer be classified as a high-cost mortgage. The LDR is showing a pass in both federal and state statutes after the cure. In addition, XXX prohibits a balloon payment, negative amortization, and a prepayment penalty. The loan does not have these features. ; Document Uploaded. Uploading correction of errors. ; Document Uploaded. LDR uploaded showing passing federal and state high cost tests. | 11/12/2025 | PCCD, LOE, copy of check and proof of receipt provided within XXX days of discovery which downgrades the exception to a B. Exception cured within XXX days of the creditor's discovery or receipt of notification of an unintentional violation or bona fide error and prior to the institution of any action. The consumer was notified of the compliance failure, appropriate restitution was made, and whatever adjustments necessary were made to the loan to either, (A) make the loan satisfy the requirements of this part; or (B) in the case of a high-cost mortgage, change the terms of the loan in a manner beneficial so that the loan will no longer be a high-cost mortgage. The consumer accepted a change in terms of the loan in a manner beneficial so that the loan will no longer be a high-cost mortgage. ; We have confirmed with outside counsel that, because the state statute does not provide express cure provisions, the XXX High-Cost violations are incurable. If your counsel has received written guidance stating otherwise, we can provide to outside counsel for further review.; The undiscounted rate exceeds the APOR based on the date the rate is set by more than XXX% therefore testing will include the entire loan discount fee in the points and fees calculation. Updated testing based on the confirmation below; undiscounted rate of XXX% is greater than XXX% above the average prime offer rate of XXX% therefore none of the discount points are considered bona fide and excludable. XXX does not explicitly prohibit high-cost cure, however, unlike most other states, the statute does not include any cure provisions. Per outside counsel, given the above, the violation cannot be cured.; Acknowledged as XXX grading per client request.; PCCD, LOE, copy of check and proof of receipt provided within XXX days of discovery which downgrades the exception to a B. Exception cured within XXX days of the creditor's discovery or receipt of notification of an unintentional violation or bona fide error and prior to the institution of any action. The consumer was notified of the compliance failure, appropriate restitution was made, and whatever adjustments necessary were made to the loan to either, (A) make the loan satisfy the requirements of this part; or (B) in the case of a high-cost mortgage, change the terms of the loan in a manner beneficial so that the loan will no longer be a high-cost mortgage. The consumer accepted a change in terms of the loan in a manner beneficial so that the loan will no longer be a high-cost mortgage. ; We have confirmed with outside counsel that, because the state statute does not provide express cure provisions, the XXX High-Cost violations are incurable. If your counsel has received written guidance stating otherwise, we can provide to outside counsel for further review.; The undiscounted rate exceeds the APOR based on the date the rate is set by more than XXX% therefore testing will include the entire loan discount fee in the points and fees calculation. Updated testing based on the confirmation below; undiscounted rate of XXX% is greater than XXX% above the average prime offer rate of XXX% therefore none of the discount points are considered bona fide and excludable. XXX does not explicitly prohibit high-cost cure, however, unlike most other states, the statute does not include any cure provisions. Per outside counsel, given the above, the violation cannot be cured.; Acknowledged as XXX/C grading per client request.; XXX does not have a cure provision available therefore it cannot be downgraded; Loan detail report shows bona fide discount points excluded, however the pre-discounted rate is indicated as XXX% but the note rate is XX/XX/XXXX therefore the undiscounted rate cannot be used to exclude discount points. Provided starting adjusted rate/undiscounted rate for review | 11/12/2025 | C B A |
| 87182 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/08/2025 | Cured | finding-3408 | Compliance | High-Cost Mortgage Late Fee Test | This loan failed the high-cost mortgage late charges test for one of the following reasons: (12 CFR §XXX(a)(XXX)(i) he loan provides for a late payment fee in excess of XXX% of the amount of the payment past due; orA value for the late charges amount was not provided ny late payment charge imposed in connection with a high-cost mortgage must be specifically permitted by the terms of the loan contract or open-end credit agreement and may not exceed XXX percent of the amount of the payment past due. No such charge may be imposed more than once for a single late payment. The following fees were included in testing: Mortgage Broker Fee (Indirect) XXX Points - Loan Discount Fee paid by Borrower: XXX Underwriting Fee paid by Borrower: XXX Per client's XXX Report (pg. XXX), the Pre-Discounted Rate was missing and the loan failed for High Cost testing. Refund of XXX with PCCD, LOE, Copy of refund check and proof of delivery are required. | Document Uploaded. Uploading correction of errors. ; Document Uploaded. LDR uploaded showing passing federal and state high cost tests. | 09/17/2025 | Cure package provided to the borrower; Cure package provided to the borrower; Loan detail report shows bona fide discount points excluded, however the pre-discounted rate is indicated as XXX% but the note rate is XX/XX/XXXX therefore the undiscounted rate cannot be used to exclude discount points. Provided starting adjusted rate/undiscounted rate for review | 09/18/2025 | C B A |
| 87182 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/08/2025 | Cured | finding-3406 | Compliance | High-Cost Mortgage Pre-Loan Counseling Date Test | This loan failed the high-cost mortgage pre-loan counseling date test due to one of the following findings: (12 CFR §XXX(a)(XXX)(i), (ii) he loan is a XXX RESPA loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the good faith estimate or the disclosures required by 12 CFR §XXX; orThe loan is a XXX TRID loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received either the initial loan estimate or the disclosures required by 12 CFR §XXX; orThe loan is a chattel loan and the High-Cost Mortgage Pre-Loan Counseling Date indicates the creditor did not receive written certification that the consumer has obtained counseling on the advisability of the mortgage after the consumer received the disclosures required by 12 CFR §XXX; orThe High-Cost Mortgage Pre-Loan Counseling Date was not provided; orThe High-Cost Mortgage Pre-Loan Counseling Date is on or after the closing date or estimated closing date ertification of counseling required. A creditor shall not extend a high-cost mortgage to a consumer unless the creditor receives written certification that the consumer has obtained counseling on the advisability of the mortgage from a counselor that is approved to provide such counseling by the XXX or, if permitted by the Secretary, by a State housing finance authority.(ii) Timing of counseling. The counseling required under this paragraph (a)(XXX) must occur after:(A) The consumer receives either the disclosure required by section XXX(c) of the Real Estate Settlement Procedures Act of XXX (XXX U. XXX(c)) or the disclosures required by §XXX; or(B) The consumer receives the disclosures required by §XXX(c), for transactions in which neither of the disclosures listed in (A) are provided. The following fees were included in testing: Mortgage Broker Fee (Indirect) XXX Points - Loan Discount Fee paid by Borrower: XXX Underwriting Fee paid by Borrower: XXX Per client's XXX Report (pg. XXX), the Pre-Discounted Rate was missing and the loan failed for High Cost testing. Refund of XXX with PCCD, LOE, Copy of refund check and proof of delivery are required. | Document Uploaded. Uploading correction of errors. ; Document Uploaded. LDR uploaded showing passing federal and state high cost tests. | 09/17/2025 | Cure package provided to the borrower; Cure package provided to the borrower; Loan detail report shows bona fide discount points excluded, however the pre-discounted rate is indicated as XXX% but the note rate is XX/XX/XXXX therefore the undiscounted rate cannot be used to exclude discount points. Provided starting adjusted rate/undiscounted rate for review | 09/18/2025 | C B A |
| 87182 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/08/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § XXX(a)(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant, downgraded to A |  |  | Compliant | 09/18/2025 | C B A |
| 87182 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/08/2025 | Cured | finding-3393 | Compliance | High-Cost Mortgage Points and Fees Threshold Test | This loan failed the high-cost mortgage points and fees threshold test due to one of the following findings: (12 CFR §XXX(a)(XXX)(ii)(A), (B) he loan amount is XXX or more, and the transaction's total points and fees is XXX which exceeds XXX percent of the total loan amount of $XXX; orThe loan amount is less than XXX and the transaction's total points and fees is XXX which exceeds the lesser of XXX percent of the total loan amount of XXX or $XXX. The following fees were included in testing: Mortgage Broker Fee (Indirect) XXX Points - Loan Discount Fee paid by Borrower: XXX Underwriting Fee paid by Borrower: XXX Per client's XXX Report (pg. XXX), the Pre-Discounted Rate was missing and the loan failed for High Cost testing. Refund of XXX with PCCD, LOE, Copy of refund check and proof of delivery are required. | Document Uploaded. Uploading correction of errors. ; Document Uploaded. LDR uploaded showing passing federal and state high cost tests. | 09/17/2025 | Cure package provided to the borrower; Cure package provided to the borrower; Loan detail report shows bona fide discount points excluded, however the pre-discounted rate is indicated as XXX% but the note rate is XX/XX/XXXX therefore the undiscounted rate cannot be used to exclude discount points. Provided starting adjusted rate/undiscounted rate for review | 09/18/2025 | C B A |
| 87182 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/08/2025 | Cured | finding-3399 | Compliance | High-Cost Mortgage Timing of Disclosure Test | This loan failed the high-cost mortgage timing of disclosure test due to one of the following findings: (12 CFR §XXX(c) he High-Cost Mortgage Disclosure Date indicates the creditor did not furnish the disclosure required by 12 CFR §XXX at least three business days prior to the consummation or account opening of a high-cost mortgage; orThe High-Cost Mortgage Disclosure Date was not provided; orNeither the consummation date nor the closing date was provided. The following fees were included in testing: Mortgage Broker Fee (Indirect) XXX Points - Loan Discount Fee paid by Borrower: XXX Underwriting Fee paid by Borrower: XXX Per client's XXX Report (pg. XXX), the Pre-Discounted Rate was missing and the loan failed for High Cost testing. Refund of XXX with PCCD, LOE, Copy of refund check and proof of delivery are required. | Document Uploaded. Uploading correction of errors. ; Document Uploaded. LDR uploaded showing passing federal and state high cost tests. | 09/17/2025 | Cure package provided to the borrower; Cure package provided to the borrower; Loan detail report shows bona fide discount points excluded, however the pre-discounted rate is indicated as XXX% but the note rate is XX/XX/XXXX therefore the undiscounted rate cannot be used to exclude discount points. Provided starting adjusted rate/unidscounted rate for review | 09/18/2025 | C B A |
| 87182 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/08/2025 | Acknowledged | FCRE6696 | Credit | Employment Self-Employed Less Than 2 Years at Origination | State documentation in file reflects the borrower's business was formed XXX; however, the application date for this transaction is XXX which is less than a XXX year history of self-employment. It is mentioned on the Underwriting Approval Worksheet it is ok to treat as XXX months XXX; however, no exception is in file and no compensating factors are mentioned. | Uploading updated XXX with comp factors | 09/11/2025 | Lender exception approval provided - OK per XXX for less than XXX yrs self-employment. Comp factors XXX FICO, significant reserves with cash-out, subject C3 condition, comparable sales have a very low average DOM. | 09/12/2025 | C B A |
| 87182 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/08/2025 | Resolved | finding-3532 | Compliance | Initial Closing Disclosure Delivery Date Test | This loan failed the initial closing disclosure delivery date test due to one of the following findings:(12 CFR §XXX(f)(XXX)(ii) he 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 §XXX(f)(XXX)(i) no later than three business days before consummation. Documentation required to clear exception. Consummation date is XX/XX/XXXX, however the earliest CD found in the file is dated XX/XX/XXXX and was signed on XX/XX/XXXX. The initial CD was delivered in person and is dated less than XXX business days prior to consummation. The file does not contain information whether an earlier CD was provided to the borrower. Please provide any and all CDs that were provided to the borrower, and additional testing will be completed. | Document Uploaded. Signed initial CD has been uploaded. | 09/10/2025 | Initial CD received; exception resolved; Initial CD received; exception resolved | 09/12/2025 | C B A |
| 87182 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 09/08/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 09/08/2025 | C B A |
| 87098 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/22/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Compliant | 09/22/2025 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| 87098 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/22/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Compliant | 09/22/2025 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| 87098 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 09/22/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Compliant | 09/22/2025 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| 87868 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/07/2025 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: The appraisal was completed as a single family dwelling with an ADU. The XXX listings shows XXX detached modular units that are nearly identical. The market rent is XXX per month per unit. The subject is considered a Unique Property. Provide a Field Review and the YTD short term rental ledger from the management company for each unit (XXX). XXX XX/XX/XXXX, XX/XX/XXXX | The XXX came back at XXX and the LTV is only XXX% Value is supported and satisfies XXX Lending guidelines. XXX properties like this are common in XXX areas like XXX, and the greater XXX area. | 10/09/2025 | Property/Appraisal Meets Guidelines | 10/10/2025 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| 87868 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 10/07/2025 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with XXX. Check XXX. |  | 10/09/2025 | All Interested Parties Checked against Exclusionary Lists | 10/10/2025 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| 87870 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/15/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 12/16/2025 | A |
| 87870 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/15/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 12/16/2025 | A |
| 87878 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/08/2026 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The loan application reflects a cash gift of XXX A letter in the file states the gift is no longer required. The source of funds for closing are reflected on the loan application. Provide loan application removing gift as a source of funds. XXX XX/XX/XXXX XX/XX/XXXX | Uploading updated XXX | 01/09/2026 | Asset Qualification Meets Guideline Requirements.; XXX provided section XXX. of loan application removing gift as a source of funds. XXX XX/XX/XXXX XX/XX/XXXX | 01/11/2026 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 87878 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/08/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/08/2026 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 87878 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/08/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/08/2026 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 88437 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/21/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/22/2026 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| 88437 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/22/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/22/2026 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| 88519 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/26/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/27/2026 | Borrower has stable job time - Borrower has XXX years on job. A |
| 88519 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/27/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/27/2026 | Borrower has stable job time - Borrower has XXX years on job. A |
| 88519 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/27/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/27/2026 | Borrower has stable job time - Borrower has XXX years on job. A |
| 88502 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/26/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/27/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 88502 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/27/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/27/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 88502 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/27/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/27/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 88436 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/27/2026 | Acknowledged | FCRE8201 | Credit | Loan does not conform to program guidelines | The subject property is vacant and there is no lease in the file. XXX requires a current lease agreement, vacant properties are ineligible for cash out refinance. | Document Uploaded. Uploading updated XXX with comp factors | 01/28/2026 | Lender exception approval provided - Ok per XXX for cash out on a vacant property. Comp factors XXX FICO, XXX DSCR, XXX LTV, subject C3 condition. | 01/29/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| 88436 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/27/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 01/28/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| 88430 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/28/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/29/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| 88430 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/28/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/29/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| 88508 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/30/2026 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | TILA 130b Cure Required. Refund in the amount of XXX cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to the increase in HOA Insurance Cert Fee on the final CD without a valid COC in file This loan failed the charges that cannot increase test. (12 CFR §XXX(e)(XXX)(i) he loan contains charges that exceed the good faith determination according to §XXX(e)(XXX)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(XXX)(i). | Document Uploaded. Correction of Errors uploaded for review; Requested XXX to review | 02/05/2026 | Cure package provided to the borrower; exception downgraded to a XXX; Cure package provided to the borrower; exception downgraded to a XXX | 02/07/2026 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX B A |
| 88508 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/30/2026 | Acknowledged | FCRE8201 | Credit | Loan does not conform to program guidelines | Lender Approved Exception on XX/XX/XXXX XXX WITH XXX & XXX Discount (Net XXX) XXX. Compensating Factors : FICO > XXX and XXX reserves. |  |  | Lender exception with compensating factors: FICO > XXX and XXX reserves. | 01/30/2026 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX B A |
| 88508 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 01/30/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/30/2026 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX B A |
| 88447 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/29/2026 | Resolved | FCRE1319 | Credit | Borrower 1 Personal Tax Returns Missing | Borrower XXX Personal Tax Returns Missing Missing acceptable XXX documentation supporting existence of the business AND verification of income covering the most recent one XXX or two XXX earnings with signed XXX's as well as other applicable supporting documentation (i.: XXX's, XXXs, etc) for B1. Per Final XXX reflects B1 has ownership of XXX% or more with XXX for $XXX/per month. Received current paystub, XXX paystub and XXX W2 only. | Document Uploaded. Both borrowers are XXX wage earners. The previous XXX reflected self-employment in error. Uploading corrected XXX | 01/30/2026 | Borrower XXX Personal Tax Returns Provided | 02/02/2026 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 88447 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/29/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/30/2026 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 88447 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/29/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/30/2026 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 88449 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/03/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/04/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 88449 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/03/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/04/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 88449 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/03/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/04/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 88424 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/10/2026 | Resolved | FCRE3500 | Credit | Borrower residency documentation not provided or issue with documentation | The borrower is a non-permanent resident, the employment authorization card expired XX/XX/XXXX. Provide an XXX /card or proof the borrower resides under terms of a XXX reflecting current legal status. | Since this document expired, the loan is treated as an ITIN loan for pricing. We would not need an ITIN letter since they have an XXX card. The XXX does not have an ITIN option so we go with XXX. | 02/10/2026 | Lender confirmed - Since this document expired, the loan is treated as an ITIN loan for pricing. We would not need an ITIN letter since they have an XXX card. The XXX does not have an ITIN option so we go with NPRA. | 02/11/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| 88424 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/10/2026 | Acknowledged | FCRE1254 | Credit | Property Title Issue | Property Title Issue The Lender requires impounds with approval of the XXX score/No Score program. The settlement statement reflects impounds were not collected. | Document Uploaded. Uploading updated ULAW with comp factors. | 02/10/2026 | Lender exception approval provided - OK per XXX for only a single trade using taxes as XXX month history (also covers waiving impounds), comp factors, XXX FICO, XXX% LTV, XXX DSCR.; Property Title Issue The Lender requires impounds with approval of the XXX score/No Score program. The settlement statement reflects impounds were not collected. | 02/11/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| 88424 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/10/2026 | Acknowledged | FCRE0376 | Credit | Tradelines do not meet Guideline Requirements | The lender's minimum tradeline requirements have not been met per guidelines. The credit report reflects XXX credit scores and XXX for XXX months which does not meet credit requirements. Deficient tradelines require XXX month housing history; however, the borrower has no housing payment history (owned free/clear). Lender exception to allow proof property tax is current and XXX is paid under the deficient credit program. Provide additional compensating factor. | Document Uploaded. Uploading updated ULAW with comp factors. | 02/10/2026 | Lender exception approval provided - OK per XXX for only a single trade using taxes as XXX month history (also covers waiving impounds), comp factors, XXX FICO, XXX% LTV, XXX DSCR.; ; The lender's minimum tradeline requirements have not been met per guidelines. The credit report reflects XXX credit scores and XXX tradeline open for XXX months which does not meet credit requirements. Deficient tradelines require XXX month housing history; however, the borrower has no housing payment history (owned free/clear). Lender exception to allow proof property tax is current and XXX is paid under the deficient credit program. Provide additional compensating factor. ; The lender's minimum tradeline requirements have not been met per guidelines. The credit report reflects XXX credit scores and XXX tradeline open for XXX months which does not meet credit requirements. Deficient tradelines require XXX month housing history; however, the borrower has no housing payment history (owned free/clear). Lender exception to allow proof property tax is current and XXX is paid under the deficient credit program. Provide additional compensating factor. | 02/11/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| 88424 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/10/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/10/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| 88510 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/13/2026 | Rescinded | FCRE6843 | Credit | Asset General | Missing verification that XXX amount owed of XXX has been paid. | XXX does not validate that tax obligations were satisfied, that is a FNMA practice but not for Non-QM | 02/17/2026 | Lender confirmed - XXX does not validate that tax obligations were satisfied, that is a FNMA practice but not for Non-QM. | 02/18/2026 | C A |
| 88510 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/13/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/16/2026 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 88510 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/13/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/16/2026 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 88503 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/17/2026 | Acknowledged | FCRE1195 | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of XXX% exceeds Guideline CLTV of XXX% The Maximum CLTV/LTV for an XXX with XXX Fico is XXX% Lender exception in the file. Provide XXX compensating factors. | Uploading updated ULAW with comp factors | 02/17/2026 | Lender provided comp factors for exception approval - Ok to proceed with LTV XXX%, c/o XXX fico honor disclosed pricing - XX/XX/XXXX @XXX ((MTB this was disclosed to the borrower, XXX to honor)). Ok per XXX . for XXX% LTV/CLTV/HCLTV. Comp factors XXX FICO, XXX% DTI, S/E XXX yrs., subject C3 condition with kitchen updated 02/18/2026 Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% C B C B C B A A C A C C A C C C A C C C A C C C A C C C A C B B A A B B A A B B A A B B A A B B A A |  |  |
| 88503 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/17/2026 | Acknowledged | FCRE1196 | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of XXX% exceeds Guideline HCLTV of XXX% The Maximum CLTV/LTV for an XXX with XXX Fico is XXX% Lender exception in the file. Provide XXX compensating factors. | Uploading updated ULAW with comp factors | 02/17/2026 | Lender provided comp factors for exception approval - Ok to proceed with LTV XXX% ITIN c/o XXX fico honor disclosed pricing - XX/XX/XXXX @XXX ((MTB this was disclosed to the borrower, XXX to honor)). Ok per XXX . for XXX% LTV/CLTV/HCLTV. Comp factors XXX FICO, XXX% DTI, S/E XXX yrs., subject C3 condition with kitchen updated 02/18/2026 Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% C B C B C B A A C A C C A C C C A C C C A C C C A C C C A C B B A A B B A A B B A A B B A A B B A A |  |  |
| 88503 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/17/2026 | Acknowledged | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XXX% exceeds Guideline LTV of XXX% The Maximum CLTV/LTV for an XXX with XXX Fico is XXX% Lender exception in the file. Provide XXX compensating factors. | Document Uploaded. Uploading updated ULAW with comp factors | 02/17/2026 | Lender provided comp factors for exception approval - Ok to proceed with LTV XXX% ITIN c/o XXX fico honor disclosed pricing - XX/XX/XXXX @XXX ((MTB this was disclosed to the borrower, XXX to honor)). Ok per XXX . for XXX% LTV/CLTV/HCLTV. Comp factors XXX FICO, XXX% DTI, S/E XXX yrs., subject C3 condition with kitchen updated 02/18/2026 Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% C B C B C B A A C A C C A C C C A C C C A C C C A C C C A C B B A A B B A A B B A A B B A A B B A A |  |  |
| 88503 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/16/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § XXX(a)(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML Compliant. |  |  | Informational | 02/17/2026 | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 88503 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/17/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/17/2026 | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 88420 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/16/2026 | Resolved | FPRO1245 | Property | Appraisal is Expired | Primary Value Appraisal is Expired The appraisal is dated XX/XX/XXXX. Provide a recertification of value with photos. | Document Uploaded. Recert of Value uploaded | 02/17/2026 | Primary Value Appraisal is Not Expired Or Primary Valuation Does Not Exist | 02/20/2026 | C B A |
| 88420 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/16/2026 | Resolved | FCRE0377 | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). Provide a Replacement Cost Estimate to verify XXX coverage is sufficient. | Document Uploaded. Based on our requirements, the dwelling coverage should match the XXX or the XX. The agent advised they are no longer able to provide the RCE; however, she provided the Declarations page reflecting a dwelling coverage amount of XXX plus an Increased Cost endorsement that provides additional coverage if rebuilding costs exceed the original structure limit. The Increased Cost endorsement provides an additional XXX on top of the XXX dwelling coverage. Please review the attached the Declarations page for reference. ; This is a condo/apartment, and the appraised value is XXX Based on this, we can accept XXX% of the dwelling coverage XXX which makes the current coverage of XXX sufficient. | 02/19/2026 | The Total Hazard Coverage is greater than or equal to the Required Coverage Amount; Guidelines section XX/XX/XXXX states: The acceptable threshold for hazard insurance coverage must be equal to the lesser of (i) XXX% of the insurable value of the improvements, as established by the property insurer (or Appraiser) using a Replacement Cost Estimator ("RCE"), or (ii) the unpaid principal balance of the mortgage, as long as it is at least equal to or greater than XXX% of the insurable value of the improvement(s) on the RCE for damage or loss on a replacement cost basis. The RCE, if from the property insurer, must be issued within XXX calendar days of the file's funding, but may have been created at an earlier date. Unable to locate a guideline that states: if the subject property is a condo/apartment, and the appraised value is XXX Based on this, we can accept XXX% of the dwelling coverage. Please provide updated Dwelling coverage of XXX or an RCE. | 02/20/2026 | C B A |
| 88420 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/16/2026 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The settlement statement shows funds to close are $XXX. A transfer summary receipt shows XXX wired from XXX #XXX on XX/XX/XXXX. Provide an updated loan application to reflect the source of assets and XXX day paper trail for the funds wired to close from #XXX. | Document Uploaded. It is common for XXX to use an intermediary to handle the international wire. The intermediary bank simply moves the money, the borrower does not have a separate account with them nor any statements. Borrower used a service, , based out of XXX, then the funds were sent to XXX for the international wire coming into the XXX and then the XXX is our closer and our subject address is noted on the receipt. Uploading docs showing this information. | 02/17/2026 | Asset Qualification Meets Guideline Requirements | 02/20/2026 | C B A |
| 88420 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/16/2026 | Resolved | FCRE1206 | Credit | All Interested Parties Not Checked with Exclusionary Lists | All Interested Parties Not Checked with Exclusionary Lists. Check XXX. with Exclusionary lists. | XXX and XXX are no longer parties to the transaction. Therefore, they do not require to be checked against the exclusionary list | 02/17/2026 | All Interested Parties Checked against Exclusionary Lists | 02/20/2026 | C B A |
| 88420 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/16/2026 | Rescinded | FCRE1197 | Credit | Audited FICO is less than Guideline FICO | Audited FICO of is less than Guideline FICO of XXX DSCR 02/17/2026 ; Audited FICO of XXX is greater than or equal to Guideline FICO of XXX; Audited FICO of is less than Guideline FICO of XXX.; ; Audited FICO of is greater than or equal to Guideline FICO of XXX 02/18/2026 C B C A C A C B A A C C C A C C C A C C C A C C C A C C C A B A B A B A B A B A B A B A B A B A B A |  |  |  |  |  |
| 88420 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/16/2026 | Acknowledged | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: The subject was listed for sale on XX/XX/XXXX, the listing was removed XX/XX/XXXX less than XXX months from application date of XX/XX/XXXX. Lender exception in the file. Provide XXX compensating factors. | Document Uploaded. Uploading updated ULAW with comp factors | 02/17/2026 | Lender provided comp factors for exception approval - Listing removed XX/XX/XXXX - seasoned XXX months now from last listed date. see exception from XXX.. Ok per XXX for removal of listing 02/18/2026 C B C B C A C B A A C C C A C C C A C C C A C C C A C C C A B A B A B A B A B A B A B A B A B A B A |  |  |
| 88550 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/18/2026 | Resolved | FVAL3825 | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. FEMA disaster XXX dated XX/XX/XXXX. | Document Uploaded. Please review the PDI. | 02/23/2026 | Property Inspection Provided. | 02/27/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| 88550 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/18/2026 | Resolved | FPRO0383 | Property | FEMA Post Disaster Inspection Report not Provided | The subject property is a FEMA disaster case; however, the inspection report was not provided. FEMA disaster XXX dated XX/XX/XXXX. | Document Uploaded. Please review the PDI. | 02/23/2026 | FEMA Post Disaster Inspection report was provided. | 02/27/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| 88550 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/18/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing LOE/clarification regarding current residence at XXX – per Final XXX reflects rent and also reflected on REO. Per Manager loe, reflects B1 lives in a mobile home and pays lot rent – this supported by energy bill reflecting mobile and payment history reflects lot XXX . However, per DataTree and Drive report, reflects B1 is the owner and B1 loe reflects he owns it free and clear with no haz insurance. Provide clarification of – will he continue to pay lot rent since he is the owner of the lot? Will the mobile home be vacant? And need verification that the mobile home is owned free & clear. | Document Uploaded. Uploading LOE and updated ULAW accounting for lot rent. Uploading a XXX showing 'no record found.' XXX considers this sufficient evidence that the property is free and clear, as any existing lien would appear on the credit report | 02/26/2026 | Lender provided - LOE and updated ULAW accounting for lot rent. Uploading a XXX showing 'no record found.' XXX considers this sufficient evidence that the property is free and clear, as any existing lien would appear on the credit report | 02/27/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| 88550 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/18/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § XXX(a)(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Informational | 02/19/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| 88444 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/18/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/19/2026 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| 88444 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/18/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/19/2026 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| 88439 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/20/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/23/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 88439 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/20/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/23/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 88471 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/24/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/24/2026 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| 88471 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/24/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/24/2026 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| 88469 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/25/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/25/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 88469 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/25/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/25/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 88450 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/25/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/25/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 88450 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/25/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/25/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 88523 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/25/2026 | Resolved | FCRE1254 | Credit | Property Title Issue | Property Title Issue The property report reflects the borrower as owner of the subject since XXX; however, The XXX from XXX adding Borrower to Title is dated XX/XX/XXXX. A Borrower added to title via quit claim must be on title for at minimum XXX days before applying for a refinance transaction. Provide clarification of ownership requirements. XXX XX/XX/XXXX | Document Uploaded. Uploading proof borrower has been making payments for last XXX months which proves borrower has a vested interest | 02/25/2026 | Payment History Docs also on pgs XX/XX/XXXX in loan file.; Property Title Issue Resolved | 02/26/2026 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 88523 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/25/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/25/2026 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 88523 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/25/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/25/2026 | Borrower has stable job time - Borrower has XXX years on job. C A |
| 88478 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/24/2026 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The XXX receipt is in the file. Provide the XXX statement # XXX showing funds withdrawn. XXX XX/XX/XXXX | The wire receipt shows the borrower's name, account number and amount with all of the other info that would normally be on an outgoing wire so the receipt in file is agreeable to XXX Lending for sufficiently documenting who owned the funds. | 02/25/2026 | Asset Qualification Meets Guideline Requirements | 03/09/2026 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| 88478 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/24/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/25/2026 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| 88529 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/24/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/25/2026 | Borrower has stable job time - Borrower has XXX years on job. A |
| 88529 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/25/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/25/2026 | Borrower has stable job time - Borrower has XXX years on job. A |
| 88529 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/25/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/25/2026 | Borrower has stable job time - Borrower has XXX years on job. A |
| 88490 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/25/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 02/26/2026 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| 88490 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/25/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 02/26/2026 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| 88542 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/26/2026 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §XXX(e)(XXX)(i) he loan contains charges that exceed the good faith determination according to §XXX(e)(XXX)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(XXX)(i). TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase on 1004D XXX Appraisal Re-Inspection Fee XXX and. The COC's in file did not list a valid reason for the increases | The documents in question were received by XXX onXX/XX/XXXX. The fee was disclosed within XXX days of the delivery of documents. Finding is in error.; Document Uploaded. The 1004D and Re-inspection were reviewed and cleared by the XXX on XX/XX/XXXX, and the fees were disclosed onXX/XX/XXXX. | 03/17/2026 | Valid COC provided; exception resolved; Valid COC provided; exception resolved; This loan failed the charges that cannot increase test. (12 CFR §XXX(e)(XXX)(i) he loan contains charges that exceed the good faith determination according to §XXX(e)(XXX)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(XXX)(i).; Any increase subject to tolerance should be redisclosed within XXX business days of determining that an additional service will be needed, or within XXX business days of receiving knowledge of an increase in a previously disclosed amount, provided the increase is supported by a valid reason to support such a change. The timing commences upon confirming a service will be needed or receiving knowledge of the change. | 03/18/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 88542 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/26/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 02/26/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 88542 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/26/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 02/26/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 88474 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/26/2026 | Acknowledged | FCRE1194 | Credit | Audited LTV Exceeds Guideline LTV | Audited LTV of XXX% exceeds Guideline LTV of XXX% The maximum CLTV/LTV for a purchase of a Shor Term rental is XXX% A Lender exception is in the file. |  |  | Lender exception in file for LTV/CLTV supported by the following compensating factors: months reserves, DSCR ratio. Exception downgraded to a level XXX. | 02/26/2026 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX B A |
| 88474 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/26/2026 | Acknowledged | FCRE1195 | Credit | Audited CLTV Exceeds Guideline CLTV | Audited CLTV of XXX% exceeds Guideline CLTV of XXX% The maximum CLTV/LTV for a purchase of a Shor Term rental is XXX% A Lender exception is in the file. |  |  | Lender exception in file for LTV/CLTV supported by the following compensating factors: months reserves, DSCR ratio. Exception downgraded to a level XXX. | 02/26/2026 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX B A |
| 88474 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/26/2026 | Acknowledged | FCRE1196 | Credit | Audited HCLTV Exceeds Guideline HCLTV | Audited HLTV of XXX% exceeds Guideline HCLTV of XXX% The maximum CLTV/LTV for a purchase of a Shor Term rental is XXX% A Lender exception is in the file. |  |  | Lender exception in file for LTV/CLTV supported by the following compensating factors: months reserves, DSCR ratio. Exception downgraded to a level XXX. | 02/26/2026 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX B A |
| 88474 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/26/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 02/26/2026 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX B A |
| 88546 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/26/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 02/26/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 88546 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/26/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 02/26/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 88546 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/26/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § XXX(a)(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to XXX. | 02/26/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 88546 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/26/2026 | Resolved | finding-2962 | Compliance | CA AB 260 Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the XXX higher-priced mortgage loan test. (XXX Division XX/XX/XXXX(a) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXX provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to XXX. | 02/26/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 88535 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/27/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § XXX(a)(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to XXX. | 03/14/2026 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 88535 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/27/2026 | Cured | finding-3634 | Compliance | Charges That Cannot Increase Test | TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to the added 2nd appraisal fee on the CD dated XX/XX/XXXX. There COC in the file did not list a valid reason as to why the fee was added. This loan failed the charges that cannot increase test. (12 CFR §XXX(e)(XXX)(i) he loan contains charges that exceed the good faith determination according to §XXX(e)(XXX)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(XXX)(i). | Document Uploaded. Please review the COE. | 03/12/2026 | Cure package provided to the borrower; exception downgraded to a XXX; Cure package provided to the borrower; exception downgraded to a XXX | 03/14/2026 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 88535 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/26/2026 | Acknowledged | FCRE1441 | Credit | Delinquent Credit History Does Not Meet Guideline Requirements | Delinquent Credit History Does Not Meet Guideline Requirements Borrower was recently in XXX. Guidelines state to consider the transaction as Chapter XXX Bankruptcy, which would make this transaction ineligible. An approved exception is in file to allow the transaction not to be considered as Chapter XXX Bankruptcy. However, compensating factors are not noted. | Document Uploaded. Uploading updated ULAW with comp factors | 02/27/2026 | ; Lender exception approval with comp factors provided - treat as a BK13 with the payoff of all accounts included in XXX. No need to limit LTV to CCC requirements. Ok per XXX.. Ok per XXX . to not consider Chap. XXX BK. Comp factors XXX additional months reserves beyond what exception requires, subject C1 condition with a National builder. | 03/02/2026 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 88535 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/26/2026 | Resolved | FCRE8712 | Credit | Missing Verification of Rent | The file contains the lease for the current primary; however, the Verification of Rent is not in file. Lender to provide the Verification of Rent for XXX. | Document Uploaded. Uploading Verification of Rent for XXX | 02/27/2026 | Lender provided Rent/security deposit payment on borrower's bank statement ($XXX on XX/XX/XXXX and XXX on XX/XX/XXXX). | 03/02/2026 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 88535 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/26/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 02/27/2026 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 88552 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/26/2026 | Acknowledged | FCRE1197 | Credit | Audited FICO is less than Guideline FICO | Audited FICO of XXX is less than Guideline FICO of XXX An LTV of XXX% requires a XXX Fico score. Lender made an exception. Provide XXX compensating factors. | Document Uploaded. Uploading updated ULAW with comp factors | 02/27/2026 | Lender exception approval with comp factors provided: Ok per XXX. for XXX FICO. Comp factors XXX% DTI, XXX mos. reserves. | 03/02/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 88552 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/26/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 02/27/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 88552 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 02/26/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML with established escrows and met appraisal requirements This loan failed the higher-priced mortgage loan test. (12 CFR § XXX(a)(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Loan is HPML compliant and allowed per lender guidelines; therefore, downgraded to XXX. | 02/27/2026 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 88427 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/27/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 03/02/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| 88427 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/27/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 03/02/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| 88446 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/27/2026 | Resolved | FCRE1203 | Credit | Potential Fraud Reflected on Fraud Report | Potential Fraud Reflected on Fraud Report Fraud Report Alert that the XXX was used to file for dearth benefits. XXX signed and completed but not executed (page XXX) XXX Alert was not cleared. | Document Uploaded. Uploading XXX results showing a match. This clears the alert | 03/02/2026 | Potential Fraud Reflected on Fraud Report is Resolved or None Exists | 03/03/2026 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| 88446 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/27/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 03/02/2026 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| 88467 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/27/2026 | Resolved | FCRE1204 | Credit | Fraud Report Shows Uncleared Alerts | Fraud Report Shows Uncleared Alerts Missing verification B2 does not have any ownership in XXX , XXX as an undisclosed property - it is reflected on an Initial XXX but not on any Final XXX Per Fraud report, current owner is XXXXX. And XXX is not authorized to conduct business. | Document Uploaded. Uploading updated XXX Loan is a business purpose loan, the LO does not need to be licensed as it is not a TRID loan. | 03/02/2026 | Confirmed the LO does not need to be licensed as it is not a TRID loan.; All Fraud Report Alerts have been cleared or None Exist | 03/03/2026 | C A |
| 88467 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/27/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 03/02/2026 | C A |
| 88456 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/02/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 03/03/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 88456 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/02/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 03/03/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 88456 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/03/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 03/03/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 88460 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/02/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational Only | 03/03/2026 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| 88460 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/02/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 03/03/2026 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| 88460 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/03/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 03/03/2026 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| 88551 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/02/2026 | Resolved | FCRE7497 | Credit | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Missing hazard for XXX , XXX, XXX supporting $XXX/per month. | Document Uploaded. Uploading HOI coverage summary showing XXX per month | 03/03/2026 | Lender confirmed HOI doc on pg XXX is for REO XXX. | 03/04/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 88551 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/02/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 03/03/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 88551 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/02/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 03/03/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 88536 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/02/2026 | Resolved | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | Provide an HOA bill/XXX to confirm HOA status for the departure property. | Document Uploaded. Uploading XXX showing property is an XXX. There are no dues for this property | 03/03/2026 | Lender Uploaded XXX showing property is an SFR. There are no dues for this property | 03/04/2026 | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 88536 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/02/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational Only | 03/03/2026 | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 88536 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/03/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational Only | 03/03/2026 | Borrower has stable job time - Borrower has XXX years on job. \| XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 88541 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/03/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/04/2026 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 88541 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/03/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/04/2026 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 88541 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/03/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/04/2026 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 88495 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/03/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/04/2026 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 88495 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/03/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/04/2026 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 88528 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/03/2026 | Resolved | FCRE3978 | Credit | Missing Letter of Explanation (Credit) | The loan application reflects investment properties at XXX and XXX . Provide HOA bills/Letter stating there is no HOA for each property. | Document Uploaded. Uploading property profile for XXX showing it is office space and XXX for XXX and no HOA dues. | 03/04/2026 | Lender provided document showing No HOA for both properties. | 03/05/2026 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 88528 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/03/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/04/2026 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 88528 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/03/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/04/2026 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. D A |
| 88537 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/04/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/05/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 88537 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/04/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/05/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 88537 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/04/2026 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML Compliant This loan failed the higher-priced mortgage loan test. (12 CFR § XXX(a)(XXX) sing the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z hile the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §XXX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  |  | Informational | 03/05/2026 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 88509 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/04/2026 | Acknowledged | FCRE1193 | Credit | Audited DTI Exceeds Guideline DTI | Audited DTI of XXX% exceeds Guideline DTI of XXX% Audit DTI of XXX% exceeds the guideline maximum DTI of XXX% due to using the audit asset depletion for B1 of XXX instead of lender amount of XXX and for B2 of XXX instead of lender amount of $XXX. Also, the audit primary payment of XXX for B2 was not included in ratios by the lender. | Document Uploaded. XXX is getting a DTI of XXX% uploading XXX and AD calculations, an updated XXX to reflect XXX for XXX (this amount was included in the neg rents section for both borrowers but UW missed the taxes and updated ULAW with acknowledgment. If unable to clear, please provide all TPR income calculations as XXX has. | 03/10/2026 | Lender exception approval provided - Ok per XXX for DTI over XXX% but less than XXX% comp factors, XXX% LTV, significant reserves after closing, borr S/E XXX years, subject in C3 condition.; Audited DTI of XXX% exceeds Guideline DTI of XXX% | 03/10/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 88509 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/06/2026 | Resolved | FCRE1497 | Credit | ATR: Reasonable Income or Assets Not Considered | ATR: XXX Income or Assets Not Considered | XXX is getting a DTI of XXX% uploading 12MBS and AD calculations, an updated XXX to reflect XXX for XXXXXXXX (this amount was included in the neg rents section for both borrowers but UW missed the taxes and updated ULAW with acknowledgment. If unable to clear, please provide all TPR income calculations as XXX has.; Document Uploaded. XXX is getting a DTI of XXX% uploading 12MBS and AD calculations, an updated XXX to reflect XXX for XXX (this amount was included in the neg rents section for both borrowers but UW missed the taxes and updated ULAW with acknowledgment. If unable to clear, please provide all TPR income calculations as XXX has. | 03/09/2026 | ATR: XXX Income or Assets Was Considered | 03/10/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 88509 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/06/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/06/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 88509 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/06/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/06/2026 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 88525 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/04/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/05/2026 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 88525 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/04/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/05/2026 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 88525 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/04/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/05/2026 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 88466 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/04/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/05/2026 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 88466 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/04/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/05/2026 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 88480 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/05/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/06/2026 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| 88480 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/05/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/06/2026 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| 88482 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/05/2026 | Resolved | FCRE0377 | Credit | The Total Hazard Coverage is LESS than the Required Coverage Amount | The hazard insurance dwelling coverage of XXX is insufficient, not meeting the required coverage amount of ($XXX). Provide an XXX for the subject to verify sufficient XXX coverage. | Document Uploaded. Please review the updated policy, the subject is in XXX so there will be no RCE. | 03/11/2026 | The Total Hazard Coverage is greater than or equal to the Required Coverage Amount | 03/12/2026 | C B A |
| 88482 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/05/2026 | Acknowledged | FCRE1440 | Credit | Housing History Does Not Meet Guideline Requirements | Housing History Does Not Meet Guideline Requirements The property report for the Primary residence reflects a mortgage with XXX recorded XX/XX/XXXX. The subject loan has waived escrows, provide XXX months pay history from the primary residence mortgage or proof of satisfaction. | Document Uploaded. Uploading updated ULAW with comp factors | 03/09/2026 | Lender exception approval provided - Ok per XXX. for no impounds. Ok per XXX for not meeting minimum XXX% contribution of own funds when gift funds are used. Ok per XXX. for missing Appointment of Manager for XXX. signed by XXX. Comp factors XXX FICO, XXX DSCR, XXX mos. reserves. | 03/10/2026 | C B A |
| 88482 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/04/2026 | Acknowledged | FCRE1480 | Credit | Asset 2 Does Not Meet Guideline Requirements | Asset Record XXX Does Not Meet G/L Requirements A Gift Letter for XXX from the borrowers Spouse is provided; however, the source of the gift funds (name of institution/account number) is not provided. A Letter from the borrower states the gift is from funds paid to XXX held by a Trust belonging to spouse. There is an appointment of manager to the trust, reflecting donor is manager of the Trust (not signed by donor). Provide; source of funds letter signed by the donor XXX, proof donor is owner of the XXX, and Appointment of Manager for XXX. signed by donor. XXX XX/XX/XXXX | Document Uploaded. Uploading gift letter signed by XXX, fully executed Trust and updated ULAW with comp factors | 03/09/2026 | Lender exception approval provided - Ok per XXX. for no impounds. Ok per XXX for not meeting minimum XXX% contribution of own funds when gift funds are used. Ok per XXX for missing Appointment of Manager for XXX. signed by XXX. Comp factors XXX FICO, XXX DSCR, XXX mos. reserves.; Asset Record XXX Does Not Meet G/L Requirements | 03/10/2026 | C B A |
| 88482 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/05/2026 | Acknowledged | FCRE9992 | Credit | Borrower Contributions Do Not Met Guideline Minimum | Percent of Borrowers Funds for Down Payment of XXX% does not meet guideline minimum XXX% The purchase of an investment property requires minimum XXX% contribution from the borrowers funds. | Document Uploaded. Uploading updated ULAW with comp factors | 03/09/2026 | Lender exception approval provided - Ok per XXX for no impounds. Ok per XXX for not meeting minimum XXX% contribution of own funds when gift funds are used. Ok per XXX for missing Appointment of Manager for XXX. signed by XXX. Comp factors XXX FICO, XXX DSCR, XXX mos. reserves. | 03/10/2026 | C B A |
| 88482 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/04/2026 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The wired funds to close XXX does not reflect receipt of the gift from donor. Provide proof of receipt of gift funds. XXX XX/XX/XXXX & XX/XX/XXXX (LTV XXX% requires source and seasoning of funds) | Document Uploaded. Uploading LOE from XXX stating they are holding the proceeds from the refinance of XXX. Uploading funds to close wire showing funds were wired from XXX. | 03/09/2026 | Asset Qualification Meets Guideline Requirements; Asset Qualification Does Not Meet Guideline Requirements. | 03/10/2026 | C B A |
| 88482 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/05/2026 | Resolved | FCRE3500 | Credit | Borrower residency documentation not provided or issue with documentation | Provide a copy of the borrower social security card or XXX results. | Document Uploaded. Uploading XXX results | 03/09/2026 | Lender provided SSA form with SSN match. | 03/10/2026 | C B A |
| 88482 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/05/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/06/2026 | C B A |
| 88555 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/05/2026 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | TILA 130b Cure Required. Refund in the amount of $XXX; cure package requires a PCCD, LOE, Copy of Refund Check, and Proof of Delivery or Valid COC. The zero tolerance violation in the amount of XXX is due to increase from XXX to XXX for the HOA Cert Fee.. COC in file did not list a valid reason This loan failed the charges that cannot increase test. (12 CFR §XXX(e)(XXX)(i) he loan contains charges that exceed the good faith determination according to §XXX(e)(XXX)(i) ne or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX lease see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures n estimated closing cost disclosed pursuant to §XXX(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §XXX(e)(XXX)(i). | The XXX was delivered onXX/XX/XXXX, and the underwriter reviewed and cleared the invoice onXX/XX/XXXX, which is when the fee was updated. | 03/10/2026 | Lender confirmed receipt of the HOA cert on XX/XX/XXXX, exception resolved; Lender confirmed receipt of the HOA cert on XX/XX/XXXX, exception resolved | 03/11/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 88555 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/05/2026 | Resolved | FCRE0382 | Credit | Assets do not meet guideline requirements | When the Total Qualified Asset Post Close field contains a negative value, the required assets do not meet guidelines. Missing verification of em clearing account with updated account balance supporting cash to close. Per approved liquid assets worksheet, lender using XXX for ATR. Current total of funds to close are XXX with checking acct XXX #XXX date XX/XX/XXXX not reflecting the clearing of XXX on XX/XX/XXXX. Current assets are XXX short to close. | Document Uploaded. Uploading outgoing wire with certified escrow deposit receipt. Per XXX XX/XX/XXXX outgoing wire with certified escrow deposit receipt is sufficient for XXX clearance. Current assets are sufficient. | 03/09/2026 | Funds are found to meet guidelines. | 03/10/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 88555 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | Non-QM: Lender documented all ATR UW factors | Loan Review Complete | 03/05/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/06/2026 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 88463 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/05/2026 | Resolved | FVAL9739 | Property | Property/Appraisal General | Property/Appraisal guideline violation: The rent Ledger with XXX from XX/XX/XXXX - XX/XX/XXXX is in the file. A XXX month rent ledger is required to document actual rents. Provide the rent ledger from XX/XX/XXXX - XX/XX/XXXX. | Document Uploaded. Uploading ledger from XX/XX/XXXX – XX/XX/XXXX | 03/12/2026 | Property/Appraisal Meets Guidelines | 03/13/2026 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 88463 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/05/2026 | Resolved | FCRE0360 | Credit | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is incomplete. Provide the subject most recent HOA bill. | Document Uploaded. Uploading XXX showing HOA dues | 03/09/2026 | Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is not partially present. | 03/10/2026 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 88457 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/05/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/06/2026 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| 88457 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/05/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/06/2026 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX A |
| 88481 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/10/2026 | Resolved | FCRE5123 | Credit | Missing Business Entity Formation Document | The operating agreement reflects XXX members of the entity, (including borrower). The XXX consent is signed by XXX Provide the unanimous written consent signed by XXX. XXX XX/XX/XXXX | Document Uploaded. Uploading both consent forms, two signed one copy and three signed the other. | 03/10/2026 | Lender provided UWC signed by all members of the entity. | 03/11/2026 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX D A |
| 88481 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/10/2026 | Resolved | FCRE9500 | Credit | Missing Letter of Explanation (Assets) | Funds wired for the purchase originated in XXX #XXX with account holder XXX. Provide entity documents to verify the borrower is sole member or XXX from other members to state they approve of use of funds. XXX XX/XX/XXXX | Document Uploaded. Uploading XXX for #XXX. | 03/10/2026 | Lender provided LOE from XX stating borrower is XXX% owner of entity. | 03/11/2026 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX D A |
| 88481 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/10/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/10/2026 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX D A |
| 88484 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/10/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/11/2026 | A |
| 88484 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/11/2026 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 03/11/2026 | A |
| 88484 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/11/2026 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 03/11/2026 | A |
| 88488 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/10/2026 | Resolved | FVAL2477 | Property | Appraisal incomplete (missing map, layout, pages, etc.) | Three pages of the Appraisal report are in the file. Provide the complete appraisal with all addendums, sketch and photos. | Document Uploaded. Uploading full appraisal. | 03/11/2026 | Complete copy of Appraisal provided. | 03/12/2026 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX D A |
| 88488 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/10/2026 | Resolved | FCRE1491 | Credit | Asset Qualification Does Not Meet Guideline Requirements | Asset Qualification Does Not Meet Guideline Requirements The subject purchase settlement statement reflects XXX exchange funds $XXX. Provide the XXX exchange agreement or property sold settlement statement to verify property sold and source of the funds. XXX XX/XX/XXXX | Subject is a delayed refinance, the full XXX exchange agreement does not come into play nor is it required for this specific transaction. The XXX already notes exchange funds for XXX which is the same entity we are closing with. | 03/11/2026 | Asset Qualification Meets Guideline Requirements | 03/12/2026 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX D A |
| 88488 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/10/2026 | Resolved | FCRE3500 | Credit | Borrower residency documentation not provided or issue with documentation | Provide the XXX results. | Document Uploaded. Uploading XXX results. | 03/11/2026 | Lender provided XXX results that matches individual borrower's SSN. | 03/12/2026 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX D A |
| 88488 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/10/2026 | Resolved | FCRE5123 | Credit | Missing Business Entity Formation Document | The XXX reflects additional members;XXX. XXX is limited one. Provide the entity/Trust documents for XXX, XXX to verify there is no further nesting. XXX XX/XX/XXXX | XXX does not view it as multiple nesting since the guarantor is XXX% owner (only one layer) and the other four entities are minority owners that would not be validated as it is outside the scope of the underwrite. | 03/11/2026 | Lender confirmed - XXX lending does not view it as multiple nesting since the guarantor is XXX% owner (only one layer) and the other four entities are minority owners that would not be validated as it is outside the scope of the underwrite. There is also an email in loan file from XXX for Borrower with majority ownership interest. | 03/12/2026 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX D A |
| 88488 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 03/10/2026 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 03/11/2026 | XXX is Greater than the Guideline Minimum - XXX of XXX is greater than Guideline minimum FICO of XXX D A |
| 87866 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/31/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 09/03/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 87866 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 08/31/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 09/03/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 87866 | XXXXX | XXX | XXXXX | XX/XX/XXXX | $XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 09/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 09/03/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |

---

## Exhibit 99.02

[MFA 2026-NQM2 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.02 - Schedule 3**

---

| | | | |
|:---|:---|:---|:---|
| **MFA Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 86130 | XXXXX |  | $XXXXXX D A |
| 87182 | XXXXX |  | $XXXXXX C A B |
| 87098 | XXXXX |  | $XXXXXX A |
| 87868 | XXXXX |  | $XXXXXX C A |
| 87870 | XXXXX |  | $XXXXXX A |
| 87878 | XXXXX |  | $XXXXXX C A |
| 88437 | XXXXX |  | $XXXXXX A |
| 88519 | XXXXX |  | $XXXXXX A |
| 88502 | XXXXX |  | $XXXXXX A |
| 88436 | XXXXX |  | $XXXXXX C A B |
| 88430 | XXXXX |  | $XXXXXX A |
| 88508 | XXXXX |  | $XXXXXX C A B |
| 88447 | XXXXX |  | $XXXXXX D A |
| 88449 | XXXXX |  | $XXXXXX A |
| 88424 | XXXXX |  | $XXXXXX C A B |
| 88510 | XXXXX |  | $XXXXXX C A |
| 88503 | XXXXX |  | $XXXXXX C A B |
| 88420 | XXXXX |  | $XXXXXX C A B |
| 88550 | XXXXX |  | $XXXXXX D A |
| 88444 | XXXXX |  | $XXXXXX A |
| 88439 | XXXXX |  | $XXXXXX A |
| 88471 | XXXXX |  | $XXXXXX A |
| 88469 | XXXXX |  | $XXXXXX A |
| 88450 | XXXXX |  | $XXXXXX A |
| 88523 | XXXXX |  | $XXXXXX C A |
| 88478 | XXXXX |  | $XXXXXX C A |
| 88529 | XXXXX |  | $XXXXXX A |
| 88490 | XXXXX |  | $XXXXXX A |
| 88542 | XXXXX |  | $XXXXXX A C |
| 88474 | XXXXX |  | $XXXXXX C A B |
| 88546 | XXXXX |  | $XXXXXX A |
| 88535 | XXXXX |  | $XXXXXX D C A B |
| 88552 | XXXXX |  | $XXXXXX C A B |
| 88427 | XXXXX |  | $XXXXXX A |
| 88446 | XXXXX |  | $XXXXXX C A |
| 88467 | XXXXX |  | $XXXXXX C A |
| 88456 | XXXXX |  | $XXXXXX A |
| 88460 | XXXXX |  | $XXXXXX A |
| 88551 | XXXXX |  | $XXXXXX D A |
| 88536 | XXXXX |  | $XXXXXX D A |
| 88541 | XXXXX |  | $XXXXXX A |
| 88495 | XXXXX |  | $XXXXXX A |
| 88528 | XXXXX |  | $XXXXXX D A |
| 88537 | XXXXX |  | $XXXXXX A |
| 88509 | XXXXX |  | $XXXXXX C A B |
| 88525 | XXXXX |  | $XXXXXX A |
| 88466 | XXXXX |  | $XXXXXX A |
| 88480 | XXXXX |  | $XXXXXX A |
| 88482 | XXXXX |  | $XXXXXX C A B |
| 88555 | XXXXX |  | $XXXXXX C A |
| 88463 | XXXXX |  | $XXXXXX C A |
| 88457 | XXXXX |  | $XXXXXX A |
| 88481 | XXXXX |  | $XXXXXX D A |
| 88484 | XXXXX |  | $XXXXXX A |
| 88488 | XXXXX |  | $XXXXXX D A C |
| 87866 | XXXXX |  | $XXXXXX A |

---

## Exhibit 99.02

[MFA 2026-NQM2 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.02 - Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **MFA Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Second Desk Review Variance Amount** | **Second Desk Review Variance Percent** | **Second Desk Review Appraisal Date** | **Second Desk Review Appraised Value** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **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** |
| 86130 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 87182 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 87098 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | -.0048 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0048 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 87868 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.0 | 65.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 87870 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004C Manufactured Home | $XXX | 60.0 | 60.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 87878 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 58.22 | 58.22 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |  |
| 88437 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.99 | 74.99 | $XXX | $XXX | -.0385 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.0385 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.9 |  |
| 88519 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 73.25 | 73.25 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 88502 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 68.19 | 68.19 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 88436 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 37.68 | 37.68 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 |  |
| 88430 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |  |
| 88508 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 88447 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 79.9 | 79.9 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 88449 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.7 |  |
| 88424 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 36.31 | 36.31 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 88510 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 61.1 | 61.1 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 |  |
| 88503 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 88420 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 64.6 | 64.6 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 88550 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 88444 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 59.75 | 59.75 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 88439 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 54.05 | 54.05 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 88471 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004C Manufactured Home | $XXX | 60.0 | 60.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 88469 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 31.46 | 31.46 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 88450 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 66.09 | 66.09 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 88523 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 53.53 | 53.53 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 88478 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 88529 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 |  |
| 88490 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.0 | 65.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 88542 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 54.42 | 54.42 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 88474 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |  |
| 88546 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 88535 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 82.61 | 82.61 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 |  |
| 88552 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 88427 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.0 | 60.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |  |
| 88446 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.99 | 79.99 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 88467 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |  |
| 88456 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 50.0 | 50.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |  |
| 88460 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.0 | 65.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 88551 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 62.79 | 62.79 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 88536 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.0 | 60.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 88541 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 44.62 | 44.62 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 88495 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 57.95 | 57.95 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 88528 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 49.11 | 49.11 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 88537 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 88509 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 57.97 | 57.97 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 88525 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 56.25 | 56.25 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.1 |  |
| 88466 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.0 | 65.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 88480 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004C Manufactured Home | $XXX | 57.6 | 57.6 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 88482 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 88555 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 41.41 | 41.41 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.2 |  |
| 88463 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 50.0 | 50.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 |  |
| 88457 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  |
| 88481 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 88484 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.26 | 69.26 |  |  |  |  | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 88488 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 87866 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX |  | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.6 |  |

---

## Exhibit 99.02

[MFA 2026-NQM2 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.02 - Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **MFA Loan ID** | **Loan Number** | **ULI** | **Settlement Date** | **QM Type** | **Guideline Name** | **UW Guideline Author** | **UW Guideline Version Date** | **UW Guideline Matrix Name** | **UW Guideline Matrix Date** | **QM Regulation Failures** | **Bedroom Count** | **Approval Status** | **Correspondent Name** | **Pool** | **Application Date** | **Note Date** | **Maturity Date** | **Loan Status** | **Loan Type** | **Product Type** | **Agency ID** | **TRID** | **ARM Hybrid Period** | **Number of Borrowers** | **Borrower 1 First Name** | **Borrower 1 Middle Name** | **Borrower 1 Last Name** | **Borrower 2 First Name** | **Borrower 2 Middle Name** | **Borrower 2 Last Name** | **Borrower 3 First Name** | **Borrower 3 Middle Name** | **Borrower 3 Last Name** | **Borrower 4 First Name** | **Borrower 4 Middle Name** | **Borrower 4 Last Name** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Borrower 1 Job** | **Job Yrs Borrower 1** | **Borrower 2 Job** | **Job Yrs Borrower 2** | **Borrower 3 Job** | **Job Yrs Borrower 3** | **Borrower 4 Job** | **Job Yrs Borrower 4** | **Borrower 1 Occupation** | **Borrower 1 Years In Field** | **Borrower 2 Occupation** | **Borrower 2 Years In Field** | **Borrower 3 Occupation** | **Borrower 3 Years In Field** | **Borrower 4 Occupation** | **Borrower 4 Years In Field** | **Borrower 3 Income Verification Level** | **Borrower 4 Income Verification Level** | **Borrower 3 Employment Verification Level** | **Borrower 4 Employment Verification level** | **Borrower 1 First Time Buyer** | **Borrower 2 First Time Buyer** | **Borrower 3 First Time Buyer** | **Borrower 4 First Time Buyer** | **Representative Decision FICO Score** | **Borrower 3 Original FICO Equifax** | **Borrower 3 Original FICO Experian** | **Borrower 3 Original FICO Transunion** | **Borrower 4 Original FICO Equifax** | **Borrower 4 Original FICO Experian** | **Borrower 4 Original FICO Transunion** | **Borrower 1 Citizenship** | **Borrower 2 Citizenship** | **Borrower 3 Citizenship** | **Borrower 4 Citizenship** | **Documentation Type** | **Delayed Financing Flag** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Business & Personal Bank Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Months of Profit and Loss Statements** | **CPA Letter Flag** | **Expense letter Flag** | **Number of Months CPA Verified Income** | **WVOE Flag** | **Number of Months WVOE** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **1- year Tax Return Flag** | **Years of Tax Transcripts** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Front HTI Ratio** | **Back DTI Ratio** | **Borrower 3 Asset Verification Level** | **Borrower 4 Asset Verification Level** | **Liquid Assets** | **Total Assets** | **Reserves** | **Property Street Address** | **City** | **State** | **County** | **Zip** | **MI Company Name** | **Mortgage Insurance** | **MI Coverage Amount** | **MI Certificate Number** | **Flood Insurance Provided** | **Flood Policy Amount** | **Flood Expiration Date** | **Name of Flood Insurer** | **Flood Policy Number** | **Monthly Flood Payment** | **Flood Coverage Amount** | **Flood Policy Active** | **Flood Coverage Adeq** | **Flood Map Panel** | **Flood Mapped Date** | **Flood Certificate Number** | **Flood Certificate Date** | **Flood Vendor Name** | **Flood Zone** | **Flood Community** | **Flood Contract Type** | **Flood Program Type** | **Hazard Policy Amount** | **Hazard Expiration Date** | **Hazard Insurer Name** | **Hazard Policy Number** | **Hazard Coverage Amount** | **Hazard Coverage Active** | **Hazard Coverage Adeq** | **Times 30 Days DQ on Prior Mortgage** | **Times 60 Days DQ on Prior Mortgage** | **Times 90 Days DQ on Prior Mortgage** | **Prior Bankruptcy Flag** | **Bankruptcy Filing Date** | **Prior Bankruptcy Chapter** | **Prior bankruptcy Discharge Date** | **Ever In Foreclosure** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Origination Lender** | **Late Charge Type** | **Late Charges Percent** | **APR** | **Temporary Buydown Flag** | **T4506 Income Supported** | **Total Subject Housing Fully Indexed** | **Qualifying Fully Indexed P&I** | **Total Subject Housing** | **Original P&I** | **PITI** | **T&I** | **HOA** | **Primary Housing Payment** | **Second Mortgage Payment** | **Months Reserves** | **Other Liens Payment** | **Silent Second Lien Flag** | **Second Lien Amount** | **Lease in Place 1007/Lease in file** | **Market Rents** | **Subject Rental Income** | **Approved DSCR** | **Investment/No Ratio DSCR** | **LLC Flag** | **LLC Name** | **Short Term Rental** | **Declining Market** | **Guarantor** | **Units** | **Borrower SSN** | **Co Borrower SSN** | **Tax Payment** | **Residual Income** | **Times 30 Days DQ on 12 Prior Months of Current Mortgage History** | **Times 60 Days DQ on 12 Prior Months of Current Mortgage History** | **Times 90 Days DQ on 12 Prior Months of Current Mortgage History** | **Condo Project Classification** | **Default Note Rate Provision** | **MERS Number** |
| 86130 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX% |  |  |  | Yes | Yes | 24 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 87182 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX% |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 87098 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 40 Year Fixed IO |  | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 87868 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 87870 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 87878 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 |  |  |  | XXX% |  |  |  | Yes | Yes | 44 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 88437 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 88519 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX% |  |  |  | Yes | Yes | 24 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 88502 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX% |  |  |  | Yes | No | 216 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 88436 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 88430 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 |  |  |  | XXX% |  |  |  | Yes | No | 36 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 88508 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Depletion – Total Asset Calculation | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 | XXX | No | XXX |
| 88447 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 1 | 1 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 88449 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX% | XXX% |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 88424 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 88510 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  | XXX% | XXX% | Borrower Prepared | 12 | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 88503 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX% |  |  |  | Yes | No | 177 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 88420 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 88550 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX% |  |  |  | Yes | Yes | 36 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 88444 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 88439 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 | XXX | No | XXX |
| 88471 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 88469 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | No | XXX |
| 88450 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 88523 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX% |  |  |  | Yes | Yes | 215 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 88478 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 88529 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX% |  |  |  | Yes | Yes | 24 | Yes | 15 | 2 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 88490 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 88542 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 |  |  |  | XXX% |  |  |  | Yes | No | 192 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 88474 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 88546 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX% |  |  |  | Yes | No | 60 | Yes | 4 | 0 | 2 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 | XXX | No | XXX |
| 88535 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 2YR Full Doc | No | No | No |  |  |  |  |  |  |  | XXX% | Borrower Prepared | 12 | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 2 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 88552 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX% |  |  |  | Yes | Yes | 37 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 88427 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 88446 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 88467 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 88456 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 88460 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 88551 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX% |  | Third-Party Prepared (Unaudited) | 13 | Yes | No | 120 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 88536 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX% |  |  |  | Yes | No | 109 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 88541 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX% |  | Third-Party Prepared (Unaudited) | 12 | Yes | No | 36 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 88495 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 88528 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX% |  |  |  | Yes | Yes | 69 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 88537 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 |  |  |  | XXX% |  |  |  | Yes | No | 144 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 88509 | XXXXX |  | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX% |  |  |  | Yes | Yes | 36 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 88525 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX% |  |  |  | Yes | Yes | 24 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 88466 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 2 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 88480 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 88482 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 88555 | XXXXX | XXX | XX/XX/XXXX | Non-QM: Lender documented all ATR UW factors | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion – Total Asset Calculation | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | No | XXX |
| 88463 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 40 Year Fixed IO |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 | XXX | No | XXX |
| 88457 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 88481 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 88484 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 88488 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | N/A | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 |  | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | XXX | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |
| 87866 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX% |  |  |  | No | No | 0 | No |  | 1 | 0 | No | 1 | 1 | 1 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | 0 | 0 | 0 | XXX |  |  |  | XXX |  | XXX |  | XXX |  |  | XXX |  | XXX | Percent | 5.00 | XXX | No |  | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | 0 | 0 | 0 |  | No | XXX |

---

## Exhibit 99.03

[MFA 2026-NQM2 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.03**

![](ex9903001.jpg)

**NARRATIVE**

**MFA 2026-NQM2**

**By Canopy Financial Technology Partners LLC on May 20, 2026**

Canopy Financial Technology Partners LLC

<u>cwheeler@canopytpr.com</u> \| 720-371-8517 \| <u>www.canopytpr.com</u>

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

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

![](ex9903001.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 MFA Financial, Inc. (the "Client") or its affiliated company. The Review was conducted from September 2021 to July 2022 via files imaged and provided by the Client for review.

The Review consisted of a population of five (5) loans with an aggregate principal balance of $3,213,600.

**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 Organization (NRSRO), Fitch Ratings, Inc.

**Data Integrity**

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

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

![](ex9903001.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Logic Applied** |
| &nbsp;&nbsp;All Borrower Total Income | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43, Do not Apply Tolerance if DTI >= 43 and AUS = No |
| &nbsp;&nbsp;Amortized Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;ARM Lifetime Interest Rate Cap Maximum | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 1 Citizen | &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 Origination FICO | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 1 Self Employed Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 2 Origination FICO | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Borrower 2 Self-Employment Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Business Purpose Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Combined LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;.25% tolerance |
| &nbsp;&nbsp;Escrow Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Final Reviewed QM Status | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;First Interest Rate Change Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Higher Priced Mortgage Loan (HPML) Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Initial Monthly P&I or IO Payment | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Loan Amount/Draw Amount | &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;Maturity Date | &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 Rate | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Original Appraised Value | &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 Term | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;No tolerance |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;Apply 2.5% Tolerance If AUS = Yes and DTI > 0 or if AUS = No and DTI between 0 and 43 , Do not Apply Tolerance If DTI >= 43 and AUS = No |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;No tolerance |

---

**Credit Underwriting**

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

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

● Assets and Reserves;

● DTI;

● DSCR;

● Gross Income;

● Housing history;

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

![](ex9903001.jpg)

● Lien Position;

● Loan Purpose;

● LTV/CLTV;

● Monthly debt service;

● Occupancy;

● Property Type;

● Qualifying PITI; and

● Residual Income.

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

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

● Borrower(s) employment history ;

● Citizenship and eligibility;

● First time home buyer status ;

● The application was signed by all borrowers; and

● The application was substantially completed.

**Credit History:** Canopy verified:

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

● Bankruptcy and foreclosure seasoning;

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

● Installment and revolving payment history;

● Mortgage/rental payment history;

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

● Number of tradelines; and

● Representative Credit Score and Methodology.

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

● Verbal or Written VOE's;

● Paystubs;

● W-2 forms;

● Tax returns;

● Financial statements;

● Award letters;

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

![](ex9903001.jpg)

● 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

● 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;

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

![](ex9903001.jpg)

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

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

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

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

**Document Review**

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

● Initial application (1003);

● Final application (1003);

● Note;

● Mortgage/Deed of Trust;

● Appraisal;

● Sales Contract;

● Title Commitment/Policy;

● Junior Lien/Subordination Agreement;

● Mortgage Insurance;

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

● Flood Certification;

● Initial and Final Loan Estimate (LE);

● Initial and Final and Closing Disclosure (CD);

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

**Business Purpose Validation**

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

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

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

![](ex9903001.jpg)

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

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

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

**Compliance Review**

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

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

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

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

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

![](ex9903001.jpg)

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&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;&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 3.0" v.12/05/2019);

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

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

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

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

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

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

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

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

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

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**State & Local Anti-Predatory Requirements**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

● 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.

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

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

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

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

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

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If a loan was designated as QM and identified as eligible for guarantee, purchase, or insurance by an applicable Agency as permitted under the QM final rule, 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.

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**Valuation Review**

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

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

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

 ****

***Independent third-party values, CU Scores and fhlmc reps and warrants***

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

**Valuation Reconciliation Process:**

● If 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 & Non-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.

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

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

---

---

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

---

---

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

---

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---

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

---

 **FINDINGS SUMMARY**

**Summary Overview**

Canopy's review concluded the grading of the Credit, Property/Valuation, and Compliance sections. 100.00% or five (5) mortgage loans reviewed have an overall grade of "A" and 0.00% or zero (0) loans have an overall grade of "B".

Canopy's review concluded a Credit grade of "A" for 100.00% or (5) mortgage loan reviewed, and (0) "B" loans or 0.00%.

Canopy's review concluded a Compliance grade of "A" for 100.00% or (5) mortgage loans reviewed, and (0) "B" loans or 0.00%.

Canopy's review concluded a Property/Valuation grade of "A" for 100.00% or (5) mortgage loan reviewed, and (0) "B" loans or 0.00%.

 **FINDINGS TABLE**

**REVIEW TABLES**

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** | &nbsp;&nbsp;**OVERALL REVIEW RESULTS** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;5 | &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;NA | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**5** | &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;5 | &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;NA | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**5** | &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;5 | &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;NA | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**5** | &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;5 | &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;NA | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**5** | &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;5 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$3213600.00 |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**5** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$3213600.00** |

---

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

![](ex9903001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$3213600.00 |
| &nbsp;&nbsp;Second | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**5** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$3213600.00** |

---

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation—<br> Proceeds used to pay off existing loans <br> other than loans secured by real estate | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Cash Out: Other/Multi-Purpose/Unknown Purpose | &nbsp;&nbsp;3 | &nbsp;&nbsp;60.00% | &nbsp;&nbsp;$1533250.00 |
| &nbsp;&nbsp;Limited Cash Out (GSE Definition) | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;1 | &nbsp;&nbsp;20.00% | &nbsp;&nbsp;$400000.00 |
| &nbsp;&nbsp;Other Than First Time Home Purchase | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;1 | &nbsp;&nbsp;20.00% | &nbsp;&nbsp;$1280350.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**5** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$3213600.00** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;120 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;121 - 180 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;181 - 240 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;241 - 300 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;301 - 360 Months | &nbsp;&nbsp;5 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$3213600.00 |
| &nbsp;&nbsp;421 - 480 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**5** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$3213600.00** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;4 | &nbsp;&nbsp;80.00% | &nbsp;&nbsp;$2373600.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;1 | &nbsp;&nbsp;20.00% | &nbsp;&nbsp;$840000.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**5** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$3213600.00** |

---

 

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

 

**DATA COMPARISON RESULTS**

Of the five (5) mortgage loan files reviewed, three (3) unique loans (60.00% by number) had five (5) tape comparison discrepancies across three (3) data fields.

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Field Label** | &nbsp;&nbsp;**Logic Applied** | &nbsp;&nbsp;**# Loans with <br> Discrepancy** | &nbsp;&nbsp;**Total Times <br> Compared** | &nbsp;&nbsp;**% <br> Variance** |
| &nbsp;&nbsp;Annual Percent Rate (APR) | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;5 | &nbsp;&nbsp;40.00% |
| &nbsp;&nbsp;Escrow Flag | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;5 | &nbsp;&nbsp;20.00% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;5 | &nbsp;&nbsp;40.00% |

---

 

**Disclaimer**

 

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

 

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

 

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

 

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

 

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

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

## Exhibit 99.03

[MFA 2026-NQM2 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.03 - Schedule 1**

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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 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 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 | 106 | 107 | 108 | 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 | 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 |
| **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 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** | **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 Updated Credit Report Date** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **Appraiser License #** | **Appraiser First Name** | **Appraisal Last Name** | **Maturity Date** | **Number of Units** |
| 52606 |  |  | xxx | xxx | xxx |  |  |  | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | 3.999% |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx |  | xxx |  | xxx | xxx |  | 42.36% | 42.36% | 42.36% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No |  | 12 | 0 | No |  | 0 | 0 | 100.00% | 100.00% |  |  |  | 0 |  |  |  | 0 | Yes | 0 | No | 0 NA | 0 | 0 | NA | 0 | 0 |  | No | 0 |  |  | Borrower - SESCorp - CPA Letter Verified, 12 Personal Bank Statements Verified \|\| Co Borrower | Borrower \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen |  |  |  |  |  | xxx |  |  |  |  |  |  | US Citizen |  |  |  |  |  | United States |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No |  | N/A | xxx | 11.00 | xxx | 11 |  | 0 | N/A | xxx |  |  | xxx | 1 |
| 60606 |  |  | xxx | xxx | xxx |  |  |  |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | 4.499% |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx |  |  |  | $0.00 |  |  | 29.97% | 29.97% | 29.97% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No |  | 0 | 12 | No |  |  |  | 98.70% | 100.00% |  |  |  | 0 |  |  |  |  | NA | 0 | No | NA | 0 | 0 | NA |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - 12 Business Bank Statements Verified, Lease Agreements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | Non Permanent Resident Alien |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No |  | N/A | xxx | 7.00 | xxx | 7 |  | 60 | N/A | xxx |  |  | xxx | 1 |
| 63694 |  |  | xxx | xxx | xxx |  |  |  |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No |  | Qualifying DTI Exceeds 43% | xxx | xxx | xxx |  |  | No | xxx |  | 7.125% |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx |  |  |  | $0.00 |  |  | 0.46% | 45.88% | 45.88% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Full Doc | 2 | 0 | 2+ Months NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  |  | 0 |  |  |  |  | NA | 0 | No | NA | 0 | 0 | NA |  | 0 |  | No | 0 |  |  | Borrower - Wage - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No |  | N/A | xxx | 9.69 | xxx | 9.69 |  | 65 | N/A | xxx |  |  | xxx | 1 |
| 65057 |  |  | xxx | xxx | xxx |  |  |  |  |  | xxx | ATR/QM: Not Applicable | No | No | No |  | Appendix Q Documentation |  |  |  |  |  | No |  |  | 5.000% |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx |  |  |  | $0.00 |  |  |  | 0.00% | 0.00% | Yes | Yes | 1 |  | 1 |  | 1 |  | Employed | Employed |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No |  | 0 | 0 | No |  | 0 | 0 | 0.00% | 0.00% |  |  |  | 0 |  |  |  | 0 | NA | 0 | No | 0 NA | 0 | 0 | NA | 0 | 0 |  | No | 1.61 |  |  | Borrower - Other \|\| Co Borrower \|\| Co Borrower 2 | Borrower \|\| Co Borrower \|\| Co Borrower 2 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 |  | No |  | No | US Citizen |  |  |  |  |  | xxx |  |  |  |  |  |  | US Citizen |  |  |  |  |  | United States |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No |  | N/A | xxx | 7.31 | xxx | 7.31 |  | 60 | N/A | xxx |  |  | xxx | 6 |
| 67050 |  |  | 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 | xxx |  | 7.375% |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx |  |  |  | $0.00 |  |  | 0.46% | 45.40% | 45.40% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | Yes |  | 12 | 0 | No |  |  |  | 100.00% | 50.00% |  | Proceeds from Sale | N/A | 0 |  | N/A |  |  | Yes | 12 | No | NA | 0 | 0 | NA |  | 0 |  | No | 0 |  |  | Borrower - SEPartnership - CPA Letter Verified, Personal 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 |  | N/A | xxx | 43.78 | xxx | 43.78 |  | 46.65 | N/A | xxx | xxx | xxx | xxx | 1 |

---

## Exhibit 99.03

[MFA 2026-NQM2 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.03 - Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** |
| 52606 |  | D A | Closed | FCOM1263 | 2022-04-12 19:18 | 2022-04-13 18:45 | Resolved | 1 - Information D A | Compliance | Missing Doc - ROR | Right of Rescission is Partially Provided | Resolved-Updated and signed ROR has been provided showing both individuals on the loan as part of the ROR. - Due Diligence Vendor-04/13/2022 <br> Ready for Review-Document Uploaded. Please review the re-draw of the closing package which includes both borrowers signing the DOT, thank you. - Seller-04/12/2022 <br> Open-\*\*\*\*\*Lender to confirm whether the wife is considered a borrower or non-borrower. The file contains evidence of a joint application between spouses (page xxx). It appears only one spouse was provided with and signed the right of rescission (pages xxx). - Due Diligence Vendor-09/30/2021 | Ready for Review-Document Uploaded. Please review the re-draw of the closing package which includes both borrowers signing the DOT, thank you. - Seller-04/12/2022<br>| Resolved-Updated and signed ROR has been provided showing both individuals on the loan as part of the ROR. - Due Diligence Vendor-04/13/2022<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 74.01% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11 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 | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 52606 |  | D A | Closed | FCOM1221 | 2022-04-12 19:18 | 2022-04-13 18:44 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Deed of Trust is Incomplete | Resolved-Updated and signed DOT provided showing both individuals on the loan as part of the DOT. - Due Diligence Vendor-04/13/2022 <br> Ready for Review-Please review the re-draw of the closing package which includes both borrowers signing the DOT, thank you. - Seller-04/12/2022 <br> Open-\*\*\*\*The deed of trust found on page xxx of the file has both spouses listed as borrowers on the first page; yet, it appears only the husband signed the document. - Due Diligence Vendor-09/30/2021 | Ready for Review-Please review the re-draw of the closing package which includes both borrowers signing the DOT, thank you. - Seller-04/12/2022<br>| Resolved-Updated and signed DOT provided showing both individuals on the loan as part of the DOT. - Due Diligence Vendor-04/13/2022<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 74.01% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11 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 | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 52606 |  | D A | Closed | FCRE1204 | 2021-11-10 14:42 | 2021-11-10 15:32 | Resolved | 1 - Information A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Client provided sufficient explanation regarding the open items on the fraud report and none of the open items would apply in relation the applicable guidelines for the loan. - Due Diligence Vendor-11/10/2021 <br> Ready for Review-Please review statement from Credit mgmt, thank you: <br>xxx does not have a line item fraud report audit like xxx does, our guidelines do not require it. Most of the fraud warnings are income based but we are not using a full doc program but rather an alt doc program of 12 Months Bank Statements reserved only for self-employed. The final 1003 does show they are seasoned property owners and we have our own in-house appraisal staff that validates the appraisal value. It should also be noted that our appraisal was dated after the fraud report so its findings are based on its own AVM and not an actual appraisal. - Seller-11/10/2021 <br> Open-Initial and updated fraud reports provided- however, none of the alerts are indicated as being addressed and resolved. Please provide final fraud report with all items addressed. - Due Diligence Vendor-10/15/2021 | Ready for Review-Please review statement from Credit mgmt, thank you: <br>xxx does not have a line item fraud report audit like xxx does, our guidelines do not require it. Most of the fraud warnings are income based but we are not using a full doc program but rather an alt doc program of 12 Months Bank Statements reserved only for self-employed. The final 1003 does show they are seasoned property owners and we have our own in-house appraisal staff that validates the appraisal value. It should also be noted that our appraisal was dated after the fraud report so its findings are based on its own AVM and not an actual appraisal. - Seller-11/10/2021 | Resolved-Client provided sufficient explanation regarding the open items on the fraud report and none of the open items would apply in relation the applicable guidelines for the loan. - Due Diligence Vendor-11/10/2021<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 74.01% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11 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 | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 52606 |  | D A | Closed | FCRE1201 | 2021-10-15 13:47 | 2021-10-15 14:03 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report not Provided | Resolved-Initial and updated reports provided- item added separately for missing final run with alerts addressed. - Due Diligence Vendor-10/15/2021 <br>Ready for Review-Document Uploaded. Please review the third party fraud report - thank you - Seller-10/15/2021 <br>Open-Missing Third Party Fraud Report - Due Diligence Vendor-09/08/2021 | Ready for Review-Document Uploaded. Please review the third party fraud report - thank you - Seller-10/15/2021<br>| Resolved-Initial and updated reports provided- item added separately for missing final run with alerts addressed. - Due Diligence Vendor-10/15/2021<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 74.01% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11 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 | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 52606 |  | D A | Closed | FPRO1244 | 2021-09-30 14:08 | 2021-10-08 10:25 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Desk review provided with a value of $xxx or 0% variance. Finding resolved - Due Diligence Vendor-10/08/2021 <br> Ready for Review-xxx valuation process - to order product. - Seller-09/30/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-09/23/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-09/23/2021 | Ready for Review-xxx valuation process - to order product. - Seller-09/30/2021 | Resolved-Desk review provided with a value of $xxx or 0% variance. Finding resolved - Due Diligence Vendor-10/08/2021 | Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 17 Years<br>Original CLTV is Below the Guideline Maximum By Ten Percent (10%) or More - Original CLTV Of 74.01% Is Below the Guideline Maximum Of 90% By Ten Percent (10%) or More<br>Twenty-Four (24) Months Housing History Reviewed With No Late Payments - Twenty-Four (24) Months Housing History Reviewed With No Late Payments<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 11 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 | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 60606 |  | D A | Closed | FPRO1244 | 2021-12-14 11:26 | 2021-12-17 13:50 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-Received desk review showing value of $xxx and variance of 0.0%. - Due Diligence Vendor-12/17/2021 <br> Ready for Review-xxx valuation process - to order product - Seller-12/14/2021 <br> Open-AVM not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-12/10/2021 | Ready for Review-xxx valuation process - to order product - Seller-12/14/2021 | Resolved-Received desk review showing value of $xxx and variance of 0.0%. - Due Diligence Vendor-12/17/2021 |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 60606 |  | D A | Closed | FPRO7466 | 2021-12-14 11:26 | 2021-12-17 13:49 | Resolved | 1 - Information C A | Property | Third Party Valuation | AVM Value(s) Do Not Adhere To Tolerance Criteria | Resolved-AVM Value(s) Does Adhere To Tolerance Criteria (AVM Confidence Score is null and Post-Close Reviewed Appraised Property Value Variance is 0%) - Due Diligence Vendor-12/17/2021 <br> Ready for Review-xxx valuation process - to order product - Seller-12/14/2021 <br> Open-AVM Value(s) Do Not Adhere To Tolerance Criteria (AVM Confidence Score is 69 and Post-Close Reviewed Appraised Property Value Variance is -14.87%) REVIEW OF COMPS USED ON APPRAISAL - PAGE xxx - GREATER THAT THE 1 MILE RADIUS C1 GLA MATCHES SUBJECT WITH SUBJ. HAVING AN ADDITION BEDROOM - ITS THE FARTHEST AWA AT OVER 12 MILES. CROSS BOARD ADJ FOR COMP 2 & 3 DUE TO GLA AND BATHROOM WITH SALES WITHIN PAST 6 TO 9 MONTHS. C2 ONLY 3.8 MILES AND ADJT FOR GLA AND BATHROOM. BRACKETED VALUE APPERS REASONABLE THAN THE AVM VALUE. - Due Diligence Vendor-12/10/2021 | Ready for Review-xxx valuation process - to order product - Seller-12/14/2021 | Resolved-AVM Value(s) Does Adhere To Tolerance Criteria (AVM Confidence Score is null and Post-Close Reviewed Appraised Property Value Variance is 0%) - Due Diligence Vendor-12/17/2021<br>|  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 63694 |  | 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 |  |  |  |
| 65057 |  | D A | Closed | FPRO868 | 2022-05-09 11:18 | 2022-07-18 12:35 | Resolved | 1 - Information A | Property | Third Party Valuation | Desk Review Value(s) Do Not Adhere To Tolerance Criteria | Resolved-Desk Review Value(s) Does Adhere To Tolerance Criteria (Desk Review Value is $xxx and Appraised Value is $xxx For a Variance of -22.86%) - Due Diligence Vendor-07/18/2022 <br> Resolved-Commercial Desk Review provided with analysis commentary which supports a value of $xxx, an 8.57% variance to original appraisal of $xxx. LTV remains in line at 65.625% vs. maximum of 70%. - Due Diligence Vendor-05/09/2022 <br> Ready for Review-Document Uploaded. Please review the CDA w/ a value of $xxx per the review appraiser...OA value $xxx. Thank you. - Seller-05/09/2022 <br> Open-BPO provided with a value of $xxx or -22.86% variance does not adhere to 10% allowable variance. - Due Diligence Vendor-05/05/2022 | Ready for Review-Document Uploaded. Please review the CDA w/ a value of $xxx per the review appraiser...xxx value $xxx. Thank you. - Seller-05/09/2022 | Resolved-Desk Review Value(s) Does Adhere To Tolerance Criteria (Desk Review Value is $xxx and Appraised Value is $xxx For a Variance of -22.86%) - Due Diligence Vendor-07/18/2022 <br> Resolved-Commercial Desk Review provided with analysis commentary which supports a value of $xxx, an 8.57% variance to original appraisal of $xxx. LTV remains in line at 65.625% vs. maximum of 70%. - Due Diligence Vendor-05/09/2022 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 7 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% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 65057 |  | D A | Closed | FPRO1244 | 2022-04-18 11:40 | 2022-05-05 12:18 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-BPO provided with a value of $xxx or -22.86% variance. Additional finding applies. - Due Diligence Vendor-05/05/2022 <br> Ready for Review-xxx valuation process - to order product. - Seller-04/18/2022 <br> Open-CDA not provided and CDA needed. Order placed for third party product. - Due Diligence Vendor-04/15/2022 | Ready for Review-xxx valuation process - to order product. - Seller-04/18/2022 | Resolved-BPO provided with a value of $xxx or -22.86% variance. Additional finding applies. - Due Diligence Vendor-05/05/2022 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 7 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% Is Below the Guideline Maximum Of 75% By Ten Percent (10%) or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 67050 |  | A | Closed | FPRO1244 | 2022-07-26 18:01 | 2022-08-01 11:11 | Resolved | 1 - Information A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-desk review provided with value $xxx or 0 % variance .finding resolved - Due Diligence Vendor-08/01/2022 <br> Ready for Review-xxx valuation process - to order product. - Seller-07/26/2022 <br> Open-CDA not provided but required. Order placed for third party product. - Due Diligence Vendor-07/26/2022 | Ready for Review-xxx valuation process - to order product. - Seller-07/26/2022 | Resolved-desk review provided with value $xxx or 0 % variance .finding resolved - Due Diligence Vendor-08/01/2022 | 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 46.65% Is Below the Guideline Maximum Of 85% 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 - 10 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10 Years |  |  | 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 |

---

## Exhibit 99.03

[MFA 2026-NQM2 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.03 - Schedule 3**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 52606 |  |  | xxx D A |
| 60606 |  |  | xxx A D |
| 63694 |  |  | xxx A |
| 65057 |  |  | xxx A D |
| 67050 |  |  | xxx A |

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## Exhibit 99.03

[MFA 2026-NQM2 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.03 - Schedule 4**

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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Primary Appraisal Company** | **Primary Appraiser Name** | **Primary Appraiser License Number** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 52606 |  |  | xxx | xxx |  |  | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 74.01 | 74.01 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | 0.0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 60606 |  |  | xxx | xxx |  |  | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 60 | 60 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 63694 |  |  | xxx | xxx |  |  | xxx |  | 1004 URAR |  |  |  | xxx | 65 | 65 | xxx | xxx | -.0986 | AVM |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0986 | 92.0 | 0.08 |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 65057 |  |  | xxx | xxx |  | xxx | xxx | xxx | 71A |  |  |  | xxx | 60 | 60 | xxx | xxx | -.0857 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0857 | xxx | Satisfactory, with Adjustment to Value | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 67050 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR |  | xxx | xxx | xxx | 46.65 | 46.65 | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | xxx | xxx | -.0029 | xxx | 1004 URAR |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.03

[MFA 2026-NQM2 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.03 - Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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 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?** |
| 52606 |  |  | 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 | false | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed | Not Employed | No | No | No |  |
| 60606 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Not Tested | No | Yes | No | No |  | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No |  |
| 63694 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Not Tested | Yes | Yes | No | No |  | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No |  |
| 65057 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No | Appendix Q Documentation |  | No | No | No | No |  | Yes | No | No | No |  |  | xxx | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | Employed | Employed | No | No | Yes | Present |
| 67050 |  |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Qualifying DTI Exceeds 43% | Pass | Yes | Yes | No | No |  | No | No | No | No | No | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | N/A | Employed |  | No |  | No |  |

---

## Exhibit 99.03

[MFA 2026-NQM2 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.03 - Schedule 6**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** |
| 63694 |  |  | Annual Percent Rate (APR) | xxx | xxx |
| 67050 |  |  | Annual Percent Rate (APR) | xxx | xxx |
| 60606 |  |  | Escrow Flag | Partial | Yes |
| 63694 |  |  | Interest Rate | 7.125 | 0.0712 |
| 67050 |  |  | Interest Rate | 7.375 | 0.0738 |

---

## Exhibit 99.04

[MFA 2026-NQM2 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.04**

![](ex9904001.jpg)

**EXECUTIVE SUMMARY**

**MFA 2026-NQM2**

**By Clarifii LLC on May 18, 2026** 

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

![](ex9904001.jpg)

 **CLARIFII CONTACT INFORMATION** 

---

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

---

**OVERVIEW**

Clarifii LLC ("Clarifii") conducted an independent third-party pre-securitization due diligence review (the "Review") of 2 loans (the "Loans") and these loans were subsequently acquired by MFA Financial, Inc. (the "Client") for the MFA 2026-NQM2 transaction. The loans referenced in this narrative report were reviewed 01/2026 through 02/2026 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;Wholesale | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$1262700.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1262700.00** |

---

The Review consisted of a population of 2 loans, with an aggregate principal balance of $1,262,700.00.

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

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

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

**LOAN SAMPLING**

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

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;Fitch Ratings, Inc. | &nbsp;&nbsp;U.S. RMBS Rating Criteria, October 1, 2025 |

---

**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.

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

![](ex9904001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;**Data Comparison Fields** |
| &nbsp;&nbsp;Borrower 1 Citizen |
| &nbsp;&nbsp;Calculated DSCR |
| &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;Interest Rate |
| &nbsp;&nbsp;Investor Loan ID |
| &nbsp;&nbsp;Loan Amount |
| &nbsp;&nbsp;Loan ID |
| &nbsp;&nbsp;Loan Program |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Primary Appraised Property Value |
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property County |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;Qualifying CLTV |
| &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Term |

---

**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)

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

![](ex9904001.jpg)

– 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

● **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

MFA 2026-NQM2 Due Diligence Narrative Report – PagE \| 4

![](ex9904001.jpg)

● **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

● **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

MFA 2026-NQM2 Due Diligence Narrative Report – PagE \| 5

![](ex9904001.jpg)

● **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** 

**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)

MFA 2026-NQM2 Due Diligence Narrative Report – PagE \| 6

![](ex9904001.jpg)

● **Compliance Documentation Requirements** 

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

– Initial and final application (1003)

– Note, including all addendums

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

– Mortgage / Deed of Trust, including all riders

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

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

– Notice of Right to Cancel (when applicable)

– Rate Lock Date

– HOEPA Disclosures (when applicable)

– Initial Escrow Account Disclosure

● **Anti-Predatory Lending (Assignee Liability)** 

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

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

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

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

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

**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).

MFA 2026-NQM2 Due Diligence Narrative Report – PagE \| 7

![](ex9904001.jpg)

**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.

● **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).

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

– 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).

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– 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.

● **Business Purpose Loan Compliance Review** 

– Non-Owner Occupied Declaration Disclosure

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

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

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

– Review Note accuracy and properly executed

– Review Mortgage and applicable riders for accuracy and properly executed

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

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

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

– Right to Receive Copy of Appraisal or Appraisal Waiver Disclosure

– Letter of Explanation detailing the use of proceeds.

– Borrower's statement of purpose for the loan.

– State License requirements when applicable

– State Predatory lending and high cost when applicable

**QUALIFIED MORTGAGE (QM)**

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

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

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

**ABILITY TO REPAY (ATR)**

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

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

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

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

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**VALUATION REVIEW**

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

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

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

**INDEPENDENT THIRD-PARTY VALUES**

Clarifii applied a cascade methodology to the population 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 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 two tables below summarize the loans that contained independent third-party valuation product as well as loans with acceptable UCDP Risk Scores:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Valuation Product** | &nbsp;&nbsp;**# of Files – No Hit** | &nbsp;&nbsp;**# of Files > -10% 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;0 |
| &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;2 |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &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;0 |

---

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**DUE DILIGENCE GRADING CRITERIA** 

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

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

**Final Event Grade**

---

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

---

**Credit Event Grade**

---

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

---

**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. |

---

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**C** The value is not supported within 10% of the original appraisal. The valuation methodology did not meet the published guidelines and there were not sufficient compensating factors for exceeding published guidelines. The property is in below "average" condition, or the property is not complete or requires significant repairs. The appraisal was not performed on an "as is" basis. The appraiser was not appropriately licensed or did not use GSE approved forms.

**D** The file was missing the appraisal or there was not sufficient valuation documentation to perform a review.

**Compliance Event Grade** 

---

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

---

**CLARIFII DUE DILIGENCE RESULTS**

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

**Final Overall Loan Grade Results**

---

| | | |
|:---|:---|:---|
| **Overall Review Results** | **Overall Review Results** | **Overall Review Results** |
| **Overall** | **Loan Count** | **% of Sample** |
| A | 2 | 100.0% |
| B | 0 | 0.0% |
| C | 0 | 0.0% |
| D | 0 | 0.0% |
| **Total** | **2** | **100.0%** |

---

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.

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**Final Credit Component Grade Results**

---

| | | |
|:---|:---|:---|
| **Final Credit Grade Summary** | **Final Credit Grade Summary** | **Final Credit Grade Summary** |
| **Credit** | **Loan Count** | **% of Sample** |
| A | 2 | 100.0% |
| B | 0 | 0.0% |
| C | 0 | 0.0% |
| D | 0 | 0.0% |
| **Total** | **2** | **100.0%** |

---

**Final Property Valuation Grade Results**

---

| | | |
|:---|:---|:---|
| **Final Property Grade Summary** | **Final Property Grade Summary** | **Final Property Grade Summary** |
| **Property** | **Loan Count** | **% of Sample** |
| A | 2 | 100.00% |
| B | 0 | 0.00% |
| C | 0 | 0.00% |
| D | 0 | 0.00% |
| **Total** | **2** | **100.00%** |

---

**Final Regulatory Compliance Grade Results**

---

| | | |
|:---|:---|:---|
| **Final Compliance Grade Summary** | **Final Compliance Grade Summary** | **Final Compliance Grade Summary** |
| **Compliance** | **Loan Count** | **% of Sample** |
| A | 2 | 100.0% |
| B | 0 | 0.0% |
| C | 0 | 0.0% |
| D | 0 | 0.0% |
| **Total** | **2** | **100.0%** |

---

**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;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$1262700.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1262700.00** |

---

**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$1262700.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1262700.00** |

---

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**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$1262700.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1262700.00** |

---

**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$1262700.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1262700.00** |

---

**Original Term**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$1262700.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$1262700.00** |

---

**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 Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**Accuracy %** |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Investor Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Program | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |

---

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**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 or QM Report

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

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

**Disclaimer**

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

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

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

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

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

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

## Exhibit 99.04

[MFA 2026-NQM2 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.04 - Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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 | 88401 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1073 Individual Condo Report | XXXX | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 88417 | XXXX | XXXX | XXXX | XXXX | 0 | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 90.0 | 90.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |

---

## Exhibit 99.04

[MFA 2026-NQM2 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.04 - Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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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 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 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 |
| **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** | **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** | **Co Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Co Borrower Award/Offer Letter** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **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 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 | 88401 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 1 | XXXX | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | APOR Threshold | 10857.45 | 01/19/2026 | 6.060% | Manual Underwriting | Manual Underwriting | No | 8.418% |  | 8.125% | 8.125% | XXXX | No |  | XXXX | XXXX | $X.XX | $0.00 | $4500.00 | $XXX.XX | $X.XX | $5588.79 | $11890.17 | Yes | XXXX | XX | $XXX.XX |  | Monthly | 0.00% | 34.06% | 34.06% | 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 | 60 | 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","2023"] - 2025, 2024, 2023 | Borrower - 2 YRS Executed 4506T Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | XXXX | XXXX | XX | XXXX | XXXX | 12/15/2025 | 12/15/2025 |  |  |  | 723 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | XXXX | 35.5 | XXXX | 35.5 | No | 90 | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 88417 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 07/15/2025 | 1 | XXXX | QM: Higher Priced APOR (APOR HP) | Yes | No | No | N/A | N/A | 8147 | 01/26/2026 | 6.140% | Manual Underwriting | Manual Underwriting | No | 8.356% |  | 8.125% | 8.125% | XXXX | No |  | XXXX | XXXX | $XX.XX | $34.33 | $0.00 | $X.XX | $X.XX | $5657.50 | $18402.14 | N/A |  |  | $X.XX |  |  | 0.00% | 35.63% | 35.63% | 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 | 48 | No | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2025","2026"] - 2025, 2026 | Borrower - ["2025","2026"] - 2025, 2026 | XXXX | XXXX | XX | XXXX | XXXX | 01/08/2026 | 01/08/2026 |  |  |  | 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 | 13.3 | XXXX | 13.3 | No | 90 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |

---

## Exhibit 99.04

[MFA 2026-NQM2 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.04 - Schedule 3**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Original Loan Amount** |
| XXXX | 88401 | XXXX | XXXX C A |
| XXXX | 88417 | XXXX | XXXX A C |

---

## Exhibit 99.04

[MFA 2026-NQM2 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.04 - Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| XXXX | 88401 | XXXX C A | Closed | FCRE1437 | 2026-01-30 13:10 | 2026-02-11 17:01 | Resolved | 1 - Information C A | Credit | Income/Employment | Income and Employment Do Not Meet Guidelines | Resolved-Received Missing Statement. - Due Diligence Vendor-02/11/2026 <br> Ready for Review-Document Uploaded. Good Morning Team - I believe you must be looking for the bank statement for the period of XXXX - XXXX - I just uploaded it. You now have everything from XXXX forward. Please clear the finding. Thank you. Best, XXXX - Seller-02/10/2026 <br> Counter-Received duplicate statement. Missing XXXX - XXXX. One month prior. - Due Diligence Vendor-02/09/2026 <br> Ready for Review-Document Uploaded. Hello Team, attached is the XXXX - XXXX bank statement. Please note there are a full 12 months of bank statements that was provided. Please clear the finding. Thank you. Best, XXXX - Seller-02/06/2026 <br> Counter-24 months bank statement and review is missing XXXX statement. Please provide. - Due Diligence Vendor-02/05/2026 <br> Ready for Review-Hello Team - the last statement in the file, dated XXXX is correct as it is 30 days withing the application date of XXXX. Please adjust / remove. Thank you. Best, XXXX - Seller-02/04/2026 <br> Open-Income and Employment Do Not Meet Guidelines lender to provided XXXX bank statement dated XXXX - XXXX as it was not provided. - Due Diligence Vendor-01/30/2026 | Ready for Review-Document Uploaded. Good Morning Team - I believe you must be looking for the bank statement for the period of XXXX - XXXX - I just uploaded it. You now have everything from XXXX forward. Please clear the finding. Thank you. Best, XXXX - Seller-02/10/2026 <br> Ready for Review-Document Uploaded. Hello Team, attached is the XXXX - XXXX bank statement. Please note there are a full 12 months of bank statements that was provided. Please clear the finding. Thank you. Best, XXXX - Seller-02/06/2026 <br> Ready for Review-Hello Team - the last statement in the file, dated XXXX is correct as it is 30 days withing the application date of XXXX. Please adjust / remove. Thank you. Best, XXXX - Seller-02/04/2026 | Resolved-Received Missing Statement. - Due Diligence Vendor-02/11/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 723<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.35 |  | 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 | 7379374 |
| XXXX | 88401 | XXXX C A | Closed | FCRE0197 | 2026-01-30 12:55 | 2026-02-09 17:57 | Resolved | 1 - Information C A | Credit | Eligibility | The Final SELLER CD/HUD is missing | Resolved-Received seller executed final cd. - Due Diligence Vendor-02/09/2026 <br> Ready for Review-Document Uploaded. Please elaborate ono what you mean by "Missing confirmation final" - I just uploaded the seller signed Final CD - is this what you are requesting? Please advise. Thank you. Best, XXXX - Seller-02/06/2026 <br> Counter-Received sellers CD. Missing confirmation final. - Due Diligence Vendor-02/05/2026 <br> Ready for Review-Document Uploaded. Good Afternoon Team - Seller Final CD uploaded for Finding #XXXX. Thank you. Best, XXXX - Seller-02/04/2026 <br> Open-The Final SELLER CD/HUD is missing. not provided - Due Diligence Vendor-01/30/2026 | Ready for Review-Document Uploaded. Please elaborate ono what you mean by "Missing confirmation final" - I just uploaded the seller signed Final CD - is this what you are requesting? Please advise. Thank you. Best, XXXX - Seller-02/06/2026 <br> Ready for Review-Document Uploaded. Good Afternoon Team - Seller Final CD uploaded for Finding #XXXX. Thank you. Best, - Seller-02/04/2026 | Resolved-Received seller executed final cd. - Due Diligence Vendor-02/09/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 723<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.35 |  | 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 | 7379035 |
| XXXX | 88417 | XXXX C A | Closed | finding-4033 | 2026-02-11 13:47 | 2026-02-20 07:12 | Resolved | 1 - Information C A | Compliance | ComplianceEase | Qualified Mortgage Safe Harbor Threshold | Resolved------Upon further review, finding resolved. - Due Diligence Vendor-02/20/2026 <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 XXXX%. The APR threshold to qualify for a safe harbor is XXXX%.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, finding resolved. - Due Diligence Vendor-02/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 729<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.63 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase NA | N/A | N/A | 7564864 |
| XXXX | 88417 | XXXX C A | Closed | finding-2962 | 2026-02-11 13:47 | 2026-02-20 07:10 | Resolved | 1 - Information C A | Compliance | Points & Fees | CA AB 260 Higher-Priced Mortgage Loan Test | Resolved------Upon further review, finding resolved. - Due Diligence Vendor-02/20/2026 <br> Ready for Review-Document Uploaded. Loan closed with property tax and insurance impounds. Please delete / remove finding. Thank you. Best, XXXX - Seller-02/19/2026 <br> Open-This loan failed the XXXX higher-priced mortgage loan test. (XX AB 260, XXXX Financial Code Division 1.9 4995(a))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the XXXX Financial Code.While the XXXX Financial Code provisions specify that lenders may lawfully make this type of loan subject to certain disclosure requirements and additional limitations, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. - Due Diligence Vendor-02/11/2026 | Ready for Review-Document Uploaded. Loan closed with property tax and insurance impounds. Please delete / remove finding. Thank you. Best, XXXX - Seller-02/19/2026 | Resolved------Upon further review, finding resolved. - Due Diligence Vendor-02/20/2026<br>| Qualifying FICO score is at least 20 points above minimum for program - Required is 700 Borrower has 729<br>Qualifying DTI below maximum allowed - Required is 50 Borrower has 35.63 |  | XXXX | QM: Higher Priced APOR (APOR HP) | QM: Higher Priced APOR (APOR HP) | XXXX | XX | Primary Residence | Purchase NA | N/A | N/A | 7564862 |

---

## Exhibit 99.04

[MFA 2026-NQM2 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.04 - Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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 | 88401 | 10006310 | 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 | 10857.45 | 8.418 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 11890.17 | N/A | Employed |  | No |  | No |  |
| XXXX | 88417 | 11000378 | 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 | 8147 | 8.356 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 18402.14 | Yes | Employed |  | No |  | No |  |

---

## Exhibit 99.05

[MFA 2026-NQM2 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.05**

![](ex995001.jpg)

---

| |
|:---|
| **May 18, 2026** |
| **Due Diligence Narrative Report** |

---

![](ex995002.jpg)

**Table of Contents**

---

| | |
|:---|:---|
| **Clayton Contact Information** | **2** |
| **Overview** | **2** |
| **Originators** | **2** |
| **Clayton's Third Party Review ("TPR") Scope of Work** | **3** |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Review scope | 3 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;# of Files Reviewed | 3 |
| &nbsp;&nbsp;&nbsp;*Loan Grading* | *3* |
| &nbsp;&nbsp;&nbsp;*TPR Component Review Scope* | *4* |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Credit Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Property Valuation Review | 4 |
| &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Regulatory Compliance Review | 5 |
| &nbsp;&nbsp;&nbsp;*Data Integrity* | *6* |
| &nbsp;&nbsp;&nbsp;*Data Capture* | *7* |
| **Data Compare Results** | **7** |
| **Clayton Due Diligence Results** | **8** |
| **Clayton Third Party Reports Delivered** | **9** |
| **Appendix A: Credit Review Scope** | **10** |
| **Appendix B: Origination Appraisal Assessment** | **13** |
| **Appendix C: Regulatory Compliance Review Scope** | **16** |

---

 ****

MFA 2026-NQM2 Due Diligence Narrative Report Page \| 1 May 18, 2026

![](ex995002.jpg)

**Clayton Contact Information** 

Client Service Management:

---

| | | |
|:---|:---|:---|
| ![](ex995003.jpg) | **Michael Santarsiere** | Client Service Director |
|  |  | Phone: (813) 371-0280/E-mail: <u>msantarsiere@clayton.com</u> |

---

---

| | | |
|:---|:---|:---|
| ![](ex995003.jpg) | **Joe Ozment** | Vice President – Client Services & Securitization |
|  |  | Phone: (813) 261-0733/E-mail: <u>jozment@clayton.com</u> |

---

**Overview**

On behalf of Ameris Bancorp, Clayton Services LLC ("Clayton") conducted an independent third-party pre-securitization due diligence review of 72 residential loans.

On behalf of Citadel Investment Group, Clayton conducted an independent third-party pre-securitization due diligence review of 100 residential loans.

MFA subsequently purchased these loans via reliance letter and selected them for the MFA 2026-NQM2 transaction.

On behalf of MFA Financial Inc, Clayton Services LLC ("Clayton") conducted an independent third-party pre-securitization due diligence review of 2 residential loans.

The loans referenced in this narrative report were reviewed on a bulk and flow loan basis from December 2019 to March 2026. This narrative report provides information about the scope of work performed by Clayton, and the results of Clayton's review.

**Originators**

Origination channels for the loans in this review:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Broker | &nbsp;&nbsp;102 | &nbsp;&nbsp;58.6207% |
| &nbsp;&nbsp;Correspondent Bulk | &nbsp;&nbsp;32 | &nbsp;&nbsp;18.3908% |
| &nbsp;&nbsp;Correspondent Flow without delegated underwriting | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.5747% |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;39 | &nbsp;&nbsp;22.4138% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**174** | &nbsp;&nbsp;**100.00%** |

---

MFA 2026-NQM2 Due Diligence Narrative Report Page \| 2 May 18, 2026

![](ex995002.jpg)

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

The scope of work for this transaction consisted of a credit review, property valuation review, regulatory compliance review, and data integrity check.

---

| | |
|:---|:---|
| &nbsp;&nbsp;Review scope | &nbsp;&nbsp;# of Files Reviewed |
| &nbsp;&nbsp;Credit Review | &nbsp;&nbsp;174 |
| &nbsp;&nbsp;Property Valuation Review | &nbsp;&nbsp;174 |
| &nbsp;&nbsp;Regulatory Compliance Review | &nbsp;&nbsp;142 |
| &nbsp;&nbsp;Data Integrity Check | &nbsp;&nbsp;174 |

---

Loan Grading

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

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

![](ex995004.jpg)

MFA 2026-NQM2 Due Diligence Narrative Report Page \| 3 May 18, 2026

![](ex995002.jpg)

TPR Component Review Scope

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

Credit Review

Clayton's Credit scope of review conducted on 174 loans on this transaction included the following elements (for more detail, please refer to <u>Appendix A</u>):

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

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

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

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

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

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

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

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

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

Property Valuation Review

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Original
 Appraisal Assessment (174 loans)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Value
 Supported Analysis (174 loans)

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

● CU Score

● AVM

● Desk Review

● Field Review

● BPO

● 1004

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

MFA 2026-NQM2 Due Diligence Narrative Report Page \| 4 May 18, 2026

![](ex995002.jpg)

Regulatory Compliance Review

Clayton's regulatory compliance scope of review conducted on this transaction included the elements summarized below. (For more detail, please refer to <u>Appendix C</u>.)

Clayton utilized its proprietary eCLAS engine for regulatory compliance testing.

The scope of the compliance review performed is summarized below:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Tested
 for state-specific consumer protection laws including late charge and prepayment penalty
 provisions;

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

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

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

– TIL APR and Finance charge tolerances;

– Timeliness of ARM Disclosures (if applicable);

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

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

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

– Prepayment Penalty restrictions; and

QM/ATR Review: On applicable loans;, test compliance with applicable Qualified Mortgage (QM) and Ability to Repay (ATR) requirements defined under the Dodd-Frank Wall Street Reform and Consumer Protection Act as promulgated by the Consumer Financial Protection Bureau any loan subject to that regulation, as further described on <u>Appendix C</u> attached hereto.

TILA/RESPA Integrated Disclosure Scope ('Covered Loans' with an Application Date => 10/3/2015); SFIG RMBS 3.0 TRID Compliance Review Scope as further described on <u>Appendix C</u> attached hereto.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Real
 Estate Settlement Procedures Act (RESPA) laws and regulations testing included the following,
 for loans other than 'Covered Loans' and loans with an Application Date prior
 to 10/3/2015:

– GFE initial disclosure timing and content;

– Confirmed the file contains the final HUD1 Settlement Statement;

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

– Homeownership Counseling Notice;

– Affiliated Business Disclosure if applicable.

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

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

MFA 2026-NQM2 Due Diligence Narrative Report Page \| 5 May 18, 2026

![](ex995002.jpg)

Following the June 15<sup>th</sup> formal publication of the RMBS 3.0 TRID Compliance Review Scope©, Clayton reviewed prior testing results dating back to the TRID Effective Date, and applied the enhanced RMBS 3.0 TRID Compliance Review Scope to such loans upon the affirmative election by MFA.

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

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

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

<u>State and Federal High Cost and Higher-Priced:</u>

● Cook County High Cost Ordinance

● Chicago High Cost Ordinance

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

<u>Anti-predatory lending laws</u>

● Minnesota §58 on or after 8/1/2008

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

Prepayment Penalties and Late Charges in certain states

Taxpayer First Act: Consent to share IRS-provided tax information sent by the IRS on or after 12/28/2019.

Data Integrity

Clayton utilized its proprietary eCLAS tool to determine tape-to-file accuracy of 174 reviewed loans, by completing the following steps:

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Each
 discrepancy is reported in a Loan Level Tape Compare Upload.

MFA 2026-NQM2 Due Diligence Narrative Report Page \| 6 May 18, 2026

![](ex995002.jpg)

Data Capture

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

**data Compare Results** 

Clayton provided MFA Financial Inc. with a copy of the Loan Level Tape Compare Upload which shows the differences between the data received from the sellers versus the data captured by Clayton during the loan review in relation to the 174 loans reviewed.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Field Name** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% Accuracy** |
| &nbsp;&nbsp;Combined Loan to Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.43% |
| &nbsp;&nbsp;DTI (Back) | &nbsp;&nbsp;5 | &nbsp;&nbsp;97.13% |
| &nbsp;&nbsp;Income (Calculated) | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.43% |
| &nbsp;&nbsp;Loan Doc Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.43% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;3 | &nbsp;&nbsp;98.28% |
| &nbsp;&nbsp;Loan to Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.43% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;4 | &nbsp;&nbsp;97.70% |
| &nbsp;&nbsp;Product Type | &nbsp;&nbsp;43 | &nbsp;&nbsp;75.29% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;12 | &nbsp;&nbsp;93.10% |
| &nbsp;&nbsp;Representative Score | &nbsp;&nbsp;1 | &nbsp;&nbsp;99.43% |

---

MFA 2026-NQM2 Due Diligence Narrative Report Page \| 7 May 18, 2026

![](ex995002.jpg)

**Clayton Due Diligence Results**

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

**<u>Initial and Final Overall Loan Grade Results</u>**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | &nbsp;&nbsp;**Overall Grade Migration** | &nbsp;&nbsp;**Overall Grade Migration** | &nbsp;&nbsp;**Overall Grade Migration** | &nbsp;&nbsp;**Overall Grade Migration** | &nbsp;&nbsp;**Overall Grade Migration** | &nbsp;&nbsp;**Overall Grade Migration** |
|  | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** |
| &nbsp;&nbsp;**Final** |  | &nbsp;&nbsp;**A** | &nbsp;&nbsp;**B** | &nbsp;&nbsp;**C** | &nbsp;&nbsp;**D** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;101 | &nbsp;&nbsp;1 | &nbsp;&nbsp;15 | &nbsp;&nbsp;26 | &nbsp;&nbsp;**143** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**B** |  | &nbsp;&nbsp;14 | &nbsp;&nbsp;12 | &nbsp;&nbsp;3 | &nbsp;&nbsp;**29** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**C** |  |  | &nbsp;&nbsp;2 |  | &nbsp;&nbsp;**2** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**D** |  |  |  |  | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**101** | &nbsp;&nbsp;**15** | &nbsp;&nbsp;**29** | &nbsp;&nbsp;**29** | &nbsp;&nbsp;**174** |

---

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.

**<u>Initial and Final Credit Component Grade Results</u>**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | &nbsp;&nbsp;**Credit Grade Migration** | &nbsp;&nbsp;**Credit Grade Migration** | &nbsp;&nbsp;**Credit Grade Migration** | &nbsp;&nbsp;**Credit Grade Migration** | &nbsp;&nbsp;**Credit Grade Migration** | &nbsp;&nbsp;**Credit Grade Migration** |
|  | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** |
| &nbsp;&nbsp;**Final** |  | &nbsp;&nbsp;**A** | &nbsp;&nbsp;**B** | &nbsp;&nbsp;**C** | &nbsp;&nbsp;**D** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;129 |  | &nbsp;&nbsp;11 | &nbsp;&nbsp;17 | &nbsp;&nbsp;**157** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**B** |  | &nbsp;&nbsp;10 | &nbsp;&nbsp;5 |  | &nbsp;&nbsp;**15** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**C** |  |  | &nbsp;&nbsp;2 |  | &nbsp;&nbsp;**2** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**D** |  |  |  |  | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**129** | &nbsp;&nbsp;**10** | &nbsp;&nbsp;**18** | &nbsp;&nbsp;**17** | &nbsp;&nbsp;**174** |

---

**<u>Initial and Final Property Valuation Grade Results</u>**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | &nbsp;&nbsp;**Property Valuation Grade Migration** | &nbsp;&nbsp;**Property Valuation Grade Migration** | &nbsp;&nbsp;**Property Valuation Grade Migration** | &nbsp;&nbsp;**Property Valuation Grade Migration** | &nbsp;&nbsp;**Property Valuation Grade Migration** | &nbsp;&nbsp;**Property Valuation Grade Migration** |
|  | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** |
| &nbsp;&nbsp;**Final** |  | &nbsp;&nbsp;**A** | &nbsp;&nbsp;**B** | &nbsp;&nbsp;**C** | &nbsp;&nbsp;**D** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;156 |  | &nbsp;&nbsp;3 | &nbsp;&nbsp;10 | &nbsp;&nbsp;**169** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**B** |  | &nbsp;&nbsp;5 |  |  | &nbsp;&nbsp;**5** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**C** |  |  |  |  | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**D** |  |  |  |  | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**156** | &nbsp;&nbsp;**5** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**10** | &nbsp;&nbsp;**174** |

---

MFA 2026-NQM2 Due Diligence Narrative Report Page \| 8 May 18, 2026

![](ex995002.jpg)

**<u>Initial and Final Regulatory Compliance Grade Results</u>**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | &nbsp;&nbsp;**Compliance Grade Migration** | &nbsp;&nbsp;**Compliance Grade Migration** | &nbsp;&nbsp;**Compliance Grade Migration** | &nbsp;&nbsp;**Compliance Grade Migration** | &nbsp;&nbsp;**Compliance Grade Migration** | &nbsp;&nbsp;**Compliance Grade Migration** |
|  | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** | &nbsp;&nbsp;**Initial** |
| &nbsp;&nbsp;**Final** |  | &nbsp;&nbsp;**A** | &nbsp;&nbsp;**B** | &nbsp;&nbsp;**C** | &nbsp;&nbsp;**D** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**A** | &nbsp;&nbsp;122 | &nbsp;&nbsp;1 | &nbsp;&nbsp;5 | &nbsp;&nbsp;3 | &nbsp;&nbsp;**131** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**B** |  | &nbsp;&nbsp;2 | &nbsp;&nbsp;7 | &nbsp;&nbsp;2 | &nbsp;&nbsp;**11** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**C** |  |  |  |  | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**D** |  |  |  |  | &nbsp;&nbsp;**0** |
| &nbsp;&nbsp;**Final** | &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**122** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**12** | &nbsp;&nbsp;**5** | &nbsp;&nbsp;**142** |

---

\*Compliance results may not tie to total loan count based on business entity loans not being subject to a regulatory compliance review (32 loans in pool)

**Clayton Third Party Reports Delivered** 

Clayton furnished the following reports on this transaction:

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

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

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

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

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

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

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

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

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

MFA 2026-NQM2 Due Diligence Narrative Report Page \| 9 May 18, 2026

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**Appendix A: Credit Review Scope** 

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

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

○ DTI

○ LTV/TLTV/HLTV

○ Credit score

○ Income and employment

○ Assets and reserves

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

○ Borrower eligibility, including:

– Citizenship status

– Non- occupant co-borrower

○ Transaction eligibility, including:

Maximum loan amount

– Loan purpose

– Occupancy

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

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

○ Uniform Residential Loan Application reviewed to determine:

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

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

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

○ Employment analyzed and verified through use of various documents, including:

– Income documentation

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

– CPA letter

– Business licenses

– Tax transcripts (IRS Form 4506-T)

– Other documentation in loan file

○ Income review included:

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

– Documents did not appear to have been altered or inconsistent

– IRS Form 4506-T

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

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

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

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

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

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

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

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

MFA 2026-NQM2 Due Diligence Narrative Report Page \| 10 May 18, 2026

![](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;▪ IRS
 documents

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

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

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

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

○ Asset review included:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Verification
 of deposits (VOD)

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

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

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

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

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

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

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

○ Credit Report review included:

– Complete copy of report was in loan file

– Report was dated within required timeframe

– All borrowers were included in the report

– Checked any fraud alerts against related loan file documentation

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

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

– Captured and utilized appropriate credit score for guideline review

○ Title policy review included:

– Title interest – determined if

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

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

– Appropriate vestee(s) were listed on title policy

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

– Applicable title endorsements were present

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

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

– Captured monthly tax payments in debt ratio calculation

○ HUD1 (Settlement Statement) review included:

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

– Seller contributions did not exceed maximum allowed

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

– Disbursements and pay-offs included in debt ratio calculations

– Loan purpose confirmed

○ Hazard/Flood insurance review included:

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

– Confirmed that any required insurance was for the:

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

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

MFA 2026-NQM2 Due Diligence Narrative Report Page \| 11 May 18, 2026

![](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;▪ Correct
 lender

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

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

Confirmed that any required insurance minimum coverage amount and policy period

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

– Confirmed that the mortgagee clause listed the lender's name and "it's successors and assigns"

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

○ Mortgage Insurance review included:

– Determined if mortgage insurance is required

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

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

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

○ Borrower identity

– Social Security inconsistencies

– Borrower name variations

○ Occupancy

– Borrower address history

– Subject property ownership history

○ Employment

○ Licensing – reviewed NMLS data for:

– Mortgage lender/originator

– Loan officer

○ OFAC

MFA 2026-NQM2 Due Diligence Narrative Report Page \| 12 May 18, 2026

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**Appendix B: Origination Appraisal Assessment** 

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

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

○ Appraisal report used standard GSE forms, appropriate to the property type:

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

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

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

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

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

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

○ Appraisal report was reasonably complete and included:

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

– Accurate identification of the subject property

– Accurate identification of the subject loan transaction

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

– All required attachments including:

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

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

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

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

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

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

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

– Appraisal date met supplied Sponsor Acquisition Criteria

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

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

○ Title XI of FIRREA:

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

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

○ USPAP

– Confirmed that the appraiser's certification is present and executed within the original appraisal.

MFA 2026-NQM2 Due Diligence Narrative Report Page \| 13 May 18, 2026

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

○ Appraised value was reasonably supported. Utilized the following review in making value supported determination:

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

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

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

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

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

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

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

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

– Property usage was reviewed for zoning compliance

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

– Neighborhood values were reviewed to determine if declining

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ %
 built up

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Growth
 rate

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Demand/supply

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Marketing
 time

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Predominant
 occupancy

– Physical condition of the property was reviewed to determine that the property condition was average or better

– Style of property was reviewed to determine if unique property

– Any health and safety issues were noted and/or remediated

– Locational and/or environmental concerns adequately addressed if present

D. Property
 Eligibility Criteria – Clayton reviewed the property to determine that the property
 met the client supplied eligibility requirements. Examples of ineligible property types
 may include:

○ 3 to 4 unit owner occupied properties

○ 2 to 4 unit second homes

○ Unwarrantable or limited review condominiums

○ Manufactured or mobile homes

○ Condotel units

○ Unique properties

○ Working farms, ranches or orchards

○ Mixed-use properties

○ Properties subject to existing oil or gas leases

○ Properties located in Hawaii Lava Zones 1 and 2

○ Properties exceeding Sponsor Acquisition Criteria requirements for excess acreage

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

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

MFA 2026-NQM2 Due Diligence Narrative Report Page \| 14 May 18, 2026

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F. 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.

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

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

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

○ Clayton does not check to see if the appraiser is on the Freddie Mac exclusionary list

MFA 2026-NQM2 Due Diligence Narrative Report Page \| 15 May 18, 2026

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**Appendix C: Regulatory Compliance Review Scope** 

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

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

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

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

○ Initial Good Faith Estimate, (GFE): timing and content of the initial disclosure

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

○ Final HUD1 Settlement Statement: verify the loan file contains the final HUD1 and the loan terms on the HUD1 correspond to the actual loan terms from the Note

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

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

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

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

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

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

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

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

○ High Cost mortgage thresholds for points and fees (Section 32)

○ High Cost Prohibited Acts and Practices upon request (Section 33)

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

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

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

○ TILA/RESPA Integrated Disclosures ("TRID")

MFA 2026-NQM2 Due Diligence Narrative Report Page \| 16 May 18, 2026

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Test
 whether or not the loan is subject to disclosure on TRID documents, the Loan Estimate
 ("LE") and Closing Disclosure ("CD")

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Pre-application
 Requirement Testing:

● Pre-application forms cannot look similar to the LE

● Pre-application forms must contain the required disclaimer ("Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan").

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Timing
 Requirements:

● The LE was delivered or placed in the mail within 3 business days of the broker or lender receiving an application.

● The loan does not consummate (Clayton looks to the later of the note date or notary date) until the later of seven business days after the LE is delivered or placed in the mail and three business days after the CD (or Corrected CD when a new three-day waiting period is triggered) is received.

● That a revised LE or CD is provided within three business days of the lender having knowledge of the information that led to the change.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Fee
 Tolerances:

● Zero and ten percent tolerance fees are only reset with a valid and timely change of circumstance.

● If a credit or refund is made, that it is sufficient to cover Clayton's calculated under-disclosure.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Payment
 Schedule Accuracy:

● The number of columns and timing of changes to payments as well as the mortgage insurance drop-off match Clayton's calculated payment schedule.

● Interest-only periods and final balloon payments are accurately completed.

● The total of the principal and interest payment, mortgage insurance and escrow amounts add up correctly.

● When applicable, that the AIR and AP tables are consistent with Clayton's calculations.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Accuracy
 of the Loan Calculations

● Amount Financed

● Finance Charge

● Total of Payments

● Total interest percentage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Technical
 Requirements

● Compliance with the TRID rounding rules.

● Compliance with specified formatting requirements.

● Compliance with date entry requirements (such as when a field, if not applicable, must be present and left blank).

● Alphabetization of fees.

● Title fees preceded by "Title –."

● Column or similar limits such as four columns for Projected Payments and a maximum of thirteen Origination Charges on the LE.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Consistency
 within and across forms

● Once a fee is disclosed it must remain substantially the same name across disclosures.

● Consistency between the Costs at Closing and Calculating Cash to Close tables, for which there is a version for transactions with a seller and an optional, but not required, version for transactions without a seller. They should be consistent within and across disclosures.

● Where amounts in a table reference that they are derived from another section of the form, that the amounts match the amount in the section referenced.

MFA 2026-NQM2 Due Diligence Narrative Report Page \| 17 May 18, 2026

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● Escrow amounts disclosed in the Projected Payments section tie out to the escrow amounts detailed in the Loan Disclosures section.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Completion
 of the LE and CD

● All required fields not specifically listed herein are completed or left blank in accordance with TRID rules; creditor information, contact information, rate lock information, etc.

● For areas where multiple options are provided, such as Assumption, Negative Amortization and Liability after Foreclosure, only one option is indicated.

● That there is either a signature or a Loan Acceptance statement on the form.

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

● Clayton will capture if the borrower waived their waiting period and the sufficiency of the waiver under TRID. However, based on past experience with clients, Clayton will also issue an exception for the loan closing early.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Corrected
 CD requiring a new waiting period

● Whether the APR increased or decreased outside of tolerance requiring a new waiting period and whether that waiting period was provided. For APR decreases Clayton will look to whether the APR decreased due to a reduced finance charge, which will be considered to be within tolerance.

● Whether the product or a product feature changed which requires a new waiting period and whether that waiting period was provided.

● Whether a prepayment penalty was added requiring a new waiting period and whether that waiting period was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Post-Close
 CD's

● Corrected CD's provided with a post-close refund.

● Post-close CD's to correct numerical errors based on events (such as recording) occurring within 30 days of consummation.

● Post-close CD's to correct non-numerical clerical errors required within 60 days of consummation.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Related
 Documentation

● Provision and timing of Your Home Loan Toolkit (first lien, purchase-money loans)

● Written List of Providers, when there are items in in the Services You Can Shop For category (can impact fee tolerances)

● Affiliated Business Disclosure (can impact fee tolerances)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Outside
 of Clayton's default TRID scope:

● Accuracy of the LE in terms of whether fees are within the correct category and loan terms where we would need a Note to verify. More detailed testing will occur by comparing the final CD to the Note terms.

● Whether the Liability after Foreclosure selection is correct for the property state.

● Accuracy of the Aggregate Adjustment amount.

● Presence and accuracy of the Seller's Transaction columns of the Summaries of Transactions section.

● Accuracy of the Contact Information for the lender, broker and settlement agent. Clayton will look for discrepancies across forms, but is not independently verifying the information.

**C.** **FACTA** - the Credit Score, Key Factors, and Notice to Home Loan Applicant disclosures

**D.** **HMDA** – Whether the loans is Rate Spread threshold reportable.

MFA 2026-NQM2 Due Diligence Narrative Report Page \| 18 May 18, 2026

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**<u>STATE, COUNTY and MUNICIPAL LAW</u>**

**A.** **Higher-Priced** 

Clayton test whether a loan meets the thresholds for a higher-priced, rate spread, subprime or nonprime mortgage loan, and whether such loan meets regulatory requirements, in the following states:

---

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

---

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

Clayton test whether a loan meets the thresholds for a high cost or covered loan in the following states, counties and municipalities, and also tests for compliance with provisions in such laws that apply to all loans subject to high cost testing:

---

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

---

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

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

● Minnesota (Mortgage Originator and Service Licensing Act)

● Puerto Rico (Office Regulation 5722)

● Texas (Texas Finance Code)

● West Virginia (Residential Mortgage Lender, Broker and Servicer Act).

**D.** **Borrower's Interest** 

Clayton uses a module that reports to the client the factors that the client can weigh to determine whether or not the loan is in the borrower's interest, and also makes a mathematical determination as to whether or not there is at least one benefit. This module is only used in the following states, where the laws or releases by the regulators provide an indication of some standards that can be applied.

MFA 2026-NQM2 Due Diligence Narrative Report Page \| 19 May 18, 2026

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---

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

---

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

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

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Consumer Protection** | &nbsp;&nbsp;**Consumer Protection** |
| &nbsp;&nbsp;Alabama (the "Mini-code") | &nbsp;&nbsp;Nebraska (Mortgage Bankers Registration and Licensing Act and the Installment Loan Act) |
| &nbsp;&nbsp;Hawaii (Financial Services Loan Company Act) | &nbsp;&nbsp;Nevada (AB 440 |
| &nbsp;&nbsp;Idaho (Residential Mortgage Practices Act) | &nbsp;&nbsp;Ohio (Consumer Sales Practices Act; whether the loan is in Summit County) |
| &nbsp;&nbsp;Illinois (both versions of the Cook County Predatory Lending Database; Illinois Residential Mortgage Licensing Act) | &nbsp;&nbsp;Texas (Article XVI, Section 50(a)(6) of the Texas Constitution) |
| &nbsp;&nbsp;Iowa (Consumer Credit Code) | &nbsp;&nbsp;Utah (Consumer Credit Code) |
| &nbsp;&nbsp;Kansas (Consumer Credit Code) | &nbsp;&nbsp;Virginia (Mortgage Lender and Broker Act) |
| &nbsp;&nbsp;Kentucky (HB 552) | &nbsp;&nbsp;Washington (Consumer Loan Act and Responsible Mortgage Lending Act) |
| &nbsp;&nbsp;Maryland (DLLR Regulations, Commercial Law) | &nbsp;&nbsp;West Virginia (Consumer Credit Protection Act) |
| &nbsp;&nbsp;Massachusetts (Attorney General regulations) | &nbsp;&nbsp;Wyoming (Residential Mortgage Practices Act) |
| &nbsp;&nbsp;Michigan (Consumer Mortgage Protection Act) |  |

---

See attached Exhibit A - Consumer Protection Laws for additional details on the specific components of the aforementioned Consumer Protection laws that are evaluated as part of the Clayton Compliance Review Scope:

**F.** **Texas Equity** 

In addition to identifying whether Texas refinances are cash out transactions subject to the Texas Constitution Article 16 Section 50(a)(6) requirements, Clayton reviews the title report to confirm prior loans being refinanced are continuous purchase money and not (a)(6) loans. In the event a loan is determined to be a Texas Home Equity loan, the underwriter reviews the loan images to confirm the loan meets the Texas requirements including maximum LTV/CLTV, 3% fee cap, product restrictions and the required disclosures were provided to the borrower in accordance with required timelines.

MFA 2026-NQM2 Due Diligence Narrative Report Page \| 20 May 18, 2026

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**<u>GSE Testing</u>**

Clayton can review loans to determine whether they comply with Fannie Mae's and Freddie Mac's Points and Fees threshold tests. These fee limitations of 5% for all loans with application dates prior to 1/10/2014 were reduced to 3% on Primary and Second Homes for applications on or after 1/10/2014. If requested, loans can be reviewed to determine whether the loan is a residential mortgage transaction ineligible for delivery due to its APR or fees exceeding the HOEPA thresholds. Clayton offers Lender Letter and non-traditional mortgage testing for Fannie Mae. (Note: Fannie Mae requires a non-disclosure agreement between the client and Fannie Mae for Clayton to report these results.)

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

Please be advised that Clayton has not determined whether the Loans comply with federal, state or local laws, constitutional provisions, regulations or ordinances, including, but not limited to, licensing and general usury laws that set rate and/or fee limitations, unless listed above. Clayton's review is focused on issues that raise concerns for secondary market investors and other assignees, based on potential for assignee liability, an adverse impact on the lien, and regulatory, litigation and headline risk. Clayton's review is not designed to fully test a lender's compliance with all applicable disclosure and licensing requirements. Furthermore, the findings reached by Clayton are dependent upon its receiving complete and accurate data regarding the Loans from loan originators and other third parties. Please be further advised that Clayton and its employees do not engage in the practice of law, and the findings set forth in the reports prepared by Clayton do not constitute legal advice or opinions.© 2026 Clayton Services LLC. All rights reserved.

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

MFA 2026-NQM2 Due Diligence Narrative Report Page \| 21 May 18, 2026

## Exhibit 99.05

[MFA 2026-NQM2 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.05 - Schedule 1**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **MFA 2026-NQM2** |
| **Start - End Dates:** | **12/23/2019 - 3/11/2026** |
| **Deal Loan Count:** | **174** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *174* |
| ***Loans with Conditions:*** | *73* |

---

---

| |
|:---|
| **14 - Total Active Conditions** |
| **3 - Material Conditions** |
| 3 - Credit Review Scope |
| 1 - Category: LTV/CLTV |
| 2 - Category: Terms/Guidelines |
| **11 - Non-Material Conditions** |
| 5 - Credit Review Scope |
| 1 - Category: Credit/Mtg History |
| 2 - Category: DTI |
| 2 - Category: Income/Employment |
| 2 - Property Valuations Review Scope |
| 2 - Category: FEMA |
| 4 - Compliance Review Scope |
| 1 - Category: Ability to Repay/Qualified Mortgage |
| 1 - Category: Documentation |
| 2 - Category: RESPA |
| **95 - Total Satisfied Conditions** |
| 47 - Credit Review Scope |
| 6 - Category: Application |
| 5 - Category: Assets |
| 4 - Category: Credit/Mtg History |
| 5 - Category: DTI |
| 3 - Category: Income/Employment |
| 6 - Category: Insurance |
| 5 - Category: Legal Documents |
| 5 - Category: Terms/Guidelines |
| 8 - Category: Title |
| 22 - Property Valuations Review Scope |
| 17 - Category: Appraisal |
| 1 - Category: Property |
| 4 - Category: Value |
| 26 - Compliance Review Scope |
| 1 - Category: Ability to Repay/Qualified Mortgage |
| 1 - Category: Compliance Manual |
| 2 - Category: Documentation |
| 2 - Category: RESPA |
| 1 - Category: Right of Rescission |
| 19 - Category: TILA/RESPA Integrated Disclosure |
| **14 - Total Waived Conditions** |
| 11 - Credit Review Scope |
| 1 - Category: Application |
| 3 - Category: Assets |
| 1 - Category: Credit/Mtg History |
| 1 - Category: DTI |
| 2 - Category: Income/Employment |
| 1 - Category: LTV/CLTV |
| 2 - Category: Terms/Guidelines |
| 3 - Property Valuations Review Scope |
| 1 - Category: Appraisal |
| 2 - Category: Property |

---

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

## Exhibit 99.05

[MFA 2026-NQM2 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.05 - Schedule 2**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **MFA 2026-NQM2** |
| **Start - End Dates:** | **12/23/2019 - 3/11/2026** |
| **Deal Loan Count:** | **174** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *174* |
| ***Loans with Conditions:*** | *73* |

---

---

| | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Initial Securitization Compliance Loan Grade** | **Final Securitization Compliance Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Condition Category** | **Condition Sub Category** | **Condition Status** | **Initial Securitization Condition Grade** | **Initial S&P Condition Grade** | **Condition Code** | **Condition Description** | **Condition Material Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID Error Type** | **Cure Method** | **Compensating Factors** |
| 87867 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 45 months when 12 months are required.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been employed with XXX for 5 years and 9 monrhs.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has been employed with XXX for 5 years and 6 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $333,345.72 or 31.08 months PITI, guidelines required 0 months PITI.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 47%, max per guidelines is 50%. |
| 88418 | XXXXXX | HI | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 18.36%, max per guidelines is 50%<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: CB has 19.10 years at current job.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: CB has 7 years at current primary.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: No mortgage lates past 2 years at credit report. |
| 88419 | XXXXXX | CT | (No Data) | ATR/QM: Exempt C B | N/A | N/A C B | N/A | N/A | Credit | LTV/CLTV | Waived | C B | C B | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | No | LTV of 65.38% is > the maximum LTV of 60% for loans with minimum credit score of 600, borrower's credit score of 569 is < 600. | 3/5/26- Client uploaded revised UAW stating ok per XXX for this LTV & FICO combo however, the correct FICO for qualifying was not listed.. Please confirm acknowledgment of FICO of 569 below min requirement.03/06/26- Client provided revise UAW listing <600 FICO confirmed. | 03/06/26- Upon further review by Senior Underwriter, LTV is deemed non-material due to significant reserves. Final Grade B. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $109,648.99. CTC $0.00 leaves reserves of $109,648.99 or 36.73 mos. Reserves required 12 mos. |
| 88419 | XXXXXX | CT | (No Data) | ATR/QM: Exempt C B | N/A | N/A C B | N/A | N/A | Credit | Terms/Guidelines | Waived | C B | C B | CRDTER4631 | Loan parameters do not meet guidelines | No | Credit score of 569 is < the minimum credit score of 600. | 3/5/26- Client uploaded revised UAW stating ok per XXX for this LTV & FICO combo however, the correct FICO for qualifying was not listed.. Please confirm acknowledgment of FICO of 569 below min requirement.03/06/26- Client provided revise UAW listing <600 FICO confirmed. | Upon further review by Senior Underwriter, credit score below 600is deemed non-material due to significant reserves. Final Grade B. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $109,648.99. CTC $0.00 leaves reserves of $109,648.99 or 36.73 mos. Reserves required 12 mos. |
| 88419 | XXXXXX | CT | (No Data) | ATR/QM: Exempt C B | N/A | N/A C B | N/A | N/A | Property Valuations | Value | Satisfied | A | B | PRVAVALU5249 | Property Value Not Supported | No | A Field review was received with a reported value of $XXX which is a variance of -24.1667 less than the original appraised value. Desk review was received on XXX with a value of $XXX . Lender utilized the desk review and field review values at time of origination. | (No Data) | (No Data) | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $109,648.99. CTC $0.00 leaves reserves of $109,648.99 or 36.73 mos. Reserves required 12 mos. |
| 87869 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 8 years at current residence.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has mortgage payment history 0x30 since 3/2006. |
| 87871 | XXXXXX | AR | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Legal Documents | Satisfied | D A | D A | CRDLGL4033 | Missing Legal Document(s) | No | Missing current lease for unit XX. File contains current leases for XX, XX, and XX. | 12/18/2025 client response: Uploading Account Manager certification stating there isnt a current tenant in XX | 12/18/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75% is < the maximum LTV of 80%.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: All mortgages reflected on the credit report have been paid as agreed with 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 794 is > the minimum credit score of 660. |
| 87872 | XXXXXX | NY | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied | D A | D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Missing signed final HUD-1. Reviewer utilized CD in file for fees captured due to the cash to close matching the wire that was sent to closing and the unsigned settlement statement cash to close does not match the wire. File contains a signed CD which does not contain an issue date, Interest rate, monthly principal & interest payment, prepayment penalty and the mortgage broker. | 12/30/2025 client provided HUD | 12/30/2025 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has owned current primary residence for 10 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 715 is > the maximum credit score of 660.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Guarantor's mortgage history reviewed for current primary residence for 44 months with 0x30. |
| 88421 | XXXXXX | UT | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets: Assets verified at $300,721.00 less cash from borrower $32,861.04 equals $267,859.96 or 75.20 months PITIA |
| 87873 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 775 is > the minimum credit score of 700.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Current mortgage for primary residence was reviewed for 55 months with 0x30.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $292,683.18. CTC $141,710.66 leaves reserves of $150,972.52 or 43.94 mos. Reserves required 0 mos. |
| 87874 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 14 years 3 moinths.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Postive mortgage payment history 0X30X99.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves of $310,018.64 exceed guideline of $0 required reserves. |
| 88422 | XXXXXX | NY | (No Data) | ATR/QM: Exempt B | B | A B | B | A | Compliance | Documentation | Satisfied | B A | B A | CMPDOC5556 | Note P&I doesn't equal Clayton's calculated P&I; payment schedule inaccuracy | No | Discrepancy in P&I caused by Note reflects 30 Year Fixed Rate but the Loan was approved for 5 Year Interest Only/Fixed Rate. | 2.12.26-Client provided corrected signed Note. | 2.12.26-Exception Satisfied. | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 783 FICO score. Minimum required 730.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 10 years and 6 months in current residence |
| 88423 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have owned primary residence for 15 years. |
| 88425 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Application | Satisfied | D A | D A | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Missing signed Guarantor's W-8BEN. | 3/10/26- signed W-8BEN uploaded for review | Exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $210,252.81. CTC $167,911.08 leaves reserves of $42,341.73 or 10.27 mos. Reserves required 6 months for exception.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 40.86% is < the maximum LTV of 70%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower #2 has owned current primary residence for 15 years and 6 months. |
| 88425 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Title | Satisfied | C A | C A | CRDTIL875 | Title Does Not Agree With Mortgage | No | Title commitment dated XXX reflects the proposed insured as XXX XXX XXX a Florida limited liability company and Mortgage reflects XXX XXX XXX, a Florida limited liability company and XXX Cure XXX | 3/10/26- Final title policy, once available, will match the Note and Deed | Exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $210,252.81. CTC $167,911.08 leaves reserves of $42,341.73 or 10.27 mos. Reserves required 6 months for exception.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 40.86% is < the maximum LTV of 70%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower #2 has owned current primary residence for 15 years and 6 months. |
| 87581 | XXXXXX | CT | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Application | Satisfied | D A | D A | CRDAPP157 | Application Not Signed by Primary Borrower | No | Missing final signed 1003 for Entity. | 01/19/2026 client provided Closing package including Signed 1003 | 01/19/2026 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $409,692.67. CTC $169,243.39 leaves reserves of $240,449.28 or 60.41 mos. Reserves required 3 mos for exception.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75% is < the maximum LTV of 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage history reviewed for G1 for 41 months with 0x 30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 797 is > the minimum credit score of 640. |
| 87581 | XXXXXX | CT | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Application | Satisfied | D A | D A | CRDAPP227 | Application Not Signed by Co-Borrower | No | Missing final signed 1003 for Guarantor #1 and Guarantor #3. | 01/19/2026 client provided Closing package including Signed 1003 | 01/19/2026 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $409,692.67. CTC $169,243.39 leaves reserves of $240,449.28 or 60.41 mos. Reserves required 3 mos for exception.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75% is < the maximum LTV of 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage history reviewed for G1 for 41 months with 0x 30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 797 is > the minimum credit score of 640. |
| 87581 | XXXXXX | CT | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied | D A | D A | CRDLGL1819 | Estimated HUD-1 in File, Missing Final HUD-1 | No | Missing final signed HUD-1. File contains a Closing & Disbursement Statement. | 02/13/2026 client response: Settlement Agent uploaded Confirming Closing & Disbursement Statement same as Final Settlement Statement | 02/13/2026 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $409,692.67. CTC $169,243.39 leaves reserves of $240,449.28 or 60.41 mos. Reserves required 3 mos for exception.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75% is < the maximum LTV of 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage history reviewed for G1 for 41 months with 0x 30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 797 is > the minimum credit score of 640. |
| 87581 | XXXXXX | CT | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied | D A | D A | CRDLGL191 | Missing Mortgage | No | Provide executed Mortgage to include Notary and applicable Rider(s). | 01/19/25026 client provided Closing package including missing documents | 01/19/2026 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $409,692.67. CTC $169,243.39 leaves reserves of $240,449.28 or 60.41 mos. Reserves required 3 mos for exception.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75% is < the maximum LTV of 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage history reviewed for G1 for 41 months with 0x 30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 797 is > the minimum credit score of 640. |
| 87581 | XXXXXX | CT | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Terms/Guidelines | Satisfied | C A | C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing signed Business Purpose of Loan Certification, Limited Power of Attorney to Correct Documents, Page 1 of the Borrower Consent to the Use of Tax Return Information, Certification of Non-Owner Occupancy and Indemnity and Limited Liability Company Borrowing Authorization. | 01/19/2026 client provided Signed Business Disclosures | 01/19/2026 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $409,692.67. CTC $169,243.39 leaves reserves of $240,449.28 or 60.41 mos. Reserves required 3 mos for exception.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75% is < the maximum LTV of 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage history reviewed for G1 for 41 months with 0x 30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 797 is > the minimum credit score of 640. |
| 87581 | XXXXXX | CT | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Title | Satisfied | C A | C A | CRDTIL875 | Title Does Not Agree With Mortgage | No | Title commitment dated XXX reflects Proposed Title Policy amount of $XXX ; Note reflects loan amount of $XXX. | 01/19/2026 client provided Corrected Title Commitment | 01/19/2026 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $409,692.67. CTC $169,243.39 leaves reserves of $240,449.28 or 60.41 mos. Reserves required 3 mos for exception.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75% is < the maximum LTV of 80%<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage history reviewed for G1 for 41 months with 0x 30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 797 is > the minimum credit score of 640. |
| 88426 | XXXXXX | TX | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | Legal Documents | Satisfied | D A | D A | CRDLGL4033 | Missing Legal Document(s) | No | Provide required Guaranty document. | 03/13/2026 client provided Signed Guaranty | 03/13/2026 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $113,982.24. CTC $0.00 leaves reserves of $113,982.24 or 111.35 mos. Reserves required 0 mos. |
| 87875 | XXXXXX | NY | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | Credit | Assets | Waived | C B | C B | CRDAST205 | Insufficient Funds to Close | No | Funds verified $131,161.69 CTC $135,351.00 SHORT FUNDS TO CLOSE $4,189.31 | 01/02/2026 client response: Updated ULAW uploaded01/02/2026 Clayton response: Upon further review by Clayton Sr Underwriter, exception considered non-material; Final Grade B. Comp Factors for Credit Score, Mortgage Payment History, Time at Current Residence and Consumer Credit History.01/02/2026 client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 7 years.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history 0x30x53.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history 0x30x77.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 783 exceeds guideline score of 720. |
| 87876 | XXXXXX | MD | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Application | Waived | B | B | CRDAPP5430 | FNMA Application Form is Outdated | No | Correct FNMA Application Form used. | client acknowledged exception | Final grade B | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in current residence for 4 years 11 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 799 qualifying score. Min required per guidelines is 780.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 58 months when 12 months are required |
| 88428 | XXXXXX | NY | (No Data) | ATR/QM: Exempt D | D | A D | D | A | Compliance | Documentation | Satisfied | D A | D A | CMPDOC3280 | One or more Applications in file are incomplete | No | Missing final corrected signed 1003 correcting the borrower's Citizenship. Final 1003 reflects the borrower is a Permanent Resident Alien. File contains an Employment Authorization Card and a Social Security Card stating it is valid for work only. | 2/26/2026- Client uploaded corrected 1003 to read NPRA. | Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score of 778 is > the minimum credit score of 660.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current primary residence for 8 years and 2 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $189,794.83 CTC $148,795.74 leaves reserves of $40,999.09 or 6.95 mos. Reserves required 0 mos. |
| 88429 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR101 | Appraisal incomplete (missing map, layout, pages, etc) | No | Appraisal is incomplete only pages 1-3 provided. Provide the complete appraisal. | 03/04/2026 client provided Full Appraisal | 03/04/2026 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned primary residence for 23 years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has mortgage payment history 0x30 since 6/2018.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 732 exceeds guidelines 640. |
| 88429 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR271 | Comp photos are missing | No | Appraisal is incomplete only pages 1-3 provided. Provide the complete appraisal. | 03/04/2026 client provided Full Appraisal | 03/04/2026 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned primary residence for 23 years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has mortgage payment history 0x30 since 6/2018.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 732 exceeds guidelines 640. |
| 88429 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR281 | Subject Photos are missing | No | Appraisal is incomplete only pages 1-3 provided. Provide the complete appraisal. | 03/04/2026 client provided Full Appraisal | 03/04/2026 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned primary residence for 23 years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has mortgage payment history 0x30 since 6/2018.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 732 exceeds guidelines 640. |
| 88429 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR284 | Appraiser License Missing | No | Appraisal is incomplete only pages 1-3 provided. Provide the complete appraisal. | 03/04/2026 client provided Full Appraisal | 03/04/2026 exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned primary residence for 23 years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has mortgage payment history 0x30 since 6/2018.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 732 exceeds guidelines 640. |
| 87877 | XXXXXX | MD | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 75% is < the maximum LTV of 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $198,810.93. CTC $136,304.47 leaves reserves of $62,506.46 or 17.29 mos. Reserves required 0 mos.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 790 is > the minimum credit score of 640. |
| 88431 | XXXXXX | MD | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Property Valuations | Property | Waived | B | B | PRVAPROP177 | Property Issues Indicated | No | Subject property is vacant per original appraisal XXX with updated photos of Unit A occupied as of XXX. Two leases in file dated with lease start date XXX with no verification of first months rent/security deposits received. Per Platinum program vacant properties ineligible. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 758 exceeds guidelines 730.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has mortgage payment history 0x30 since 10/2019. |
| 88432 | XXXXXX | VA | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | Credit | Terms/Guidelines | Satisfied | C A | C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Fully Executed XXX Authorization for Automatic Mortgage Payment form AND copy of a voided check/bank print out withacct#/XXX# \*ACH is required for loans closing in an Entity | 2/24/26- Client uploaded signed disclosure form and check for review | Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 7 years. |
| 88433 | XXXXXX | VT | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Insurance | Satisfied | C A | C A | CRDINSR289 | Insufficient Hazard Insurance Coverage | No | Per guidelines, Binders will be acceptable if they are valid for at least six (6) months from the date Seller funds the loan with evidence that the premiums have been paid asfollows: 1. Purchase Transaction Prepaid for a full twelve (12) month policy. Although, the HUD reflects 12 months prepaid for policy, the binder provided in the credit file is for 1 month. | 01/27/2026 client provided Insurance policy reflecting 12-month coverage | 01/27/2026 exception satisfied | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage payment history is for 44 months when 12 months are required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 809 qualifying score. Min required per guidelines is 780.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 65%; max allowed per guidelines is 80%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $106,704.31 or 40.11 months PITI, guidelines required 0 months PITI. |
| 88434 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Guarantor has lived at current primary residence for 27 years and 8 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 51.92 is < the maximum LTV of 65% |
| 88435 | XXXXXX | FL | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Terms/Guidelines | Waived | B | B | CRDTER4631 | Loan parameters do not meet guidelines | No | DSCR score 0.9868 is below min requirement of 1.0 for a Condotel. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV OF 61.78 below max 70% |
| 88438 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 5 years 6 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 752 qualifying score. Min required per guidelines is 600.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 51.52% is below max guideline requirement of 75% |
| 88440 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 754 exceeds guidelines 620.<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: $3,954.73 PITI on old mortgage - New PITI of $3,389.53 = $574.20 savings on monthly payment. |
| 88441 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The HCLTV is 27.99% and guidelines allow the HCLTV to be 75%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has occupied the primary residence for 11 years 5 months |
| 88442 | XXXXXX | CA | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Property Valuations | Appraisal | Waived | B | B | PRVAAPPR265 | Appraisal form does not match property type(Mobile Home, Manufactured Home) | No | Subject is Manufactured Home was appraised using 1004 appraisal instead of 1004C Manufactured Home appraisal. Lender approval in file. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned subject property for 33 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 803 qualifying score. Min required per guidelines is 700. |
| 88443 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has an excellent credit payment history with 99 months reviewed reporting 0 late payments.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 741 FICO score. Minimum required 600.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 40.65% is below max LTV of 60%. |
| 88445 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Actual LTV 68.76% / Max LTV 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 701 exceeds min score requirement of 660.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Mortgage history reflects 0 x 30 for the past 63 months. |
| 88448 | XXXXXX | UT | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 803 qualifying score. Min required per guidelines is 640.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX employed for 8 years 6 months. |
| 88451 | XXXXXX | SC | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $5,598.94. Required reserves $0.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence 16 years 3 months. |
| 88452 | XXXXXX | OK | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 727 exceeds guidelines 700. |
| 88453 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash back to the borrower of $XXX represents 98 months of PITI reserves, none required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for 3 years |
| 88454 | XXXXXX | CT | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Mortgage history reflects 0 x 30 for the past 80 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 694 exceeds min score requirement of 660.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Actual LTV 70% / Max LTV 75%. |
| 88455 | XXXXXX | FL | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | Credit | Title | Satisfied | C A | C A | CRDTIL875 | Title Does Not Agree With Mortgage | No | Title commitment dated XXX reflects proposed amount of insurance as $XXX ; Note and Mortgage reflects loan amount of $XXX. | 03/03/2026 client provided Title Supplement with $XXX loan amount | 03/03/2026 exception satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: All current and prior mortgages paid as agreed with 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 760 is > the minimum credit score of 700. |
| 88458 | XXXXXX | FL | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Property Valuations | Property | Waived | B | B | PRVAPROP177 | Property Issues Indicated | No | Transaction of refinance with subject property being vacant does not meet guidelines. Lender approval in file. | 2/20/26- Client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for 7 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $670,173.19. CTC $49,873.70 leaves reserves of $620,299.49 or 256 months. No reserves required.<br>CFCFS1746: Significant housing expense reduction<br> - Clayton Comments: Prior mortgage payment $2,664.38 interest only with no escrow, new mortgage payment $1,787.17 P&I. |
| 88459 | XXXXXX | CA | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Terms/Guidelines | Satisfied | C A | C A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Missing Lumber receipt/invoice for $753.23 and Wood paneling receipt/invoice in the amount of $1,593.64 to calculate LTV.. Wood panel receipt provided in file is in the amount of $1,563.94. | 2/23/26- Client uploaded missing receipts. | Exception satisfied | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Current primary residence mortgage was reviewed for 32 months with 0x30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 763 is > the minimum credit score of 640. |
| 88461 | XXXXXX | IL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: B2 has occupied her primary residence for 6 years. |
| 88462 | XXXXXX | CA | (No Data) | ATR/QM: Exempt D | N/A | N/A D | N/A | N/A | Credit | DTI | Satisfied | D A | D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing verification of P&I payment from refinance of primary residence on XXX XXX Additional conditions may apply. | 3/5/26- Client uploaded 1st pymt letter that reflects P&I | Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been XXX employed for 15 years<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for 2 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $664,938.71 exceed guidelines $0. |
| 88464 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Mortgage history reflects 0 x 30 for the past 43 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 764 exceeds min score requirement of 660.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Actual LTV 80% / Max LTV 85%. |
| 88465 | XXXXXX | CO | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower's current mortgage on primary residence was reviewed for 91 months with 0x30.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned current primary residence for 7 years and 10 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 795 is > the minimum credit score of 640. |
| 88468 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 789 exceeds guidelines 700.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrowers have a 65 month mortgage rating history<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 48.39% is below guideline requirements 75%. |
| 88470 | XXXXXX | FL | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Income/Employment | Waived | B | B | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | VVOE in file dated XXX is not within 3 days of Note dateXXX . | 3/5/26- Client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage history no lates on credit report.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 5 years at current primary.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 5 years at current profession. |
| 88472 | XXXXXX | CT | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | DTI | Satisfied | D A | D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing verification of PITIA for REO's on XXX XXX units XXX | 3/10/26- Client uploaded proof of HOA & escrows for unit 4, but missing proof of P&I. Unit 2 has not closed yet. Exception remains for proof of P&I pymt for Unit 4. 03/11/2026 client response: Oops, forgot to include the Note. | 03/11/2026 exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 729 mid score > min required of 620.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 7 years 1/mo. |
| 88475 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $53,243.36. CTC $39,560.57 leaves reserves of $13,682.79 or 13 months. No reserves required.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage history reporting to credit is positive.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for 4 years. |
| 88476 | XXXXXX | MD | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 708 exceeds guidelines 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Cash reserves of $4,774,032.24 exceed guidelines $0. |
| 88477 | XXXXXX | MD | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history 0X30X237.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Postive mortgage payment history 0X30X74. |
| 88479 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 741 exceeds min score requirement of 660.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x83<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Actual LTV 76.64% / Max LTV 85%. |
| 88483 | XXXXXX | FL | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | Credit | Assets | Satisfied | C A | C A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Missing proof of wire transfer of gift funds $196,000 at closing | 3/10/26- Client uploaded copy of wire transfer for review | Exception satisfied | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 28 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 711 mid score > min required of 640. |
| 88485 | XXXXXX | MD | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Insurance | Satisfied | D A | D A | CRDINSR3278 | Hazard Insurance documentation in file is incomplete | No | Missing HOI Dec page & Invoice to support annual premium in the amount of $1,571.04. | 03/06/26- Client provided dec page confirming premium. | 03/06/26- Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current primary residence for 8 years and 9 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 672 is > the minimum credit score of 660. |
| 88485 | XXXXXX | MD | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Title | Satisfied | C A | C A | CRDTIL875 | Title Does Not Agree With Mortgage | No | Title commitment dated XXX reflects proposed amount of insurance of $XXX; Note and Deed of Trust reflects loan amount of $XXX. | 03/06/26- Client provided updated title commitment matching Note/ Mortgage. | 03/06/26- Satisfied. | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has lived at current primary residence for 8 years and 9 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 672 is > the minimum credit score of 660. |
| 88486 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 158 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 796 mid score > min required of 600. |
| 88487 | XXXXXX | OR | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has an excellent credit payment history with 82 months reviewed reporting 0 late payments.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 787 FICO score. Minimum required 660. |
| 88489 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $44,735 exceed guidelines $0.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 731 exceeds guidelines 640. |
| 88491 | XXXXXX | CA | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | Credit | Assets | Waived | C B | C B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Total assets verified- $6,440.74. CTC $5727.12 leaving $713.63. Short 6 months reserves $20,366.34 for LTV over 75%. | 3/5/26- Client uploaded revised ULAW waiving reserves. Citing comp factors of 777 FICO, positive DSR, and sold comps have a low avg DOM. Regraded- L2/B3/5/26- Client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have owned/resided at primary residence for 24 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Minimum credit score required is 700, borrowers credit score is 777 |
| 88492 | XXXXXX | OH | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower has mortgage payment history 0x30 since 8/2015.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 694 exceeds min score requirement of 660.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x99.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Actual LTV 70% / Max LTV 75%. |
| 88493 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: 5 years and 0 months in current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: 30 years and 0 months in current profession |
| 88494 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 791 exceeds guidelines 660.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has mortgage payment history 0x30 since 10/2006. |
| 88496 | XXXXXX | TX | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Title | Satisfied | C A | C A | CRDTIL875 | Title Does Not Agree With Mortgage | No | Title Commitment reflects proposed Borrower as XXX XXX XXX and a policy amount of $XXX. Note and Deed of Trust reflects the borrower has XXX XXX and with a loan amount of $XXX. | 03/06/26- Client provided updated title commitment matching Note/ Mortgage. | 03/06/26- Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Current mortgage for the subject property was reviewed for 82 months with 0x30.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned current primary residence for 16 years. |
| 88497 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job; 17 years 5/mo.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 662 mid score > min required of 600. |
| 88498 | XXXXXX | AR | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C B | C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero tolerance of $800 due to Appraisal fee increased with no valid reason in file. Provide COC reflecting valid reason for the fee changes or PCCD with cure, copy of cure check, LOE to borrower and evidence of delivery via method including tracking information within 60 days of discovery. | 4.2.26-Client provided PCCD with cure, copy of cure check, LOE to borrower and evidence of delivery. | 4.2.26-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX employed for 7 years 1 month.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75% LTV below max guideline requirement of 85%. |
| 31769 | XXXXXX | CO | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Credit | Terms/Guidelines | Active | C | C | CRDTER3122 | Loan documents do not meet guideline requirements | Yes | Provide evidence of the release of the UCC statement filed with XXX. No evidence the UCC statement was subordinated to subject lien therefore need proof it was released. | 9.21.2020 Client provided copy of final title policy (dated XXX) still reflecting UCC Financing Statement between borrower and XXX(#11 on final title). Condition remains for missing a copy of recorded satisfactory UCC-3 termination statement and delivered to the company. | (No Data) | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Mortgage history reports 99 mos. 0x30.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Assets verified total $13,716.32. No funds required to close. Post close reserves $13,716.32. No reserves required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 20 years at current residence.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 25 years same line of work.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower XXX with 25 years at current job.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Qualifying LTV 55.43% below program maximum 70.00%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score 774 above program requirement 700. |
| 43678 | XXXXXX | FL | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | Credit | LTV/CLTV | Active | C | C | CRDLTV3026 | LTV Exceeds Guideline Requirement by at least 5%, but less than 10% | Yes | Per XXX guidelines 65% LTV exceeds max LTV of 60%. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower 2 has been at job for 10 years<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Co-Borrower 2 has been at current residence 18 years. |
| 43678 | XXXXXX | FL | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | Credit | Terms/Guidelines | Active | C | C | CRDTER4631 | Loan parameters do not meet guidelines | Yes | Per XXX guides 2nd homes are not allowed. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower 2 has been at job for 10 years<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Co-Borrower 2 has been at current residence 18 years. |
| 43678 | XXXXXX | FL | (No Data) | ATR/QM: Exempt C B | A | A C B | A | A | Property Valuations | FEMA | Active | B | B | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | Natural Disaster Area, no subsequent inspection since Fema declaration XXX Hurricane XXX | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower 2 has been at job for 10 years<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Co-Borrower 2 has been at current residence 18 years. |
| 45466 | XXXXXX | UT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | A | A C B | A | A | Credit | DTI | Satisfied | C A | C A | CRDDTI187 | Debt Ratio > 50% | No | Reason for variance in Lender DTI and Credit Reviewers is the borrower also receives SS income XXX per award letter, the bank statement shows XXX deposit, appears this is 2 months receipt. Lender used XXX a monthQC: Lender noted that proof of deposit of SS reflected an amount to catch up payments and borrower was to provide proof of XXX to use as income. All evidence in the file supports XXX per award letter. Provide proof borrower is entitle to the XXX. | 1/14/2020: Lender provided exception to utilize 60% of bank statements (Updating exception to manual income docs does not meet guidelines) | 1/14/2020: Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max LTV 65%, borrower LTV 40.10%<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Borrower paid off all consumer credit debt except for 1 account |
| 45466 | XXXXXX | UT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | A | A C B | A | A | Credit | Income/Employment | Active | N/A B | N/A B | CRDINC150 | Income docs do not meet guidelines | No | Per guidelines bank statement analysis is to be completed at a standard 50% expense ratio. Bank statement analysis was completed using a 40% expense ratio. (Lender approved exception to use 40% expense factor per Sr Management) | 01/21/20: Upon further review, expense ratio per guidelines is 50%. 40% ratio used is noted to be approved by Sr Mgmt., this ratio is deemed Non-Material and appropriate grade is applied. Loan can be compensated with LTV of 40. | 01/21/20: Exception remains | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max LTV 65%, borrower LTV 40.10%<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Borrower paid off all consumer credit debt except for 1 account |
| 45466 | XXXXXX | UT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | A | A C B | A | A | Property Valuations | Value | Satisfied | C A | C B | PRVAVALU5249 | Property Value Not Supported | No | XXX AVM dated XXX came in at $XXX ; Lender lowered value, approved by XXX ; using $XXX for value; appraisal came in at $XXX. AVM is outside tolerance of 10%. Lender to provide additional valuation product. | 08/30/2022- BPO received from Clear Capital supporting appraisal value. | 08/30/2022- Exception satisfied. | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Max LTV 65%, borrower LTV 40.10%<br>CFCFS1745: Significant total monthly debt reduction<br> - Clayton Comments: Borrower paid off all consumer credit debt except for 1 account |
| 55924 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | B | B D C A | B | B | Compliance | Documentation | Active | B | B | CMPDOC2500 | Some funds escrowed based on written agreement for completion of improvements to property | No | Lender to provide evidence XXX escrow holdback has been released | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, sixteen (16) years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 741, min 725<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: LTV 32.46%, max 50% |
| 55924 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | B | B D C A | B | B | Credit | Title | Satisfied | C A | C A | CRDTIL100 | Potential title issue | No | Title Commitment, Schedule B-1, Item #6 proof of payment in full for payment of assessments imposed for XXX recorded in Instrument No. XXX; File Contains copy of Home Improvement Contract pg. 136 and lender included payment of $254.83 in proposed PITIA payment but didn't include in LTV (per LAW); Lender to provide evidence paid in full, or copy of subordination agreement or updated title supporting Item #6 has been removed. | 12.2.2021- Lender provided final title policy that reflect that XXX loan is paid thru general and special taxes. | 12.2.2021- Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, sixteen (16) years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 741, min 725<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: LTV 32.46%, max 50% |
| 55924 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | B | B D C A | B | B | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR275 | Completed "Subject To" w/o Completion Cert in File | No | Appraisal Completed "Subject To" w/o Completion Cert in File; Lender to provide 1004D with exterior photos supporting roof replacement/repairs has been completed per Contract Specifications and evidence $45,832 Escrow Hold back has been released. | 02/17/2022 lender provided Inspection & 1004D uploaded | 02/17/2022 Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, sixteen (16) years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 741, min 725<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: LTV 32.46%, max 50% |
| 55924 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | B | B D C A | B | B | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM Dated XXX, Most Recent FSD score 21 outside of approved variance 10. Clayton ordered on behalf of client | 10/15/2021 XXX Desk Review received from Service 1st supporting appraisal value. | 10/15/2021 exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, sixteen (16) years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 741, min 725<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: LTV 32.46%, max 50% |
| 55924 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B C | B | B D C A | B | B | Property Valuations | Property | Satisfied | C A | C A | PRVAPROP177 | Property Issues Indicated | No | 442 COMPLETION CERTIFICATE required for roof repairs. | 02/17/2022 lender provided Inspection & 1004D uploaded | 02/17/2022 Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time at current job, sixteen (16) years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 741, min 725<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: LTV 32.46%, max 50% |
| 61732 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 27.25%, Max 50.00%<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 7 years in their profession.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $21,916.86 or 7.38 mo. PITI, reserves not required due to 75% LTV. |
| 65153 | XXXXXX | PA | (No Data) | ATR/QM: Exempt C | A | A C B | A | A | Property Valuations | Value | Satisfied | C A | C B | PRVAVALU5249 | Property Value Not Supported | No | Collateral Analytics discloses -41.78%, variance with a value of $XXX and the OA value is $XXX. A Desk Review is required. Clayton order on behalf of client | 05/10/2022- XXX Desk Review received from Service 1st supporting appraisal value. | 05/10/2022- Exception satisfied. | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 665 qualifying score. Min required per guidelines is 650. |
| 66919 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D B | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR5355 | Most recent FSD score outside of approved variance | No | AVM datedXXX with an estimated value of $XXX and confidence score of 87. AVM XXX of 13, exceeded max of 10. 7.20.22 Clayton order VRA . | 07/25/2022- XXX Desk Review received from Service 1st supporting appraisal value. | 07/25/2022- Exception satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75%; max allowed per guidelines is 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 779 qualifying score. Min required per guidelines is 750.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is for 37 months when 12 months are required. |
| 66919 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D B | A | A | Property Valuations | Value | Satisfied | C A | C B | PRVAVALU5249 | Property Value Not Supported | No | Collateral Analytics discloses -17.15% variance with a value of XXX , and the OA value is $XXX A Desk review is required. XXX Clayton order VRA . | 07/25/2022- XXX Desk Review received from Service 1st supporting appraisal value. | 07/25/2022- Exception satisfied. | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 75%; max allowed per guidelines is 85%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 779 qualifying score. Min required per guidelines is 750.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage payment history is for 37 months when 12 months are required. |
| 88065 | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | C | B C A | C | B | Compliance | Right of Rescission | Satisfied | B | B | CMPROR1909 | Incorrect ROR Form Used - H8 Form Used in Refinance With Original Creditor | No | Regulation Z designates the H9 rescission form as the form designed for same lender refinance transactions; for this loan the lender is using the H8 form. Regulation Z has language allowing the use of a substantially similar notice. Claytons view has been that an H8 protects the lender and assignee to at least the same extent as an H9, but Clayton recognized that one could think that the mere existence of the H9 takes away the substantially similar notice argument. The majority of U.S. Circuit Courts that have opined on the issue have upheld the use of an H8 in a same-lender refinance; therefore, Clayton grades the use of an H8 form in a same-lender refinance as a level 2/B- Non Material exception in those Circuits that have not decided on this issue. | 2.24.2026 - exception satisfied | 2.24.2026- Exception Satisfied | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 25.97% DTI below maximum allowed per guidelines of 50%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 5.33yrs tenure with current employer<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves of 274,481.97 or 23.9 months PITIA exceed guideline requirement of 9 months |
| 88065 | XXXXXX | MO | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C B | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C B | C B | CMPTRID3970 | TRID - CD: The Partial Payments section of the Loan Disclosures section has all three options selected, no options selected, or an improper combination of selections. | No | Final CD XXX Section: Loan Disclosures, Partial Payments - "May Accept Partial Payments" box is checked as well as "does not accept partial payments". Improper combination of selections. | 3.3.2026- PCCD delivery verified to borrower. Exception Satisfied | 3.3.2026-- Exception Satisfied | Non-Numeric | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 25.97% DTI below maximum allowed per guidelines of 50%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 5.33yrs tenure with current employer<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves of 274,481.97 or 23.9 months PITIA exceed guideline requirement of 9 months |
| 88066 | XXXXXX | MO | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Borrower using less than 10% of available credit<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Reserves required 3 months , borrower has $24,582.77 13.86 Months Reserve<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has no history of late payments |
| 88067 | XXXXXX | DE | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 126 months with 0x30 mortgage payment history exceeds guideline required 12 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 801 Credit score exceeds guidelines of 660. |
| 88068 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C B | C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero Tolerance Fee of $797 due to Title Settlement Closing fee ($675) increase on CD XXX and XXX from the LE, Title Search fee ($75) added on CD XXX , Title Courier fee ($15) increased on CD XXX , and Wire Charge ($32) added on CD XXX. Provide a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower with proof of delivery via tracking method within 60 days of consummation. | 2/24/2026 - received Title Company Preference signed and dated by borrower. Upon further review these fee do not reflect a zero tolerance. | 2/24/2026 - Exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower received $XXX cash in hand at closing + $6,543.82 documented assets = $18,075.21 cash available for reserve - $12,434.73 required reserves = $5,640.48/$4,144.91 PITI = 1.36 additional months reserves.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The DTI is 39.02 and guidelines allow the DTI to be 45%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been XXX employed for 33 years 9 months. |
| 88069 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The HCLTV is 63.62% and guidelines allow the HCLTV to be 80%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post-Closing Assets: $437,714.36 / $3,086.16 = 141.83-months reserves.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has occupied the primary residence for 3 years 1 month |
| 88070 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified credit score 814 exceed min FICO of 720<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $129162.61 71 months reserves |
| 88071 | XXXXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Property Valuations | Appraisal | Satisfied | C A | C A | PRVAAPPR4463 | UCDP - File is missing evidence that appraisal report was successfully submitted to UCDP | No | Missing UCDP | 2.23.2026- Client provided cu/lca. desk review already in file. Exception satisfied | 2.23.2026- Exception Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 22.17% is below maximum allowed of 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 726 credit score exceeds minimum required of 660 for LTV<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Primary borrower has been in the same line of work for 24 years |
| 88072 | XXXXXX | SC | QM: Safe Harbor | QM: Safe Harbor (APOR) | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 779 fico exceeds 660 typical fico.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% LTV is below 85% threshold.<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 derogatory marks |
| 88073 | XXXXXX | GA | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 781 is 61 points above minimum program requirement of 720.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30 for 186 months.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 33.37% is below the guideline maximum of 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $184,460.20/28.99 PITIA which is > guideline minimum. |
| 88074 | XXXXXX | GA | QM: Safe Harbor | QM: Safe Harbor (APOR) | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 no derogatories for 471 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 24.74% LTV below 85% threshold<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 776 fico exceeds 660 minimum<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $2,034,090.01 or 854.21 months PITIA exceed guideline required 3 months x $2,381.24 = $7,143.72. |
| 88075 | XXXXXX | SC | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Missing initial CD. | 02.20.2026 - Initial CD provided. | 02.20.2026 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 678 exceeds minimum of 620<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX employer 6 years 8 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $171,655.24 or 51.48 months PITIA. Required Reserves are $0 |
| 88075 | XXXXXX | SC | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Missing initial CD. | 02.20.2026 - Initial CD provided. | 02.20.2026 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 678 exceeds minimum of 620<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX employer 6 years 8 months<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $171,655.24 or 51.48 months PITIA. Required Reserves are $0 |
| 88076 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A | Credit | Credit/Mtg History | Satisfied | C A | C A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | XXX Auto installment monthly payment of XXX was not accounted for at origination. | 2.23.2026- Client provided business checking account statement document proof of car payment. Exception Satisfied. | 2.23.2026- Exception Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $15,951.25/8.21 PITIA which is > guideline minimum of $0.00.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30 for 158 months.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit line usage ratio of 3.11%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 748 is 28 points above minimum program requirement of 720. |
| 88076 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) C | A | A C | A | A | Credit | DTI | Satisfied | B A | B A | CRDDTI106 | Debt Ratio Exception >5% and <10% | No | DTI 47.64% is 8.06% greater than lender qualifying DTI of 39.58%. Additionally, Current DTI of 47.64% is greater than maximum DTI of 45% for First time homebuyers. | 2.23.2026- Client provided business checking account statement document proof of car payment. Exception Satisfied. | 2.23.2026- Exception Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has $15,951.25/8.21 PITIA which is > guideline minimum of $0.00.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30 for 158 months.<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit line usage ratio of 3.11%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 748 is 28 points above minimum program requirement of 720. |
| 88077 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $30,771.50 or 8.97 months of PITI Required Reserves are $3429.13 X 3 = $10,287.39<br>CFCFS3824: Borrower contributed an additional down payment<br> - Clayton Comments: Guidelines allow up to 80% LTV / CLTV/ HCLTV. Borrower contributed additional down payment for new loan LTV / CLTV/ HCLTV of 47.92%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 791 exceeds minimum of 700 |
| 88078 | XXXXXX | GA | QM: Safe Harbor | QM: Safe Harbor (APOR) | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 694 Credit score exceeds guidelines of 620.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, 18+ years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $647,739.26 or 292.64 months PITI. No reserves required. |
| 88079 | XXXXXX | GA | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) B | B | B A | B | B | Compliance | RESPA | Active | B | B | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | HCO Toolkit in file with no list of providers. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit line usage ratio of 5.84%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 702 is 22 points above minimum program requirement of 680.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $16,720.14 or 10.59 months of PITI.Required PITI reserves are $1,578.71 x 3 months = $4,736.13. |
| 88079 | XXXXXX | GA | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) B | B | B A | B | B | Compliance | RESPA | Active | B | B | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | SPL In file with no delivery date or confirmed receipt date. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit line usage ratio of 5.84%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 702 is 22 points above minimum program requirement of 680.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $16,720.14 or 10.59 months of PITI.Required PITI reserves are $1,578.71 x 3 months = $4,736.13. |
| 88079 | XXXXXX | GA | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) B | B | B A | B | B | Credit | DTI | Active | B | B | CRDDTI105 | Debt Ratio Exception 5% or Less | No | DU approved DTI of 49.53%, review 49.55% due to lender hazard amount of $1,788.96, actual amount per policy $2,009.05. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Credit line usage ratio of 5.84%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 702 is 22 points above minimum program requirement of 680.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $16,720.14 or 10.59 months of PITI.Required PITI reserves are $1,578.71 x 3 months = $4,736.13. |
| 88080 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 800 Credit score exceeds guidelines of 700.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 10 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $19,347.73 or 16.27 months PITI exceed guideline 3 months x $1,189.22 = $3,567.66 required. |
| 88081 | XXXXXX | SC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: B1 has been at their current residence for 7 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 685. Minimum required 640<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: B2 has been in the same profession over 20 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $2,29,567.65 or 147.69 months PITI reserves. Required $137,69829 or 9 months PITI reserves |
| 88082 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves of $237,998.02 or 9.49 mths of PITIA $25,070.65 ($7314.14+$17,756.51) exceed guideline requirement of 6 months<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has been in the same profession over 30 years<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at their current residence for 28 years<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 3.75yrs tenure with current employer<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 144 consecutive months mortgage payment history exceeds 24 month credit review guidelines |
| 88083 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 derogatory mortgage related marks life of credit history<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 750 fico exceeds minimum 660<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 derogatory marks for 48 months |
| 88084 | XXXXXX | SC | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower at current job 20+ years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $94,082.28 or 11.77 months o PITI Required Reserves are $7995.84 X 6 = $47,975.04 = 6 Months<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Current & Prior mortgage payment history shows no late payments in 7 years of reporting |
| 88085 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% LTV is below 90% threshold.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $1,098,123.64 or 146.16 months PITIA. Guideline requires 3 months x $7,512.99 = $22,538.97.<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 derogatory marks<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 801 fico exceeds 660 minimum fico. |
| 88086 | XXXXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: The DTI is 35.10% and guidelines allow the DTI to be 45%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post-Closing Assets: $223,830.88 - $17,918.63 required reserves = $205,912.25/$5,972.57 PITIA = 34.48 additional months reserves. |
| 88087 | XXXXXX | GA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing an updated valuation, CU score of 2.6 | 2/25/2026 - received updated valuation which supports the value. | 2/25/2026 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 813 / 802 exceeds minimum of 700<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Low Credit usage ratio 4.66%<br>CFCFS1750: High potential for increased earnings<br> - Clayton Comments: Borrower's income is not used for qualifying. DSCR program. Subject rent support mortgage expense |
| 88088 | XXXXXX | SC | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) B | A | A B | A | A | Credit | DTI | Active | B | B | CRDDTI105 | Debt Ratio Exception 5% or Less | No | Lender DTI 47.15%, review 47.49% DTI due to lender excluding $23.33 monthly HOA fees. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 9 years 6 months of current self employment.<br>CFCFS1747: Housing expense increase is 10% or less<br> - Clayton Comments: Rental Housing payment $2,510 vs. New mortgage payment $2,628.48, less than 1% increase.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 739 exceeds minimum of 720. |
| 88089 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $63,749.75 or 33.73 PITIA<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0X30 for 240 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 797 is 97 points above program minimum requirement of 700. |
| 88090 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The HCLTV is 40.58% and guidelines allow the HCLTV to be 75%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has occupied the primary residence for 24 years. |
| 88091 | XXXXXX | FL | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Credit | Credit/Mtg History | Active | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing 12 months mortgage history required per guidelines. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: $31,597.29 post closing funds or 11.14 months PITI.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: CLTV is 41.24% max per guidelines is 80%. |
| 88092 | XXXXXX | SC | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 804 is 104 points over guideline requirement of 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $17,612.63 or 10.48 PITIA<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Mortgage payment history 0 X 30 for over 24 months on Primary Residence |
| 88093 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: B: Bonus Income: $2,713.96 YTD + $2,264.72 2024 + $2,098.08 2023 = $7,076.76/36-months = $196.58; however, this income was not used to qualify for the mortgage.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post-Closing Benefits: $65,642.34 - $17,131.96 required reserves = $48,510.38/$2,944.01 PITIA = 16.48 additional months reserves.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been with the employer for 20 years 9 months. |
| 88094 | XXXXXX | SC | (No Data) | ATR/QM: Exempt B | N/A | N/A B | N/A | N/A | Credit | Income/Employment | Active | B | B | CRDINC150 | Income docs do not meet guidelines | No | Asset Depletion is permitted on primary residences and second homes only per XXX NonQM credit guidelines, pg 46. Subject loan is a purchase of an investment property. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0x30 for 269 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 784 is 104 points above minimum program requirement of 680.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has 20 years in current profession. |
| 88095 | XXXXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C B | C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero Percent Tolerance Fee of $114.00 due to increase in Origination fee of $80.00 and Transfer Taz increase of $34 from LE XXX to LE XXX. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. | 2.23.2026- Client provided LE CIC. Exception Satisfied | 2.23.2026- Exception Satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% LTV below 90% maximum<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 752 fico exceeds typical 719 fico required for 80% LTV on product.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 13 years with current employer |
| 88096 | XXXXXX | GA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Provide CDA for DSCR loan. | 2.10.2026- Client provided CDA risk review. Exception Satisfied | 2.10.2026- Exception Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 15.56 months PITI reserves exceed 6 months typically required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 722 fico exceeds minimum 660.<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 - no derogatory marks |
| 88097 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Revolving credit line use at 23%, 77% available<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 773 Credit score exceeds minimum required of 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close reserves of $391,251.15 exceeds 3 month requirement of $10,656 |
| 88098 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 806 Credit score exceeds minimum required of 680<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: Dti ratio is 22% which is below maximum allowed of 45% for a FTHB<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: The borrower has no outstanding monthly debt |
| 88099 | XXXXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D B | D | B D A | D | B | Compliance | Ability to Repay/Qualified Mortgage | Active | D B | D B | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing 6 months asset statements verified within 10 days of Note date for the following assets being used for Asset utilization program; XXX Cash, XXX XXX , XXX . (6+ months verification of the 2 LPL accounts in file). Assets must cover 100% of the loan amount and 60 months of all expenses(Mortgage PITI on all properties and consumer debt) | 2.24.2026- Client provided XXX statements and XXX statements. Must provide 6 most recent asset statements. Please provide May, June, July, August, September of 2025 statements. 3.4.2026- Sr U/W review- asset statements are deemed non-material with compensating factors of 790 fico (min 680), extended time in employer (7 yrs), DTI 32%, considerable assets for reserves 172.84 months $109,759.27 exception non-material, grade B. | 3.4.2026- Exception non-material, grade B. remains active. no further action. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 790 fico exceeds typical 620 required.<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 no derogatory marks<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 80% LTV is below maximum 90% LTV |
| 88100 | XXXXXX | AL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Primary residence mortgage payment history 0 X 30 over 59 months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 795 Credit score exceeds minimum required of 700<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at primary residence for 6 years<br>CFCFS5269: Minimal use of credit<br> - Clayton Comments: Revolving credit line use at 5%, 95% available |
| 88101 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Revolving credit line use at 0%, availability at 100%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 790 credit score exceeds minimum required of 700<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Primary residence mortgage payment history 0 X 30 over 36 months |
| 88102 | XXXXXX | DC | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR4775 | Missing Market Rent Analysis | No | The subject property was a single family attached residence with an ADU or Accessory Dwelling Unit. Per guidelines (XXX NonQM Credit Guidelines dated XXX Version 1.0) properties with ADU's require the market rent for the accessory unit documented on Form 1007, and the file must include a copy of the current lease agreement with two months proof of current receipt. The fil was missing the following: Market rent for the accessory unit documented on Form 1007. Copy of the current lease agreement for the accessory unit and the two months proof of current receipt. The appraiser reflected the current as $7,700 for the entire unit,; however, the breakdown between the larger dwelling and the accessory unit was not reflected in the report. | 2.24.2026- Client provided 1007D and 1004. Market rent per appraisal is unit 1 $2500 Unit 2 $5200, total $7,700. Market rent per 1007 as of 10/31, same form, $7500. Provide correct 1007D.3.2.2026- Client provided corrected 1007D. Exception satisfied | 3.2.2026- Exception Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Qualifying credit score of 771 is higher than minimum credit score of 700 by more than 50 percentage points.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 65% was lower than the maximum of 80% by more than 10 percent.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has maintained a positive 0 x 30 mortgage payment history with no historical delinquencies. |
| 88103 | XXXXXX | NC | (No Data) | ATR/QM: Exempt C | A | A C | A | A | Credit | Insurance | Satisfied | C A | C A | CRDINSR5353 | Insurance Expiration date is prior than the transaction date | No | Policy effective XXX to XXX, note date XXX . Missing master policy renewal. | 2.23.2026- Client provided condo master policy. Exception Satisfied | 2.23.2026- Exception Satisfied | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 7 years, 4 months.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 154 with 0 x 30 Mortgage payment history exceeds guidelines of 12 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 746 Credit score exceeds guidelines of 700. |
| 88104 | XXXXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 70% LTV below guidelines 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 686 fico score exceeds guidelines 620<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: 42% dti max DTI 45% |
| 88105 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at their current home over 25 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 774. Minimum score required 700<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 50.26%. Max 75%. |
| 88106 | XXXXXX | FL | QM: Safe Harbor | QM: Safe Harbor (APOR) D | D | A D | D | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D A | D A | CMPTRID5107 | TRID - Seller CD not in file; need in order to complete fee entry | No | Seller CD not in file; need in order to complete fee entry | 2.23.2026- Client provided final CD with seller fees disclosed. Exception Satisfied | 2.23.2026- Exception Satisfied | Not Applicable | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 42.86% LTV well below 90% LTV threshold.<br>CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 no derogatory marks<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 807 fico exceeds minimum 660 for LTV below 70%. |
| 88107 | XXXXXX | SC | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 718. Minimum required 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $46,621.34 or 29.47 months PITI reserves. Required reserves $4,745.79 or 3 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at their current home over 25 years |
| 88108 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Primary Residence Mortgage Payment history 0 X 30 over 99+ months<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 60.85% is below maximum allowed of 80%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 725 Credit score exceeds minimum required of 700<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 25 years |
| 88109 | XXXXXX | SC | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 3 months reserves required , borrower has 66.20 months reserves. 12 months required for first time investor, approval in file states borrower is an experienced investor therefore 3 months required.<br>CFCFS3834: Borrower does not have any major mortgage related occurrences during the past two years<br> - Clayton Comments: Borrower has no late payments reported in over 74 months<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 12 Month payment history required , 74 months reported. |
| 88110 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C B | C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero Tolerance Fee of $1,660.00 due to increase in Origination Fee from $3,320 on LE XXX to $4,980 on LE XXX . Missing a valid Change of Circumstance for each increase, or Post Close CD, LOX and copy of refund check to borrower. | 2/24/2026 - Received Change of Circumstance dated XXX for Origination Fee increase. | 2/24/2026 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $54,226.22 or 18.17 months PITI reserves. Required $8,952.45 or 3 months<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: The mortgage was reviewed for 47 months with no late payments. 12 months is required<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 723. Minimum score required 680 |
| 88112 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 774 is 74 points of program minimum requirement of 700.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 80%, below max 85%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $332,369.60 or 140.62 PITIA |
| 88113 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified Credit score 814 exceeds program guidelines 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified Cash Reserves $227470 / 48 months reserves required 3 months.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Verified 0x30 days mortgage lates in the past 12 months. |
| 88114 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 23.167yrs tenure with current XXXV employed business<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history with no late pay/derog line items. 789 Median Credit Score, Oldest Trade 11/1998<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 66 consecutive months current mortgage payment history exceeds 24 month guideline review. |
| 88115 | XXXXXX | GA | Non-QM: Lender documented all ATR UW factors | QM: Safe Harbor (APOR) C B | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C B | C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero Tolerance Fee of $118.72 due to discount points fee added on LE XXX. Provide a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower with proof of delivery via tracking method within 60 days of consummation. | 2.20.2026- Client provided disclosure delivery for the LE 12.10. Exception Satisfied | 2.20.2026- Exception Satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 739. Minimum score required 700<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Closing assets $40,113.93 or 18.44 months PITI reserves. No assets or reserves required<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has been at their current residence over 20 years |
| 88116 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS5269: Minimal use of credit<br> - Clayton Comments: Revolving Credit lien use at 20%, 80% available<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 52.56% is below maximum allowed of 80%<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been at current residence for 20 years |
| 88117 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $238,935.70 or 107.63 months PITI exceed 3 months x $2,182.88 = $6,548.64 required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 746 Credit score exceeds guidelines of 700.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: 141 months with 0x30 mortgage payment history exceeds guideline required 12 months. |
| 88118 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has 1,058,912.79 in reserves.<br>CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Borrower has 0x30 last 54 months payment paid on time.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower FICO score is 720 max per guidelines is 700. |
| 88119 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS3824: Borrower contributed an additional down payment<br> - Clayton Comments: Borrower contributed an additional 5% down for 1st time investor. Exception review in file. Matrix allows for 1st time investors with maximum LTV/ HCLTV of 75%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $59,724.51 or 24.76 months of PITI Required Reserves are 12 Months $2412.28 X 12 = $28,947.36<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 717 exceeds minimum of 700 |
| 88120 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: 0x30 for over 60 months, only 1x30 in 2019 on revolving account, zero other derogatory marks.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $5,440.44 or 4.53 months PITIA. No reserves required.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75% LTV exceeds 85% LTV<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 738 fico exceeds 660 minimum |
| 88121 | XXXXXX | NM | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 811 Credit score exceeds guidelines of 720.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 4 years, 6 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $758,177.51 or 199.37 months PITI exceed guideline 3 months x $3,853.02 = $11,559.06. |
| 88122 | XXXXXX | GA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Application | Satisfied | D A | D A | CRDAPP4625 | The orig file does not contain a third party fraud report | No | Missing Fraud Report | 2.24.2026- Client provided XXX report. Exception Satisfied | 2.24.2026- Exception Satisfied | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has been at his current residence over 24 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 756. Minimum required 720<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 64.21%. Max 80% |
| 88122 | XXXXXX | GA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Assets | Satisfied | C A | C A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Missing 2 months bank statements to verify 3 months of PITI reserves | 2.24.2026- Reserves not required. Exception satisfied | 2.24.2026 - Exception Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has been at his current residence over 24 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 756. Minimum required 720<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 64.21%. Max 80% |
| 88122 | XXXXXX | GA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Credit/Mtg History | Satisfied | D A | D A | CRDCRMH149 | Missing support docs for VOM/VOR (e.g. cancelled checks) | No | Missing 12 month housing payment history on subject with XXX Enterprises | 2.24.2026- Client provided VOM. Exception Satisfied | 2.24.2026- Exception Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has been at his current residence over 24 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 756. Minimum required 720<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 64.21%. Max 80% |
| 88122 | XXXXXX | GA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Income/Employment | Satisfied | C A | C A | CRDINC888 | Income Amount is Unsupported by Documentation in File | No | Missing Appraisal Rent schedule showing market rent of $2,000 | 2.24.2026- Client provided 1007D Exception Satisfied | 2.24.2026- Exception Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has been at his current residence over 24 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 756. Minimum required 720<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 64.21%. Max 80% |
| 88122 | XXXXXX | GA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Insurance | Satisfied | D A | D A | CRDINSR2400 | Missing Flood Certification Document | No | Missing the Flood cert | 2.24.2026- Client provided flood cert. Zone X. Exception Satisfied | 2.24.2026- Exception Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has been at his current residence over 24 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 756. Minimum required 720<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 64.21%. Max 80% |
| 88122 | XXXXXX | GA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Title | Satisfied | D A | D A | CRDTIL796 | Missing Title | No | Missing Title | 2.24.2026-Client provided short form title report Exception satisfied | 2.24.2026- Exception Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has been at his current residence over 24 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 756. Minimum required 720<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 64.21%. Max 80% |
| 88122 | XXXXXX | GA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR100 | Missing Appraisal | No | Missing Full appraisal performed on XXX | 2.24.2026- Client provided full appraisal. Exception satisfied | 2.24.2026- Exception Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has been at his current residence over 24 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 756. Minimum required 720<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 64.21%. Max 80% |
| 88123 | XXXXXX | SC | (No Data) | ATR/QM: Exempt C | N/A | N/A C | N/A | N/A | Credit | Insurance | Satisfied | C A | C A | CRDINSR5351 | Insurance Effective date is greater than the transaction date | No | HOI effective date XXX which is after Loan disbursement date of XXX. | 2.10.2026- Client provided HOI statement, no claims made on property. Exception Satisfied | 2.10.2026- Exception Satisfied | Not Applicable | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 779 is 79 points above program minimum requirements of 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets of $2,760,946.74 or 1115.16 PITIA.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Borrower has 0X30 for 300 months. |
| 88124 | XXXXXX | FL | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing an updated valuation to support appraised value, CU score of 4.6 | 2/24/2026 - Received updated valuation which supports the appraised value. | 2/24/2026 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 33 years with current employer.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 25 years and 6 months at current primary residence<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 60% LTV below 80% max |
| 88125 | XXXXXX | SC | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrowers have lived at their current residence over 10 years<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $7,130.28 or 1.90 months PITI reserves. No assets or reserves required<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 688. Minimum score required 660 |
| 88126 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS2860: Good credit history<br> - Clayton Comments: Good payment history use: 0X30, 0X60, 0X90, in 151 months,<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post Close Assets are $44,503.04 or 20.07 months of PITI; Required Reserves are 3 months $2217.51 x 3 = $6652.53<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median credit scores 804 exceeds minimum of 720 |
| 88127 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: 0x30 per VOM 13 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 75% LTV is below 80% max<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 706 Credit score exceeds minimum of 620.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 45.77 months of $1,173.95 PITI in reserves $53,728.16. No reserves required. |
| 88128 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $39,268.64 or 21.92 months PITI reserves. Required $5,375.43 or 3 months<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been XXX employed over 6 years.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 722. Minimum required 700. |
| 88129 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower have 36 months mortgage payment history 0X30.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 725 is 25 points above program minimum requirement of 700.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 70%; guidelines allow 80%. |
| 88130 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Positive mortgage payment history<br> - Clayton Comments: Primary mortgage payment history 0 X 30 over 24+ months<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 804 is 104 points above program minimum requirement of 700.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post close assets are $154,148.58 or 42.82 PITIA |
| 88131 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | D | B D A | D | B | Compliance | Ability to Repay/Qualified Mortgage | Satisfied | D A | D A | CMPATRQM3220 | TILA - Loan subject to Ability to Repay/Qualified Mortgage rule; the loan file is missing documents to complete the ATR/QM review and render an accurate ATR/QM status. | No | Missing asset depletion documentation; status to be reviewed once all ATR documents are provided | 2.23.2026- Client provided asset depletion required statements and ATR disclosure. Exception Satisfied | 2.23.2026- Exception Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower was at their current home for 9 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 765. Minimum score required 660<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $158,739.38 or 18.46 months PITI . Required $52,621.38 or 6 months |
| 88131 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | D | B D A | D | B | Compliance | RESPA | Satisfied | B A | B A | CMPRESPA2698 | RESPA - List of homeowners counseling organizations not in file | No | Missing list of homeowners counseling organizations | 2.23.2026- Client provided disclosed homeowners counseling disclosure. Exception Satisfied | 2.23.2026- Exception Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower was at their current home for 9 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 765. Minimum score required 660<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $158,739.38 or 18.46 months PITI . Required $52,621.38 or 6 months |
| 88131 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | D | B D A | D | B | Compliance | RESPA | Satisfied | B A | B A | CMPRESPA863 | RESPA: Required Affiliate Business Disclosure missing | No | Missing required Affiliate Business Disclosure. | 2.23.2026- Client provided ABA disclosure. Exception Satisfied | 2.23.2026- Exception Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower was at their current home for 9 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 765. Minimum score required 660<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $158,739.38 or 18.46 months PITI . Required $52,621.38 or 6 months |
| 88131 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | D | B D A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C B | C B | CMPTRID3670 | TRID - Zero tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation | No | Zero Tolerance Fee of $140.00 due to addition of Appraisal Desk Review Fee on LE XXX . Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. | 2.23.2026- Client provided initial and lock agreement loan estimates. Fully disclosed. Exception satisfied | 2.23.2026- Exception satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower was at their current home for 9 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 765. Minimum score required 660<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $158,739.38 or 18.46 months PITI . Required $52,621.38 or 6 months |
| 88131 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | D | B D A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C B | C B | CMPTRID3676 | TRID - CD: Ten percent tolerance fee or fees increased at or prior to closing without a valid reason or not timely disclosed; refund required within 60 days of consummation. | No | Ten Percent Tolerance Fee of $70.50 due to missing Loan Estimates to baseline fees. Missing a valid Change of Circumstance, or Post Close CD, LOX and copy of refund check to borrower. | 2.23.2026- Client provided initial and lock agreement loan estimates. Fully disclosed. Exception satisfied | 2.23.2026- Exception Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower was at their current home for 9 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 765. Minimum score required 660<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $158,739.38 or 18.46 months PITI . Required $52,621.38 or 6 months |
| 88131 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | D | B D A | D | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | D A | D A | CMPTRID3494 | TRID - Loan Estimate Missing | No | Missing Loan Estimate(s) from file. | 2.23.2026- Client provided initial LE. Exception Satisfied | 2.23.2026- Exception Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower was at their current home for 9 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 765. Minimum score required 660<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $158,739.38 or 18.46 months PITI . Required $52,621.38 or 6 months |
| 88131 | XXXXXX | GA | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) D B | D | B D A | D | B | Credit | Assets | Satisfied | D A | D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Provide 6 months asset documentation for XXX Bank and XXX XXX accounts used for asset depletion | 2.23.2026- Client provided asset depletion required statements and ATR disclosure. Exception Satisfied - | 2.23.2026- Exception Satisfied | (No Data) | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower was at their current home for 9 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 765. Minimum score required 660<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $158,739.38 or 18.46 months PITI . Required $52,621.38 or 6 months |
| 88132 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | N/A | N/A | N/A | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 752 Credit score exceeds guidelines of 660.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 5 years, 3 months.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $164,420.48 or 93.98 months PITIA exceeds guideline 3 months x $1,749.57 = $5,248.71. |
| 88133 | XXXXXX | FL | QM: Safe Harbor (APOR) | QM: Safe Harbor (APOR) | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been employed for 49 years.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 29 years. |
| 88134 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has 15K in reserves.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has been in current residence for 7 years. |
| 88135 | XXXXXX | TN | (No Data) | ATR/QM: Exempt B | A | A B | A | A | Property Valuations | FEMA | Active | B | B | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | No inspection since FEMA disaster #XXX, severe winter storms declared XXX. | (No Data) | (No Data) | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, 12 years 4 months as an XXX XXX<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $91,377.65 or 18.45 months PITIA exceeds guideline 3 months x $4,951.80 = $14,85.40 required. |
| 88136 | XXXXXX | GA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied | C A | C A | PRVAAPPR4463 | UCDP - File is missing evidence that appraisal report was successfully submitted to UCDP | No | Provide UCDP Report | 2.20.26 CU score provided | 2.20.26 exception satisfiwed | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, 7 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $586,077.70 or 89.36 months PITIA exceed guideline 3 months x $6,392.02 = $19,176.06 required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 739 Credit score exceeds guidelines of 700. |
| 88136 | XXXXXX | GA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing CU/LCA report and/or desk review. | 2.20.2026- Client provided CU and LCA reports. Exception Satisfied | 2.20.2026- Exception Satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: Significant time in profession, 7 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing reserves $586,077.70 or 89.36 months PITIA exceed guideline 3 months x $6,392.02 = $19,176.06 required.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 739 Credit score exceeds guidelines of 700. |
| 88137 | XXXXXX | GA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Application | Satisfied | D A | D A | CRDAPP4625 | The orig file does not contain a third party fraud report | No | Missing Fraud Report | 2.10.2026- Client provided fraud guard report. Exception Satisfied | 2.10.2026- Exception Satisfied | Not Applicable | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $593,170.35 or 246.42 months PITI reserves. Required $7,222 or 3 months PITI reserves<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 3614%. Max 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 801. Minimum score required 680. |
| 88137 | XXXXXX | GA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | DTI | Satisfied | D A | D A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing verification of Property taxes on XXX XXX | 2.10.2026- Client provided property tax detail for XXX . XXX . Exception Satisfied | 2.10.2026- Exception Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $593,170.35 or 246.42 months PITI reserves. Required $7,222 or 3 months PITI reserves<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 3614%. Max 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 801. Minimum score required 680. |
| 88137 | XXXXXX | GA | (No Data) | ATR/QM: Exempt D | A | A D | A | A | Credit | Title | Satisfied | D A | D A | CRDTIL796 | Missing Title | No | Missing Title | 2.10.2026- Client provided short form title policy. Exception Satisfied | 2.10.2026- Exception Satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post closing assets $593,170.35 or 246.42 months PITI reserves. Required $7,222 or 3 months PITI reserves<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 3614%. Max 50%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit Score 801. Minimum score required 680. |
| 88499 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | DTI | Waived | B | B | CRDDTI187 | Debt Ratio > 50% | No | Corrected to DTI of 54.86% exceeds max LTV of 50%. Lender exception approval provided for max LTV of 55%.. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 30.22% is below max LTV of 75%.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history 1x30x134.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been employed for 2 years 10 months. |
| 88500 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide Initial CD with proof of receipt 3 days prior to Closing. | 12.29.25-Client provided Initial CD issued & e-signed XXX. | 12.29.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The HCLTV is 75% and guidelines allow the HCLTV to be 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 763 exceeds guidelines 620. |
| 88500 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide Initial CD with proof of receipt 3 days prior to Closing. | 12.29.25-Client provided Initial CD issued & e-signed XXX. | 12.29.25-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The HCLTV is 75% and guidelines allow the HCLTV to be 85%<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 763 exceeds guidelines 620. |
| 88501 | XXXXXX | NJ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrowers have resided in current owner occupied residence for 38 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX - employed with XXX XXX , Inc DBA XXX Inc for 10 years and 2 months.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower has been XXX - employed with XXX XXX , Inc DBA XXX Inc for10 years and 2 months.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 670 qualifying score. Min required per guidelines is 660.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 31.72%, max per guidelines is 50%.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $152,607.35 or 13.86 months PITI, guidelines required 0 months PITI. |
| 88504 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence 11 years, 3 months.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX employed for 19 years 2 months.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history on credit report 0x30x34. |
| 87879 | XXXXXX | UT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 23 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX employed for 16 years 1 month.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves of $64,101.75 exceed guideline of $0 required reserves. |
| 88507 | XXXXXX | CT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 65% is below max LTV of 70%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Verified 712 FICO score. Minimum required 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 29.327% is below guideline requirement of 43%. |
| 87880 | XXXXXX | NV | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been XXX - employed for 2 years 11 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: The HCLTV is 59.440% and guidelines allow the HCLTV to be 75%<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Post-Closing Assets: $510,846.82/$8,482.48 PITI = 60.22-months reserves. |
| 88511 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 11.11% is below max 50%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has 5 years at current job. |
| 88513 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | C | A D | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide proof of receipt for LE issued XXX | 1.28.26-Client provided proof of receipt for Final LE issued XXX. | 1.28.26-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $325,230.77 No funds required for closing, verified reserves 33.93 months. Reserves required 3 months or $28,754.80.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has been in the same line of work for 15 years<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower have lived at the current residence for 2 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 735 qualifying score. Min required per guidelines is 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 6.63%, max per guidelines is 50%. |
| 88513 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | C | A D | C | A | Credit | Insurance | Satisfied | D A | D A | CRDINSR848 | Missing Hazard Insurance | No | Missing condo master insurance policy. Only the walls in policy was included in the loan file. | 01/27/2026 client provided Condo master policy | 01/27/2026 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $325,230.77 No funds required for closing, verified reserves 33.93 months. Reserves required 3 months or $28,754.80.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: The borrower has been in the same line of work for 15 years<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower have lived at the current residence for 2 years<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 735 qualifying score. Min required per guidelines is 700.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 6.63%, max per guidelines is 50%. |
| 88514 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Verified cash reserves $32,965.40 exceed guidelines $0. |
| 88515 | XXXXXX | IL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Terms/Guidelines | Satisfied | D A | D A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Missing lender's loan approval worksheet form | 2/20/26- Client uploaded ULAW for review. | Exception satisfied | (No Data) | Not Applicable | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history 0x30x21.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been self employed for XXX years 1 month. |
| 88516 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 14.82%, max per guidelines is 40%.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 55%; max allowed per guidelines is 80%.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: 5 Years and 1 months at current residence.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 771 qualifying score. Min required per guidelines is 700. |
| 88517 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | C | B C A | C | B | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C B | C B | CMPTRID3966 | TRID - CD: The Will Not Have an Escrow Account in the CD Loan Disclosures section is selected and both or neither of You declined it and/or Your lender does not offer one are selected | No | Provide clerical error Post Close CD with Escrow Account marked with either You declined it and/or Your lender does not offer one. | 3.12.26-Client provided corrected PCCD issued XXX. | 3.12.26-Exception Satisfied. | Non-Numeric | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 44.20% is below max LTV of 75%<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 11.30% is below max DTI of 50%.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been a XXX business XXX for over 15 years. |
| 88518 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Income/Employment | Waived | B | B | CRDINC2496 | Verbal verification of employment completed outside the stated requirements and/or after closing/funding | No | Per guidelines, a verbal verification of employment will be performed within 72 hours prior to closing. Per HUD, closing was XXX. VVOE provided is dated XXX. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 27.62%, max per guidelines is 40%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 782 qualifying score. Min required per guidelines is 730. |
| 88520 | XXXXXX | OR | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 28.21% below guideline max of 80%.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI is 39.5%, max per guidelines is 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 699 qualifying score. Min required per guidelines is 600. |
| 88521 | XXXXXX | HI | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Terms/Guidelines | Satisfied | D A | D A | CRDTER146 | Missing lender's loan approval/underwriting form | No | Missing updated Loan Approval Worksheet and Conditional Loan Approval. Loan Worksheet and conditional approval reflects DTI of 74.56%. Utilizing most bank statement and rental income for additional unit, Reviewer calculated DTI of 40.16%. Reviewer calculated income of $7,547.10 + rental income of $2,930.40 = $10,477.50. | 2/19/26- Document Uploaded. XXX Lending only uses the actual first payment for all calculations but the system will still display the fully amortized payment. Uploading corrected ULAW and 1003 to include subject rents as a separate income source since our LOS cannot handle a multi-unit primary with rental income. Our DTI is lower due to I/O and using new rents from lease at $3150. | Exception satisfied | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 43.45% is < the maximum LTV of 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 692 is > the minimum credit score of 640.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned the subject property for 20 years. |
| 88522 | XXXXXX | AZ | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has significant time being retired; 15 years 9/mo. |
| 88524 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 753 is > the minimum credit score of 660.<br>CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in the profession for 15 years.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 43.77% is < the maximum DTI of 50%. |
| 88526 | XXXXXX | NV | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3618 | TRID - Corrected CD should have been provided; Change of Product or Product Feature not disclosed at least 3 business days prior to closing | No | Provide proof of receipt for Initial CD issued XXX at least 3 business days prior to closing. | 3.17.26-Client provided Initial CD issued & e-signed XXX | 3.17.26-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 57.69% LTV is below guideline maximum of 70%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX employed for 5 years 9 months. |
| 88526 | XXXXXX | NV | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | C | A C | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3626 | TRID - CD: Loan consummated before end of waiting period | No | Provide proof of receipt for Initial CD issued XXX at least 3 business days prior to closing. | 3.17.26-Client provided Initial CD issued & e-signed XXX. | 3.17.26-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: 57.69% LTV is below guideline maximum of 70%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX employed for 5 years 9 months. |
| 88527 | XXXXXX | NV | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 687 is > the minimum credit score of 660.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $229,437.41. CTC $0 leaves reserves of $229,437.41 or 43.56 mos. Reserves required 0 mos.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 16.10 is < the maximum DTI of 50% |
| 88530 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 16.36% is below guideline requirement 50%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 695 exceeds guidelines 680. |
| 88531 | XXXXXX | UT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | A | A C B | A | A | Credit | Credit/Mtg History | Satisfied | C A | C A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | Provide documentation to support monthly payment of $807 with XXX Heloc with balance of $62,000. | 3/5/26- Documentation uploaded to confirm zero balance | Exception satisfied | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 793 exceeds guidelines 660.<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Borrower has additional bonus income two year average of $55,989.58 monthly not used to qualify.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 36.43% is below guideline requirement of 50%. |
| 88531 | XXXXXX | UT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C B | A | A C B | A | A | Credit | Credit/Mtg History | Waived | B | B | CRDCRMH193 | Length of mortgage/rental history in file does not meet guideline requirement | No | Missing verification of rent payments from 2/2025-9/2025. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score 793 exceeds guidelines 660.<br>CFCFS1749: Additional documented income not used in qualifying<br> - Clayton Comments: Borrower has additional bonus income two year average of $55,989.58 monthly not used to qualify.<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 36.43% is below guideline requirement of 50%. |
| 88532 | XXXXXX | MD | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI 30.76% is below guideline requirement of 50%.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has mortgage payment history 0x30 since 3/2017.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: B1 has been XXX employed at current job for 24 years. |
| 88534 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Assets | Satisfied | D A | D A | CRDAST2670 | Asset documentation is insufficient per guideline requirements | No | Missing proof of receipt of $100,000 gift funds. | 3/5/26- Client uploaded proof of wire transfer for review | Exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 10 years and 0 months in current profession<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Min credit score required 700. Bor credit score 749. |
| 88534 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Income/Employment | Satisfied | C A | C A | CRDINC2488 | Verbal verification of employment missing | No | Missing VOE for W2 employment | 3/5/26- Client uploaded VVOE for review | Exception satisfied | (No Data) | Not Applicable | CFCFS2854: Significant time in profession<br> - Clayton Comments: 10 years and 0 months in current profession<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Min credit score required 700. Bor credit score 749. |
| 88538 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | D | A D | D | A | Compliance | Compliance Manual | Satisfied | D A | D A | CMPMAN2956 | Missing disclosure | No | Provide Application Authorization Document. | 3.2.26-Client provided Application Authorization Document. | 3.2.26-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30 for 339 months.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 38.55%; guidelines allow 65%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: 810 mid score > min required of 600. |
| 88539 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | C | A D | C | A | Compliance | TILA/RESPA Integrated Disclosure | Satisfied | C A | C A | CMPTRID3604 | TRID - Error discovered on Closing Disclosure | No | Final and post close Closing Disclosures are missing the mortgage loan payoff figure on page 3. | 3.19.26-Client provide PCCD issued XXX with PayOff figure updated. | 3.19.26-Exception Satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $21,600.50, None required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for 26 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been XXX employed for 17 years |
| 88539 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | C | A D | C | A | Credit | Application | Satisfied | D A | D A | CRDAPP157 | Application Not Signed by Primary Borrower | No | Missing a signed application from borrower. | 03/26/2026 client provided signed 1003 | 03/26/2026 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $21,600.50, None required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for 26 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been XXX employed for 17 years |
| 88539 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | C | A D | C | A | Credit | Credit/Mtg History | Satisfied | C A | C A | CRDCRMH1805 | Debts/obligations not disclosed/accounted for at origination | No | Provide explanation for REO on XXX XXX that is not in borrowers name but listed on the 1003 application. Borrower LOE with current mortgage statement. | 03/26/2026 client response: ULAW accounting for payment and uploading LOE and mortgage statement. Per UW LOE he pay's mgt for parents shown coming out of bank stmt. Even though he is not liable for debt he is paying the debt. Prop XXX XXX XXX, XXX XXX ; T/I escrowed | 03/26/2026 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $21,600.50, None required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for 26 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been XXX employed for 17 years |
| 88539 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | C | A D | C | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR275 | Completed "Subject To" w/o Completion Cert in File | No | Appraisal in file is subject to inspection to verify water heater straps are installed. No follow up inspection in file. | 03/12/2026 client provided as-is appraisal. | 03/12/2026 Clayton response: as-is appraisal is accepted for this Exception. New Exception added for Missing Updated Valuation on newly provided as-is Appraisal, dated XXX. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $21,600.50, None required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for 26 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been XXX employed for 17 years |
| 88539 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | C | A D | C | A | Property Valuations | Appraisal | Satisfied | D A | D A | PRVAAPPR3116 | Missing updated valuation | No | Missing Updated Valuation on newly provided as-is Appraisal, dated XXX. | 03/12/2026 client provided Desk review | 03/12/2026 exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Total assets verified $21,600.50, None required.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: The borrower has lived at the current residence for 26 years.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: The borrower has been XXX employed for 17 years |
| 88540 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors C | A | A C | A | A | Credit | Assets | Satisfied | C A | C A | CRDAST206 | Asset Amounts Are Unsupported by Documentation in File | No | Gift letter amount number is incomplete and no proof of gift deposit at closing or in account. | 03/18/2026 client provided gift wire to title. | 03/18/2026 exception satisfied | (No Data) | Not Applicable | CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history no lates on credit report.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 742 exceeds min 700.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV 75% is below max 90%. |
| 88544 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 711 exceeds min score requirement of 660.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x24. |
| 88545 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors B | A | A B | A | A | Credit | Assets | Waived | B | B | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Total assets verified $456,213.68. CTC $433,588.45 leaves reserves of $22,625.23 or 1.49 mos. Reserves required 3 mos. | client acknowledged exception | Final grade B | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Credit report with a mortgage rating of 0x30x40.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been with current employer over 10 years |
| 88547 | XXXXXX | TX | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been SE for over 14 years.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Credit report with mortgage rating of 0x30x19. |
| 88548 | XXXXXX | CA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence, 39 years 2 months.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Positive mortgage payment history 0x30x99.<br>CFCFS2860: Good credit history<br> - Clayton Comments: Good credit history 0x30x286.<br>CFCFS1735: Co-Borrower has significant time at current job<br> - Clayton Comments: Co-Borrower 2 has significant time at current job, 29 years 11 months. |
| 88549 | XXXXXX | GA | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI of 40.40% is < the maximum DTI of 50%<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Per VVOE, the borrower has been employed with current employer for 12 years and 9 months with a start date of 5/31/2013.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score of 734 is > the minimum credit score of 660.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned the subject property for 8 years and 3 months. |
| 88553 | XXXXXX | FL | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS2854: Significant time in profession<br> - Clayton Comments: Borrower has been in this line of work in the past: 30 years.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Actual LTV 80% / Max LTV 90%.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Consumer credit show 0x30x99.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower credit score of 742 exceeds min score requirement of 700. |
| 88554 | XXXXXX | UT | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors D | A | A D | A | A | Credit | Income/Employment | Satisfied | D A | D A | CRDINC3204 | Income Documentation Missing | No | Missing the rent estimate amount for departure residence on XXX XXX XXX . | 03/06/26- Client provided rent estimate. | 03/06/26- Satisfied. | (No Data) | Not Applicable | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has mortgage payment history 0x30 since 7/2023.<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: Borrower has been XXX employed for 4 years. |

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## Exhibit 99.05

[MFA 2026-NQM2 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.05 - Schedule 3**

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| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **MFA 2026-NQM2** |
| **Start - End Dates:** | **12/23/2019 - 3/11/2026** |
| **Deal Loan Count:** | **174** |
| **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *174* |
| ***Loans with Conditions:*** | *73* |

---

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Lender Application Date** | **Broker Application Date** | **Initial Securitization Compliance Loan Grade** | **Final Securitization Compliance Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Did Lender Acknowledge Exception at Origination** |
| 87867 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 88418 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 88419 | XXXXXX | XXXXXX C B A | N/A | N/A C B | N/A | N/A | Not Applicable |
| 87869 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 87871 | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 87872 | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | No |
| 88421 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 87873 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 87874 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 88422 | XXXXXX | XXXXXX B A | B | A B | B | A | Not Applicable |
| 88423 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 88425 | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | No |
| 87581 | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | Not Applicable |
| 88426 | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | No |
| 87875 | XXXXXX | XXXXXX C B A | A | A C B | A | A | Yes |
| 87876 | XXXXXX | XXXXXX B A | N/A | N/A B | N/A | N/A | Not Applicable |
| 88428 | XXXXXX | XXXXXX D A | D | A D | D | A | No |
| 88429 | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 87877 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 88431 | XXXXXX | XXXXXX B A | N/A | N/A B | N/A | N/A | No |
| 88432 | XXXXXX | XXXXXX C A | N/A | N/A C | N/A | N/A | Yes |
| 88433 | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| 88434 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 88435 | XXXXXX | XXXXXX B A | N/A | N/A B | N/A | N/A | No |
| 88438 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 88440 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 88441 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 88442 | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 88443 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 88445 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 88448 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 88451 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 88452 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 88453 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 88454 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 88455 | XXXXXX | XXXXXX C A | N/A | N/A C | N/A | N/A | Not Applicable |
| 88458 | XXXXXX | XXXXXX B A | N/A | N/A B | N/A | N/A | Not Applicable |
| 88459 | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| 88461 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 88462 | XXXXXX | XXXXXX D A | N/A | N/A D | N/A | N/A | Not Applicable |
| 88464 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 88465 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 88468 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 88470 | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 88472 | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 88475 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 88476 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 88477 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Yes |
| 88479 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | Not Applicable |
| 88483 | XXXXXX | XXXXXX C A | N/A | N/A C | N/A | N/A | No |
| 88485 | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 88486 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 88487 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 88489 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 88491 | XXXXXX | XXXXXX C B A | A | A C B | A | A | No |
| 88492 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 88493 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 88494 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 88496 | XXXXXX | XXXXXX C A | A | A C | A | A | No |
| 88497 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 88498 | XXXXXX | XXXXXX C B A | C | B C A | C | B | Yes |
| 31769 | XXXXXX | XXXXXX C A | A | A C | A | A | No |
| 43678 | XXXXXX | XXXXXX C B | A | A C B | A | A | Not Applicable |
| 45466 | XXXXXX | XXXXXX C B A | A | A C B | A | A | No |
| 55924 | XXXXXX | XXXXXX D B C A | B | B D C A | B | B | Yes |
| 61732 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 65153 | XXXXXX | XXXXXX C A | A | A C B | A | A | Not Applicable |
| 66919 | XXXXXX | XXXXXX D A | A | A D B | A | A | No |
| 88065 | XXXXXX | XXXXXX C B A | C | B C A | C | B | Not Applicable |
| 88066 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 88067 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 88068 | XXXXXX | XXXXXX C B A | C | B C A | C | B | Not Applicable |
| 88069 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 88070 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 88071 | XXXXXX | XXXXXX C A | A | A C | A | A | No |
| 88072 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 88073 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 88074 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 88075 | XXXXXX | XXXXXX C A | C | A C | C | A | Not Applicable |
| 88076 | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| 88077 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 88078 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 88079 | XXXXXX | XXXXXX B A | B | B A | B | B | Not Applicable |
| 88080 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 88081 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 88082 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 88083 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 88084 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 88085 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 88086 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 88087 | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 88088 | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 88089 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 88090 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 88091 | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 88092 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 88093 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 88094 | XXXXXX | XXXXXX B A | N/A | N/A B | N/A | N/A | Not Applicable |
| 88095 | XXXXXX | XXXXXX C B A | C | B C A | C | B | Not Applicable |
| 88096 | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 88097 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 88098 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 88099 | XXXXXX | XXXXXX D B A | D | B D A | D | B | Not Applicable |
| 88100 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 88101 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 88102 | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 88103 | XXXXXX | XXXXXX C A | A | A C | A | A | No |
| 88104 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 88105 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 88106 | XXXXXX | XXXXXX D A | D | A D | D | A | Not Applicable |
| 88107 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 88108 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 88109 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 88110 | XXXXXX | XXXXXX C B A | C | B C A | C | B | Not Applicable |
| 88112 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 88113 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 88114 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 88115 | XXXXXX | XXXXXX C B A | C | B C A | C | B | Not Applicable |
| 88116 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 88117 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 88118 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 88119 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 88120 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 88121 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 88122 | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 88123 | XXXXXX | XXXXXX C A | N/A | N/A C | N/A | N/A | No |
| 88124 | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 88125 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 88126 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 88127 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 88128 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 88129 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 88130 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 88131 | XXXXXX | XXXXXX D B A | D | B D A | D | B | Not Applicable |
| 88132 | XXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | No |
| 88133 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 88134 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 88135 | XXXXXX | XXXXXX B A | A | A B | A | A | No |
| 88136 | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 88137 | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 88499 | XXXXXX | XXXXXX B A | A | A B | A | A | Yes |
| 88500 | XXXXXX | XXXXXX C A | C | A C | C | A | Not Applicable |
| 88501 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 88504 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 87879 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 88507 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 87880 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 88511 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 88513 | XXXXXX | XXXXXX D A | C | A D | C | A | Not Applicable |
| 88514 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 88515 | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 88516 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 88517 | XXXXXX | XXXXXX C B A | C | B C A | C | B | Yes |
| 88518 | XXXXXX | XXXXXX B A | A | A B | A | A | Not Applicable |
| 88520 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 88521 | XXXXXX | XXXXXX D A | A | A D | A | A | No |
| 88522 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 88524 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 88526 | XXXXXX | XXXXXX C A | C | A C | C | A | Yes |
| 88527 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 88530 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 88531 | XXXXXX | XXXXXX C B A | A | A C B | A | A | No |
| 88532 | XXXXXX | XXXXXX A | A | A | A | A | No |
| 88534 | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |
| 88538 | XXXXXX | XXXXXX D A | D | A D | D | A | Yes |
| 88539 | XXXXXX | XXXXXX D A | C | A D | C | A | Not Applicable |
| 88540 | XXXXXX | XXXXXX C A | A | A C | A | A | Not Applicable |
| 88544 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 88545 | XXXXXX | XXXXXX B A | A | A B | A | A | No |
| 88547 | XXXXXX | XXXXXX A | A | A | A | A | Yes |
| 88548 | XXXXXX | XXXXXX A | A | A | A | A | Yes |
| 88549 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 88553 | XXXXXX | XXXXXX A | A | A | A | A | Not Applicable |
| 88554 | XXXXXX | XXXXXX D A | A | A D | A | A | Not Applicable |

---

## Exhibit 99.05

[MFA 2026-NQM2 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.05 - Schedule 4**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | MFA 2026-NQM2 |
| **Start - End Dates:** | 12/23/2019 - 3/11/2026 |
| **Deal Loan Count:** | 174 |
| **Valuations Summary** |  |
| *Loans In Report:* | *174* |
| *Loans In Report:* |  |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| | | |  |  | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Information** |
| |  |  |  |  | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Automated Valuation Model** | **Desk Review** | **Desk Review** | **Desk Review** | **Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **Second Field Review** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **1004 SFR** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **2055 Ext Only** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **BPO (Broker Price Opinion)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Information** |
| **Loan Number** | **Seller Loan Number** | **Original Balance** | **Sales Price** | **Value For LTV** | **Appraised Date** | **Appraised Value** | **Appraisal Form** | **AVM Vendor Name** | **Confidence Score** | **Review Date** | **Review Value** | **Variance Amount** | **Variance (%)** | **Review Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **AVM Vendor Name** | **AVM FSD** | **Confidence Score** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Other - Valuation Type** | **Report Date - Other** | **Value - Other** | **Variance Amount - Other** | **Variance (%) - Other** | **CU / LCA Score** |
| 87867 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 6.86% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |
| 88418 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |
| 88419 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | -24.17% |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | -24.17% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |
| 87869 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |
| 87871 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | -9.09% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |
| 87872 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |
| 88421 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |
| 87873 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| 87874 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |
| 88422 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |
| 88423 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |
| 88425 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |
| 87581 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |
| 88426 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | -6.57% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |
| 87875 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |
| 87876 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |
| 88428 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |
| 88429 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |
| 87877 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |
| 88431 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |
| 88432 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 88433 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 88434 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |
| 88435 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | -1.39% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 88438 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 88440 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |
| 88441 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 |
| 88442 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |
| 88443 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |
| 88445 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |
| 88448 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |
| 88451 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 88452 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |
| 88453 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |
| 88454 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |
| 88455 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004C Manuf (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | -2.86% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |
| 88458 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |
| 88459 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 88461 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |
| 88462 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |
| 88464 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | -7.29% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |
| 88465 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 88468 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 88470 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 88472 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| 88475 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 88476 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |
| 88477 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |
| 88479 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 88483 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |
| 88485 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 88486 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | -5.56% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |
| 88487 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |
| 88489 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |
| 88491 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |
| 88492 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |
| 88493 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |
| 88494 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |
| 88496 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 88497 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| 88498 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |
| 31769 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | -13.41% | XXXXXX |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |
| 43678 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 4.70% | BPO | XXXXXX | XXXXXX | XXXXXX | 2.35% | XXXXXX | 13.000 | 87.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |
| 45466 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | -19.63% | AVM |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% | AVE - Automated Valuation Estimator | XXXXXX | XXXXXX | XXXXXX | 1.18% | (No Data) |
| 55924 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 8.04% | XXXXXX | 21.000 | 79.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |
| 61732 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 1.55% | XXXXXX | 2.000 | 98.00 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |
| 65153 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | -41.78% | XXXXXX | 10.000 | 90.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |
| 66919 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | -17.15% | XXXXXX | 13.000 | 87.00 | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |
| 88065 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 |
| 88066 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| 88067 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |
| 88068 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.45% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 |
| 88069 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 88070 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 88071 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | -2.27% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 |
| 88072 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |
| 88073 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 |
| 88074 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.12% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 88075 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| 88076 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| 88077 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.4 |
| 88078 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 88079 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 88080 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.2 |
| 88081 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 2.96% |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 |
| 88082 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | -2.89% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 |
| 88083 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |
| 88084 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 |
| 88085 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |
| 88086 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |
| 88087 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | -0.28% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| 88088 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 88089 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 88090 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 88091 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | -3.46% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |
| 88092 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 88093 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.2 |
| 88094 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.7 |
| 88095 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 88096 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 88097 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| 88098 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |
| 88099 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 88100 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 88101 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| 88102 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| 88103 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 88104 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 88105 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| 88106 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 88107 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 |
| 88108 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 88109 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 88110 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| 88112 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |
| 88113 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |
| 88114 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |
| 88115 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| 88116 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |
| 88117 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |
| 88118 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| 88119 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |
| 88120 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | -0.48% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 |
| 88121 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| 88122 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |
| 88123 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.3 |
| 88124 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 |
| 88125 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.6 |
| 88126 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 |
| 88127 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 88128 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |
| 88129 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 88130 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| 88131 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 |
| 88132 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 88133 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 88134 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.2 |
| 88135 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| 88136 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 |
| 88137 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 |
| 88499 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 88500 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 88501 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |
| 88504 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.4 |
| 87879 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |
| 88507 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 87880 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |
| 88511 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 88513 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 88514 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 |
| 88515 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |
| 88516 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |
| 88517 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 88518 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 88520 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 |
| 88521 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |
| 88522 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 88524 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | -1.24% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |
| 88526 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |
| 88527 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |
| 88530 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004C Manuf (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | -1.40% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |
| 88531 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |
| 88532 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | -1.48% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |
| 88534 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |
| 88538 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004C Manuf (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |
| 88539 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004C Manuf (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |
| 88540 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  | XXXXXX | XXXXXX | XXXXXX | 2.70% | Full Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 |
| 88544 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | -10.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |
| 88545 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |
| 88547 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | -5.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |
| 88548 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 |
| 88549 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |
| 88553 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | XXXXXX | 0.00% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (No Data) |
| 88554 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) | XXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |

---

## Exhibit 99.05

[MFA 2026-NQM2 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.05 - Schedule 5**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **MFA 2026-NQM2** |
| **Start - End Dates:** | **12/23/2019 - 3/11/2026** |
| **Deal Loan Count:** | **174** |
| **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** |
| *Loans in Report:* | *174* |

---

---

| | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan Level ATR/QM Status** | **Application Date Prior to 1/10/2014** | **Lender Application Date** | **Broker Application Date** | **GSE Eligible** | **QRM Flag** | **ATR/QM Total Points and Fees** | **Rate Lock Date** | **APR** | **Bwr 1 Employment Indicator** | **Bwr 2 Employment Indicator** | **Bwr 1 Foreign National Indicator** | **Bwr 2 Foreign National Indicator** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Residual Income Analysis in File** | **ATR/QM Residual Income** |
| 87867 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 88418 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 88419 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 87869 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.999 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 87871 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.125 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 87872 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 88421 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | 0 |
| 87873 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.9991 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 87874 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.9991 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 88422 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 88423 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | Unemployed | (No Data) | (No Data) | (No Data) | (No Data) | 0 |
| 88425 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.625 | Unemployed | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | 0 |
| 87581 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 88426 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | 0 |
| 87875 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.999 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 87876 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 88428 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 88429 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 87877 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | Unemployed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 88431 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 88432 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | 0 |
| 88433 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 88434 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | 0 |
| 88435 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 6330 | XXXXXX | 6.875 | Unemployed | Unemployed | (No Data) | U.S. Citizen | No | (No Data) | 0 |
| 88438 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 88440 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | Unemployed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 88441 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 88442 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.999 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 88443 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.375 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 88445 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 88448 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 88451 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.999 | Unemployed | Unemployed | Non-Resident Alien | U.S. Citizen | (No Data) | (No Data) | 0 |
| 88452 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 88453 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | 0 |
| 88454 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.9934 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 88455 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 88458 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 0 | Unemployed | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | 0 |
| 88459 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.9991 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 88461 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | Unemployed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 88462 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | 0 |
| 88464 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 88465 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 88468 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.5 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 88470 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 88472 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 88475 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.75 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 88476 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.9991 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 88477 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 88479 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 0 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 88483 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 88485 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 10.9989 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 88486 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 88487 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 88489 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 88491 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.25 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 88492 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.9991 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 88493 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.375 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 88494 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 88496 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 88497 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 88498 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 32677 | XXXXXX | 8.5758 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 56076.29 |
| 31769 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 7545 | XXXXXX | 5.6795 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 2556.77 |
| 43678 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 2657.2 | XXXXXX | 6.4504 | Employed | Employed | Non-Resident Alien | Non-Resident Alien | Yes | (No Data) | 0 |
| 45466 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 9315 | XXXXXX | 7.749 | Employed | (No Data) | U.S. Citizen | (No Data) | No | No | 2810.37 |
| 55924 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 6360 | XXXXXX | 4.0215 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 5117.98 |
| 61732 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 14643.75 | XXXXXX | 4.622 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 8115.03 |
| 65153 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 7987.5 | XXXXXX | 7.1251 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 66919 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 24035.92 | XXXXXX | 6.1424 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 12640.94 |
| 88065 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 0 | XXXXXX | 6.8855 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 88066 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 995 | XXXXXX | 6.8079 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 2968.66 |
| 88067 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 6579.2 | XXXXXX | 7.0268 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 88068 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 6795 | XXXXXX | 7.0208 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 88069 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.99 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 88070 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 88071 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 7965.18 | XXXXXX | 7.811 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 88072 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1675 | XXXXXX | 6.6576 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 88073 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 9487.5 | XXXXXX | 7.122 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 88074 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 3575 | XXXXXX | 6.7141 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 23241.92 |
| 88075 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 5545 | XXXXXX | 7.0351 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 88076 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 3752.5 | XXXXXX | 7.106 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 88077 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.625 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 88078 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 4015 | XXXXXX | 7.5828 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 88079 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | Yes | Yes | 4120.65 | XXXXXX | 7.2519 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 88080 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.99 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 88081 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 22275 | XXXXXX | 7.11 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 88082 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 15522.5 | XXXXXX | 6.8699 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 88083 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.4058 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 88084 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 11620 | XXXXXX | 7.5012 | Employed | Retired | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 88085 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 11292 | XXXXXX | 6.8542 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 88086 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 3000 | XXXXXX | 7.4185 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 5077.74 |
| 88087 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 88088 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 6480.4 | XXXXXX | 7.3027 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 88089 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.2234 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 88090 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 88091 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| 88092 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 88093 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 7.25 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 88094 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | Yes | No | 0 | XXXXXX | 6.99 | Unemployed | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 88095 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 14019 | XXXXXX | 6.8768 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 88096 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 88097 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.625 | Unemployed | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 |
| 88098 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 3500 | XXXXXX | 6.9489 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 88099 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 5245 | XXXXXX | 7.0599 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 88100 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.625 | Unemployed | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 |
| 88101 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 |
| 88102 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 88103 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 88104 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 4116 | XXXXXX | 6.8686 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 88105 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.9848 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 88106 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 1625 | XXXXXX | 6.3335 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 88107 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 88108 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 |
| 88109 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 88110 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 6480 | XXXXXX | 6.9055 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 88112 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 88113 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 88114 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 9366 | XXXXXX | 7.1138 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 88115 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 3695 | XXXXXX | 7.0937 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| 88116 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | Unemployed | (No Data) | (No Data) | (No Data) | (No Data) | 0 |
| 88117 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.2352 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 88118 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 88119 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 88120 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.99 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 88121 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 88122 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1063 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 88123 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 88124 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.99 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 88125 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.99 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 88126 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 88127 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 88128 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 88129 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 88130 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.625 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| 88131 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 12375 | XXXXXX | 6.871 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 88132 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.49 | Unemployed | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | 0 |
| 88133 | QM: Safe Harbor (APOR) | No | XXXXXX | XXXXXX | No | Yes | 3322 | XXXXXX | 7.1281 | Retired | Employed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 88134 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.49 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 88135 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 88136 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 88137 | ATR/QM: Exempt | No | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| 88499 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 7525 | XXXXXX | 9.7606 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 3129.67 |
| 88500 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 4534.38 | XXXXXX | 8.3423 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | No | 0 |
| 88501 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 23163.75 | XXXXXX | 8.6074 | Employed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 34187.84 |
| 88504 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 30900 | XXXXXX | 7.7993 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 550392.54 |
| 87879 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 13750 | XXXXXX | 7.6352 | Employed | Unemployed | Non-Resident Alien | Non-Resident Alien | (No Data) | Yes | 64101.74 |
| 88507 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 7272.09 | XXXXXX | 7.2871 | Unemployed | Employed | U.S. Citizen | Non-Permanent Resident Alien | (No Data) | Yes | 7514.72 |
| 87880 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 12750 | XXXXXX | 6.868 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 64889.7 |
| 88511 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 16801.12 | XXXXXX | 8.1317 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | Yes | 51823.64 |
| 88513 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 17890 | XXXXXX | 7.2718 | Unemployed | Employed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 331735.04 |
| 88514 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 41700 | XXXXXX | 7.4796 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | No | 0 |
| 88515 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 8907.5 | XXXXXX | 8.2664 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | Yes | 5805.93 |
| 88516 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 11972.5 | XXXXXX | 6.543 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | No | Yes | 60760.87 |
| 88517 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 13750 | XXXXXX | 7.1186 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | Yes | 120705.6 |
| 88518 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 9793.75 | XXXXXX | 6.6417 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 11582.91 |
| 88520 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 7862.5 | XXXXXX | 7.044 | Employed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | Yes | 2951.33 |
| 88521 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 8790 | XXXXXX | 6.8265 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 6023.86 |
| 88522 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 9351.2 | XXXXXX | 7.7385 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 3218.51 |
| 88524 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 14755 | XXXXXX | 7.0406 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | Yes | 6435.4 |
| 88526 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 7295 | XXXXXX | 10.2366 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 4826.36 |
| 88527 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 14420 | XXXXXX | 7.62 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 34273.27 |
| 88530 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 12661.5 | XXXXXX | 7.8333 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 23345.55 |
| 88531 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 16071.44 | XXXXXX | 7.7722 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 39026.88 |
| 88532 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 11317 | XXXXXX | 6.559 | Employed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | Yes | 18751.56 |
| 88534 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 15335 | XXXXXX | 6.9321 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 8962.87 |
| 88538 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 10489.35 | XXXXXX | 7.1756 | Retired | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 8372.7 |
| 88539 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 7020 | XXXXXX | 7.4383 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 23756.22 |
| 88540 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 5669.38 | XXXXXX | 6.9614 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 1897.2 |
| 88544 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 6388.38 | XXXXXX | 7.7395 | Employed | Employed | Permanent Resident Alien | Permanent Resident Alien | (No Data) | Yes | 3848.02 |
| 88545 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 38590 | XXXXXX | 6.7159 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 16419.34 |
| 88547 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 24214.5 | XXXXXX | 8.3856 | Employed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 33080.64 |
| 88548 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 16277.5 | XXXXXX | 6.7572 | Retired | Retired | U.S. Citizen | U.S. Citizen | (No Data) | Yes | 8152.47 |
| 88549 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 27392.6 | XXXXXX | 6.9125 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 11692.04 |
| 88553 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 8530 | XXXXXX | 7.1838 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 6041.12 |
| 88554 | Non-QM: Lender documented all ATR UW factors | No | XXXXXX | XXXXXX | No | No | 6509.12 | XXXXXX | 7.6207 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | Yes | 20192.61 |

---

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

## Exhibit 99.05

[MFA 2026-NQM2 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.05 - Schedule 6**

---

| | |
|:---|:---|
| **Client Name:** | |
| **Client Project Name:** | **MFA 2026-NQM2** |
| **Start - End Dates:** | **12/23/2019 - 3/11/2026** |
| **Deal Loan Count:** | **174** |
| **ATR QM Upload** |  |
| Loans in Report: | 174 |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | 82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | 92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | 100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | 109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 242 | 243 | 244 | 245 | 246 | 247 | 248 |
| **Loan Number** | **Deal** | **Seller Loan Number** | **Original Principal Balance** | **State** | **Loan Level ATR/QM Status** | **Verification Safe Harbor (VSH)?** | **Lender Provided ATR/QM Worksheet** | **Initial Lender ATR/QM Status** | **Application Date** | **Borrower 1 Citizenship** | **Borrower 2 Citizenship** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Occupancy** | **Property Type** | **Number of Units** | **Loan Type** | **Exempt Loan Product Type** | **Exempt Loan Housing Agency** | **Community Housing Development** | **Credit Under Economic Stabilization Act Of 2008** | **Refinance Of Non-Standard Mortgage** | **Higher Priced Covered Transaction** | **State Prepay Exceptions** | **Loan Purpose** | **Loan Term Exceeds 30 Years** | **Interest Only Feature** | **Negative Amortization** | **Balloon Payment** | **Prepay Penalty Flag** | **Prepayment Penalty Type** | **Prohibited Prepayment Penalty** | **Exceeds Points And Fees** | **Exceeds DTI Limit** | **Lien Position** | **APR** | **QM Calculated DTI Adherence** | **QM Lenders DTI Adherence** | **QM Fee Adherence - Total Charges %** | **QM Fee Adherence - Lenders Fee %** | **Fannie Mae Eligible** | **Freddie Mac Eligible** | **VA Guaranty Eligible** | **FHA Insured Eligible** | **USDA Guarantee Eligible** | **Rural Housing Service Insured Eligible** | **QM - Expected Income Or Assets For DTI** | **QM - Current Employment Status For DTI** | **QM - Monthly Payment On Subject Loan For DTI** | **QM - Monthly Payment On Additional Loan For DTI** | **QM - Monthly Payment Mortgage Related Obligations** | **QM - Current Debt Obligations Alimony and Child Support for DTI** | **QM - Monthly DTI Ratio Or Residual Income** | **One or more Verification Safe Harbor Guidelines used?** | **Current/Reasonably Expected Income or Assets per Guideline used?** | **Current Debt Obligations, Alimony & Child Support per Guideline used?** | **Monthly DTI (includes monthly payment on subject loan and simultaneous loans)** | **Monthly Residual Income per guideline used?** | **Compensating Factors used for QM determination documented before closing?** | **ATR - Guidelines Provided to Document Approach** | **ATR - Current And Expected Income And Assets** | **ATR - Current Employment Status** | **ATR - Mortgage Payment Obligation** | **ATR - Mortgage Payment on Simultaneous Transaction** | **ATR - Payment For Mortgage Related Obligations** | **ATR - Debt Obligations Including Alimony and Child Support** | **ATR - Monthly DTI Ratio or Residual Income** | **ATR - Consumer Credit History** | **ATR Lenders - DTI (Back)** | **ATR Calculated DTI (Back)** | **QM Lender Value DTI (Back)** | **QM Calculated DTI (Back)** | **Initial DTI (Back)** | **DTI Qualifying (Back)** | **Residual Income Analysis in File** | **Residual Income Guidelines** | **Did Loan Meet Guidelines** | **Residual Income Amount** | **Asset Depletion** | **Asset Depletion Months Amortized** | **Asset Utilization** | **Partial Asset Depletion** | **Short Sale** | **Short Sale Date** | **Deed In Lieu** | **Deed In Lieu Date** | **QRM Flag** | **Borrower 2 Guarantor Flag** | **Borrower 2 Personal Guaranty Recourse to Borrower** | **Borrower 3 Guarantor Flag** | **Borrower 3 Personal Guaranty Recourse to Borrower** | **Borrower 4 Guarantor Flag** | **Borrower 4 Personal Guaranty Recourse to Borrower** | **Borrower 1 Paystub Flag** | **Borrower 1 Paystub Number of Months** | **Borrower 2 Paystub Flag** | **Borrower 2 Paystub Number of Months** | **Borrower 3 Paystub Flag** | **Borrower 3 Paystub Number of Months** | **Borrower 4 Paystub Flag** | **Borrower 4 Paystub Number of Months** | **Borrower 1 W2 Flag** | **Borrower 1 W2 Number of Months** | **Borrower 2 W2 Flag** | **Borrower 2 W2 Number of Months** | **Borrower 3 W2 Flag** | **Borrower 3 W2 Number of Months** | **Borrower 4 W2 Flag** | **Borrower 4 W2 Number of Months** | **Borrower 1 Personal Tax Return Flag** | **Borrower 1 Personal Tax Return Number of Months** | **Borrower 2 Personal Tax Return Flag** | **Borrower 2 Personal Tax Return Number of Months** | **Borrower 3 Personal Tax Return Flag** | **Borrower 3 Personal Tax Return Number of Months** | **Borrower 4 Personal Tax Return Flag** | **Borrower 4 Personal Tax Return Number of Months** | **Borrower 1 Business Tax Return Flag** | **Borrower 1 Business Tax Return Number of Months** | **Borrower 2 Business Tax Return Flag** | **Borrower 2 Business Tax Return Number of Months** | **Borrower 3 Business Tax Return Flag** | **Borrower 3 Business Tax Return Number of Months** | **Borrower 4 Business Tax Return Flag** | **Borrower 4 Business Tax Return Number of Months** | **Borrower 1 Verbal VOE Flag** | **Borrower 1 Verbal VOE Number of Months** | **Borrower 2 Verbal VOE Flag** | **Borrower 2 Verbal VOE Number of Months** | **Borrower 3 Verbal VOE Flag** | **Borrower 3 Verbal VOE Number of Months** | **Borrower 4 Verbal VOE Flag** | **Borrower 4 Verbal VOE Number of Months** | **Borrower 1 Written VOE Flag** | **Borrower 1 Written VOE Form** | **Borrower 1 Written VOE Number of Months** | **Borrower 2 Written VOE Flag** | **Borrower 2 Written VOE Form** | **Borrower 2 Written VOE Number of Months** | **Borrower 3 Written VOE Flag** | **Borrower 3 Written VOE Form** | **Borrower 3 Written VOE Number of Months** | **Borrower 4 Written VOE Flag** | **Borrower 4 Written VOE Form** | **Borrower 4 Written VOE Number of Months** | **Borrower 1 P&L Flag** | **Borrower 1 P&L Prepared By** | **Borrower 1 P&L Number of Months** | **Borrower 2 P&L Flag** | **Borrower 2 P&L Prepared By** | **Borrower 2 P&L Number of Months** | **Borrower 3 P&L Flag** | **Borrower 3 P&L Prepared By** | **Borrower 3 P&L Number of Months** | **Borrower 4 P&L Flag** | **Borrower 4 P&L Prepared By** | **Borrower 4 P&L Number of Months** | **Borrower 1 Lease Agreement Flag** | **Borrower 1 Lease Agreement Number of Months** | **Borrower 2 Lease Agreement Flag** | **Borrower 2 Lease Agreement Number of Months** | **Borrower 3 Lease Agreement Flag** | **Borrower 3 Lease Agreement Number of Months** | **Borrower 4 Lease Agreement Flag** | **Borrower 4 Lease Agreement Number of Months** | **Equity Income Flag** | **Equity Income Amount** | **Equity Income Number of Months** | **Cross Collateralized Loan?** | **Is the Loan a Short-Term Rental?** | **DSCR with Rent Schedule Flag** | **DSCR with Rent Schedule Income Amount** | **DSCR with Lease Agreement Flag** | **DSCR with Lease Agreement Income Amount** | **DSCR %** | **DSCR Method Used** | **Borrower 1 CPA Letter with Income Flag** | **Borrower 1 CPA Letter with Income Number of Months** | **Borrower 1 CPA Letter without Income Flag** | **Borrower 1 CPA Letter without Income Number of Months** | **Borrower 2 CPA Letter with Income Flag** | **Borrower 2 CPA Letter with Income Number of Months** | **Borrower 2 CPA Letter without Income Flag** | **Borrower 2 CPA Letter without Income Number of Months** | **Borrower 3 CPA Letter with Income Flag** | **Borrower 3 CPA Letter with Income Number of Months** | **Borrower 3 CPA Letter without Income Flag** | **Borrower 3 CPA Letter without Income Number of Months** | **Borrower 4 CPA Letter with Income Flag** | **Borrower 4 CPA Letter with Income Number of Months** | **Borrower 4 CPA Letter without Income Flag** | **Borrower 4 CPA Letter without Income Number of Months** | **Borrower 1 Personal Bank Statements Flag** | **Borrower 1 Personal Bank Statements Number of Months** | **Borrower 2 Personal Bank Statements Flag** | **Borrower 2 Personal Bank Statements Number of Months** | **Borrower 3 Personal Bank Statements Flag** | **Borrower 3 Personal Bank Statements Number of Months** | **Borrower 4 Personal Bank Statements Flag** | **Borrower 4 Personal Bank Statements Number of Months** | **Borrower 1 Business Bank Statements Flag** | **Borrower 1 Business Bank Statements Number of Months** | **Borrower 2 Business Bank Statements Flag** | **Borrower 2 Business Bank Statements Number of Months** | **Borrower 3 Business Bank Statements Flag** | **Borrower 3 Business Bank Statements Number of Months** | **Borrower 4 Business Bank Statements Flag** | **Borrower 4 Business Bank Statements Number of Months** | **Borrower 1 Award Letter Flag** | **Borrower 1 Award Letter Number of Months** | **Borrower 2 Award Letter Flag** | **Borrower 2 Award Letter Number of Months** | **Borrower 3 Award Letter Flag** | **Borrower 3 Award Letter Number of Months** | **Borrower 4 Award Letter Flag** | **Borrower 4 Award Letter Number of Months** | **Borrower 1 Offer Letter Flag** | **Borrower 1 Offer Letter Number of Months** | **Borrower 2 Offer Letter Flag** | **Borrower 2 Offer Letter Number of Months** | **Borrower 3 Offer Letter Flag** | **Borrower 3 Offer Letter Number of Months** | **Borrower 4 Offer Letter Flag** | **Borrower 4 Offer Letter Number of Months** | **Borrower 1 IRS Transcripts - Tax Returns Flag** | **Borrower 1 IRS Transcripts - Tax Returns Number of Months** | **Borrower 1 IRS Transcripts - W2s Flag** | **Borrower 1 IRS Transcripts - W2s Number of Months** | **Borrower 2 IRS Transcripts - Tax Returns Flag** | **Borrower 2 IRS Transcripts - Tax Returns Number of Months** | **Borrower 2 IRS Transcripts - W2s Flag** | **Borrower 2 IRS Transcripts - W2s Number of Months** | **Borrower 3 IRS Transcripts - Tax Returns Flag** | **Borrower 3 IRS Transcripts - Tax Returns Number of Months** | **Borrower 3 IRS Transcripts - W2s Flag** | **Borrower 3 IRS Transcripts - W2s Number of Months** | **Borrower 4 IRS Transcripts - Tax Returns Flag** | **Borrower 4 IRS Transcripts - Tax Returns Number of Months** | **Borrower 4 IRS Transcripts - W2s Flag** | **Borrower 4 IRS Transcripts - W2s Number of Months** | **Borrower 1 Income Doc Type Summary** | **Borrower 2 Income Doc Type Summary** | **Borrower 3 Income Doc Type Summary** | **Borrower 4 Income Doc Type Summary** | **Borrower 1 Documentation Used to Determine Legal Residency** | **Borrower 2 Documentation Used to Determine Legal Residency** | **Borrower 3 Documentation Used to Determine Legal Residency** | **Borrower 4 Documentation Used to Determine Legal Residency** |
| 87867 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.3750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 47 | 0 | 47 | 47 | 47 | (No Data) | (No Data) | (No Data) | 21536.55 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | Yes | 1 | Yes | 1 | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Paystub - 1 months;<br> W2 - 12 months | Paystub - 1 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88418 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.1251 | Yes | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 17.78 | 0 | 17.78 | 17.78 | 17.78 | (No Data) | (No Data) | (No Data) | 129324.61 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88419 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 7.5000 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2985.57 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4000.00 | No | (No Data) | 1.3397 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 87869 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% UPB if amt ppd in 12 mos > 20% OPB | (No Data) | Yes | Yes | 1 | 6.9990 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5543.96 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 87871 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | XXXXXX | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 8.1250 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1852.94 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3000.00 | No | (No Data) | 1.6190 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 87872 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | XXXXXX | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos if amt prepd is >20% of UPB | (No Data) | Yes | Yes | 1 | 7.6250 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1760.4 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2975.00 | No | (No Data) | 1.6899 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88421 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Non-Resident Alien | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3562.16 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2850.00 | No | (No Data) | 0.8000 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 87873 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.9991 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3812.3 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4000.00 | No | (No Data) | 1.0492 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 87874 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | XXXXXX | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% UPB if amt ppd in 12 mos > 20% OPB | (No Data) | Yes | Yes | 1 | 7.9991 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1184.29 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2200.00 | No | (No Data) | 1.8576 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88422 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 6.3750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7152.59 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 9000.00 | 1.2582 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88423 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 7.1251 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5353.95 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 7074.00 | No | (No Data) | 1.3212 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88425 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Non-Resident Alien | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 6.6250 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4124.24 | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | No | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | Yes | 7074.00 | No | (No Data) | 1.7152 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 87581 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | XXXXXX | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of Amt PPPD if Amt PPD > 20% of OPB | (No Data) | No | Yes | 1 | 6.8750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3980.19 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | Yes | Full Recourse | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4650.00 | No | (No Data) | 1.1682 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) |
| 88426 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Non-Resident Alien | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 7.1251 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1023.63 | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | Yes | No Recourse | Yes | No Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1325.00 | No | (No Data) | 1.2944 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 87875 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Permanent Resident Alien | (No Data) | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9990 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3624.01 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3800.00 | No | (No Data) | 1.0485 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 87876 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | XXXXXX | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.3750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3398.88 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4800.00 | No | (No Data) | 1.4122 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88428 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Investor | XXXXXX | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5902.79 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 7000.00 | No | (No Data) | 1.1858 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | Employment Authorization Document | (No Data) | (No Data) | (No Data) |
| 88429 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | Yes | Yes | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.3750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6156.28 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 87877 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Permanent Resident Alien | Permanent Resident Alien | (No Data) | Investor | XXXXXX | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.8750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3614.85 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 5400.00 | No | (No Data) | 1.4938 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | Green Card | Green Card | (No Data) | (No Data) |
| 88431 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | XXXXXX | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.5000 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2839.92 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4000.00 | No | (No Data) | 1.4084 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88432 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Non-Resident Alien | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 6.7500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3671.33 | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3750.00 | No | (No Data) | 1.0214 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88433 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.7500 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2660.18 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3500.00 | No | (No Data) | 1.3157 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88434 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Non-Resident Alien | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -11787.39 | No | 0 | (No Data) | No | Not Applicable | (No Data) | Not Applicable | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88435 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | No | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 6.8750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2533.39 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2500.00 | No | (No Data) | 0.9868 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88438 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 6.8750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1013.7 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1450.00 | No | (No Data) | 1.4304 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88440 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 6.8750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3380.54 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3500.00 | No | (No Data) | 1.0353 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | Other | Other | (No Data) | (No Data) |
| 88441 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Permanent Resident Alien | (No Data) | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 6.7500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1615.27 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 2300.00 | 1.4239 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 88442 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 6.9990 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2343.57 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2600.00 | No | (No Data) | 1.1094 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88443 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | XXXXXX | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 6.3750 | Yes | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 37.75 | 0 | 37.75 | 37.75 | 37.75 | (No Data) | (No Data) | (No Data) | 13241.66 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88445 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.8751 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6302.31 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4000.00 | No | (No Data) | 0.6346 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88448 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% UPB if amt ppd in 12 mos > 20% OPB | (No Data) | Yes | Yes | 1 | 7.8751 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 46.33 | 0 | 46.33 | 46.33 | 46.33 | (No Data) | (No Data) | (No Data) | 12533.62 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88451 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Resident Alien | U.S. Citizen | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 6.9990 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1949.61 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2675.00 | No | (No Data) | 1.3720 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88452 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.5000 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 50.01 | 0 | 50.01 | 50.01 | 50.01 | (No Data) | (No Data) | (No Data) | 13135.48 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 12 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 12 months;<br> Written VOE - 12 months | Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88453 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Non-Resident Alien | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -13139.35 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 12000.00 | No | (No Data) | 0.9132 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88454 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | XXXXXX | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 6.9934 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3532.01 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 5400.00 | No | (No Data) | 1.5288 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88455 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 6.8750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1085.77 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1550.00 | No | (No Data) | 1.4275 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88458 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Non-Resident Alien | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | (No Data) | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2423.06 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2800.00 | No | (No Data) | 1.1555 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88459 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Resident Alien | (No Data) | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | Yes | No | No | Yes | 3% of UPB if amt prepd >20% of OPB | (No Data) | No | Yes | 1 | 7.9991 | No | No | 2.4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4648.81 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88461 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.7501 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1611.17 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1900.00 | No | (No Data) | 1.1792 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | Employment Authorization Document | Other | (No Data) | (No Data) |
| 88462 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Permanent Resident Alien | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 7.2500 | Yes | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 9.63 | 0 | 9.63 | 9.63 | 9.63 | (No Data) | (No Data) | (No Data) | 121654.2 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 180 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 180 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) |
| 88464 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | XXXXXX | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3% of Amt PPPD if Amt PPD > 20% of OPB | (No Data) | No | Yes | 1 | 7.6250 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3269.39 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3650.00 | No | (No Data) | 1.1164 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88465 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Resident Alien | (No Data) | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 7.2500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2385.06 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2600.00 | No | (No Data) | 1.0901 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88468 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 3% of UPB if amt prepd >20% of OPB | (No Data) | No | Yes | 1 | 6.5000 | No | No | 2.4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3350.99 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 3360.00 | 1.0026 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88470 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 7.5000 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 49.49 | 0 | 49.49 | 49.49 | 49.49 | (No Data) | (No Data) | (No Data) | 9260.89 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | FMNA 1005 | 23 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> Written VOE - 23 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88472 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 6.6250 | Yes | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 36.99 | 0 | 36.99 | 36.99 | 36.99 | (No Data) | (No Data) | (No Data) | 93331.77 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 48 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 48 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88475 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 8.7500 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1042.58 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1200.00 | No | (No Data) | 1.1509 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | Other | (No Data) | (No Data) | (No Data) |
| 88476 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.9991 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1674.88 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1700.00 | No | (No Data) | 1.0149 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88477 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | XXXXXX | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.3750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2466.13 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2950.00 | No | (No Data) | 1.1962 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88479 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Rate and Term Refi | No | Yes | No | No | Yes | 5% of amt prepd >20% OPB | (No Data) | Yes | Yes | 1 | (No Data) | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1996.21 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1975.00 | No | (No Data) | 0.9893 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88483 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | XXXXXX | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | Yes | 3% of Amt PPPD if Amt PPD > 20% of OPB | (No Data) | No | Yes | 1 | 7.2500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7051.17 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 8800.00 | No | (No Data) | 1.2480 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88485 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 10.9989 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1391.78 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1400.00 | No | (No Data) | 1.0059 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88486 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | XXXXXX | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 6.3750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5787.41 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 6112.00 | No | (No Data) | 1.0560 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88487 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | XXXXXX | 2 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 6.7500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2051.72 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2400.00 | No | (No Data) | 1.1697 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88489 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 8.8750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -8889.87 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88491 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% UPB if amt ppd in 12 mos > 20% OPB | (No Data) | Yes | Yes | 1 | 6.2500 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3394.4 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3400.00 | No | (No Data) | 1.0016 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88492 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.9991 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1219.48 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 1385.00 | 1.1357 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88493 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of UPB if amt ppd in 12 mos > 20% OPB | (No Data) | No | Yes | 1 | 6.3750 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2609.35 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3040.00 | No | (No Data) | 1.1650 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88494 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | XXXXXX | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 6.7500 | No | No | 3 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3683.27 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 6000.00 | No | (No Data) | 1.6289 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88496 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5% of UPB if amt prepd >20% of OPB | (No Data) | Yes | Yes | 1 | 6.6250 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1759.85 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1850.00 | No | (No Data) | 1.0512 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88497 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Purchase | No | No | No | No | Yes | 5% of UPB if amt prepd in 12 mos is >20% of OPB | (No Data) | Yes | Yes | 1 | 8.3750 | No | No | 4 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2849.72 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2300.00 | No | (No Data) | 0.8070 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88498 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXXX | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.5758 | Yes | Yes | 1.85 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 28.52 | 23.71 | 28.52 | 23.71 | 23.71 | 23.71 | Yes | Yes | Yes | 56076.29 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 24 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 31769 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXXX | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 5.6795 | No | No | 3.123 | 3.210 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 48.86 | 48.85 | 48.86 | 48.85 | 48.85 | 48.85 | Yes | Yes | Yes | 2557.71 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 43678 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Non-Resident Alien | Non-Resident Alien | Yes | Second Home | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 1% of amt prepd in 12 mos if amt prepd is >20% of OPB | (No Data) | No | No | 1 | 6.4504 | Yes | Yes | 0.8 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 15.01 | 12.99 | 15.01 | 12.99 | 12.99 | 12.99 | (No Data) | (No Data) | (No Data) | 26104.06 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | Yes | (No Data) | Yes | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 45466 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | No | Primary | XXXXXX | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.7490 | No | No | 2.388 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 47.89 | 46.76 | 47.89 | 46.76 | 46.76 | 46.76 | No | Yes | Yes | 3882.73 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 1 months;<br> Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 55924 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXXX | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 4.0215 | Yes | Yes | 3.04 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 32.46 | 32.46 | 32.46 | 32.46 | 32.46 | 32.46 | Yes | Yes | Yes | 5117.98 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 13 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 61732 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXXX | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 4.6220 | Yes | Yes | 2.837 | Unavailable | (No Data) | (No Data) | No | No | No | No | No | Yes | Yes | (No Data) | Yes | Yes | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 38 | 27.25 | 38 | 27.25 | 27.25 | 27.25 | No | Yes | Yes | 8115.03 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 24 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 65153 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | Yes | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of amount prepaid in years 1-5 | (No Data) | Yes | Yes | 1 | 7.1251 | No | No | 5 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1355.44 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1500.00 | 1.1066 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 66919 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXXX | 4 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.1424 | Yes | No | 2.544 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 44 | 40.91 | 44 | 40.91 | 40.91 | 40.91 | Yes | Yes | Yes | 12640.94 | (No Data) | 0 | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 2 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88065 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXXX | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8855 | Yes | Yes | 0 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 23.11 | 25.97 | 23.11 | 25.97 | 25.97 | 25.97 | No | No | (No Data) | 33363.28 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Lender Form | 34 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 34 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88066 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXXX | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8079 | Yes | Yes | 0.417 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 41.14 | 41.14 | 41.14 | 41.14 | 41.14 | 41.14 | Yes | Yes | Yes | 2968.66 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88067 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXXX | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.0268 | Yes | Yes | 1.318 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 19.71 | 20.18 | 19.71 | 20.18 | 20.18 | 20.18 | No | No | (No Data) | 15446.73 | Yes | 60 | Yes | Yes | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 6 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 6 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88068 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXXX | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.0208 | Yes | Yes | 1.325 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 39.34 | 39.02 | 39.34 | 39.02 | 39.02 | 39.02 | No | No | (No Data) | 8061.88 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter with Income - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88069 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Permanent Resident Alien | (No Data) | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9900 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3086.16 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4500.00 | No | (No Data) | 1.4581 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 88070 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.8750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1818.56 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1900.00 | No | (No Data) | 1.0448 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88071 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXXX | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.8110 | No | No | 1.665 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 47.38 | 47.38 | 47.38 | 47.38 | 47.38 | 47.38 | No | No | (No Data) | 7773.93 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months | Business Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88072 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Not Provided | QM: Safe Harbor | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXXX | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6576 | Yes | Yes | 0.227 | 0.214 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 8.87 | 8.87 | 8.87 | 8.87 | 8.87 | 8.87 | No | No | (No Data) | 91126.83 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88073 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXXX | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.1220 | Yes | Yes | 1.229 | 1.222 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.87 | 33.37 | 32.87 | 33.37 | 33.37 | 33.37 | No | No | (No Data) | 30453.36 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88074 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXXX | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.7141 | Yes | Yes | 1.837 | 1.838 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 11.69 | 0 | 11.69 | 11.69 | 11.69 | Yes | Yes | Yes | 23221.64 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 6 | Yes | 6 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 6 months | Personal Bank Statements - 6 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88075 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXXX | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.0351 | No | No | 1.459 | 1.446 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 45.09 | 45.09 | 45.09 | 45.09 | 45.09 | 45.09 | No | No | (No Data) | 4792.4 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Other | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 72 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 12 months;<br> Business Bank Statements - 12 months;<br> CPA Letter without Income - 72 months;<br> IRS Transcripts – Tax Return(s) - 12 months;<br> Lease Agreement - 1 months;<br> Lease Agreement - 1 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88076 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXXX | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.1060 | Yes | Yes | 1.711 | 1.746 | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.58 | 39.58 | 39.58 | 39.58 | 39.58 | 39.58 | No | No | (No Data) | 3090.15 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 13 months;<br> CPA Letter - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88077 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Permanent Resident Alien | (No Data) | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.6250 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7406.13 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4472.00 | No | (No Data) | 1.3041 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | Other | (No Data) | (No Data) | (No Data) |
| 88078 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXXX | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.5828 | Yes | Yes | 1.689 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 14.28 | 35.8 | 14.28 | 35.8 | 35.8 | 35.8 | No | No | (No Data) | 22470.5 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88079 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXXX | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.2519 | No | No | 2.235 | Not Applicable | Yes | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 49.53 | 49.55 | 49.53 | 49.55 | 49.55 | 49.55 | No | No | (No Data) | 3021.33 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88080 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9900 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1858.22 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1800.00 | No | (No Data) | 1.5136 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88081 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXXX | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.1100 | No | No | 1.093 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.51 | 47.3 | 49.51 | 47.3 | 47.3 | 47.3 | No | No | (No Data) | 36390.17 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88082 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Second Home | XXXXXX | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.8699 | No | No | 1.193 | Not Applicable | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 47.65 | 49.51 | 47.65 | 49.51 | 49.51 | 49.51 | No | No | (No Data) | 35697.57 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 14 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | IRS Transcripts – W2(s) - 24 months;<br> Paystub - 1 months;<br> Personal Bank Statements - 14 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88083 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.4058 | No | No | 3.401 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3699.53 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2700.00 | No | (No Data) | 2.0126 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88084 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXXX | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.5012 | Yes | Yes | 1.181 | 1.176 | No | No | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 39.95 | 39.81 | 39.95 | 39.81 | 39.81 | 39.81 | No | No | (No Data) | 19975.13 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | W2 - 24 months;<br> Written VOE - 24 months | 1099 - 12 months;<br> Award Letter - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88085 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXXX | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | Yes | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8542 | Yes | Yes | 1.171 | 1.179 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 29.24 | 34.82 | 29.24 | 29.15 | 29.15 | 29.15 | No | No | (No Data) | 24214.15 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88086 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXXX | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.4185 | Yes | Yes | 0.45 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 35.17 | 35.1 | 35.17 | 35.1 | 35.1 | 35.1 | Yes | Yes | Yes | 15233.21 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 6 | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 6 months | Personal Bank Statements - 1 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88087 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.1251 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2440.7 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2625.00 | No | (No Data) | 1.1565 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88088 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXXX | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.3027 | No | No | 1.972 | 1.935 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 47.15 | 47.49 | 47.25 | 47.49 | 47.49 | 47.49 | No | No | (No Data) | 3601.62 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> Personal Bank Statements - 2 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88089 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.2234 | No | No | 2.13 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2065.08 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1900.00 | No | (No Data) | 1.0052 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88090 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.7500 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1319.98 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2000.00 | No | (No Data) | 1.5151 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88091 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | Permanent Resident Alien | (No Data) | (No Data) | Investor | XXXXXX | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.8750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2837.24 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4395.00 | No | (No Data) | 1.5490 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 88092 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.2500 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3470.86 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1750.00 | No | (No Data) | 1.0783 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88093 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.2500 | Yes | No | 0 | (No Data) | Yes | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 42.24 | 0 | 42.24 | 42.24 | 42.24 | (No Data) | (No Data) | (No Data) | 12869.65 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Lender Form | 33 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 33 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88094 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9900 | Yes | No | 0 | (No Data) | Yes | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 41.61 | 0 | 41.61 | 41.61 | 41.61 | (No Data) | (No Data) | (No Data) | 19592.08 | Yes | 84 | No | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 33 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Paystub - 1 months;<br> Written VOE - 33 months | 1099 - 12 months;<br> Award Letter - 1 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88095 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXXX | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8768 | Yes | Yes | 1.685 | 1.204 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 26.65 | 26.65 | 26.65 | 26.65 | 26.65 | 26.65 | No | No | (No Data) | 61498.35 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88096 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.3750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1739.08 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2050.00 | No | (No Data) | 1.1787 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88097 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.6250 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4582 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3600.00 | No | (No Data) | 1.0135 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88098 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXXX | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.9489 | Yes | Yes | 1.793 | 1.793 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 22.09 | 22.03 | 22.09 | 22.03 | 22.03 | 22.03 | No | No | (No Data) | 5243.75 | Yes | 60 | No | Yes | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 6 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 6 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88099 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXXX | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.0599 | No | Yes | 1.479 | 1.481 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 0 | 0 | 0 | 0 | 0 | 0 | No | No | (No Data) | -3259.95 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88100 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.6250 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1224.11 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2400.00 | No | (No Data) | 2.2575 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88101 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.8750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1939.44 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2020.00 | No | (No Data) | 1.0415 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88102 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | Yes | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.8750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1025.49 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88103 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.7500 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -896.06 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2000.00 | No | (No Data) | 1.0498 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88104 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXXX | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8686 | Yes | Yes | 1.686 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 42.67 | 42.68 | 42.67 | 42.68 | 42.68 | 42.68 | No | No | (No Data) | 3449.21 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88105 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9848 | No | No | 1.878 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1505.35 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2100.00 | No | (No Data) | 1.3950 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88106 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Not Provided | QM: Safe Harbor | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | XXXXXX | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.3335 | Yes | Yes | 0.732 | 0.732 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | Yes | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 19.26 | 21.37 | 19.26 | 21.37 | 21.37 | 21.37 | No | No | (No Data) | 26428.27 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88107 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.1251 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1581.93 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1650.00 | No | (No Data) | 1.0430 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88108 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.8750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3734.64 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2500.00 | No | (No Data) | 1.1998 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88109 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.6250 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2736.99 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2750.00 | No | (No Data) | 1.0040 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88110 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXXX | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.9055 | Yes | Yes | 2.013 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 41.36 | 41.36 | 41.36 | 41.36 | 41.36 | 41.36 | No | No | (No Data) | 12975.99 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88112 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.8750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2363.6 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2500.00 | No | (No Data) | 1.0577 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88113 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | No | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.3750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | No | Yes | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4720.56 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3850.00 | No | (No Data) | 0.8156 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88114 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Second Home | XXXXXX | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.1138 | Yes | Yes | 1.219 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 39.54 | 35.55 | 39.54 | 35.55 | 35.55 | 35.55 | No | No | (No Data) | 30999.22 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> IRS Transcripts – Tax Return(s) - 24 months;<br> Personal Tax Return - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88115 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Permanent Resident Alien | (No Data) | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.0937 | No | Yes | 1.791 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | No | No | (No Data) | -1784.09 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | Yes | 2000.00 | 1.1210 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/lease agreement - 0 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 88116 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.7500 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4060.9 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3600.00 | No | (No Data) | 1.0333 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88117 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.2352 | No | No | 2.139 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -495.38 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | Yes | Full Recourse | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2250.00 | No | (No Data) | 1.0307 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88118 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.8750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6276.49 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2150.00 | No | (No Data) | 1.4224 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88119 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.2500 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5531.27 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88120 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9900 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1200.14 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1350.00 | No | (No Data) | 1.1248 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88121 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.7500 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2945.32 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 4500.00 | No | (No Data) | 1.1679 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88122 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.1063 | No | No | 1.913 | (No Data) | (No Data) | (No Data) | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1520.7 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2000.00 | No | (No Data) | 1.3152 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88123 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.6250 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2772.83 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2750.00 | No | (No Data) | 1.1107 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88124 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9900 | Yes | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 34.93 | 0 | 34.93 | 34.93 | 34.93 | (No Data) | (No Data) | (No Data) | 21257.8 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88125 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9900 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 47.95 | 0 | 47.95 | 47.95 | 47.95 | (No Data) | (No Data) | (No Data) | 15825.13 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | Yes | 24 | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | Business Tax Return - 24 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88126 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.7500 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2271.51 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2260.00 | No | (No Data) | 1.0192 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88127 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.1251 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | 326.05 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1500.00 | No | (No Data) | 1.2777 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88128 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.1251 | Yes | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 21.04 | 0 | 21.04 | 21.04 | 21.04 | (No Data) | (No Data) | (No Data) | 17597.17 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88129 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.8750 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -12237.03 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2200.00 | No | (No Data) | 1.0784 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88130 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.6250 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6265.94 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 3600.00 | No | (No Data) | 1.0000 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88131 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | Yes | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXXX | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8710 | Yes | Yes | 1.166 | 1.166 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Yes | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 30.83 | 30.31 | 30.83 | 30.31 | 30.31 | 30.31 | No | No | (No Data) | 24504.78 | Yes | 84 | No | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 6 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 6 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88132 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | U.S. Citizen | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.4900 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5601.75 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | Yes | Full Recourse | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 2200.00 | No | (No Data) | 1.2574 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88133 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | No | Present | QM: Safe Harbor (APOR) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Second Home | XXXXXX | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.1281 | Yes | Yes | 1.924 | 1.968 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 32.16 | 32.9 | 32.16 | 32.9 | 32.9 | 32.9 | No | No | (No Data) | 7718.9 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Yes | FMNA 1005 | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 1 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88134 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.4900 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2063.47 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | Yes | 1400.00 | No | (No Data) | 1.1080 | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | DSCR - w/rent schedule - 0 months | DSCR - w/rent schedule - 0 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88135 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.6250 | Yes | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 41.74 | 0 | 41.74 | 41.74 | 41.74 | (No Data) | (No Data) | (No Data) | 28825.37 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88136 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.7500 | No | No | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | 49.03 | 0 | 49.03 | 49.03 | 49.03 | (No Data) | (No Data) | (No Data) | 34460.09 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | Yes | 48 | No | (No Data) | No | (No Data) | Yes | 48 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter with Income - 48 months | Business Bank Statements - 12 months;<br> CPA Letter - 48 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88137 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | No | (No Data) | (No Data) | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Investor | XXXXXX | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.1251 | Yes | Yes | 0 | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | Yes | Yes | Yes | Not Applicable | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 36.14 | 36.14 | 36.14 | 36.14 | 36.14 | 36.14 | (No Data) | (No Data) | (No Data) | 5281.51 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 1 months | Personal Bank Statements - 2 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88499 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXXX | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 9.7606 | No | No | 3.629 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 54.86 | 54.86 | 54.86 | 54.86 | 54.86 | 54.86 | Yes | Yes | Yes | 3129.67 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88500 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXXX | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 8.3423 | No | Yes | 3.847 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 0 | 0 | 0 | 0 | 0 | 0 | No | No | (No Data) | -1253.37 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 2 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88501 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXXX | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.6074 | Yes | Yes | 2.095 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 31.72 | 31.72 | 31.72 | 31.72 | 31.72 | 31.72 | Yes | Yes | Yes | 34187.85 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 480 | No | (No Data) | Yes | 480 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 480 months | Business Bank Statements - 12 months;<br> CPA Letter without Income - 480 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88504 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXXX | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.7993 | Yes | Yes | 2.935 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 5.73 | 5.91 | 5.73 | 5.91 | 5.91 | 5.91 | Yes | Yes | Yes | 550392.54 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 87879 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | Non-Resident Alien | Non-Resident Alien | (No Data) | Primary | XXXXXX | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.6352 | Yes | Yes | 2.359 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 4.71 | 4.7 | 4.71 | 4.7 | 4.7 | 4.7 | Yes | Yes | Yes | 102539.87 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88507 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | Non-Permanent Resident Alien | (No Data) | Primary | XXXXXX | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.2871 | Yes | Yes | 4.107 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 29.6 | 29.27 | 29.6 | 29.27 | 29.27 | 29.27 | Yes | Yes | Yes | 7514.72 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 48 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 48 months | (No Data) | (No Data) | (No Data) | Employment Authorization Document | (No Data) | (No Data) |
| 87880 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXXX | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8680 | Yes | Yes | 1.174 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 29.31 | 29.88 | 29.31 | 29.88 | 29.88 | 29.88 | Yes | Yes | Yes | 64889.7 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 34 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 34 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88511 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | XXXXXX | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.1317 | Yes | Yes | 3.934 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 11.09 | 11.11 | 11.09 | 11.11 | 11.11 | 11.11 | Yes | Yes | Yes | 51823.64 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 72 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 72 months | (No Data) | (No Data) | (No Data) | Green Card | (No Data) | (No Data) | (No Data) |
| 88513 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXXX | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.2718 | Yes | Yes | 1.67 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 9.62 | 6.63 | 9.62 | 6.63 | 6.63 | 6.63 | Yes | Yes | Yes | 331735.04 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 120 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 120 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88514 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXXX | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.4796 | No | No | 2.195 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 0 | 0 | 0 | 0 | 0 | 0 | No | No | (No Data) | -20597.07 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 3 | Yes | 3 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 3 months | Personal Bank Statements - 3 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88515 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | XXXXXX | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 8.2664 | Yes | Yes | 3.64 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 28.62 | 28.62 | 28.62 | 28.62 | 28.62 | 28.62 | Yes | Yes | Yes | 5805.93 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Tax Preparer | 12 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 60 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter - 60 months;<br> P & L - 12 months | (No Data) | (No Data) | (No Data) | Other | (No Data) | (No Data) | (No Data) |
| 88516 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | No | Second Home | XXXXXX | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.5430 | Yes | Yes | 1.288 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 14.8 | 14.82 | 14.8 | 14.82 | 14.82 | 14.82 | Yes | Yes | Yes | 60760.87 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88517 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | XXXXXX | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.1186 | Yes | Yes | 3.572 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 10.63 | 11.3 | 10.63 | 11.3 | 11.3 | 11.3 | Yes | Yes | Yes | 120705.6 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 180 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 180 months | (No Data) | (No Data) | (No Data) | Employment Authorization Document | (No Data) | (No Data) | (No Data) |
| 88518 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXXX | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.6417 | Yes | Yes | 2.272 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 30.06 | 27.62 | 30.06 | 27.62 | 27.62 | 27.62 | Yes | Yes | Yes | 11582.91 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88520 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | Non-Resident Alien | (No Data) | (No Data) | Primary | XXXXXX | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.0440 | Yes | Yes | 3.846 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 39.51 | 39.51 | 39.51 | 39.51 | 39.51 | 39.51 | Yes | Yes | Yes | 2951.33 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Tax Return - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88521 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXXX | 2 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | Yes | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.8265 | Yes | Yes | 1.368 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 41.72 | 48.45 | 41.72 | 40.16 | 40.16 | 40.16 | Yes | Yes | Yes | 6023.86 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | Yes | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 72 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter - 72 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88522 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXXX | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.7385 | Yes | No | 4.451 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 42.04 | 42.04 | 0 | 42.04 | 42.04 | 42.04 | Yes | Yes | Yes | 3218.51 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 1099 - 24 months;<br> Award Letter - 12 months;<br> Personal Bank Statement for Retirement Income - 3 months | Award Letter - 12 months;<br> Personal Bank Statement for Retirement Income - 3 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88524 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | XXXXXX | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.0406 | No | No | 2.957 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 47.03 | 43.77 | 47.03 | 43.77 | 43.77 | 43.77 | Yes | Yes | Yes | 6435.4 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 96 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 20 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 20 months;<br> CPA Letter - 96 months | (No Data) | (No Data) | (No Data) | Employment Authorization Document | (No Data) | (No Data) | (No Data) |
| 88526 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXXX | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 10.2366 | Yes | No | 2.729 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 47.75 | 40.3 | 47.75 | 40.3 | 40.3 | 40.3 | Yes | Yes | Yes | 4826.36 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 24 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88527 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXXX | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.6200 | Yes | Yes | 2.358 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 16.17 | 16.1 | 16.17 | 16.1 | 16.1 | 16.1 | Yes | Yes | Yes | 34273.27 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 60 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 60 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88530 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXXX | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.8333 | Yes | Yes | 4.42 | 0.000 | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 16.36 | 16.36 | 16.36 | 16.36 | 16.36 | 16.36 | Yes | Yes | Yes | 23271.22 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 60 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter without Income - 60 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88531 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXXX | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.7722 | Yes | No | 0.825 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 36.72 | 36.43 | 0 | 36.43 | 36.43 | 36.43 | Yes | Yes | Yes | 39026.88 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | FMNA 1005 | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Tax Return - 24 months;<br> Paystub - 1 months;<br> Personal Tax Return - 24 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88532 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Non-Permanent Resident Alien | (No Data) | (No Data) | Primary | XXXXXX | 1 | Conventional | No | No | No | No | (No Data) | No | No | Rate and Term Refi | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.5590 | Yes | No | 2.923 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 30.76 | 30.76 | 0 | 30.76 | 30.76 | 30.76 | Yes | Yes | Yes | 18751.56 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Tax Preparer | 12 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 288 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter without Income - 288 months;<br> P & L Only - 12 months | (No Data) | (No Data) | (No Data) | Other | (No Data) | (No Data) | (No Data) |
| 88534 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXXX | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.9321 | No | No | 2.296 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.46 | 48.67 | 49.46 | 48.67 | 48.67 | 48.67 | Yes | Yes | Yes | 9251.63 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter - 24 months;<br> Paystub - 1 months;<br> Personal Bank Statements - 12 months;<br> W2 - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88538 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXXX | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.1756 | Yes | No | 3.141 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 38.96 | 38.96 | 0 | 38.96 | 38.96 | 38.96 | Yes | Yes | Yes | 5835.82 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 13 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 2 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 2 months;<br> Personal Bank Statements - 13 months;<br> Personal Tax Return - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88539 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXXX | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | Yes | No | 1 | 7.4383 | Yes | Yes | 3.577 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 21.17 | 25.66 | 21.17 | 25.66 | 25.66 | 25.66 | Yes | Yes | Yes | 23756.22 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 204 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 204 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88540 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXXX | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 6.9614 | No | No | 4.333 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.26 | 46.45 | 49.26 | 46.45 | 46.45 | 46.45 | Yes | Yes | Yes | 1897.2 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Personal Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88544 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | Permanent Resident Alien | Permanent Resident Alien | (No Data) | Primary | XXXXXX | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | Yes | Yes | 1 | 7.7395 | No | No | 4.16 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 43.49 | 43.25 | 43.49 | 43.25 | 43.25 | 43.25 | Yes | Yes | Yes | 3848.02 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months | CPA Letter with Income - 24 months;<br> Personal Bank Statements - 12 months | (No Data) | (No Data) | Green Card | Green Card | (No Data) | (No Data) |
| 88545 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXXX | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.7159 | No | No | 2.194 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.49 | 49.59 | 49.49 | 49.59 | 49.59 | 49.59 | Yes | Yes | Yes | 16419.34 | Yes | 60 | Yes | Yes | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88547 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | (No Data) | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXXX | 1 | Conventional | No | No | No | No | (No Data) | Yes | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 8.3856 | Yes | Yes | 1.617 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 36.53 | 36.53 | 36.53 | 36.53 | 36.53 | 36.53 | Yes | Yes | Yes | 33080.64 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Borrower | 12 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 84 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | CPA Letter - 84 months;<br> P & L - 12 months;<br> Personal Tax Return - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88548 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Not Provided | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | U.S. Citizen | (No Data) | Primary | XXXXXX | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 6.7572 | No | No | 1.851 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 49.78 | 49.24 | 49.78 | 49.24 | 49.24 | 49.24 | Yes | Yes | Yes | 8152.47 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Award Letter - 12 months | Award Letter - 12 months | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88549 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXXX | 1 | Conventional | No | No | No | No | (No Data) | No | No | Cashout Refi | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 6.9125 | Yes | Yes | 2.941 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 40.24 | 40.3 | 40.24 | 40.3 | 40.3 | 40.3 | Yes | Yes | Yes | 11692.04 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Yes | 1 | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 24 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | Independent Third Party (The Work Number, Equifax etc) | 24 | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Paystub - 1 months;<br> W2 - 24 months;<br> Written VOE - 24 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88553 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXXX | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.1838 | No | No | 2.751 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 43.52 | 49.31 | 43.52 | 49.31 | 49.31 | 49.31 | Yes | Yes | Yes | 6041.12 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |
| 88554 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Non-QM: Lender documented all ATR UW factors | No | Present | Non-QM: Lender documented all ATR UW factors | XXXXXX | U.S. Citizen | (No Data) | (No Data) | Primary | XXXXXX | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | No | 1 | 7.6207 | Yes | Yes | 0.638 | Not Applicable | (No Data) | (No Data) | No | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | No | (No Data) | (No Data) | (No Data) | No | Yes | Documented | Documented | Documented | Not Applicable | Documented | Documented | Documented | Documented | 42.3 | 42.31 | 42.3 | 42.31 | 42.31 | 42.31 | Yes | Yes | Yes | 20192.61 | No | 0 | (No Data) | No | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | No | No | (No Data) | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Yes | 48 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Yes | 12 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | Business Bank Statements - 12 months;<br> CPA Letter - 48 months | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) |

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

## Exhibit 99.05

[MFA 2026-NQM2 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.05 - Schedule 7**

![](clayton-logo.jpg)

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| | |
|:---|:---|
| **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** |
| Loans in Report | 65 |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| **Loan Number** | **Borrower Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| 88419 | XXXXXX | Product Type | DSCR | 30 Yr Fixed |
| 87871 | XXXXXX | Note Date | XXXXXX | XXXXXX |
| 87871 | XXXXXX | Product Type | DSCR | 30 Yr Fixed |
| 87872 | XXXXXX | Product Type | DSCR | 30 Yr Fixed |
| 88421 | XXXXXX | Product Type | DSCR | 30 Yr Fixed |
| 87873 | XXXXXX | Product Type | DSCR | 30 Yr Fixed |
| 87874 | XXXXXX | Product Type | DSCR | 30 Yr Fixed |
| 88422 | XXXXXX | Product Type | DSCR | 30 Yr Fixed Interest Only |
| 88423 | XXXXXX | Product Type | DSCR | 30 Yr Fixed |
| 88425 | XXXXXX | Product Type | DSCR | 30 Yr Fixed |
| 87581 | XXXXXX | Product Type | DSCR | 30 Yr Fixed |
| 88426 | XXXXXX | Product Type | DSCR | 30 Yr Fixed |
| 87876 | XXXXXX | Product Type | DSCR | 30 Yr Fixed |
| 88428 | XXXXXX | Product Type | DSCR | 30 Yr Fixed |
| 87877 | XXXXXX | Product Type | DSCR | 30 Yr Fixed |
| 88431 | XXXXXX | Product Type | DSCR | 30 Yr Fixed |
| 88432 | XXXXXX | Product Type | DSCR | 30 Yr Fixed Interest Only |
| 88433 | XXXXXX | Product Type | DSCR | 30 Yr Fixed |
| 88435 | XXXXXX | Product Type | DSCR | 30 Yr Fixed |
| 88438 | XXXXXX | Product Type | DSCR | 30 Yr Fixed |
| 88440 | XXXXXX | Product Type | DSCR | 30 Yr Fixed |
| 88441 | XXXXXX | Product Type | DSCR | 30 Yr Fixed |
| 88442 | XXXXXX | Product Type | DSCR | 30 Yr Fixed |
| 88451 | XXXXXX | Product Type | DSCR | 30 Yr Fixed |
| 88453 | XXXXXX | Product Type | DSCR | 30 Yr Fixed |
| 88454 | XXXXXX | Product Type | DSCR | 7/1 ARM |
| 88455 | XXXXXX | Product Type | DSCR | 30 Yr Fixed |
| 88458 | XXXXXX | Product Type | DSCR | 30 Yr Fixed |
| 88461 | XXXXXX | Product Type | DSCR | 30 Yr Fixed |
| 88464 | XXXXXX | Product Type | DSCR | 30 Yr Fixed |
| 88465 | XXXXXX | Product Type | DSCR | 30 Yr Fixed |
| 88468 | XXXXXX | Product Type | DSCR | 30 Yr Fixed |
| 88475 | XXXXXX | Product Type | DSCR | 30 Yr Fixed |
| 88477 | XXXXXX | Product Type | DSCR | 30 Yr Fixed |
| 88479 | XXXXXX | Product Type | DSCR | 30 Yr Fixed Interest Only |
| 88485 | XXXXXX | Product Type | DSCR | 30 Yr Fixed |
| 88486 | XXXXXX | Product Type | DSCR | 30 Yr Fixed |
| 88487 | XXXXXX | Product Type | DSCR | 30 Yr Fixed |
| 88491 | XXXXXX | Product Type | DSCR | 30 Yr Fixed |
| 88492 | XXXXXX | Product Type | DSCR | 30 Yr Fixed |
| 88493 | XXXXXX | Product Type | DSCR | 30 Yr Fixed |
| 88494 | XXXXXX | Product Type | DSCR | 30 Yr Fixed |
| 88496 | XXXXXX | Product Type | DSCR | 30 Yr Fixed |
| 88497 | XXXXXX | Product Type | DSCR | 30 Yr Fixed |
| 31769 | XXXXXX | Note Date | XXXXXX | XXXXXX |
| 43678 | XXXXXX | Income (Calculated) | 30000 | 0 |
| 43678 | XXXXXX | Loan Purpose | Refi, Cash Out | Rate and Term Refi |
| 55924 | XXXXXX | Combined Loan to Value | 44.7 | 52.1649 |
| 55924 | XXXXXX | Loan to Value | 44.7 | 44.7423 |
| 55924 | XXXXXX | Note Date | XXXXXX | XXXXXX |
| 61732 | XXXXXX | DTI (Back) | 38 | 27.2528 |
| 61732 | XXXXXX | Note Date | XXXXXX | XXXXXX |
| 66919 | XXXXXX | DTI (Back) | 44 | 40.9132 |
| 88077 | XXXXXX | Property Type | XXXXXX | XXXXXX |
| 88078 | XXXXXX | DTI (Back) | 14.2830 | 35.7986 |
| 88080 | XXXXXX | Representative Score | 802 | 800 |
| 88081 | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| 88086 | XXXXXX | Loan Doc Type | Alt Doc | Asset Depletion |
| 88086 | XXXXXX | Property Type | XXXXXX | XXXXXX |
| 88091 | XXXXXX | Property Type | XXXXXX | XXXXXX |
| 88099 | XXXXXX | DTI (Back) | 35.0030 | 0 |
| 88102 | XXXXXX | Loan Purpose | Cashout Refi | Rate and Term Refi |
| 88103 | XXXXXX | Property Type | XXXXXX | XXXXXX |
| 88110 | XXXXXX | Property Type | XXXXXX | XXXXXX |
| 88113 | XXXXXX | Property Type | XXXXXX | XXXXXX |
| 88114 | XXXXXX | DTI (Back) | 39.5360 | 35.5537 |
| 88114 | XXXXXX | Property Type | XXXXXX | XXXXXX |
| 88116 | XXXXXX | Property Type | XXXXXX | XXXXXX |
| 88123 | XXXXXX | Property Type | XXXXXX | XXXXXX |
| 88126 | XXXXXX | Property Type | XXXXXX | XXXXXX |
| 88130 | XXXXXX | Property Type | XXXXXX | XXXXXX |
| 88132 | XXXXXX | Property Type | XXXXXX | XXXXXX |

---

The findings in this report are preliminary and subject to revision by Clayton. This report is confidential and for Client's internal use only. This report is not for purposes of 17g5 filings and is not redacted. For Securitization reporting please submit a request to CL_SecondaryMarketAcquisitions@clayton.com

## Exhibit 99.06

[MFA 2026-NQM2 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.06**

![](ex9906001.jpg)

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

**Overview**

Digital Risk, LLC ("Digital Risk"), a third party due diligence provider, performed the review described below on behalf of its client, MFA Financial, Inc.. The review included a total of 2 newly originated, Non QM residential mortgage loans, in connection with the securitization identified as MFA 2026-NQM2 (the "Securitization"). The review began on January 17, 2020 and were completed on March 9, 2020

**Scope of Review**

**Credit Review**

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

The Credit Review attempted to confirm the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Guideline
Review

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Income / Assets

● Validate borrower(s) monthly gross income

● Validate funds required to close, required reserves

● Review file documentation for required level of income and asset verifications

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Employment Status

● Review file documentation for required level of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Monthly Mortgage Payment

● Confirm program, qualifying rate, terms

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Simultaneous Loans

● Validate all concurrent loans are included in the DTI

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Mortgage Related Obligations: PITI, HOA, PMI, etc.

● Validate subject loan monthly payment (PITI) and associated obligations

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Debts / Obligations

● Validate monthly recurring liabilities

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. DTI and/or Residual Income

● Validate debt-to-income ratio (DTI) based upon income and debt documentation provided in the file

● Review credit report for credit history and required credit depth including any / all inquiries

● Determine representative credit score from credit report

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Validation
through third party resource of the subject properties most recent twelve (12) month sales history

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Confirm
sufficient evidence in loan file, by reviewing the underwriter's decision to approve the loan based upon the borrows income,
debt, and credit history, to support borrower's willingness and ability to repay the debt

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review
condominium questionnaire to verify all information is complete, prepared by an authorized representative, and address any red
flags that may deem condominium project ineligible

**Compliance Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;h. Compliance with QM as it relates to: (does not apply, Non-QM Pool)

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

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

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

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

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

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

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

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

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

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

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

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

**Valuation Review**

Digital Risk performed a "Valuation Review," which included the following:

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

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

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

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;m. Additional valuation products (CDA's) were obtained to confirm the value was supported within
10% tolerance. This population was obtained by the client and ordered by Digital Risk.

Digital Risk applied a cascade methodology to determine if the original appraised value was reasonably supported when compared to an independent third party valuation product.

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

As part of the Credit and Compliance Reviews, Digital Risk captured data from the source documents and compared it to a data tape provided by Client. Digital Risk provided Client a Data Discrepancy Report which shows the differences between the tape data and the data captured by Digital Risk during the diligence process. Tape values that are blank indicate that the data was not provided on the provided data tape but Digital Risk captured it during the review. The percentages are based on a population of 2 loans. The table below reflects the discrepancies inclusive of the blank data fields:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;No Discrepancies | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

**Summary of Results**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** | &nbsp;&nbsp;**Overall Loan Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;1 | &nbsp;&nbsp;$210000.00 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;1 | &nbsp;&nbsp;$350000.00 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;2 | &nbsp;&nbsp;$560000.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Credit Results:** | &nbsp;&nbsp;**Credit Results:** | &nbsp;&nbsp;**Credit Results:** | &nbsp;&nbsp;**Credit Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;2 | &nbsp;&nbsp;$560000.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;2 | &nbsp;&nbsp;$560000.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Compliance Results:** | &nbsp;&nbsp;**Compliance Results:** | &nbsp;&nbsp;**Compliance Results:** | &nbsp;&nbsp;**Compliance Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;1 | &nbsp;&nbsp;$350000.00 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;1 | &nbsp;&nbsp;$210000.00 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;2 | &nbsp;&nbsp;$560000.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Valuation Results:** | &nbsp;&nbsp;**Valuation Results:** | &nbsp;&nbsp;**Valuation Results:** | &nbsp;&nbsp;**Valuation Results:** |
| &nbsp;&nbsp;Event Grade | &nbsp;&nbsp;Loan Count | &nbsp;&nbsp;Original Principal Balance | &nbsp;&nbsp;Percent of Sample |
| &nbsp;&nbsp;Event Grade A | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;Event Grade B | &nbsp;&nbsp;1 | &nbsp;&nbsp;$210000.00 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Event Grade C | &nbsp;&nbsp;1 | &nbsp;&nbsp;$350000.00 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Event Grade D | &nbsp;&nbsp;0 | &nbsp;&nbsp;$0.00 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total Sample** | &nbsp;&nbsp;2 | &nbsp;&nbsp;$560000.00 | &nbsp;&nbsp;100.00% |

---

**Event Grade Definitions**

---

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

---

---

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

---

---

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

---

---

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

---

## Exhibit 99.06

[MFA 2026-NQM2 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.06 - Schedule 1**

---

| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **Last Name** | **Note Date** | **Original Loan Amount** | **QM Status** | **ATR Status** | **Compliance Exceptions** | **Credit Exceptions** | **Property Valuation Exceptions** | **Compensating Factors** | **Initial Rating** | **Final Rating** | **Initial Credit Rating** | **Final Credit Rating** | **Initial Compliance Rating** | **Final Compliance Rating** | **Initial Property Valuation Rating** | **Final Property Valuation Rating** |
| XXXX | 46087 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Clear) The loan is in compliance with all applicable laws and regulations- <br>The loan is in compliance with all applicable laws and regulations.<br>**  | **(Clear) The loan meets all applicable credit guidelines- <br>The loan meets all applicable credit guidelines.<br>**  | **(Open) Value was not supported within 10% of original appraisal amount- <br>The value was not supported within 10% of the appraised value as of the effective date.<br>**  |  | 3 | 3 | 1 | 1 | 1 | 1 | 3 | 3 C A |
| XXXX | 47700 | XXXX | XX/XX/XXXX | XXXX | QM Exempt | ATR Exempt | **(Open) CHARM Booklet - Late- <br>There is no date evident on the Charm Booklet provided in the loan file in order to determine if it was disclosed to the borrower within 3 business days of the application date, XX/XX/XXXX. Truth in Lending Act (Regulation Z)12 CFR 1026.19(b)<br>**  | **(Clear) The loan meets all applicable credit guidelines- <br>The loan meets all applicable credit guidelines.<br>**  | **(Open) Value is supported within 10% of original appraisal amount- <br>The appraised value was supported within 10% and all applicable appraisal guidelines were satisfied. A BPO was provided to support the appraised value.<br>**  |  | 2 | 2 | 1 | 1 | 2 | 2 | 2 | 2 B A |

---

## Exhibit 99.06

[MFA 2026-NQM2 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.06 - Schedule 2**

Valuation Securitization Report

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **ORIGINATION VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **AVM VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **DESK REVIEW VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **BPO VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **FIELD REVIEW VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **OTHER VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** |  |  |
| **Customer Loan ID** | **Seller Loan ID** | **Subject Address** | **Subject City** | **Subject State** | **Subject Zip** | **Note Date** | **Original Loan Amount** | **Sales Price** | **PIW Indicator** | **Appraised Value** | **Value for LTV** | **Appraisal Form Type** | **Appraisal Date** | **Appraisal Company Name** | **AVM Confidence Score** | **AVM FSD Score** | **Market Condition** | **Second Appraisal Value** | **Variance Amount** | **Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence Score** | **AVM FSD Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| XXXX | 46087 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  |  | XXXX |  | 1004 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | -24.000% | XXXX | 0.264 |  | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXX | 47700 | XXXX | XXXX | XXXX | XXXX | XX/XX/XXXX | XXXX |  |  | XXXX |  | 1025 | XX/XX/XXXX |  |  |  |  |  |  |  |  |  | XXXX |  | -58.700% | XXXX | 0.3 |  | XX/XX/XXXX |  |  |  |  |  |  | XXXX | XXXX | 7.290% | XXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.06

[MFA 2026-NQM2 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.06 - Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Loan ID** | **QM Status** | **ATR** | **Exempt Reason** | **TRID Flag** | **Bank Statement Flag** | **Business/Personal Bank Statement** | **Foreign National Flag** | **Bank Statement Months** | **Number of Units** | **Title Vesting Type** | **Entity Name** | **Guarantee** | **Recourse** | **AUS/GSE Eligible Flag** | **Non-QM DocType Flag** | **Non-QM DTI Flag** | **Non-QM Points and Fees Flag** | **Non-QM Appendix Q Flag** | **Non-QM IO Flag** | **Non-QM Investment Property Exemption Flag** | **Non-QM Business Purpose / Foreign National** | **Non-QM Loan Term Exceeds 30 yrs** | **Primary Borrower Retired Flag** | **Co-Borrower Retired Flag** | **State of Formation** | **Length of Self-Employment** | **Co-Borrower Length of Self-Employment** | **Qualifying Rent** | **Third Party Preparer** | **Debt Service Coverage Ratio (DSCR)** | **Rent Source** | **DSCR PITIA** | **Residual Income** | **Borr 1 - Income Qual Months Personal Bank Statements** | **Borr 1 - Income Qual Months Business Bank Statements** | **Borr 1 - Income Qual Years W2** | **Borr 1 - Income Qual Years Tax Returns** | **Borr 1 - Income Qual WVOE Months** | **Borr 1 - Income Qual PNL Letter** | **Borr 1 - Income Qual CPA Letter** | **Borr 1 - Income Qual Number Paystubs** | **Borr 2 - Income Qual Months Personal Bank Statements** | **Borr 2 - Income Qual Months Business Bank Statements** | **Borr 2 - Income Qual Years W2** | **Borr 2 - Income Qual Years Tax Returns** | **Borr 2 - Income Qual WVOE Months** | **Borr 2 - Income Qual PNL Letter** | **Borr 2 - Income Qual CPA Letter** | **Borr 2 - Income Qual Number Paystubs** |
| XXXX | 46087 | QM Exempt | ATR Exempt | Business Purpose | 0 | 0 |  | 0 |  | 1 | Individual |  |  |  | 0 | 1 |  |  | 1 | 0 | 1 | 1 | 0 | 0 | 0 |  | 0 | 0 | XXXX |  | XXXX | Market Survey | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| XXXX | 47700 | QM Exempt | ATR Exempt | Business Purpose | 0 | 0 |  | 0 |  | 2 | Individual |  |  |  | 0 | 1 |  |  | 1 | 0 | 1 | 0 | 0 | 0 |  |  | 0 |  | XXXX |  | XXXX | Lease | XXXX | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |

---

## Exhibit 99.07

[MFA 2026-NQM2 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.07**

![](ex9907001.jpg)

FORWARD THINKING. SEAMLESS SOLUTIONS**.**<br>

Executive Summary<br> MFA 2026-NQM2<br> May 19, 2026<br>

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

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Forward Thinking. Seamless Solutions.

**EXECUTIVE SUMMARY**

**Overview** 

Evolve Mortgage Services, LLC ("Evolve") performed certain due diligence services (the "Review") described below on loans backed by residential properties (the "Loans") originated by a lender and subsequently purchased by MFA Financial, Inc. (together with its affiliates the "Client"). The Review was conducted via files imaged and provided by the lender or its designee for review. The Review results were conveyed to the Client via a Reliance Letter.

**Sample size of the assets reviewed.** 

The final population of the Review covered 65 Loans, including 18 Residential and 47 Business Purpose loans, totaling an aggregate original principal balance of approximately $23,059,881.00. Evolve is not aware of the overall securitization population as other third-party review ("TPR") firms may have reviewed loans within the overall securitization loan population.

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

The Review was conducted consistent with the criteria for Fitch Ratings, Inc. (Fitch), the NRSRO identified in Item 3 of the ABS Due Diligence-15E.

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

Evolve compared data provided by the Client and uploaded to the underwriting system to the data found in the Loan file as captured during the Review. The data integrity review was completed versus data as provided at the time of initial diligence or subsequently updated. Not all data elements were provided to Evolve on every loan within the securitization population. This comparison, when data was available and applicable, included the following data fields:

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| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Property Street Address |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;Property Zip |
| &nbsp;&nbsp;Index Type | &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;QM Status |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;Qualifying Credit Score |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;Qualifying DTI |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;Original Term | &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;Self-Employment Flag |

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| ![](ex9907003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 1 \| P a g e |

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Forward Thinking. Seamless Solutions.

**<u>Document Review</u>**

For each Loan, Evolve will review the Loan File and verify whether the following documents, if applicable, are included in the file and if the data on these documents is consistent and logical: (a) initial application (1003), (b) credit report, (c) employment documentation, (d) asset documentation, (e) sales contract, (f) hazard and/or flood insurance policies, (g) appraisal, (h)title/preliminary title, (i) mortgage/ deed of trust, G) note, (k) certificate of business purpose / non-owner occupancy, (1) articles of incorporation, if applicable, (m) operating agreement, (n) background check and (o) leases.

**<u>Credit Review</u>**

The credit review focuses on the borrower's experience in property management, credit profile and adherence to guidelines. The borrower's assets are analyzed to determine there are sufficient funds for the required equity in the project. Conformity to applicable guidelines will all be assessed during the review. An income calculation will not be performed though the presence of income documentation if required by the guidelines will be noted.

*Credit Application*

For the Credit Application, Evolve will verify whether (a) the application is signed by all listed borrowers, (b) the application is substantially filled out, (c) all known borrower-owned properties are disclosed on the Real Estate Owned section or attachments, and (d) borrower's property management/landlord experience.

*Credit Report*

Evolve will verify (a) a credit report is present for each borrower/ guarantor, (b) note and research the Real Estate Owned and fraud alerts, (c) and gather data including (i) representative FICO, (ii) scores from Equifax, Experian, and Transunion (if available), (iii) verify that the public records listed are disclosed on the application and adequately explained and in compliance with guidelines, and (iv) the number and length of trade lines.

*Borrowing Entity*

Evolve will verify the borrowing entity, if not an individual, is properly documented. In addition, Evolve will verify if the business entity is a US or foreign entity and if the individual signing the loan documentation has the appropriate authority. Distinction will be made between guarantors and principals, individuals and business entities.

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| ![](ex9907003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 2 \| P a g e |

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Forward Thinking. Seamless Solutions.

*Property Income*

Evolve will determine whether all applicable supporting documentation as required by the guidelines is present in the file. No traditional borrower DTI ratios will be calculated but instead a "Property DTI" will be calculated per guidelines using the lease or expected lease amount and the property expenses. Documentation verifying property income may include: (a) leases and monthly rental income, (b) property vacancy, (c) balance sheets / financial statements, and (d) an appraisal analysis of market rents.

*Valuation Review*

Evolve's review will include a review of the valuation materials utilized during the origination of the loan and in confirming the value of the underlying property. Evolve's review will include verifying the appraisal report was (i) materially complete, (ii) in conformity with the guideline requirements for the property type in question, (iii) completed by an appraiser that was actively licensed to perform the valuation, (iv) 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, (iv) made on an "as is" basis or provides satisfactory evidence of completion of all material conditions including all inspections, licenses, and certificates (including certificates of occupancy) to be made or issued with respect to all occupied portions of the mortgaged property and with respect to the use and occupancy of the same, have been made or obtained from the appropriate authorities.

With regard to the use of comparable properties, Evolve's review will (i) 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; (ii) confirm the property value and square footage of the subject property was bracketed by comparable properties, (iii) verify that comparable properties used are similar in size, style, and location to the subject, and (iv) check for the reasonableness of adjustments when reconciling value between the subject property and comparable properties.

Other aspects of Evolve's review include (i) verifying that the address matched the mortgage note, (ii) 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 (iii) confirming the appraiser noted an estimated lease amount to be used in instances where there is no lease in place.

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| ![](ex9907003.jpg) |© 2020 Evolve Mortgage Services Overview \| Proprietary and Confidential | 3 \| P a g e |

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Forward Thinking. Seamless Solutions.

*Asset Review*

Evolve will assess whether the asset documentation required by the guidelines is present in the file. Evolve will verify that assets presented support the required reserves. Documentation reviewed may include: (a) depository account statements, (b) stock or security account statements, (c) settlement statements or other evidence of conveyance and transfer of funds if a sale of assets was involved, and (d) operating accounts from other properties.

*Insurance*

Evolve will (a) look for the presence of rent loss insurance as required by the guidelines, (b) verify that hazard insurance meets the minimum required amount of coverage in the guidelines, (c) confirm that the flood cert is for the correct borrower, property, lender and loan number, and (d) for properties in a flood zone per the flood cert, confirm that flood insurance meets guideline requirements in the file and meets the minimum required amount of coverage.

*Title*

Evolve will verify whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the borrower, and review the title commitment. Evolve will also review, as applicable, confirm that the final title policy, endorsements, lien position, type of ownership, and property tax review conform to the guidelines provided by Client.

*Fraud / Criminal Background*

To the extent potentially fraudulent activity is identified as part of the document review, such information will be reported to Client. In addition, Evolve will look for an independent, third party fraud report and background check 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.

**<u>Limited Non-Owner Occupancy Certification Review</u>**

Evolve will review documentation present in the file to support the borrower claim that the property will be non-owner occupied.

Review procedures include:

● Appraisal reports are reviewed in order to determine property type is consistent with underwritten type, as well as evaluated for evidence/indication of either owner or tenant occupancy.

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Forward Thinking. Seamless Solutions.

● Final Form 1003/Loan application is reviewed to ensure 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.

● Certification of Non-Owner Occupancy and Indemnity is reviewed for presence of a completed Primary Residence address, verified that that the handwritten Primary Residence address differs from the subject property address, and is signed/dated as required.

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

● Review additional items for confirmation of non-owner occupancy possibly including:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;○ That the credit report address is different than 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;○ There is a lease in place if the loan is a refinance

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;○ There is landlord insurance on the property

**<u>Debt Service Coverage Ratio (DSCR)</u>**

● Calculate DSCR as required by the guidelines

**<u>Data Collection</u>**

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

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Forward Thinking. Seamless Solutions.

**SUMMARY OF FINDINGS & CONCLUSIONS OF REVIEW**

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

**Compliance Results Summary**

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|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;16 | &nbsp;&nbsp;24.62% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;3.08% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;— | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;— | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;47 | &nbsp;&nbsp;72.31% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**65** | &nbsp;&nbsp;**100.00%** |

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**Credit Results Summary**

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|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;58 | &nbsp;&nbsp;89.23% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;7 | &nbsp;&nbsp;10.77% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;— | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;— | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;— | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**65** | &nbsp;&nbsp;**100.00%** |

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**Property Valuation Results Summary**

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|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;63 | &nbsp;&nbsp;96.92% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;3.08% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;— | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;— | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;— | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**65** | &nbsp;&nbsp;**100.00%** |

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**Overall Results Summary**

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| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**Fitch** |
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**# Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;54 | &nbsp;&nbsp;83.08% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;11 | &nbsp;&nbsp;16.92% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;N/A | &nbsp;&nbsp;- | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**65** | &nbsp;&nbsp;**100.00%** |

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**Data Results Summary**

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|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**# Loans with Discrepancy** | &nbsp;&nbsp;**Total Time Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;17 | &nbsp;&nbsp;65 | &nbsp;&nbsp;26.15% |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;8 | &nbsp;&nbsp;65 | &nbsp;&nbsp;12.31% |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;23 | &nbsp;&nbsp;65 | &nbsp;&nbsp;35.38% |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;44 | &nbsp;&nbsp;65 | &nbsp;&nbsp;67.69% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;17 | &nbsp;&nbsp;65 | &nbsp;&nbsp;26.15% |
| &nbsp;&nbsp;Index Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;65 | &nbsp;&nbsp;1.54% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;7 | &nbsp;&nbsp;65 | &nbsp;&nbsp;10.77% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;19 | &nbsp;&nbsp;65 | &nbsp;&nbsp;29.23% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;20 | &nbsp;&nbsp;65 | &nbsp;&nbsp;30.77% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;32 | &nbsp;&nbsp;65 | &nbsp;&nbsp;49.23% |
| &nbsp;&nbsp;Original Amortization Term | &nbsp;&nbsp;6 | &nbsp;&nbsp;65 | &nbsp;&nbsp;9.23% |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;65 | &nbsp;&nbsp;3.08% |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;3 | &nbsp;&nbsp;65 | &nbsp;&nbsp;4.62% |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;2 | &nbsp;&nbsp;65 | &nbsp;&nbsp;3.08% |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;3 | &nbsp;&nbsp;65 | &nbsp;&nbsp;4.62% |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;53 | &nbsp;&nbsp;65 | &nbsp;&nbsp;81.54% |
| &nbsp;&nbsp;PITI | &nbsp;&nbsp;60 | &nbsp;&nbsp;65 | &nbsp;&nbsp;92.31% |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;39 | &nbsp;&nbsp;65 | &nbsp;&nbsp;60.00% |
| &nbsp;&nbsp;Prepayment Penalty Type | &nbsp;&nbsp;34 | &nbsp;&nbsp;65 | &nbsp;&nbsp;52.31% |
| &nbsp;&nbsp;Product Code | &nbsp;&nbsp;31 | &nbsp;&nbsp;65 | &nbsp;&nbsp;47.69% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;1 | &nbsp;&nbsp;65 | &nbsp;&nbsp;1.54% |
| &nbsp;&nbsp;Property Street Address | &nbsp;&nbsp;5 | &nbsp;&nbsp;65 | &nbsp;&nbsp;7.69% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;27 | &nbsp;&nbsp;65 | &nbsp;&nbsp;41.54% |
| &nbsp;&nbsp;Property Zip | &nbsp;&nbsp;1 | &nbsp;&nbsp;65 | &nbsp;&nbsp;1.54% |
| &nbsp;&nbsp;QM Status | &nbsp;&nbsp;51 | &nbsp;&nbsp;65 | &nbsp;&nbsp;78.46% |
| &nbsp;&nbsp;Qualifying Credit Score | &nbsp;&nbsp;14 | &nbsp;&nbsp;65 | &nbsp;&nbsp;21.54% |
| &nbsp;&nbsp;Qualifying DTI | &nbsp;&nbsp;19 | &nbsp;&nbsp;65 | &nbsp;&nbsp;29.23% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;21 | &nbsp;&nbsp;65 | &nbsp;&nbsp;32.31% |
| &nbsp;&nbsp;Self-Employment Flag | &nbsp;&nbsp;10 | &nbsp;&nbsp;65 | &nbsp;&nbsp;15.38% |

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Forward Thinking. Seamless Solutions.

**APPENDIX A**

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

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

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

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty test; and

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

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

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

ii) compliance with the escrow account and appraisal requirements;

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**(VI) Document Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

*<u>Qualified Mortgage</u>*

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

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

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

The Review also includes determining, as applicable, whether a loan is a qualified mortgage as defined by the Department of Housing and Urban Development (24 C.F.R. 201 and 203 et seq.), and the Department of Veterans Affairs (38 C.F.R. Part 36 et seq.).

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

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

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

*Note*: for loans designated as QM – agency eligible, Evolve will not review for compliance with the requirements of Appendix Q or General Ability to Repay.

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

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

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

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

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

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

iv) with respect to a borrower that has waived the three (3) business day disclosure requirement, confirm that the borrower has signed the waiver or other acknowledgment at least three (3) business days prior to consummation; and (2) confirm that the lender has provided copies of appraisals and other written valuations at or prior to consummation.

**(XI) FIRREA Review**

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

**<u>FOR APPLICATION DATES ON OR AFTER OCTOBER 3, 2015</u>**

For mortgage loans with application dates on or after October 3, 2015 additional compliance testing was applicable and conducted by Evolve. Testing during this period included all items as referenced in the **FOR APPLICATION DATES BEFORE JANUARY 10, 2014 and FOR APPLICATION DATES ON OR AFTER JANUARY 10, 2014** sections above plus:

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

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

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

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

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

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

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

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

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

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v) confirm that any
 written estimate of terms or costs provided prior to receipt of a LE contained the required disclosures;

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

vii) confirm the presence and timely provision of a settlement service provider list (when consumer is given the opportunity to shop for services);

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

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

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

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

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

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

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

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

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

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

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

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

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

**(XIII) Document Review**

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Loan Estimates;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;■ Closing Disclosures;
 and

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

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## Exhibit 99.07

[MFA 2026-NQM2 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.07 - Schedule 1**

![](evolve-logo.jpg)

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| **Rating Agency Grades** |
| **Run Date - 04/30/2026 7:21:21 AM** |

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| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Original Loan Amount** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** | **DBRS** | **Fitch** | **Kroll** | **Moody's** | **S&P** |
| 1687767 | XXXXXXXXX | XXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1685084 | XXXXXXXXX | XXXXXXXXX | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1686358 | XXXXXXXXX | XXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1687145 | XXXXXXXXX | XXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1687615 | XXXXXXXXX | XXXXXXXXX | XXXXXX C | A | A | A | A | A C B | A | A | A | A | A B |
| 1686934 | XXXXXXXXX | XXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1687768 | XXXXXXXXX | XXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1684606 | XXXXXXXXX | XXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1685621 | XXXXXXXXX | XXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1687613 | XXXXXXXXX | XXXXXXXXX | XXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1686258 | XXXXXXXXX | XXXXXXXXX | XXXXXX C | C | C | C | C | C A | A | A | A | A | A |
| 1687245 | XXXXXXXXX | XXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1686933 | XXXXXXXXX | XXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1685618 | XXXXXXXXX | XXXXXXXXX | XXXXXX D | N/A | N/A | N/A | N/A | N/A D | N/A | N/A | N/A | N/A | N/A |
| 1685735 | XXXXXXXXX | XXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1687616 | XXXXXXXXX | XXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1687520 | XXXXXXXXX | XXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1687954 | XXXXXXXXX | XXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1687617 | XXXXXXXXX | XXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1688034 | XXXXXXXXX | XXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1687618 | XXXXXXXXX | XXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1687519 | XXXXXXXXX | XXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1685221 | XXXXXXXXX | XXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1686678 | XXXXXXXXX | XXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1684020 | XXXXXXXXX | XXXXXXX | XXXXXX C | C | C | C | C | C A | B | B | B | B | B A |
| 1686415 | XXXXXXXXX | XXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1687626 | XXXXXXXXX | XXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1685454 | XXXXXXXXX | XXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1687522 | XXXXXXXXX | XXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1681889 | XXXXXXXXX | XXXXXXXXX | XXXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1685082 | XXXXXXX | XXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1686289 | XXXXXXX | XXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1631398 | XXXXXXXXX | XXXXXXXXXXX | XXXXXXX C | A | A | A | A | A C | A | A | A | A | A |
| 1685449 | XXXXXXXXX | XXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1686526 | XXXXXXXXX | XXXXXXXXXXX | XXXXXX A | C | C | C | C | C A | A | A | A | A | A |
| 1687087 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1686929 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1685088 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | C | C | C | C | C A | B | B | B | B | B A |
| 1684353 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1683441 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1685738 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1685146 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1685396 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1685296 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1686990 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1685801 | XXXXXXXXX | XXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1686869 | XXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX A | A | A | A | A | A | A | A | A | A | A |
| 1685866 | XXXXXXXXX | XXXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1688119 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1687745 | XXXXXXXXXXXX | XXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1686296 | XXXXXXXXX | XXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1686433 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1686991 | XXXXX | XXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1685877 | XXXXX | XXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1686724 | XXXXX | XXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1683705 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1687487 | XXXXXXX | XXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1687551 | XXXXXXX | XXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1683315 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A B |
| 1684823 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1686954 | XXXXXXXXX | XXXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A B |
| 1685501 | XXXXXXXXX | XXXXXXXXXXX | XXXXXX A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| 1685143 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C | N/A | N/A | N/A | N/A | N/A |
| 1687451 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |
| 1687553 | XXXXXXXXXX | XXXXXXXXXX | XXXXXX C | N/A | N/A | N/A | N/A | N/A C B | N/A | N/A | N/A | N/A | N/A B |

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## Exhibit 99.07

[MFA 2026-NQM2 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.07 - Schedule 2**

![](evolve-logo.jpg)

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| |
|:---|
| **Exception Detail** |
| **Run Date - 04/30/2026 7:21:21 AM** |

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Exception ID** | **Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **Exception** | **Exception Detail** | **Exception Information** | **Exception Remediation** | **Compensating Factors** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Rating** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Compliance Initial Loan Grade** | **Compliance Final Loan Grade** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
| 1631398 | XXXXXXXXX | XXXXXXXXXXX | 7126857 | 336 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Borrower bonus income of XXXXXX a quarter x XXXXXXXXXXXXXXXXXXXXXX bonus income lower caused XXXX to increase over XXX | BX qualifying income of XXXXXXXXXXXXX salary and XXXXXXXXXXXX total XXXXXXXXXX plus XXX XXXXXXXX pay only of XXXXXXXX = XXXXXXXXXXXXXX XXXXXXXXXX XXXX is XXXXXX XXXXXXX XXXXXXX is mostly offset by auto allowance of XXXXXXXXXXXX leaving remainder XXXXXXXXXXXXXX as a liability. |  | Client 02/04/2025 10:25 AM; BX qualifying income of XXXXXXXXXXXXX salary and XXXXXXXXXXXX total XXXXXXXXXX plus XXX XXXXXXXX pay only of XXXXXXXX = XXXXXXXXXXXXXX XXXXXXXXXX XXXX is XXXXXX XXXXX that XXXXXXX XXXXXXX is mostly offset by auto allowance of XXXXXXXXXXXX leaving remainder XXXXXXXXXXXX as a liability.<br>Reviewer 02/04/2025 11:47 AM; <br>| 02/04/2025 |  | A | 1 | XXXXXXXXXX | CO | 1 | 13 C A | A | A |  | Non-QM | 1 |
| 1631398 | XXXXXXXXX | XXXXXXXXXXX | 7126858 | 336 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Co borrower paystubs evidenced XXXXXX of monthly income as XXXXXXXXXX pay differential- satisfactory evidence income will continue for at least XX years is required to be used in repayment. | Only XXXXXXXXXXXX regular salary is used for XX |  | Client 02/04/2025 10:26 AM; Only XXXXXXXXXX regular salary is used for XXXX resulting in XXXX XXXXX<br>Reviewer 02/04/2025 11:48 AM; <br>| 02/04/2025 |  | A | 1 | XXXXXXXXXX | CO | 1 | 13 C A | A | A |  | Non-QM | 1 |
| 1681889 | XXXXXXXXX | XXXXXXXXX | 7484049 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing final XXXXXXXXXXXXXXXXX stating the final interest rate of XXXXXXXX and principal and interest payment of XXXXXXXXXXXXX | Correct XXXXX provided |  | Client 01/06/2026 01:32 PM; XXXXXXXXX_XXXX_XXXXXXXXXXXX_XXXXXX.pdf - XXXXX uploaded XXXXXXX clear condition XXXXXX you for reviewing!<br>Reviewer 01/06/2026 01:45 PM; <br>| 01/06/2026 |  | A | 1 | XXXXXXXXXX | CA | 1 | 1 C A | A | A |  | Safe Harbor QM (APOR) | 1 |
| 1683315 | XXXXXXXXXXX | XXXXXXXXXXX | 7341243 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | The loan appears to be closing as an entity. XXXX owners are the borrower at XXXX and XXXXXXX XXXXXXXXXX at XXXXXX XXXX following documentation must be provided. XXXXXXX person with XXXX or more interest in the company must XXXXXXXXXXXX a loan application; and XXX a personal guarantor XXXX XXXX XXXX registration XXXX / XXXX for each XXXXXXXXXXXXXXXX XXXX XXXX XXXXXXXXXX XXXXXXXXXX for limited liability companies XXXXXXXX and partnerships; which clearly provides XXXXXXXXXXXXXX to borrower, mortgage, and pledge security; and XXXXXXXXXXX signer on behalf of and to bind the company. XXXXXXXXXXXXXXX of XXXXX XXXXXXXXX or XXXXXXX XXXXXXX XXXXXXX by the XXXXXXXXXX of XXXXXX from the state in which the entity was formed within the last XXX days confirming entity is authorized to do business, and is not dissolved, revoked, suspended, terminated. XXXX XXXXXXXX all XXXXXXXXXXX XXXXXXXXXXXXXX if issued by XXXXXX XXXX XXXXXXXXXXXX of XXXXXXXXXX | Reviewed and cleared by compliance. |  | Reviewer 12/09/2025 09:44 PM; Documents provided did not include the loan application for XXXXXXX XXXXXXXXXXX a personal XXXXXXXXX by XXXXXXX XXXXXXXXXXX XXXX XXXX registration XXXX / XXXX for each XXXXXXXXXXXXXXXXX XXXX XXXXXXXXXX XXXXXXXXXX for limited liability companies XXXXXXXX and partnerships; which clearly provides: XXXXXXXXXXXXXX to borrower, mortgage, and pledge security; and XXXXXXXXXXX signer on behalf of and to bind the company. <br>Reviewer 12/11/2025 04:28 PM; XXXXXXXXXX provided did not include the loan application for XXXXXXX XXXXXXXXXXX a personal XXXXXXXXX by XXXXXXX XXXXXXXXXXX XXXX XXXX registration XXXX / XXXX for each XXXXXXXXXXXXXXXXX XXXX XXXXXXXXXX XXXXXXXXXX for limited liability companies XXXXXXXX and partnerships; which clearly provides: XXXXXXXXXXXXXX to borrower, mortgage, and pledge security; and XXXXXXXXXXX signer on behalf of and to bind the company.<br>Reviewer 02/03/2026 01:05 PM; Received another note signed by XXXXXXXXXXX XXXX deed of trust is in the name of XXXXX XXXXXXXXX XXXXXXXX XXXXX XX XXXXXXXXXXX XXXXXXXX XXXXXXXXXX XXXXXXXXXX XXXXX being reviewed by XXXXXXXXXXXX<br>Client 02/03/2026 02:57 PM; Documents uploaded XXXX XXX XXXXXXXX deed of trust, revised prelim) reflect that the loan was re-recorded in personal name of XXXXX XXXXX as an individual. XX deed of trust executed by an individual person is not effective unless that person is the sole owner of the property. XXXXXXX condition for copy of the recorded deed transferring title from the XXXX to XXXXX XXXXX (note: it must executed by XXXX members of the XXXXX<br>Reviewer 02/03/2026 03:36 PM; Documents uploaded XXXXXXXX deed of trust, revised prelim) reflect that the loan was re-recorded in personal name of XXXXX XXXXX as an individual. XX deed of trust executed by an individual person is not effective unless that person is the sole owner of the property. XXXXXXXX a copy of the recorded deed transferring title from the XXXX to XXXXX XXXXX (note: it must be executed by XXXX members of the XXXXX<br>Reviewer 02/03/2026 03:36 PM; <br>Reviewer 02/04/2026 12:22 PM; Grant deed uploaded is not signed by all members of the XXX<br>Reviewer 02/11/2026 10:11 AM; In review with XXXXXXX compliance - XXXXXX XXXXX was recorded after closing.<br>| 02/11/2026 |  | A | 1 | XXXXXXXXXX | CA | 3 | 3 C B A | N/A | N/A C B |  | Exempt | 1 |
| 1683315 | XXXXXXXXXXX | XXXXXXXXXXX | 7341151 | 1108 | XXXXXXXXXX | Valuation | UW Collateral TPR |  | UW Collateral TPR - UW - Second collateral evaluation is required. |  | Provide secondary valuation as XXX score is > XXXXXXX XXX score is at XXXXXX | Received XXX |  |  | 12/09/2025 |  | B | 2 | XXXXXXXXXX | CA | 3 | 3 C B A | N/A | N/A C B |  | Exempt | 1 |
| 1683315 | XXXXXXXXXXX | XXXXXXXXXXX | 7341152 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Provide XXXXX XXXXX XXXXXXXXXXXXXXX XXXXX will assess the lock for accuracy prior to finalizing the loan purchase. | Received XXXXX XXXXX confirmation |  |  | 12/09/2025 |  | A | 1 | XXXXXXXXXX | CA | 3 | 3 C B A | N/A | N/A C B |  | Exempt | 1 |
| 1683315 | XXXXXXXXXXX | XXXXXXXXXXX | 7341153 | 272 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | The subject property is unique. XXXXXX are no other recent sales or rental comps within the past two years with a similar lot size within the subject''''s market neighborhood. |  | Client waived with compensating factors: XXXX XXXXX score is XXXX with a minimum score required of XXXXXX XXXX is XXXX with a max XXXX of XXXXXX |  |  |  | 12/08/2025 B | 2 | XXXXXXXXXX | CA | 3 | 3 C B A | N/A | N/A C B |  | Exempt | 1 |
| 1683315 | XXXXXXXXXXX | XXXXXXXXXXX | 7341197 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing the XXXXXXXXXXXXX of the mortgage for the subject property with XXXX XXXXXXX XXXXXXXXXX XXXXXX XXXXXX the XXXXX program the mortgage must be verified with lates no worse than XXXXXXXXX | Received mortgage history |  |  | 12/09/2025 |  | A | 1 | XXXXXXXXXX | CA | 3 | 3 C B A | N/A | N/A C B |  | Exempt | 1 |
| 1683315 | XXXXXXXXXXX | XXXXXXXXXXX | 7320802 | 72 | XXXXXXXXXX | Credit | Closing Package |  | Closing Package - |  | Loan must contain the XXXXX XXXXX confirmation | Information provided |  |  | 12/09/2025 |  | A | 1 | XXXXXXXXXX | CA | 3 | 3 C B A | N/A | N/A C B |  | Exempt | 1 |
| 1683315 | XXXXXXXXXXX | XXXXXXXXXXX | 7320803 | 72 | XXXXXXXXXX | Credit | Closing Package |  | Closing Package - |  | Please provide the XXXXXXXXX XXXXXXXXX for XXXXX XXXXXX | Information provided |  |  | 12/15/2025 |  | A | 1 | XXXXXXXXXX | CA | 3 | 3 C B A | N/A | N/A C B |  | Exempt | 1 |
| 1683315 | XXXXXXXXXXX | XXXXXXXXXXX | 7320891 | 868 | XXXXXXXXXX | Credit | Hazard Insurance |  | Hazard Insurance - Other: |  | Hazard XXXXXXX is expiring on XXXXXXXXXXXX please provide updated policy. | Information provided |  |  | 01/27/2026 |  | A | 1 | XXXXXXXXXX | CA | 3 | 3 C B A | N/A | N/A C B |  | Exempt | 1 |
| 1683441 | XXXXXXXXXX | XXXXXXXXXX | 7350293 | 875 | XXXXXXXXXX | Credit | Disclosure |  | Disclosure - Other: |  | Loan must contain the XXXXX XXXXX confirmation. XXXXXXXX XXXXX XXXXX XXXXXXXXXXXXXXX | Information provided |  |  | 12/15/2025 |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 1683441 | XXXXXXXXXX | XXXXXXXXXX | 7358339 | 258 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal - Completion Certification |  | Missing XXXXX XXXXXX confirming that all construction has been completed | Received XXXXX |  |  | 12/11/2025 |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 C A | N/A | N/A C |  | Exempt | 1 |
| 1684020 | XXXXXXXXX | XXXXXXX | 7419210 | 884 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 02/10/2026 |  | A | 1 | XXXXXXXXXX | AL | 2 | 1 C B A | C | B A |  | Non-QM | 1 |
| 1684020 | XXXXXXXXX | XXXXXXX | 7419211 | 897 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID CD- Other |  | Need proof of receipt of the XXXXXX XXXX | disclosure tracking provided showing not disclosed |  |  | 12/30/2025 |  | A | 1 | XXXXXXXXXX | AL | 2 | 1 C B A | C | B A |  | Non-QM | 1 |
| 1684020 | XXXXXXXXX | XXXXXXX | 7419212 | 898 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID- Fee Tolerance Violation |  | Loan is failing XXX tolerance for a XXXXXX ques fee added to XXXX XX of the XXXXXX XXXXX XXXXXXXXXX amount is XXXXXXXXXXXX XXXXX a XXXXX with cure, lox to borrower, proof of refund, and evidence of payment shipped, all within XXX days of consummation XXXXXXX |  |  | Reviewer 01/06/2026 10:57 AM; Received email however this will not suffice as a XXXX for the addition of the XXXXXX questionnaire fee. <br>Client 01/14/2026 01:43 PM; Please provide XXXXXXX report - it appears there may be some XXXX missing from the file per the email chain seller uploaded XXXXXX XXXXX to see XXXXXXX report to understand need for refund <br>Reviewer 01/14/2026 01:53 PM; <br>Reviewer 01/15/2026 11:01 AM; XXXXX is failing XXX tolerance for a XXXXXX ques fee added to XXXX XX of the XXXXXX XXX (no coc in file reflecting valid reason for addition of fee). XXXXXXXXXX amount is XXXXXXXXXXXX XXXXX a XXXXX with cure, lox to borrower, proof of refund, and evidence of payment shipped, all within XXX days of consummation XXXXXXX<br>Reviewer 01/15/2026 11:51 AM; Hello <br> XXXX test has been uploaded. XXXX file does not contain a coc listing a valid reason for the addition of the XXXXXX XXXXXXXXXXXXXX XXXXXXX<br>XXXXXX<br>Reviewer 02/02/2026 12:55 PM; Loan is failing XXX tolerance for a XXXXXX questionnaire fee added the XXXXXX XXX (no coc in file reflecting valid reason for addition of fee). XXXXXXXXXX amount is XXXXXXXXXXXX XXXXX a XXXXX with cure, lox to borrower, proof of refund, and evidence of payment shipped, all within XXX days of consummation XXXXXXX<br>|  | 02/10/2026 | B | 2 | XXXXXXXXXX | AL | 2 | 1 C B A | C | B A |  | Non-QM | 1 |
| 1684020 | XXXXXXXXX | XXXXXXX | 7455656 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing the XXXXX to XXXXXXXXXXXX XXXXXXXX XXXXXXXXXX purchasing a second / vacation home must execute a XXXXX to XXXXXXXXXXXX XXXXXX as a part of the loan documents. | not required for XXXX home |  |  | 12/30/2025 |  | A | 1 | XXXXXXXXXX | AL | 2 | 1 C B A | C | B A |  | Non-QM | 1 |
| 1684020 | XXXXXXXXX | XXXXXXX | 7419213 | 1058 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - Need Evidence of Borrower Intent to Proceed |  |  | Information provided |  |  | 12/30/2025 |  | A | 1 | XXXXXXXXXX | AL | 2 | 1 C B A | C | B A |  | Non-QM | 1 |
| 1684353 | XXXXXXXXXX | XXXXXXXXXX | 7411378 | 824 | XXXXXXXXXX | Credit | Title Policy |  | Title Policy - is missing. Final ALTA title policy required. |  | Please provide the title policy. |  |  | Client 12/24/2025 09:08 AM; This is a trailing document. XXX do not get the XXXXXX XXXXXX XXXXXXX in the closing package. XXXXXXX clear.<br>Reviewer 12/24/2025 09:17 AM; <br>Reviewer 12/24/2025 10:39 AM; Hello <br> XXXX file was missing the prelim title, this was uploaded today and has been cleared. <br>XXXXXX<br>| 12/24/2025 |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1684353 | XXXXXXXXXX | XXXXXXXXXX | 7418777 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing XXXXX rate lock confirmation | Received XXXXX XXXXX confirmation |  |  | 12/24/2025 |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1684353 | XXXXXXXXXX | XXXXXXXXXX | 7418778 | 320 | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | Missing the most recent XXXX statements for XXXXX XXXXXXX and XXXXX XXXXXXX confirming account balances of XXXXXXXXXXXX and XXXXXXXXXXXXX as stated on the final XXXXXX | Received XXXX statement for both accounts |  |  | 12/24/2025 |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1684823 | XXXXXXXXXXX | XXXXXXXXXXX | 7514271 | 72 | XXXXXXXXXX | Credit | Closing Package |  | Closing Package - |  | Please provide the XXXXXXXXX XXXXXXXXX for XXXXXX XX XXXXXX |  |  |  | 01/27/2026 |  | A | 1 | XXXXXXXXXX | WA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1684823 | XXXXXXXXXXX | XXXXXXXXXXX | 7514273 | 72 | XXXXXXXXXX | Credit | Closing Package |  | Closing Package - |  | Loan must contain the XXXXX XXXXX confirmation. | Information provided |  |  | 01/08/2026 |  | A | 1 | XXXXXXXXXX | WA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1684823 | XXXXXXXXXXX | XXXXXXXXXXX | 7551576 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXXXXX XXXXX XXXXX XXXXXXXXXXXXXXX XXXXX will assess the lock for accuracy prior to finalizing the loan purchase. |  | Exception approval received for XXXX XXXX cash out refi investment. XXXXX XXXXXXXX - XXXX XXXXXX max- XXXXX XXXXXXX XXXX minimum XXXXX | Reviewer 01/08/2026 06:01 PM; The XXXXX received reflects a loan amount of XXXXXXXXXX and the loan amount is XXXXXXXXX<br>Reviewer 01/12/2026 11:56 AM; The XXXX XXXXXXXXXX XXXXXXXX XXXXX is missing the XXXXX XXXXXXXXXX XXXXXXXXX <br>|  |  | 01/16/2026 B | 2 | XXXXXXXXXX | WA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1684823 | XXXXXXXXXXX | XXXXXXXXXXX | 7551577 | 336 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Missing the XXXXXXX of explanation from the borrower is required explaining their business name, what their business does, the number of employees, how it is set up XXXXXXXXXXXXXXXX XXXXX XXXXX XXXXXXXXXXXXXX | Received XXXXXXXXX XXXXXXXXXXX |  |  | 01/08/2026 |  | A | 1 | XXXXXXXXXX | WA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1684823 | XXXXXXXXXXX | XXXXXXXXXXX | 7551578 | 350 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW - LTV/CLTV does not meet parameters |  | The loan is over the maximum XXXX of XXXX for a cash out refinance of an investment property under the XXXX XXXXXX XXXXXXXXX XXXX program. XXXX loan is at an XXXX XXXXXX XXXXXXXX the exception approval with compensating factors for an XXXX XXXXX |  | Exception approval received by XXXXX for XXXX XXXX XXXXX out XXXXXX compensating XXXXXXXX - XXXX XXXXXXX XXXX XXXXX XXXXX XXXXX min XXXXX reserves= XXXXXXXXX min XX months = XXXXXXXX |  |  |  | 01/07/2026 B | 2 | XXXXXXXXXX | WA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1684823 | XXXXXXXXXXX | XXXXXXXXXXX | 7551823 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing either XXXX card or XXXXXXX results. | Received XXXX match |  |  | 01/08/2026 |  | A | 1 | XXXXXXXXXX | WA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1684823 | XXXXXXXXXXX | XXXXXXXXXXX | 7551906 | 336 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Missing fully executed lease signed by all parties for the subject property. XXXX lease in the file is unsigned. XXXXXXXXXXXXXX missing evidence that the XXXXX months rent and the deposit both for XXXXXXXX were paid. XXXXX XXXXX approval for lease on the subject property. XXXXXXXXXXXXXXX in the file made reference to an approval for the new lease on subject; however there was not a formal exception approval in the file. | Lease and security deposit provided XXXXXX months rent was not required per exception. |  | Reviewer 01/16/2026 11:33 AM; XXXXXXXX the deposit and XXXXX months rent verification<br>Reviewer 01/22/2026 06:04 PM; Lease was received. XXXX not receive the rental deposit of XXXXXXX and XXXXX month''''s rent of XXXXXXXX as requested on XXXXXX<br>Reviewer 02/06/2026 05:31 PM; Security deposit was changed to XXXXXXXX on lease. XXXXXXXXX evidence of receipt of security deposit. XXXX not receive the XXXX month''''s rental receipt of XXXXXXX<br>Client 02/10/2026 02:13 PM; <br>Client 02/10/2026 02:14 PM; Good afternoon XXXXXX<br>XXX looks like the loan is still suspended for proof of rent receipt however, we closed the loan based on your exception approval, see below, which clearly states XXXXXXX and XXXXXX of XXXXXXXXXXX <br> XXXX rent income is not being used and all we needed to do was prove the home was rented out. <br> XXXX is proof of rent still being added in when it was not on your exception approval? <br> XXX is so difficult to ask for additional items from our XXXX X<br>Client 02/10/2026 03:50 PM; Fully executed lease and XXXXXXXXX deposit for XXXXXXXX was uploaded on XXXXXX XXXX lease has an electronic signature by the tenants. XXXXXXX review and clear deficiency.<br>Reviewer 02/10/2026 04:08 PM; <br>Reviewer 02/10/2026 04:08 PM; <br>Reviewer 02/10/2026 04:09 PM; <br>| 02/10/2026 |  | A | 1 | XXXXXXXXXX | WA | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1685084 | XXXXXXXXX | XXXXXXXXX | 7583750 | 327 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Rental |  | XX-month XXXXXXXXXXXXX of rent missing from the file. | Transaction history XXXXXXXXXXXXX |  | Reviewer 01/30/2026 11:31 AM; The document provided reflects only XX months rent- XXXX XXXXX - XXXXX XXXX<br>| 02/04/2026 |  | A | 1 | XXXXXXXXXX | GA | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1685084 | XXXXXXXXX | XXXXXXXXX | 7583751 | 320 | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | Wire confirmation of gift XXXXXXX from XXXXXXXX XXXXX missing from file. | Received wire for gift |  |  | 01/15/2026 |  | A | 1 | XXXXXXXXXX | GA | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1685084 | XXXXXXXXX | XXXXXXXXX | 7583752 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Loan approval missing from file. | Loan approval received. |  |  | 01/11/2026 |  | A | 1 | XXXXXXXXXX | GA | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1685088 | XXXXXXXXXX | XXXXXXXXXX | 7586491 | 1080 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - - State Regulations Restricted Fees Fail |  | This loan fails the XXXXXX XXXXXXX XXXXX XXXXXXX and XXXXX XXXXXXXXXXX by XXXXXXXXXXXXX XXXXXXX provide evidence of refund along with XXXX to borrower and XXXXX reflecting cure. XXXX must be issued within XXX days of consummation | Finding cured. |  | Client 01/20/2026 12:00 PM; The XXXXXXXXX XXXXX is not lower than the XXXXX XXXXXXX XXXX both the previously provided <br> XXXXXXX and XXXXX the XXXXXXXXX XXXXXXXXX XXXXX is XXXXXX and the XXXXX XXXXX is XXXXXXXX XXXXXX we please get <br> clarification on this restip, or have this prioritized for re-review as we feel the previously submitted <br> documentation should be su<br>Reviewer 01/20/2026 12:32 PM; <br>Reviewer 01/21/2026 11:36 AM; This loan fails the XXXXXX XXXXXXX XXXXX XXXXXXX and XXXXX XXXXXXXXXXX by XXXXXXXXXXXXX XXXXXXX provide evidence of refund along with XXXX to borrower and XXXXX reflecting cure. XXXX must be issued within XXX days of consummation<br>Reviewer 01/21/2026 11:42 AM; Hello <br> XXXX comments about the starting rate have been removed. XXXXX is still failing the XXX XXXXX XXXXXXX XXXXXXX and XXXXX by XXXXXXXXXXXXXX<br>XXXXXX<br>Client 01/21/2026 11:51 AM; Hello! XXXX you please provide a breakdown of how you are getting those numbers? XXXX our XXXXXXXX XXX discount points should be exluded based on XXXXX and starting adjusted rate. XXXXXX you!<br>Reviewer 01/21/2026 12:08 PM; <br>Reviewer 01/21/2026 12:12 PM; Hello <br> XXXXX uploaded the test to the loan for your review. XXXXX are the fees that are included. XXXXXXXXXXXXXXXXXXXXXXXXXXXX <br> XXXXXXXXXXXXXXXXXXXXXXXXXXXXXX <br> XXXXXXXXXXXXXXXXXXXXX <br> XXXXXXXXXXXXXXXXXXXXXXXXX <br> XXXXXXXXXXXXXXXXXXXXXXXXXXXXX <br> XXXXXXXXXXXXXXXXXXXXXXX <br> XXXXXXXXXXXXXXXXXXXXXXXXXXX <br> XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX <br> XXXXXXXXXXXXXXXXXXXXXXXX <br> XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX <br> XXXXXXXXXXXXXXXXXXXXX <br> XXXXXXXXXXXXXXXX <br> XXXXXXXXXXXX<br>Client 02/04/2026 02:41 PM; is seller still able to cure with XXXXX and refund as it is now out of the XXX day window? XXX not, what would be the cure<br>Reviewer 02/04/2026 03:23 PM; <br>Reviewer 02/05/2026 12:49 PM; Hello <br> XXXX this can still be refunded. XXX this is cured within XXX days of XXXXXXXXXXX it will grade as a XX if cured. <br>XXXXXXX <br>Client 02/10/2026 06:08 PM; docs uploaded for review<br>Reviewer 02/10/2026 06:24 PM; <br>Reviewer 02/11/2026 12:14 PM; Hello <br> XXXXX has been cleared. <br>XXXXXX<br>|  | 02/11/2026 | B | 2 | XXXXXXXXXX | TX | 1 | 13 C B A | C | B A |  | Non-QM | 1 |
| 1685088 | XXXXXXXXXX | XXXXXXXXXX | 7553627 | 1055 | XXXXXXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | The credit report is missing from the loan file. XXXX credit review is on hold until documents are received. | documents received |  |  | 01/06/2026 |  | A | 1 | XXXXXXXXXX | TX | 1 | 13 C B A | C | B A |  | Non-QM | 1 |
| 1685088 | XXXXXXXXXX | XXXXXXXXXX | 7547162 | 884 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Testing complete |  |  | 02/11/2026 |  | A | 1 | XXXXXXXXXX | TX | 1 | 13 C B A | C | B A |  | Non-QM | 1 |
| 1685088 | XXXXXXXXXX | XXXXXXXXXX | 7547163 | 970 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - CD- Missing |  | Initial XXX is missing. | Information provided |  |  | 01/08/2026 |  | A | 1 | XXXXXXXXXX | TX | 1 | 13 C B A | C | B A |  | Non-QM | 1 |
| 1685088 | XXXXXXXXXX | XXXXXXXXXX | 8145695 | 1061 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID Fee Tolerance Violation cured more than 60 days post consummation |  |  | within XXX days of discovery |  |  |  | 02/11/2026 | B | 2 | XXXXXXXXXX | TX | 1 | 13 C B A | C | B A |  | Non-QM | 1 |
| 1685143 | XXXXXXXXXX | XXXXXXXXXX | 7518932 | 4 | XXXXXXXXXX | Credit | Application |  | Application - Addendum to 1003 is missing |  | Please provide initial application for proof of initial application date. | Information provided |  |  | 01/08/2026 |  | A | 1 | XXXXXXXXXX | FL | 3 | 3 C A | N/A | N/A |  | Exempt | 1 |
| 1685143 | XXXXXXXXXX | XXXXXXXXXX | 7518933 | 72 | XXXXXXXXXX | Credit | Closing Package |  | Closing Package - |  | Please provide the lender''''s approval. | Information provided |  |  | 01/08/2026 |  | A | 1 | XXXXXXXXXX | FL | 3 | 3 C A | N/A | N/A |  | Exempt | 1 |
| 1685143 | XXXXXXXXXX | XXXXXXXXXX | 7563206 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing the borrrowers government issued identification. | Received XXX and XXXXXXXX XXXX form was in the file |  |  | 01/07/2026 |  | A | 1 | XXXXXXXXXX | FL | 3 | 3 C A | N/A | N/A |  | Exempt | 1 |
| 1685146 | XXXXXXXXXX | XXXXXXXXXX | 7562061 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing XXXX XXXXX or XXXXXXX results. XXXXXXXXX for all borrowers. | Received XXXX match |  |  | 01/08/2026 |  | A | 1 | XXXXXXXXXX | AL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1685146 | XXXXXXXXXX | XXXXXXXXXX | 7553461 | 9 | XXXXXXXXXX | Credit | Application |  | Application - is missing |  | Initial XXXXXXXXXXXX is missing from file. XXXXXXX provide initial application, with initial application date, signed by borrower and XXXX |  |  | Client 01/14/2026 08:34 PM; this was uploaded on XXXX - please advise/clear<br>Reviewer 01/15/2026 04:25 AM; <br>Reviewer 01/15/2026 12:01 PM; Hello <br> XXXXX has been cleared. <br>XXXXXX<br>| 01/15/2026 |  | A | 1 | XXXXXXXXXX | AL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1685221 | XXXXXXXXX | XXXXXXXXXX | 7558750 | 322 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit - Minimum FICO |  | The qualifying XXXXX score is XXXX and guidelines require a minimum XXXX XXXXX score for XXXXXX XXXXXXXXXXXX |  | Client waived with compensating factors: XXXXXX XXXXX when XXXXXX is required; XXXXXXX mos reserves when XX mos required; XXXXXXXXXX current mtg pymt history. | Client 01/06/2026 08:47 AM; <br>Client 01/06/2026 08:50 AM; XXXXXXXXX_X pt fico exception XXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXX XXX - please see exception uploaded for XX pt fico exception. XXXXXXX clear thank you for reviewing!<br>Reviewer 01/06/2026 09:12 AM; <br>Reviewer 01/06/2026 11:54 AM; <br>Reviewer 01/06/2026 01:36 PM; Hello <br> XXXXXXX team has addressed this. <br>XXXXXX<br>|  |  | 01/06/2026 B | 2 | XXXXXXXXXX | TX | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1685221 | XXXXXXXXX | XXXXXXXXXX | 7558918 | 1055 | XXXXXXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | The final XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | CD provided |  |  | 01/06/2026 |  | A | 1 | XXXXXXXXXX | TX | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1685221 | XXXXXXXXX | XXXXXXXXXX | 7559575 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | The loan closed in the name of an XXXX and all persons with XXXX or more interest in the XXXX did not complete a loan application as required by the vesting guidelines but only signed the XXXXXXXXX XXXXXXXXXX |  | Client waived with compensating factors: XXXXXX XXXXX when XXXXXX is required; XXXXXXX mos reserves when XX mos required; XXXXXXXXXX current mtg pymt history. |  |  |  | 01/06/2026 B | 2 | XXXXXXXXXX | TX | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1685296 | XXXXXXXXXX | XXXXXXXXXX | 7572978 | 875 | XXXXXXXXXX | Credit | Disclosure |  | Disclosure - Other: |  | Loan must contain the XXXXX XXXXX confirmation. XXXXXXX provide XXXXX XXXXX XXXXXXXXXXXXXX | Information provided |  |  | 01/12/2026 |  | A | 1 | XXXXXXXXXX | FL | 3 | 13 C A | N/A | N/A C |  | Exempt | 1 |
| 1685296 | XXXXXXXXXX | XXXXXXXXXX | 7582751 | 1108 | XXXXXXXXXX | Valuation | UW Collateral TPR |  | UW Collateral TPR - UW - Second collateral evaluation is required. |  | Provide a secondary valuation as a XXX score was not determined. | Received XXX |  |  | 01/14/2026 |  | A | 1 | XXXXXXXXXX | FL | 3 | 13 C A | N/A | N/A C |  | Exempt | 1 |
| 1685396 | XXXXXXXXXX | XXXXXXXXXX | 7587683 | 72 | XXXXXXXXXX | Credit | Closing Package |  | Closing Package - |  | Loan closes in an XXXXXX XXXXX is missing XXXX documents. XXXXXXX provide XXXXXXXXXX XXXXXXXXXX and XXXXXXXXX of XXXXXXXXXXXXX for XXXXX | Per client |  | Reviewer 01/12/2026 11:41 AM; Articles of organization is still needed <br>Client 01/21/2026 12:00 PM; Will the XXXXXXXXXXXX of XXXXXXXXXX not suffice for this?<br>Reviewer 01/21/2026 12:08 PM; <br>Reviewer 01/22/2026 11:23 AM; <br>| 01/22/2026 |  | A | 1 | XXXXXXXXXX | WA | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1685396 | XXXXXXXXXX | XXXXXXXXXX | 7587684 | 875 | XXXXXXXXXX | Credit | Disclosure |  | Disclosure - Other: |  | Loan must contain the XXXXX XXXXX confirmation. XXXXX lock confirmation is missing from file. XXXXXXX provide XXXXX lock confirmation | Information provided |  |  | 01/12/2026 |  | A | 1 | XXXXXXXXXX | WA | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1685396 | XXXXXXXXXX | XXXXXXXXXX | 7595000 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | EIN # for XXXXXX XXXXXXXXX XXXXXXXXXXX XXXX missing from the file. | Received XXXX for XXXXXXX XXXXXXXXX XXXXXXXXXXXX XXX |  |  | 01/12/2026 |  | A | 1 | XXXXXXXXXX | WA | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1685396 | XXXXXXXXXX | XXXXXXXXXX | 7595001 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Certificate of XXXXX XXXXXXXXX for XXXXXXX XXXXXXXXX XXXXXXXXXXX XXXX missing from the file. | Received XXXXXXXXXXX state XXXX for business |  |  | 01/12/2026 |  | A | 1 | XXXXXXXXXX | WA | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1685396 | XXXXXXXXXX | XXXXXXXXXX | 7599667 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Articles of XXXX for XXXXXXX XXXXXXXXX XXXXXXXXXXX XXXX missing from the file. | Received the XXXXXXXXXXXX of XXXXXXXXXXX |  |  | 01/12/2026 |  | A | 1 | XXXXXXXXXX | WA | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1685396 | XXXXXXXXXX | XXXXXXXXXX | 7599757 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Operating XXXXXXXXXX verifying XXXXXXXXXXXXXX percent of ownership and purpose including real estate for XXXXXXX XXXXXXXXX XXXXXXXXXXX XXXX missing from the file. | State of XXX XXXXXXXXXXXX of XXXXXXXXXXXX reflects XXXXXXXXXXXXXX names that match the XXXXXXXXXX XXXXXXXXXX that is signed by both parties. |  | Reviewer 01/12/2026 10:38 AM; An XXXX from the borrower is required explaining their business name, what their business does, the number of employees. XXXXX any person with XXXX or more interest in the company must - XXXXXXXXX a loan application; and XXX a personal guarantor. XXXX personal guaranty is in the file for XXXXXXXX XXXXXXXX XXXXXXXX the XXXXX loan application for XXXXXXXX XXXXXX XXXX owner of XXXXXX <br>| 01/20/2026 |  | A | 1 | XXXXXXXXXX | WA | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1685449 | XXXXXXXXX | XXXXXXXXXXX | 7752407 | 272 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Provide an appraisal review or secondary valuation in accordance with guidelines. XXXXX the initial appraisal was provided. | provided XXX score X |  | Client 01/23/2026 11:59 AM; XXXXXXXXX_Appraisal XXXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXX XXXXXXXXXXXXXX uploaded please clear. XXXXXX you for reviewing!<br>Reviewer 01/23/2026 12:24 PM; <br>| 01/23/2026 |  | A | 1 | XXXXXXXXXX | TN | 3 | 13 C A | N/A | N/A C |  | Exempt | 1 |
| 1685618 | XXXXXXXXX | XXXXXXXXX | 7674169 | 435 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit report is expired |  | Provide a credit report that is dated under XXX days from the closing date of the loan. the credit report in the file is dated XXXXXXXXXXX and expired XXXXXXXXXXX XXXX note date is XXXXXXXX | Received credit refresh |  |  | 01/16/2026 |  | A | 1 | XXXXXXXXXX | GA | 3 | 1 D A | N/A | N/A |  | Exempt | 1 |
| 1685735 | XXXXXXXXX | XXXXXXXXX | 7685107 | 418 | XXXXXXXXXX | Credit | UW Collateral |  | UW Collateral - UW - Client Condo Warranty Requirements |  | Missing the XXXXXX XXXXXXXXX documentation and approval required for all warrantable condominiums. | Financials, XXXXXXXX XXXXXXXX XXXXXXXXX XXXXXXXXXXXX XXXXXXX provided |  |  | 01/20/2026 |  | A | 1 | XXXXXXXXXX | FL | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1685866 | XXXXXXXXX | XXXXXXXXXXXXXX | 7774371 | 320 | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | Missing two of the most recent consecutive monthly statements from all accounts used to document at least XXXXXXXXXXXXXX in funds for closing. XXXX final XXXXX shows balances in the following accounts XXXXXXXX XXXXXXX XXXXXXX XXXXXXXXXXXXXX XXXXXXX XXXXXXX XXXXXXXXXXXXXXX XXXXX of XXXXXXXX XXXXXXX XXXXXXXXXXXX and XXXXXX XXXXXXX XXXXXXXXXXXX XXXXXX are not any XXXX statements in the file. | XXX statement XXXXXXXXXXXXX provided XXXX XXXXXXXXXXXX |  |  | 01/26/2026 |  | A | 1 | XXXXXXXXXX | GA | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1685866 | XXXXXXXXX | XXXXXXXXXXXXXX | 7774245 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing personal guaranty form that is signed by the borrower and with all required fields to completed, including the name of the borrowing entity clearly stated. XX form in the file is signed but there are a number of incomplete fields | Received XXXXXXXXX XXXXXXXX |  |  | 01/24/2026 |  | A | 1 | XXXXXXXXXX | GA | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1685877 | XXXXX | XXXXX | 7774246 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | The borrower is a XXXXXXXXXXXXXXXXXXXXXXX alien with XX credit score which requires a XXX month housing history. XXXX borrower owns the primary residence free and clear. XXXXXXXX an exception for less than a XXXXXXXX mortgage history. | Primary purchased XXXXXXXXX XXX liens |  | Client 01/23/2026 01:15 PM; If the borrower owns primary res X<br>Reviewer 01/23/2026 01:26 PM; If the borrower owns primary res X<br>Reviewer 01/23/2026 01:27 PM; Condition has been XXXXXXXXXXX XXXXXXXX proof borrower's primary has owned X<br>| 01/26/2026 |  | A | 1 | XXXXXXXXXX | OH | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1685877 | XXXXX | XXXXX | 7774120 | 350 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW - LTV/CLTV does not meet parameters |  | The LTV on this loan is 65% which exceeds the maximum LTV of 60%. The loan is a cash out refinance under and the borrower is a Non-Permanent Resident Alien with an ITIN and a credit score of 672. |  | Client waived with compensating factors: XXXX borrower has a XXXXX of XXXXXX and the minimum XXXXX is XXXXXXX XXXX borrower has reserves of XXXXXXXXXXXXXX or XXX months. XXXX required reserves are XXXX XXXX borrower is an experienced investor. |  |  |  | 01/22/2026 B | 2 | XXXXXXXXXX | OH | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1686258 | XXXXXXXXX | XXXXXXXXX | 7851639 | 185 | XXXXXXXXXX | Credit | Flood Certificate |  | Flood Certificate - Flood insurance is required - Flood policy missing |  | Please provide the flood policy, application is not acceptable. | Information provided |  |  | 02/11/2026 |  | A | 1 | XXXXXXXXXX | FL | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1686258 | XXXXXXXXX | XXXXXXXXX | 7851640 | 971 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - CD- Missing CD Signed by borrower |  | Please provide the final XXXXXXXX XXXXXXXXXXX signed at consummation. | Information provided |  |  | 01/29/2026 |  | A | 1 | XXXXXXXXXX | FL | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1686289 | XXXXXXX | XXXXXXX | 7784928 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Business XXXXXXXX XXXXX XXXXXXXXXXXXXX and XXXXXXXXXXXX missing from the file. | Received XXXXXXXXX XXXXXXXX XXXXX XXXXXXXXXXXXXX and XXXXXXXXXXXX |  |  | 01/27/2026 |  | A | 1 | XXXXXXXXXX | TX | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1686289 | XXXXXXX | XXXXXXX | 7784929 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | The flood certification is missing from the file. | Received XXXXXX XXXX |  |  | 01/28/2026 |  | A | 1 | XXXXXXXXXX | TX | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1686289 | XXXXXXX | XXXXXXX | 7784930 | 414 | XXXXXXXXXX | Credit | UW Collateral |  | UW Collateral - UW - New Construction Documentation |  | Certificate of XXXXXXXXXXX issued by the county for new construction i missing from the file. | Received inspection passed XXXXXXX |  |  | 02/05/2026 |  | A | 1 | XXXXXXXXXX | TX | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1686289 | XXXXXXX | XXXXXXX | 7784931 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | X months rent loss is required and missing from the file. | Received XXXX with XX months rent loss coverage |  |  | 01/28/2026 |  | A | 1 | XXXXXXXXXX | TX | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1686289 | XXXXXXX | XXXXXXX | 7784932 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Purchase XXXXXXXXXX is missing from the file. | Received ratified purchase agreement |  | Reviewer 01/26/2026 10:45 AM; The document provided failed to load. XXXXXXX resubmit<br>| 01/27/2026 |  | A | 1 | XXXXXXXXXX | TX | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1686289 | XXXXXXX | XXXXXXX | 7787047 | 1055 | XXXXXXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | The initial loan application, final loan application and purchase agreement are missing from the loan file. XXXX credit review is on hold until documents are received. | Documents received. |  |  | 01/26/2026 |  | A | 1 | XXXXXXXXXX | TX | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1686289 | XXXXXXX | XXXXXXX | 7842803 | 327 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Rental |  | XX XXXXXXXX rating for primary residence missing from the file. | Received lease and XXX |  |  | 01/28/2026 |  | A | 1 | XXXXXXXXXX | TX | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1686289 | XXXXXXX | XXXXXXX | 7842805 | 851 | XXXXXXXXXX | Credit | UW Qualifications |  | UW Qualifications - UW – Exception needed |  | XXXXX time homebuyers are ineligible for XXXXXXX XXXX application does not disclose if the XXXXXXXXXX rent or own. XXXXXX are no mortgages or XXXX properties reflected on the fraud report. | Received property detail report for XXXX XXXXXXXXX XXX reflects prior ownership |  |  | 01/28/2026 |  | A | 1 | XXXXXXXXXX | TX | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1686289 | XXXXXXX | XXXXXXX | 7842806 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | The final XXXXX is missing from the file. | Received final XXXX |  | Reviewer 01/29/2026 11:50 AM; The document received is the XXXXXXXX XXXXXX sheet and not the final XXXXXX<br>| 02/02/2026 |  | A | 1 | XXXXXXXXXX | TX | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1686289 | XXXXXXX | XXXXXXX | 7771993 | 9 | XXXXXXXXXX | Credit | Application |  | Application - is missing |  | Please provide the applications, no images in file. XXXXX initial application for proof of initial application date. | Information provided |  |  | 01/26/2026 |  | A | 1 | XXXXXXXXXX | TX | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1686289 | XXXXXXX | XXXXXXX | 7771994 | 187 | XXXXXXXXXX | Credit | Flood Certificate |  | Flood Certificate - is missing. |  | Please provide the flood certificate. | Information provided |  |  | 01/29/2026 |  | A | 1 | XXXXXXXXXX | TX | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1686289 | XXXXXXX | XXXXXXX | 7771995 | 666 | XXXXXXXXXX | Credit | Sales Contract |  | Sales Contract - Compliance \ Sales Contract missing |  | Please provide the sales contract/ purchase agreement. | Information provided |  |  | 01/27/2026 |  | A | 1 | XXXXXXXXXX | TX | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1686296 | XXXXXXXXX | XXXXXXXXXX | 8035603 | 7 | XXXXXXXXXX | Credit | Application |  | Application - Completed, signed, initial application for all applicant not in file |  | Initial application must be signed by borrower and XXXX | XXXX received |  |  | 02/10/2026 |  | A | 1 | XXXXXXXXXX | IN | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1686296 | XXXXXXXXX | XXXXXXXXXX | 8035604 | 72 | XXXXXXXXXX | Credit | Closing Package |  | Closing Package - |  | Please provide the XXXXXXXXX XXXXXXXX XXXXXXXXXXX | Documents received |  |  | 02/10/2026 |  | A | 1 | XXXXXXXXXX | IN | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1686358 | XXXXXXXXX | XXXXXXXXX | 7852633 | 72 | XXXXXXXXXX | Credit | Closing Package |  | Closing Package - |  | Please provide the personal guaranty for XXX XXXXX XXXXXXXXX | Guaranty received |  | Client 01/28/2026 07:30 AM; Hi team, can you please clarify if the guarantee is actually needed? XXXX signed the note as an individual as well as the XXXXXX XX XXXXXX this negates the need for the guarantee per other files we have with XXXXX that have the individual and XXXX on the XXXXXXX XXXXXXXX <br>Reviewer 01/28/2026 07:31 AM; <br>Reviewer 01/28/2026 11:01 AM; Hello <br> XXXXX has been cleared, no XXX needed due to borrower signing both as individual and managing member. <br>XXXXXX<br>| 01/28/2026 |  | A | 1 | XXXXXXXXXX | WA | 3 | 3 C A | N/A | N/A |  | Exempt | 1 |
| 1686415 | XXXXXXXXX | XXXXXXX | 8109784 | 346 | XXXXXXXXXX | Credit | UW Other |  | UW Other - UW - Complete Purchase Agreement |  | Loan did not close in the name of trust. XXXXXXXX an addendum to the purchase contract substituting the borrowers as trustees with the borrowers as individuals. | Received contract addendum |  | Reviewer 02/18/2026 09:43 AM; Document received did not include a sales addendum for the borrowers'''' names.<br>| 02/22/2026 |  | A | 1 | XXXXXXXXXX | CA | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1686415 | XXXXXXXXX | XXXXXXX | 8109785 | 346 | XXXXXXXXXX | Credit | UW Other |  | UW Other - UW - Complete Purchase Agreement |  | The XXXXXX XXXXXX on the XXXXXX XXX is XXXXXXXXXXXX XXXXXXXX an addendum to the XXXXXXXXX contract lowering the sales XXXXX from XXXXXXXXXX to XXXXXXXXXXX | Received sales addendum |  |  | 02/18/2026 |  | A | 1 | XXXXXXXXXX | CA | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1686433 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 7870407 | 7 | XXXXXXXXXX | Credit | Application |  | Application - Completed, signed, initial application for all applicant not in file |  | Initial application must be signed by borrower and XXXX | Information provided |  | Client 02/13/2026 04:53 PM; uploaded<br>Reviewer 02/13/2026 05:46 PM; <br>Reviewer 02/17/2026 11:59 AM; <br>| 02/17/2026 |  | A | 1 | XXXXXXXXXX | HI | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1686526 | XXXXXXXXX | XXXXXXXXXXX | 8260310 | 884 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - Pending Internal completion of compliance fee tests. Additional conditions may apply. |  |  | Information provided |  |  | 02/20/2026 |  | A | 1 | XXXXXXXXXX | MO | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1686526 | XXXXXXXXX | XXXXXXXXXXX | 8260311 | 894 | XXXXXXXXXX | Compliance | Compliance |  | Compliance - TRID LE- Other |  | Missing XXX only XXXXXXXX are provided. | Information provided |  |  | 02/20/2026 |  | A | 1 | XXXXXXXXXX | MO | 1 | 1 C A | C | A |  | Non-QM | 1 |
| 1686678 | XXXXXXXXX | XXXXXXXXXXXX | 8116628 | 184 | XXXXXXXXXX | Credit | Flood Certificate |  | Flood Certificate - Property address incorrect or missing |  | Please provide updated flood certificate with the full address as listed on the title. XXXXX XX XXXX XXX XX XXXX XXXX XXXXX XXXX |  |  |  | 02/11/2026 |  | A | 1 | XXXXXXXXXX | CA | 3 | 13 C A | N/A | N/A C |  | Exempt | 1 |
| 1686678 | XXXXXXXXX | XXXXXXXXXXXX | 8116629 | 205 | XXXXXXXXXX | Credit | Hazard Insurance |  | Hazard Insurance - property address is incorrect. |  | Please provide updated hazard policy with the full address as listed on the title. XXXXX XX XXXX XXX XX XXXX XXXX XXXXX XXXX |  |  |  | 02/11/2026 |  | A | 1 | XXXXXXXXXX | CA | 3 | 13 C A | N/A | N/A C |  | Exempt | 1 |
| 1686678 | XXXXXXXXX | XXXXXXXXXXXX | 8124531 | 272 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Final XXX shows the appraised prop value as XXXXXXX when the actual appraised prop value is XXXXXXXX | Received XXXXX with value of XXXXXXXXX |  |  | 02/11/2026 |  | A | 1 | XXXXXXXXXX | CA | 3 | 13 C A | N/A | N/A C |  | Exempt | 1 |
| 1686724 | XXXXX | XXXXX | 8007628 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing signed personal guaranty from all members with a XXXX or more interest in the entity. XXXXXXXXXXXXXX spouse has a XXXX interest in the entity. XX personal guaranty from the spouse is not in the file along with not having a signed initial XXXXXXXXXXXXXXXXX and credit report. | Personal guaranty, signed commercial application and credit report provided. |  |  | 02/04/2026 |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1686724 | XXXXX | XXXXX | 7988267 | 875 | XXXXXXXXXX | Credit | Disclosure |  | Disclosure - Other: |  | Loan closes in an XXXX and the XXXX was formed in a state other than where the business is taking place. XXXXXXX provide a XXXXXXXXXXXX of XXXXXXXX XXXXXXXXXXXXXXX | Information provided |  |  | 02/19/2026 |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1686929 | XXXXXXXXXX | XXXXXXXXXX | 7995726 | 336 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXX loan closed as a XXX month business XXXX statement loan and the final XXXXX indicated that a XXXX expense rate was used in the calculation of income. XXXX income worksheet used a XXX business expense. XXXX guideline states that using less than a XXXX expense rate requires validation by a XXXX or XXXX preparer and no evidence of that validation is in the file. XXXXXXX clarify the use of XXX business expense rate and or exception approval from XXXXXX | Cleared received docs updated credit report and reduced income. |  | Reviewer 02/03/2026 06:58 PM; Please return to original XXX upon receipt.<br>Reviewer 02/06/2026 12:38 PM; documents provided were XXXX statements that were included in the original submission.<br>Reviewer 02/08/2026 09:21 AM; received updated income on XXXXXXX XXXXX returned to XXXXXXX XXX for review.<br>| 02/09/2026 |  | A | 1 | XXXXXXXXXX | TX | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1686929 | XXXXXXXXXX | XXXXXXXXXX | 7995727 | 336 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXXXXXX the business narrative or XXX XXXX from the borrower explaining their business name, what their business does, the number of employees, how it is set up. XXXXXXXXX under the XXX month business XXXX statement program. | Received business narrative. |  |  | 02/10/2026 |  | A | 1 | XXXXXXXXXX | TX | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1686929 | XXXXXXXXXX | XXXXXXXXXX | 7995728 | 389 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Fraud Alert documentation |  | XXXXXXXX the XXXXXX XXXXXX documentation with all XXXXXXX and XXXXX XXXXXXX addressed. | Received complete fraud report |  | Reviewer 02/09/2026 10:30 AM; Documents provided did not include the fraud report<br>Reviewer 02/19/2026 12:13 PM; Document received was the XXXXXXX XXXXXXXX from XXXXX XXXXXXXX XXXXXXX provide the complete fraud report from XXXXX XXXXX<br>| 02/19/2026 |  | A | 1 | XXXXXXXXXX | TX | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1686929 | XXXXXXXXXX | XXXXXXXXXX | 7986410 | 875 | XXXXXXXXXX | Credit | Disclosure |  | Disclosure - Other: |  | XXXXX XXXXXXXXXXXXX shows a XXXX of XX years but XXXXXXXXX to XXXXX and XXXX XXXXXX show a XXXX of XX year. XXXXXXX provide an updated XXXXX XXXXX XXXXXXXXXXXXX with the correct XXXXX | Lock received |  | Client 02/09/2026 07:58 PM; updated lock uploaded<br>Reviewer 02/10/2026 04:50 AM; <br>Reviewer 02/10/2026 12:41 PM; Hello <br> XXXXX has been cleared. <br>XXXXXX<br>| 02/10/2026 |  | A | 1 | XXXXXXXXXX | TX | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1686933 | XXXXXXXXX | XXXXXXXXX | 8043986 | 1108 | XXXXXXXXXX | Valuation | UW Collateral TPR |  | UW Collateral TPR - UW - Second collateral evaluation is required. |  | Missing desk review. XXXXXX is a bill in the file from XXXXXX XXXXXXXX for a review but it is not in the file | Received XXX |  |  | 02/09/2026 |  | A | 1 | XXXXXXXXXX | CA | 3 | 13 C A | N/A | N/A C |  | Exempt | 1 |
| 1686933 | XXXXXXXXX | XXXXXXXXX | 8043987 | 328 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Mortgage |  | Missing canceled checks evidencing satisfactory payments from the private mortgages held by XXXXXXXX XXXXXXX XXXX and XXXXXX XXXXXXXX as required by guidelines | Received XXXXX for both properties. XXXXXXXX property market rent was used which was the conservative approach. |  | Client 02/12/2026 10:54 AM; Hey team! XXX this one, the rent used to calculate the XXXXX was the market rent per the appraisal which is XXXX more conservative than actual rents per XXXXXXX printout. <br>XXXXX an XXX cert stating this suffice? XXXX XXXXXXX income wasn't used to qualify. XXX was used to show earnings exceeding the conservative market rent as an excellent compensating factor. <br>Reviewer 02/12/2026 12:18 PM; <br>| 02/12/2026 |  | A | 1 | XXXXXXXXXX | CA | 3 | 13 C A | N/A | N/A C |  | Exempt | 1 |
| 1686954 | XXXXXXXXX | XXXXXXXXXXX | 8146989 | 7 | XXXXXXXXXX | Credit | Application |  | Application - Completed, signed, initial application for all applicant not in file |  | Initial application must be signed by borrower and XXXXX XXXXXXX provide the initial application for proof of the initial application date. | Information provided |  | Reviewer 02/18/2026 09:09 AM; Final XXXXX signed at closing was provided. XXXXXX need initial application signed at application by XXX and XXXXXXXX<br>| 02/20/2026 |  | A | 1 | XXXXXXXXXX | WI | 3 | 13 C B A | N/A | N/A C B |  | Exempt | 1 |
| 1686954 | XXXXXXXXX | XXXXXXXXXXX | 8163046 | 272 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | Appraiser included the below grade unit in the total room count. XXXXX finished above grade areas should be counted and basements should not be included. |  | Client waived with compensating factors: XXXXXX XXXXXX XXXXXXX mos reserves when XX mos are required; XXXX XXXXX when the min XXXXX is XXXXX |  |  |  | 02/12/2026 B | 2 | XXXXXXXXXX | WI | 3 | 13 C B A | N/A | N/A C B |  | Exempt | 1 |
| 1686991 | XXXXX | XXXXX | 8030462 | 1055 | XXXXXXXXXX | Credit | Missing Images |  | Missing Images - Loan Review is not Final. On Hold for Missing Critical Documentation |  | The signed final XXX is missing from the loan file. XXXX credit review is on hold until documents are received. | HUD in file |  | Client 02/06/2026 05:25 AM; This is a business purpose loan and a XXX is not required. XXXXXX is an XXXXX XXXXXXXXXXX XXXXXXXXXX which is sufficient for this loan. <br>Reviewer 02/06/2026 07:50 AM; <br>| 02/12/2026 |  | A | 1 | XXXXXXXXXX | IN | 3 | 1 A | N/A | N/A |  | Exempt | 1 |
| 1687087 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 8051483 | 272 | XXXXXXXXXX | Valuation | UW Collateral |  | UW Collateral - UW - Appraisal Other |  | The file is missing the list of improvement made to the subject property since purchasing in XXXXX XXXXXXX XX list of improvements is required when using the appraised value of property purchased XXX mos but XXXX mos prior. | List of improvements and pictures provided |  |  | 02/13/2026 |  | A | 1 | XXXXXXXXXX | CA | 3 | 3 C A | N/A | N/A C |  | Exempt | 1 |
| 1687145 | XXXXXXXXX | XXXXXXXXX | 8124668 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Exception approval is required on a cashout refinance of a vacant investment property under the XXXXX program with a credit score under XXXXXX XXXXXXX score is XXXXXX XXXX other guideline requirements have been met XXXXXXX over XXXXXXX XX months reserves, maximum XXXX XXXX and ownership over XXX months). |  | Exception approval received for vacant property fico score of XXXX - minimum XXXXXX compensating XXXXXXXX - XXXXX XXXXXXXX minimum XXXXXXXX XXXX XXXX max XXXXX XXXXXXXXX - XXX months - XXXXXXXX XX months. |  |  |  | 02/10/2026 B | 2 | XXXXXXXXXX | FL | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1687245 | XXXXXXXXX | XXXXXXXXX | 8148229 | 7 | XXXXXXXXXX | Credit | Application |  | Application - Completed, signed, initial application for all applicant not in file |  | Initial application in file is not signed by XXXXX XXXXXXX provide initial application, signed by XXXX | Information provided |  |  | 02/17/2026 |  | A | 1 | XXXXXXXXXX | TX | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1687451 | XXXXXXXXXX | XXXXXXXXXX | 8146990 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing the borrower''''s government-issued XXX required for all XXXXXXX XXXXXXXXXXX | Copy of XXX XXXXXXX XXXXXXXX provided |  |  | 02/12/2026 |  | A | 1 | XXXXXXXXXX | NY | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1687451 | XXXXXXXXXX | XXXXXXXXXX | 8146572 | 322 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit - Minimum FICO |  | The property is rural and the borrower does not meet the minimum XXXXX score of XXXX for rural properties. XXXX borrowers XXXXX is XXXXX |  | Client waived with compensating factors: XXXX borrower has XXXXXXXXXXXXXX in reserves or XXXX months and the required reserves are XXXX XXXX borrower is an experienced investor with XX other investment properties. XXXX XXXX is XXXXXXXX with the maximum XXXX of XXX |  |  |  | 02/11/2026 B | 2 | XXXXXXXXXX | NY | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1687487 | XXXXXXX | XXXXXXX | 8151249 | 9 | XXXXXXXXXX | Credit | Application |  | Application - is missing |  | Please provide initial application, dated and signed by XXXXXXXXX and XXXXX | XXXX received |  |  | 02/17/2026 |  | A | 1 | XXXXXXXXXX | MD | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1687487 | XXXXXXX | XXXXXXX | 8151387 | 973 | XXXXXXXXXX | Credit | Compliance |  | Compliance - CD- Other |  | Escrows on XXX do not equal initial deposit shown on XXX or XXXXXX due to an incorrect aggregate adjustment. XXXXXXX provide updated XXX with corrected escrow section. | Updated documents received |  |  | 02/17/2026 |  | A | 1 | XXXXXXXXXX | MD | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1687519 | XXXXXXXXX | XXXXXXXXX | 8164967 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing XXXXXXXXX XXXXXXXXX for the borrowing entity signed by the borrower. | XXXXXXXXX signed note as individual along with XXXXX |  | Client 02/13/2026 02:31 PM; Hi team - bwr signed note as individual along with XXXXX we shouldnt need the guarantee. XXXXXXXX <br>Reviewer 02/13/2026 04:01 PM; <br>| 02/13/2026 |  | A | 1 | XXXXXXXXXX | CA | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1687520 | XXXXXXXXX | XXXXXXXXX | 8262154 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing the borrowers State issued Identification from the file. Please submit. | Received XX |  |  | 02/18/2026 |  | A | 1 | XXXXXXXXXX | MA | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |
| 1687551 | XXXXXXX | XXXXXXX | 8170225 | 875 | XXXXXXXXXX | Credit | Disclosure |  | Disclosure - Other: |  | Loan closes in an XXXXX XXXXXXXXX of XXXXXXXXXXXXX are required. XXXXXXX provide XXXXXXXXX of XXXXXXXXXXXXX for XXXXX | Docs received |  |  | 02/17/2026 |  | A | 1 | XXXXXXXXXX | CT | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1687551 | XXXXXXX | XXXXXXX | 8170226 | 957 | XXXXXXXXXX | Credit | Closing Package |  | Closing Package - First Payment Letter Missing or Incorrect |  | Total payment does not match the calculated payment. XXXXXXX provide corrected XXXXXX XXXXXXXX XXXXXXXX | Updated letter provided |  |  | 02/17/2026 |  | A | 1 | XXXXXXXXXX | CT | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1687551 | XXXXXXX | XXXXXXX | 8186456 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing personal guaranty with signature page which is signed by the borrower. XXXX guaranty in the file is missing the signature page. | Received signature page |  |  | 02/17/2026 |  | A | 1 | XXXXXXXXXX | CT | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1687551 | XXXXXXX | XXXXXXX | 8186594 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing a hazard policy having rental loss coverage presenting at least six months. | Received XX months coverage of rent loss |  |  | 02/17/2026 |  | A | 1 | XXXXXXXXXX | CT | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1687553 | XXXXXXXXXX | XXXXXXXXXX | 8188245 | 323 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Requirements for Program |  | Exception approval is required for a cashout refinance on rural property having a credit score under XXXXXX XXXXXXX is XXXXX |  | Approval granted for a cashout refinance on rural property having a credit score under XXXXXX XXXXXXXXXXXXX factors are XXXX XXXX XXXX is XXXX below the maximum allowable XXXX XXXX XXXX XXXXX of XXXXXX is above the minimum requirement of XXXXX of XXXXX XXXX post-closing assets represent XXX months. |  |  |  | 02/13/2026 B | 2 | XXXXXXXXXX | TX | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1687553 | XXXXXXXXXX | XXXXXXXXXX | 8188246 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Missing final XXXXXXXXXXXXXXXX | Received XXXX |  |  | 02/17/2026 |  | A | 1 | XXXXXXXXXX | TX | 3 | 13 C B | N/A | N/A |  | Exempt | 1 |
| 1687613 | XXXXXXXXX | XXXXXXXXX | 8260877 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | Loan approval missing from the file. | Loan XXXXXXXXX provided |  |  | 02/18/2026 |  | A | 1 | XXXXXXXXXX | TX | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1687613 | XXXXXXXXX | XXXXXXXXX | 8261019 | 320 | XXXXXXXXXX | Credit | UW Assets |  | UW Assets - UW - Asset Other |  | X months reserve required for XXXXXXXXXX XXXX XXXXXX XXXXXXXXX is short XX months reserve. XXXXXXXXX reserves XXXXXXXXXXXXX verified reserves XXXXXXXXXXXX = short XXXXXXXXXXXX | XXXXXXXXXXX XXXXXXXXXX XXXXX XXXXXXXXXXX XXXXX cleared prior to balance XXXXXXX XXXXXX XXXXXXXXXXXXX XXXXXXXX XXXXXXXXXX XXXXXXXXXXXXX XXXXXXXXX = XXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX XXXXXXXXXXXXX leaves XXXXXXXXXXX |  | Client 02/18/2026 01:26 PM; hi team- XXXX the reserves, XX also see we are meeting the XX months reserve requirement as required per XXXXXXX guidelines. XXXXXXX see my below calculation: <br>XXXXXX funds verified: XXXXXXXXXXXXX XXXXXXXXXXXXXX in XXXXXX savings XXXXXXXXXXXXX in XXXXXX checking XXXXXXXXXXXX in XXXXX XXXX checking XXXXXXXXXXXXX in XXXXXXXXXX stock account = XXXXXXXXXXXXXXXX<br> XXXXXX funds required to close per final settlement statement: XXXXXXXXXXXXX XXXXXX is already showing c<br>Reviewer 02/18/2026 02:24 PM; Condition has been reviewed <br>| 02/18/2026 |  | A | 1 | XXXXXXXXXX | TX | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1687613 | XXXXXXXXX | XXXXXXXXX | 8261021 | 336 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | XXXX statement analysis missing from the file. | XXXX statement worksheet provided |  |  | 02/18/2026 |  | A | 1 | XXXXXXXXXX | TX | 1 | 1 C A | A | A |  | Non-QM | 1 |
| 1687615 | XXXXXXXXX | XXXXXXXXX | 8285197 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | XXXXXXXX the XXXXXXXXXXXX XXXXXXX XXXXXXXX XXXXXXXXX or XXXXXXX results. XXXXXXX submit. | Received XXXX XXXXX |  |  | 02/23/2026 |  | A | 1 | XXXXXXXXXX | IL | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1687615 | XXXXXXXXX | XXXXXXXXX | 8286465 | 327 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Satisfactory 12 mth Rental |  | XXXXXXXX the exception approval for lack of XXX months cancelled checks as proof of rent paid. XXXX borrower rented the previous primary from an individual landlord. XXX months cancelled checks are required as proof of rent paid under the XXXXXXXXXX program. XXXXXXXXXXXXXXX in the file indicated that an exception was requested. XXXXXXX provide the exception approval. XXXXXX XXXXXX XXXXX XXXXXXXXXXX without a verified XXX month credit history are limited to a max XXXX XXXXX and a XXXX XXXXX to income ratio. |  | Client waived with compensating factors: XXXXX score is XXXX XXXXX points above minimum), credit depth of over XXXXXXXX with no derogatory, XXXXX years of management rental payment on time, residual income of XXXXXXXXXXX XXXXXXXXXXXXX required), XXXX is XXXXXXXX XXXXXXXXX lower than max). | Client 02/24/2026 07:11 AM; Hi team, the exception approval is on the last page of the uploaded email chain. <br>Reviewer 02/24/2026 11:36 AM; <br>|  |  | 02/24/2026 B | 2 | XXXXXXXXXX | IL | 1 | 1 C B | A | A |  | Non-QM | 1 |
| 1687954 | XXXXXXXXX | XXXXXXXXX | 8400987 | 330 | XXXXXXXXXX | Credit | UW Credit |  | UW Credit - UW - Credit Other |  | The XXXXXXXXXXX XXXXXXXXXX is missing a disbursement date and escrow officer signature. XXXXXXXX a certified and fully executed XXXXXX XXXXXXXXXXX XXXXXXXXXXX | Signed XXXX provided |  | Client 02/24/2026 02:57 PM; Hi team, the final XXXX signed by all parties has been uploaded. thanks! <br>Reviewer 02/25/2026 07:33 AM; <br>| 02/24/2026 |  | A | 1 | XXXXXXXXXX | FL | 3 | 1 C A | N/A | N/A |  | Exempt | 1 |
| 1688119 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | 8423333 | 336 | XXXXXXXXXX | Credit | UW Income/Employment |  | UW Income/Employment - UW - Income Other |  | Missing lease agreement dated XXXXXXXXXXX that is signed by all parties with monthly rent of XXXXXXXXXXX XXXX copy of the lease in the file is unsigned. | Signed lease received. |  |  | 02/26/2026 |  | A | 1 | XXXXXXXXXX | WA | 3 | 13 C A | N/A | N/A |  | Exempt | 1 |

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## Exhibit 99.07

[MFA 2026-NQM2 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.07 - Schedule 3**

![](evolve-logo.jpg)

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| |
|:---|
| **Valuation Report** |
| **Run Date - 04/30/2026 7:21:21 AM** |

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| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **Desk Top Review Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Values** | **Updated Multi Property Values** | **Updated Multi Property Values** | **Updated Multi Property Values** | | |
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Appraised Value** | **Value for LTV** | **Appraisal Date** | **Appraisal Type** | **Appraisal Company** | **Appraiser Name** | **Appraiser State License Number** | **Second Appraisal Value** | **Variance Amount** | **Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** |
| 1687767 | XXXXXXXXX | XXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1685084 | XXXXXXXXX | XXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1686358 | XXXXXXXXX | XXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1687145 | XXXXXXXXX | XXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1687615 | XXXXXXXXX | XXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | Moderate | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1686934 | XXXXXXXXX | XXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1687768 | XXXXXXXXX | XXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.4 |
| 1684606 | XXXXXXXXX | XXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | Clear Capital | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.3 |
| 1685621 | XXXXXXXXX | XXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.7 |
| 1687613 | XXXXXXXXX | XXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1686258 | XXXXXXXXX | XXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1687245 | XXXXXXXXX | XXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | Low Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686933 | XXXXXXXXX | XXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | Moderate | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1685618 | XXXXXXXXX | XXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1685735 | XXXXXXXXX | XXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1687616 | XXXXXXXXX | XXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1687520 | XXXXXXXXX | XXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -2.39% | Clear Capital | Moderate | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687954 | XXXXXXXXX | XXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687617 | XXXXXXXXX | XXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.1 |
| 1688034 | XXXXXXXXX | XXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | Moderate | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.6 |
| 1687618 | XXXXXXXXX | XXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX | XXXXXX | -7.48% | Clear Capital | High Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687519 | XXXXXXXXX | XXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1685221 | XXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004C | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Stewart | Reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686678 | XXXXXXXXX | XXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Stewart | Reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1684020 | XXXXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1686415 | XXXXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Stewart | Reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1687626 | XXXXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1685454 | XXXXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.9 |
| 1687522 | XXXXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.5 |
| 1681889 | XXXXXXXXX | XXXXXXXXX | XXXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1685082 | XXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.2 |
| 1686289 | XXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1631398 | XXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXX | XXX | XXX | XXXXXXX | XXXXXX | 26.32% | XXXXXXXX | 1004 |  |  |  |  |  |  | XXXXXXX |  | 0.00% | Stewart | reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.8 |
| 1685449 | XXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1686526 | XXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1687087 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1686929 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | Low Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.8 |
| 1685088 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1684353 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1683441 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1685738 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1685146 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | Low Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1685396 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1685296 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | Moderate | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686990 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1685801 | XXXXXXXXX | XXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1686869 | XXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 2.5 |
| 1685866 | XXXXXXXXX | XXXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1688119 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXX | XXXXXXX |  | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | Clear Capital | Moderate | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 5 |
| 1687745 | XXXXXXXXXXXX | XXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | 1004 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXXX |  | 0.00% | Clear Capital | Moderate Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.9 |
| 1686296 | XXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.2 |
| 1686433 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | Moderate | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 3.3 |
| 1686991 | XXXXX | XXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Stewart | Reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1685877 | XXXXX | XXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Stewart | Reasonable | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686724 | XXXXX | XXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1683705 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | XXXXXXXX | XXXXXX | XXXXXXX | XXXXXXX | XXXXXXX | XXXXXXXX | 1073 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.6 |
| 1687487 | XXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1.6 |
| 1687551 | XXXXXXX | XXXXXXX | XXXXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | Moderate | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1683315 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 4 |
| 1684823 | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | Low Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1686954 | XXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | Moderate Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1685501 | XXXXXXXXX | XXXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1025 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | Moderate Risk | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |
| 1685143 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1687451 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004 | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A | 1 |
| 1687553 | XXXXXXXXXX | XXXXXXXXXX | XXXXXXXX | XXXXXX |  | XXXXXX | XXXXXX | XXXXXXXX | 1004C | XXX | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  | XXXXXX |  | 0.00% | Clear Capital | Low | XXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |

---

## Exhibit 99.07

[MFA 2026-NQM2 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.07 - Schedule 4**

![](evolve-logo.jpg)

---

| |
|:---|
| **Data Compare** |
| **Run Date - 04/30/2026 7:21:21 AM** |

---

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Comment** |
| 1687767 | XXXXXXXXX | XXXXXXXXX | Doc Type | Bank Statements 12 Months | Bank Statement | Verified |
| 1687767 | XXXXXXXXX | XXXXXXXXX | Occupancy | PrimaryResidence | Primary | Verified |
| 1687767 | XXXXXXXXX | XXXXXXXXX | Original P&I |  | 3426.31 | Verified |
| 1687767 | XXXXXXXXX | XXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1687767 | XXXXXXXXX | XXXXXXXXX | Prepayment Penalty |  | N | Verified |
| 1687767 | XXXXXXXXX | XXXXXXXXX | Product Code | Bank Statements 12 Months | Bk St- 12 mos | Verified |
| 1687767 | XXXXXXXXX | XXXXXXXXX | Qualifying DTI | 24.75400 | 0.24754 | Verified |
| 1685084 | XXXXXXXXX | XXXXXXXXX | Doc Type | Profit & Loss 12 Month | P&L | Verified |
| 1685084 | XXXXXXXXX | XXXXXXXXX | Occupancy | PrimaryResidence | Primary | Verified |
| 1685084 | XXXXXXXXX | XXXXXXXXX | Original P&I |  | 1585.88 | Verified |
| 1685084 | XXXXXXXXX | XXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1685084 | XXXXXXXXX | XXXXXXXXX | Prepayment Penalty |  | N | Verified |
| 1685084 | XXXXXXXXX | XXXXXXXXX | Property Type | XXX | XXX | Verified |
| 1686358 | XXXXXXXXX | XXXXXXXXX | Doc Type | DSCR | Debt Service Coverage | Verified |
| 1686358 | XXXXXXXXX | XXXXXXXXX | Loan Purpose | Refinance - Cash Out | Refinance (Refi) No - Limited Cash Out | Verified |
| 1686358 | XXXXXXXXX | XXXXXXXXX | Occupancy | Investor | Investment | Verified |
| 1686358 | XXXXXXXXX | XXXXXXXXX | Original P&I |  | 1395.97 | Verified |
| 1686358 | XXXXXXXXX | XXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1686358 | XXXXXXXXX | XXXXXXXXX | Prepayment Penalty |  | Y | Verified |
| 1686358 | XXXXXXXXX | XXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1686358 | XXXXXXXXX | XXXXXXXXX | Product Code | DSCR | DSCR-Inv | Verified |
| 1686358 | XXXXXXXXX | XXXXXXXXX | Property Street Address | XXX | XXX | Verified |
| 1686358 | XXXXXXXXX | XXXXXXXXX | Property Type | XXX | XXX | Verified |
| 1686358 | XXXXXXXXX | XXXXXXXXX | QM Status | NON-QM | Exempt | Verified |
| 1687145 | XXXXXXXXX | XXXXXXXXX | Qualifying Credit Score | XXX | XXX | Verified |
| 1687145 | XXXXXXXXX | XXXXXXXXX | DSCR | 1.150 | 1.190 | Verified |
| 1687145 | XXXXXXXXX | XXXXXXXXX | Doc Type | DSCR | Debt Service Coverage | Verified |
| 1687145 | XXXXXXXXX | XXXXXXXXX | Occupancy | Investor | Investment | Verified |
| 1687145 | XXXXXXXXX | XXXXXXXXX | Original P&I |  | 1074.62 | Verified |
| 1687145 | XXXXXXXXX | XXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1687145 | XXXXXXXXX | XXXXXXXXX | Prepayment Penalty |  | Y | Verified |
| 1687145 | XXXXXXXXX | XXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1687145 | XXXXXXXXX | XXXXXXXXX | Product Code | DSCR | DSCR-Inv | Verified |
| 1687145 | XXXXXXXXX | XXXXXXXXX | QM Status | NON-QM | Exempt | Verified |
| 1687615 | XXXXXXXXX | XXXXXXXXX | Doc Type | Bank Statements 12 Months | Bank Statement | Verified |
| 1687615 | XXXXXXXXX | XXXXXXXXX | Occupancy | PrimaryResidence | Primary | Verified |
| 1687615 | XXXXXXXXX | XXXXXXXXX | Original P&I |  | 3173.99 | Verified |
| 1687615 | XXXXXXXXX | XXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1687615 | XXXXXXXXX | XXXXXXXXX | Prepayment Penalty |  | N | Verified |
| 1687615 | XXXXXXXXX | XXXXXXXXX | Product Code | Bank Statements 12 Months | Bk St- 12 mos | Verified |
| 1687615 | XXXXXXXXX | XXXXXXXXX | Qualifying DTI | 44.70100 | 0.44701 | Verified |
| 1686934 | XXXXXXXXX | XXXXXXXXX | Occupancy | PrimaryResidence | Primary | Verified |
| 1686934 | XXXXXXXXX | XXXXXXXXX | Original P&I |  | 1626.26 | Verified |
| 1686934 | XXXXXXXXX | XXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1686934 | XXXXXXXXX | XXXXXXXXX | Prepayment Penalty |  | N | Verified |
| 1686934 | XXXXXXXXX | XXXXXXXXX | Qualifying DTI | 44.99400 | 0.44994 | Verified |
| 1687768 | XXXXXXXXX | XXXXXXXXX | Doc Type | Bank Statements 12 Months | Bank Statement | Verified |
| 1687768 | XXXXXXXXX | XXXXXXXXX | Occupancy | PrimaryResidence | Primary | Verified |
| 1687768 | XXXXXXXXX | XXXXXXXXX | Original P&I |  | 1734.29 | Verified |
| 1687768 | XXXXXXXXX | XXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1687768 | XXXXXXXXX | XXXXXXXXX | Prepayment Penalty |  | N | Verified |
| 1687768 | XXXXXXXXX | XXXXXXXXX | Product Code | Bank Statements 12 Months | Bk St- 12 mos | Verified |
| 1687768 | XXXXXXXXX | XXXXXXXXX | Qualifying DTI | 33.14800 | 0.34512 | Verified |
| 1684606 | XXXXXXXXX | XXXXXXXXX | Doc Type | Asset Depletion No DTI | Asset Depletion | Verified |
| 1684606 | XXXXXXXXX | XXXXXXXXX | Occupancy | PrimaryResidence | Primary | Verified |
| 1684606 | XXXXXXXXX | XXXXXXXXX | Original P&I |  | 5908.73 | Verified |
| 1684606 | XXXXXXXXX | XXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1684606 | XXXXXXXXX | XXXXXXXXX | Prepayment Penalty |  | N | Verified |
| 1684606 | XXXXXXXXX | XXXXXXXXX | Product Code | Asset Depletion No DTI | ATR Full | Verified |
| 1684606 | XXXXXXXXX | XXXXXXXXX | Property Type | XXX | XXX | Verified |
| 1685621 | XXXXXXXXX | XXXXXXXXX | DSCR | 1.250 | 1.430 | Verified |
| 1685621 | XXXXXXXXX | XXXXXXXXX | Doc Type | DSCR | Debt Service Coverage | Verified |
| 1685621 | XXXXXXXXX | XXXXXXXXX | Occupancy | Investor | Investment | Verified |
| 1685621 | XXXXXXXXX | XXXXXXXXX | Original P&I |  | 658.98 | Verified |
| 1685621 | XXXXXXXXX | XXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1685621 | XXXXXXXXX | XXXXXXXXX | Prepayment Penalty |  | N | Verified |
| 1685621 | XXXXXXXXX | XXXXXXXXX | Product Code | DSCR | DSCR-Inv | Verified |
| 1685621 | XXXXXXXXX | XXXXXXXXX | QM Status | NON-QM | Exempt | Verified |
| 1687613 | XXXXXXXXX | XXXXXXXXX | Occupancy | PrimaryResidence | Primary | Verified |
| 1687613 | XXXXXXXXX | XXXXXXXXX | Original P&I |  | 2113.47 | Verified |
| 1687613 | XXXXXXXXX | XXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1687613 | XXXXXXXXX | XXXXXXXXX | Prepayment Penalty |  | N | Verified |
| 1687613 | XXXXXXXXX | XXXXXXXXX | Property Type | XXX | XXX | Verified |
| 1686258 | XXXXXXXXX | XXXXXXXXX | Doc Type | Bank Statements 12 Months | Bank Statement | Verified |
| 1686258 | XXXXXXXXX | XXXXXXXXX | Occupancy | PrimaryResidence | Primary | Verified |
| 1686258 | XXXXXXXXX | XXXXXXXXX | Original P&I |  | 3543.78 | Verified |
| 1686258 | XXXXXXXXX | XXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1686258 | XXXXXXXXX | XXXXXXXXX | Prepayment Penalty |  | N | Verified |
| 1686258 | XXXXXXXXX | XXXXXXXXX | Product Code | Bank Statements 12 Months | Bk St- 12 mos | Verified |
| 1686258 | XXXXXXXXX | XXXXXXXXX | Qualifying DTI | 9.77400 | 0.09774 | Verified |
| 1687245 | XXXXXXXXX | XXXXXXXXX | DSCR | 1.000 | 1.290 | Verified |
| 1687245 | XXXXXXXXX | XXXXXXXXX | Doc Type | DSCR | Debt Service Coverage | Verified |
| 1687245 | XXXXXXXXX | XXXXXXXXX | Occupancy | Investor | Investment | Verified |
| 1687245 | XXXXXXXXX | XXXXXXXXX | Original P&I |  | 1601.26 | Verified |
| 1687245 | XXXXXXXXX | XXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1687245 | XXXXXXXXX | XXXXXXXXX | Prepayment Penalty |  | Y | Verified |
| 1687245 | XXXXXXXXX | XXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1687245 | XXXXXXXXX | XXXXXXXXX | Product Code | DSCR | DSCR-Inv | Verified |
| 1687245 | XXXXXXXXX | XXXXXXXXX | Property City | XXX | XXX | Verified |
| 1687245 | XXXXXXXXX | XXXXXXXXX | QM Status | NON-QM | Exempt | Verified |
| 1686933 | XXXXXXXXX | XXXXXXXXX | Appraised Value | XXX | XXX | Verified |
| 1686933 | XXXXXXXXX | XXXXXXXXX | Qualifying Credit Score | XXX | XXX | Verified |
| 1686933 | XXXXXXXXX | XXXXXXXXX | Doc Type | DSCR | Debt Service Coverage | Verified |
| 1686933 | XXXXXXXXX | XXXXXXXXX | Occupancy | Investor | Investment | Verified |
| 1686933 | XXXXXXXXX | XXXXXXXXX | Original P&I |  | 2092.32 | Verified |
| 1686933 | XXXXXXXXX | XXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1686933 | XXXXXXXXX | XXXXXXXXX | Prepayment Penalty |  | N | Verified |
| 1686933 | XXXXXXXXX | XXXXXXXXX | Product Code | DSCR | DSCR-Inv | Verified |
| 1686933 | XXXXXXXXX | XXXXXXXXX | QM Status | NON-QM | Exempt | Verified |
| 1685618 | XXXXXXXXX | XXXXXXXXX | Doc Type | DSCR | Debt Service Coverage | Verified |
| 1685618 | XXXXXXXXX | XXXXXXXXX | Occupancy | Investor | Investment | Verified |
| 1685618 | XXXXXXXXX | XXXXXXXXX | Original P&I |  | 1423.58 | Verified |
| 1685618 | XXXXXXXXX | XXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1685618 | XXXXXXXXX | XXXXXXXXX | Prepayment Penalty |  | N | Verified |
| 1685618 | XXXXXXXXX | XXXXXXXXX | Product Code | DSCR | DSCR-Inv | Verified |
| 1685618 | XXXXXXXXX | XXXXXXXXX | QM Status | NON-QM | Exempt | Verified |
| 1685735 | XXXXXXXXX | XXXXXXXXX | Doc Type | DSCR | Debt Service Coverage | Verified |
| 1685735 | XXXXXXXXX | XXXXXXXXX | Occupancy | Investor | Investment | Verified |
| 1685735 | XXXXXXXXX | XXXXXXXXX | Original P&I |  | 1174.26 | Verified |
| 1685735 | XXXXXXXXX | XXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1685735 | XXXXXXXXX | XXXXXXXXX | Prepayment Penalty |  | Y | Verified |
| 1685735 | XXXXXXXXX | XXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1685735 | XXXXXXXXX | XXXXXXXXX | Product Code | DSCR | DSCR-Inv | Verified |
| 1685735 | XXXXXXXXX | XXXXXXXXX | Property Type | XXX | XXX | Verified |
| 1685735 | XXXXXXXXX | XXXXXXXXX | QM Status | NON-QM | Exempt | Verified |
| 1685735 | XXXXXXXXX | XXXXXXXXX | Self-Employment Flag | N | Y | Verified |
| 1687616 | XXXXXXXXX | XXXXXXXXX | Doc Type | Profit & Loss 12 Month | P&L | Verified |
| 1687616 | XXXXXXXXX | XXXXXXXXX | Occupancy | PrimaryResidence | Primary | Verified |
| 1687616 | XXXXXXXXX | XXXXXXXXX | Original P&I |  | 1893.37 | Verified |
| 1687616 | XXXXXXXXX | XXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1687616 | XXXXXXXXX | XXXXXXXXX | Prepayment Penalty |  | N | Verified |
| 1687616 | XXXXXXXXX | XXXXXXXXX | Product Code | Profit & Loss 12 Month | PL12CPA30F | Verified |
| 1687616 | XXXXXXXXX | XXXXXXXXX | Qualifying DTI | 36.52300 | 0.37176 | Verified |
| 1687520 | XXXXXXXXX | XXXXXXXXX | Appraised Value | XXX | XXX | Verified |
| 1687520 | XXXXXXXXX | XXXXXXXXX | DSCR | 1.850 | 1.740 | Verified |
| 1687520 | XXXXXXXXX | XXXXXXXXX | Doc Type | DSCR | Debt Service Coverage | Verified |
| 1687520 | XXXXXXXXX | XXXXXXXXX | Occupancy | Investor | Investment | Verified |
| 1687520 | XXXXXXXXX | XXXXXXXXX | Original P&I |  | 1948.64 | Verified |
| 1687520 | XXXXXXXXX | XXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1687520 | XXXXXXXXX | XXXXXXXXX | Prepayment Penalty |  | Y | Verified |
| 1687520 | XXXXXXXXX | XXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1687520 | XXXXXXXXX | XXXXXXXXX | Product Code | DSCR | DSCR-Inv | Verified |
| 1687520 | XXXXXXXXX | XXXXXXXXX | QM Status | NON-QM | Exempt | Verified |
| 1687954 | XXXXXXXXX | XXXXXXXXX | Qualifying Credit Score | XXX | XXX | Verified |
| 1687954 | XXXXXXXXX | XXXXXXXXX | Doc Type | DSCR | Debt Service Coverage | Verified |
| 1687954 | XXXXXXXXX | XXXXXXXXX | Occupancy | Investor | Investment | Verified |
| 1687954 | XXXXXXXXX | XXXXXXXXX | Original P&I |  | 3179.54 | Verified |
| 1687954 | XXXXXXXXX | XXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1687954 | XXXXXXXXX | XXXXXXXXX | Prepayment Penalty |  | Y | Verified |
| 1687954 | XXXXXXXXX | XXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1687954 | XXXXXXXXX | XXXXXXXXX | Product Code | DSCR | DSCR-Inv | Verified |
| 1687954 | XXXXXXXXX | XXXXXXXXX | QM Status | NON-QM | Exempt | Verified |
| 1687617 | XXXXXXXXX | XXXXXXXXX | Original Amortization Term | 360 | 300 | Verified |
| 1687617 | XXXXXXXXX | XXXXXXXXX | Qualifying Credit Score | XXX | XXX | Verified |
| 1687617 | XXXXXXXXX | XXXXXXXXX | DSCR | 1.000 | 1.020 | Verified |
| 1687617 | XXXXXXXXX | XXXXXXXXX | Doc Type | DSCR | Debt Service Coverage | Verified |
| 1687617 | XXXXXXXXX | XXXXXXXXX | Occupancy | Investor | Investment | Verified |
| 1687617 | XXXXXXXXX | XXXXXXXXX | Original P&I |  | 1848.75 | Verified |
| 1687617 | XXXXXXXXX | XXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1687617 | XXXXXXXXX | XXXXXXXXX | Prepayment Penalty |  | Y | Verified |
| 1687617 | XXXXXXXXX | XXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1687617 | XXXXXXXXX | XXXXXXXXX | Product Code | DSCR | DSCR-Inv | Verified |
| 1687617 | XXXXXXXXX | XXXXXXXXX | Property Type | XXX | XXX | Verified |
| 1687617 | XXXXXXXXX | XXXXXXXXX | QM Status | NON-QM | Exempt | Verified |
| 1688034 | XXXXXXXXX | XXXXXXXXX | Doc Type | DSCR | Debt Service Coverage | Verified |
| 1688034 | XXXXXXXXX | XXXXXXXXX | Occupancy | Investor | Investment | Verified |
| 1688034 | XXXXXXXXX | XXXXXXXXX | Original P&I |  | 1313.86 | Verified |
| 1688034 | XXXXXXXXX | XXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1688034 | XXXXXXXXX | XXXXXXXXX | Prepayment Penalty |  | N | Verified |
| 1688034 | XXXXXXXXX | XXXXXXXXX | Product Code | DSCR | DSCR-Inv | Verified |
| 1688034 | XXXXXXXXX | XXXXXXXXX | QM Status | NON-QM | Exempt | Verified |
| 1687618 | XXXXXXXXX | XXXXXXXXX | Appraised Value | XXX | XXX | Verified |
| 1687618 | XXXXXXXXX | XXXXXXXXX | Qualifying Credit Score | XXX | XXX | Verified |
| 1687618 | XXXXXXXXX | XXXXXXXXX | DSCR | 1.800 | 1.840 | Verified |
| 1687618 | XXXXXXXXX | XXXXXXXXX | Doc Type | DSCR | Debt Service Coverage | Verified |
| 1687618 | XXXXXXXXX | XXXXXXXXX | Occupancy | Investor | Investment | Verified |
| 1687618 | XXXXXXXXX | XXXXXXXXX | Original P&I |  | 1036.91 | Verified |
| 1687618 | XXXXXXXXX | XXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1687618 | XXXXXXXXX | XXXXXXXXX | Prepayment Penalty |  | Y | Verified |
| 1687618 | XXXXXXXXX | XXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1687618 | XXXXXXXXX | XXXXXXXXX | Product Code | DSCR | DSCR-Inv | Verified |
| 1687618 | XXXXXXXXX | XXXXXXXXX | QM Status | NON-QM | Exempt | Verified |
| 1687519 | XXXXXXXXX | XXXXXXXXX | DSCR | 1.000 | 1.040 | Verified |
| 1687519 | XXXXXXXXX | XXXXXXXXX | Doc Type | DSCR | Debt Service Coverage | Verified |
| 1687519 | XXXXXXXXX | XXXXXXXXX | Occupancy | Investor | Investment | Verified |
| 1687519 | XXXXXXXXX | XXXXXXXXX | Original P&I |  | 1779.27 | Verified |
| 1687519 | XXXXXXXXX | XXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1687519 | XXXXXXXXX | XXXXXXXXX | Prepayment Penalty |  | Y | Verified |
| 1687519 | XXXXXXXXX | XXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1687519 | XXXXXXXXX | XXXXXXXXX | Product Code | DSCR | DSCR-Inv | Verified |
| 1687519 | XXXXXXXXX | XXXXXXXXX | QM Status | NON-QM | Exempt | Verified |
| 1685082 | XXXXXXX | XXXXXXX | Doc Type | Full Doc | Asset Utilization | Verified |
| 1685082 | XXXXXXX | XXXXXXX | Occupancy | PrimaryResidence | Primary | Verified |
| 1685082 | XXXXXXX | XXXXXXX | Original P&I |  | 1455.23 | Verified |
| 1685082 | XXXXXXX | XXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1685082 | XXXXXXX | XXXXXXX | Prepayment Penalty |  | N | Verified |
| 1685082 | XXXXXXX | XXXXXXX | Qualifying DTI | 33.18900 | 0.46605 | Verified |
| 1686289 | XXXXXXX | XXXXXXX | DSCR | 0.800 | 0.780 | Verified |
| 1686289 | XXXXXXX | XXXXXXX | Original P&I |  | 2266.40 | Verified |
| 1686289 | XXXXXXX | XXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1686289 | XXXXXXX | XXXXXXX | Prepayment Penalty |  | Y | Verified |
| 1686289 | XXXXXXX | XXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1686289 | XXXXXXX | XXXXXXX | Property Street Address | XXX | XXX | Verified |
| 1686289 | XXXXXXX | XXXXXXX | Property Type | XXX | XXX | Verified |
| 1686289 | XXXXXXX | XXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 1687087 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Original P&I |  | 6240.25 | Verified |
| 1687087 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1687087 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1687087 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 1686929 | XXXXXXXXXX | XXXXXXXXXX | Qualifying Credit Score | XXX | XXX | Verified |
| 1686929 | XXXXXXXXXX | XXXXXXXXXX | Doc Type | Full Doc | Bank Statement | Verified |
| 1686929 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | 1502.53 | Verified |
| 1686929 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1686929 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1686929 | XXXXXXXXXX | XXXXXXXXXX | Product Code |  | Bk St- 12 mos | Verified |
| 1686929 | XXXXXXXXXX | XXXXXXXXXX | Property Type | XXX | XXX | Verified |
| 1686929 | XXXXXXXXXX | XXXXXXXXXX | Qualifying DTI | 5.02100 | 0.46222 | Verified |
| 1685088 | XXXXXXXXXX | XXXXXXXXXX | Qualifying Credit Score | XXX | XXX | Verified |
| 1685088 | XXXXXXXXXX | XXXXXXXXXX | Doc Type | Full Doc | Bank Statement | Verified |
| 1685088 | XXXXXXXXXX | XXXXXXXXXX | Loan Purpose | Cash-Out Refinance | Refinance - Cash Out | Verified |
| 1685088 | XXXXXXXXXX | XXXXXXXXXX | Note Date | XXXXXXXX | XXXXXXXX | Verified |
| 1685088 | XXXXXXXXXX | XXXXXXXXXX | Occupancy | PUD-Detached | Primary | Verified |
| 1685088 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | 834.33 | Verified |
| 1685088 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1685088 | XXXXXXXXXX | XXXXXXXXXX | Product Code | DSCR-Inv | Bk St- 12 mos | Verified |
| 1685088 | XXXXXXXXXX | XXXXXXXXXX | Property Type | XXX | XXX | Verified |
| 1685088 | XXXXXXXXXX | XXXXXXXXXX | Qualifying DTI | 48.00000 | 0.48043 | Verified |
| 1684353 | XXXXXXXXXX | XXXXXXXXXX | DSCR | 1.750 | 2.190 | Verified |
| 1684353 | XXXXXXXXXX | XXXXXXXXXX | Doc Type | Full Doc | Debt Service Coverage | Verified |
| 1684353 | XXXXXXXXXX | XXXXXXXXXX | Occupancy | Investor | Investment | Verified |
| 1684353 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | 1965.02 | Verified |
| 1684353 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1684353 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty | N | Y | Verified |
| 1684353 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1684353 | XXXXXXXXXX | XXXXXXXXXX | Property Type | XXX | XXX | Verified |
| 1684353 | XXXXXXXXXX | XXXXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 1683441 | XXXXXXXXXX | XXXXXXXXXX | Appraised Value | XXX | XXX | Verified |
| 1683441 | XXXXXXXXXX | XXXXXXXXXX | Qualifying Credit Score | XXX |  | Verified |
| 1683441 | XXXXXXXXXX | XXXXXXXXXX | Doc Type | Full Doc | Debt Service Coverage | Verified |
| 1683441 | XXXXXXXXXX | XXXXXXXXXX | Occupancy | Investor | Investment | Verified |
| 1683441 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | 2079.47 | Verified |
| 1683441 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1683441 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty | N | Y | Verified |
| 1683441 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1683441 | XXXXXXXXXX | XXXXXXXXXX | Product Code | DSCR-Inv | DSCR- FN | Verified |
| 1683441 | XXXXXXXXXX | XXXXXXXXXX | Property Type | XXX | XXX | Verified |
| 1683441 | XXXXXXXXXX | XXXXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 1685738 | XXXXXXXXXX | XXXXXXXXXX | Qualifying Credit Score | XXX | XXX | Verified |
| 1685738 | XXXXXXXXXX | XXXXXXXXXX | DSCR | 2.030 | 2.530 | Verified |
| 1685738 | XXXXXXXXXX | XXXXXXXXXX | Doc Type | Full Doc | Debt Service Coverage | Verified |
| 1685738 | XXXXXXXXXX | XXXXXXXXXX | Occupancy | Investor | Investment | Verified |
| 1685738 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | 1595.55 | Verified |
| 1685738 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1685738 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty | N | Y | Verified |
| 1685738 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1685738 | XXXXXXXXXX | XXXXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 1685738 | XXXXXXXXXX | XXXXXXXXXX | Qualifying DTI | 72.00000 |  | Verified |
| 1685146 | XXXXXXXXXX | XXXXXXXXXX | Doc Type |  | Debt Service Coverage | Verified |
| 1685146 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | 732.70 | Verified |
| 1685146 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1685146 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1685146 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1685146 | XXXXXXXXXX | XXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1685396 | XXXXXXXXXX | XXXXXXXXXX | DSCR | 1.850 | 2.460 | Verified |
| 1685396 | XXXXXXXXXX | XXXXXXXXXX | Doc Type | Full Doc | Debt Service Coverage | Verified |
| 1685396 | XXXXXXXXXX | XXXXXXXXXX | Occupancy | Investor | Investment | Verified |
| 1685396 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | 1749.07 | Verified |
| 1685396 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1685396 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty | N | Y | Verified |
| 1685396 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1685396 | XXXXXXXXXX | XXXXXXXXXX | Property Type | XXX | XXX | Verified |
| 1685396 | XXXXXXXXXX | XXXXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 1685296 | XXXXXXXXXX | XXXXXXXXXX | Appraised Value | XXX | XXX | Verified |
| 1685296 | XXXXXXXXXX | XXXXXXXXXX | Qualifying Credit Score | XXX | XXX | Verified |
| 1685296 | XXXXXXXXXX | XXXXXXXXXX | DSCR | 1.900 | 1.320 | Verified |
| 1685296 | XXXXXXXXXX | XXXXXXXXXX | Doc Type | Full Doc | Debt Service Coverage | Verified |
| 1685296 | XXXXXXXXXX | XXXXXXXXXX | Loan Purpose | Cash-Out Refinance | Refinance - Cash Out | Verified |
| 1685296 | XXXXXXXXXX | XXXXXXXXXX | Occupancy | Investor | Investment | Verified |
| 1685296 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | 1422.08 | Verified |
| 1685296 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1685296 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty | N | Y | Verified |
| 1685296 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1685296 | XXXXXXXXXX | XXXXXXXXXX | Property Type | XXX | XXX | Verified |
| 1685296 | XXXXXXXXXX | XXXXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 1686990 | XXXXXXXXXX | XXXXXXXXXX | Doc Type | ALT | Debt Service Coverage | Verified |
| 1686990 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | 2593.55 | Verified |
| 1686990 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1686990 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1686990 | XXXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1686990 | XXXXXXXXXX | XXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1688119 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Original P&I |  | 9706.76 | Verified |
| 1688119 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | PITI |  | XXXXXXXXX | Verified |
| 1688119 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1688119 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 1687745 | XXXXXXXXXXXX | XXXXXXXXXXXX | Original Amortization Term | 30 | 360 | Verified |
| 1687745 | XXXXXXXXXXXX | XXXXXXXXXXXX | DSCR |  | 0.680 | Verified |
| 1687745 | XXXXXXXXXXXX | XXXXXXXXXXXX | Doc Type |  | Debt Service Coverage | Verified |
| 1687745 | XXXXXXXXXXXX | XXXXXXXXXXXX | Original P&I |  | 6160.05 | Verified |
| 1687745 | XXXXXXXXXXXX | XXXXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1687745 | XXXXXXXXXXXX | XXXXXXXXXXXX | Product Code | -NPDSCR30 | DSCR-Inv | Verified |
| 1687745 | XXXXXXXXXXXX | XXXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1687745 | XXXXXXXXXXXX | XXXXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1686433 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Original Amortization Term | 360 | 300 | Verified |
| 1686433 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Note Date | XXXXXXXX | XXXXXXXX | Verified |
| 1686433 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Original P&I |  | 2467.50 | Verified |
| 1686433 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1686433 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1686433 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 1686991 | XXXXX | XXXXX | Doc Type | No Ratio | Debt Service Coverage | Verified |
| 1686991 | XXXXX | XXXXX | Maturity Date | XXX | XXX | Verified |
| 1686991 | XXXXX | XXXXX | Original P&I |  | 1106.66 | Verified |
| 1686991 | XXXXX | XXXXX | PITI |  | XXXXXXXX | Verified |
| 1686991 | XXXXX | XXXXX | Prepayment Penalty |  | Y | Verified |
| 1686991 | XXXXX | XXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1686991 | XXXXX | XXXXX | Product Code | DSCR-Inv | DSCR- ITIN | Verified |
| 1686991 | XXXXX | XXXXX | QM Status | Non-QM | Exempt | Verified |
| 1685877 | XXXXX | XXXXX | Doc Type | No Ratio | Debt Service Coverage | Verified |
| 1685877 | XXXXX | XXXXX | Original P&I |  | 1001.59 | Verified |
| 1685877 | XXXXX | XXXXX | PITI |  | XXXXXXXX | Verified |
| 1685877 | XXXXX | XXXXX | Product Code | DSCR-Inv | DSCR- ITIN | Verified |
| 1685877 | XXXXX | XXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1685877 | XXXXX | XXXXX | QM Status | Non-QM | Exempt | Verified |
| 1685877 | XXXXX | XXXXX | Self-Employment Flag | Y | N | Verified |
| 1686724 | XXXXX | XXXXX | DSCR |  | 1.030 | Verified |
| 1686724 | XXXXX | XXXXX | Doc Type | No Ratio | Debt Service Coverage | Verified |
| 1686724 | XXXXX | XXXXX | Maturity Date | XXX | XXX | Verified |
| 1686724 | XXXXX | XXXXX | Original P&I |  | 1948.30 | Verified |
| 1686724 | XXXXX | XXXXX | PITI |  | XXXXXXXX | Verified |
| 1686724 | XXXXX | XXXXX | Prepayment Penalty | N | Y | Verified |
| 1686724 | XXXXX | XXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1686724 | XXXXX | XXXXX | Property Type | XXX | XXX | Verified |
| 1686724 | XXXXX | XXXXX | QM Status | Non-QM | Exempt | Verified |
| 1686724 | XXXXX | XXXXX | Qualifying DTI | 42.00000 |  | Verified |
| 1686724 | XXXXX | XXXXX | Self-Employment Flag | Y | N | Verified |
| 1683705 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Original P&I |  | 2918.15 | Verified |
| 1683705 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1683705 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1683705 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Property Street Address | XXX | XXX | Verified |
| 1683705 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 1687487 | XXXXXXX | XXXXXXX | Appraised Value | XXX | XXX | Verified |
| 1687487 | XXXXXXX | XXXXXXX | Original CLTV | XXXXXXXX | XXXXXXXX | Verified |
| 1687487 | XXXXXXX | XXXXXXX | Original LTV | XXXXXXXX | XXXXXXXX | Verified |
| 1687487 | XXXXXXX | XXXXXXX | Original P&I |  | 805.96 | Verified |
| 1687487 | XXXXXXX | XXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1687487 | XXXXXXX | XXXXXXX | Prepayment Penalty |  | N | Verified |
| 1687487 | XXXXXXX | XXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 1687551 | XXXXXXX | XXXXXXX | Appraised Value | XXX | XXX | Verified |
| 1687551 | XXXXXXX | XXXXXXX | Loan Purpose | Refinance - Cash Out | Purchase | Verified |
| 1687551 | XXXXXXX | XXXXXXX | Original P&I |  | 2510.02 | Verified |
| 1687551 | XXXXXXX | XXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1687551 | XXXXXXX | XXXXXXX | Prepayment Penalty |  | Y | Verified |
| 1687551 | XXXXXXX | XXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1687551 | XXXXXXX | XXXXXXX | Property Type | XXX | XXX | Verified |
| 1687551 | XXXXXXX | XXXXXXX | Property Zip | XXX | XXX | Verified |
| 1687551 | XXXXXXX | XXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1687551 | XXXXXXX | XXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 1683315 | XXXXXXXXXXX | XXXXXXXXXXX | DSCR | 1.000 | 1.050 | Verified |
| 1683315 | XXXXXXXXXXX | XXXXXXXXXXX | Doc Type | Alternative Doc | Debt Service Coverage | Verified |
| 1683315 | XXXXXXXXXXX | XXXXXXXXXXX | Original P&I |  | 2029.17 | Verified |
| 1683315 | XXXXXXXXXXX | XXXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1683315 | XXXXXXXXXXX | XXXXXXXXXXX | Prepayment Penalty | N | Y | Verified |
| 1683315 | XXXXXXXXXXX | XXXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1683315 | XXXXXXXXXXX | XXXXXXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1684823 | XXXXXXXXXXX | XXXXXXXXXXX | Doc Type | ALT | Bank Statement | Verified |
| 1684823 | XXXXXXXXXXX | XXXXXXXXXXX | Note Date | XXXXXXXX | XXXXXXXX | Verified |
| 1684823 | XXXXXXXXXXX | XXXXXXXXXXX | Original P&I |  | 3248.31 | Verified |
| 1684823 | XXXXXXXXXXX | XXXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1684823 | XXXXXXXXXXX | XXXXXXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1684823 | XXXXXXXXXXX | XXXXXXXXXXX | Qualifying DTI | 16.30600 | 0.17608 | Verified |
| 1685143 | XXXXXXXXXX | XXXXXXXXXX | DSCR | 1.800 | 1.760 | Verified |
| 1685143 | XXXXXXXXXX | XXXXXXXXXX | Doc Type | Investor - DSCR | Debt Service Coverage | Verified |
| 1685143 | XXXXXXXXXX | XXXXXXXXXX | Original Amortization Term | 30 | 360 | Verified |
| 1685143 | XXXXXXXXXX | XXXXXXXXXX | Loan Purpose | NoCash-Out Refinance | Refinance (Refi) No - Limited Cash Out | Verified |
| 1685143 | XXXXXXXXXX | XXXXXXXXXX | Occupancy | Investor | Investment | Verified |
| 1685143 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | 1069.32 | Verified |
| 1685143 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1685143 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1685143 | XXXXXXXXXX | XXXXXXXXXX | Product Code | CSC30F3Y3%2%1% | DSCR-Inv | Verified |
| 1685143 | XXXXXXXXXX | XXXXXXXXXX | Property Type | XXX | XXX | Verified |
| 1685143 | XXXXXXXXXX | XXXXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 1687451 | XXXXXXXXXX | XXXXXXXXXX | Original Amortization Term | 30 | 360 | Verified |
| 1687451 | XXXXXXXXXX | XXXXXXXXXX | DSCR | 1.242 | 1.330 | Verified |
| 1687451 | XXXXXXXXXX | XXXXXXXXXX | Doc Type | Investor - DSCR | Debt Service Coverage | Verified |
| 1687451 | XXXXXXXXXX | XXXXXXXXXX | Index Type | 0 |  | Verified |
| 1687451 | XXXXXXXXXX | XXXXXXXXXX | Loan Purpose | Cash-Out Refinance | Refinance - Cash Out | Verified |
| 1687451 | XXXXXXXXXX | XXXXXXXXXX | Occupancy | Investor | Investment | Verified |
| 1687451 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | 2089.05 | Verified |
| 1687451 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1687451 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1687451 | XXXXXXXXXX | XXXXXXXXXX | Product Code | CSC30F3Y3%2%1% | DSCR-Inv | Verified |
| 1687451 | XXXXXXXXXX | XXXXXXXXXX | Property Type | XXX | XXX | Verified |
| 1687451 | XXXXXXXXXX | XXXXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 1687451 | XXXXXXXXXX | XXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1687553 | XXXXXXXXXX | XXXXXXXXXX | Original Amortization Term | 30 | 360 | Verified |
| 1687553 | XXXXXXXXXX | XXXXXXXXXX | Qualifying Credit Score | XXX | XXX | Verified |
| 1687553 | XXXXXXXXXX | XXXXXXXXXX | Doc Type | Investor - DSCR | Debt Service Coverage | Verified |
| 1687553 | XXXXXXXXXX | XXXXXXXXXX | Loan Purpose | Cash-Out Refinance | Refinance - Cash Out | Verified |
| 1687553 | XXXXXXXXXX | XXXXXXXXXX | Occupancy | Investor | Investment | Verified |
| 1687553 | XXXXXXXXXX | XXXXXXXXXX | Original P&I |  | 1160.33 | Verified |
| 1687553 | XXXXXXXXXX | XXXXXXXXXX | PITI |  | XXXXXXXX | Verified |
| 1687553 | XXXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1687553 | XXXXXXXXXX | XXXXXXXXXX | Product Code | CSC30F5Y5%PP | DSCR-Inv | Verified |
| 1687553 | XXXXXXXXXX | XXXXXXXXXX | QM Status | Non-QM | Exempt | Verified |
| 1687553 | XXXXXXXXXX | XXXXXXXXXX | Self-Employment Flag |  | N | Verified |
| 1685221 | XXXXXXXXX | XXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 1685221 | XXXXXXXXX | XXXXXXXXXX | First Payment Date | XXX | XXX | Verified |
| 1685221 | XXXXXXXXX | XXXXXXXXXX | Maturity Date | XXX | XXX | Verified |
| 1685221 | XXXXXXXXX | XXXXXXXXXX | Note Date | XXXXXXXX | XXXXXXXX | Verified |
| 1685221 | XXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXX | Verified |
| 1685221 | XXXXXXXXX | XXXXXXXXXX | Prepayment Penalty | N | Y | Verified |
| 1685221 | XXXXXXXXX | XXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1685221 | XXXXXXXXX | XXXXXXXXXX | Property Type | XXX | XXX | Verified |
| 1685221 | XXXXXXXXX | XXXXXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1685221 | XXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1686678 | XXXXXXXXX | XXXXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 1686678 | XXXXXXXXX | XXXXXXXXXXXX | Appraised Value | XXX | XXX | Verified |
| 1686678 | XXXXXXXXX | XXXXXXXXXXXX | Original CLTV | XXXXXXXX | XXXXXXXX | Verified |
| 1686678 | XXXXXXXXX | XXXXXXXXXXXX | DSCR | 1.660 | 1.580 | Verified |
| 1686678 | XXXXXXXXX | XXXXXXXXXXXX | First Payment Date | XXX | XXX | Verified |
| 1686678 | XXXXXXXXX | XXXXXXXXXXXX | Original LTV | XXXXXXXX | XXXXXXXX | Verified |
| 1686678 | XXXXXXXXX | XXXXXXXXXXXX | Maturity Date | XXX | XXX | Verified |
| 1686678 | XXXXXXXXX | XXXXXXXXXXXX | Original Loan Amount | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1686678 | XXXXXXXXX | XXXXXXXXXXXX | Note Date | XXXXXXXX | XXXXXXXX | Verified |
| 1686678 | XXXXXXXXX | XXXXXXXXXXXX | Original P&I | 3567.29 | 3761.87 | Verified |
| 1686678 | XXXXXXXXX | XXXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1686678 | XXXXXXXXX | XXXXXXXXXXXX | Property Street Address | XXX | XXX | Verified |
| 1686678 | XXXXXXXXX | XXXXXXXXXXXX | Property Type | XXX | XXX | Verified |
| 1686678 | XXXXXXXXX | XXXXXXXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1686678 | XXXXXXXXX | XXXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1684020 | XXXXXXXXX | XXXXXXX | Amortization Type |  | Fixed | Verified |
| 1684020 | XXXXXXXXX | XXXXXXX | First Payment Date | XXX | XXX | Verified |
| 1684020 | XXXXXXXXX | XXXXXXX | Maturity Date | XXX | XXX | Verified |
| 1684020 | XXXXXXXXX | XXXXXXX | Note Date | XXXXXXXX | XXXXXXXX | Verified |
| 1684020 | XXXXXXXXX | XXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1684020 | XXXXXXXXX | XXXXXXX | Property Type | XXX | XXX | Verified |
| 1684020 | XXXXXXXXX | XXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1684020 | XXXXXXXXX | XXXXXXX | QM Status |  | Non-QM | Verified |
| 1684020 | XXXXXXXXX | XXXXXXX | Qualifying DTI | 48.37000 | 0.46051 | Verified |
| 1686415 | XXXXXXXXX | XXXXXXX | Amortization Type |  | Fixed | Verified |
| 1686415 | XXXXXXXXX | XXXXXXX | First Payment Date | XXX | XXX | Verified |
| 1686415 | XXXXXXXXX | XXXXXXX | Maturity Date | XXX | XXX | Verified |
| 1686415 | XXXXXXXXX | XXXXXXX | Note Date | XXXXXXXX | XXXXXXXX | Verified |
| 1686415 | XXXXXXXXX | XXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1686415 | XXXXXXXXX | XXXXXXX | Prepayment Penalty | N | Y | Verified |
| 1686415 | XXXXXXXXX | XXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1686415 | XXXXXXXXX | XXXXXXX | Property Type | XXX | XXX | Verified |
| 1686415 | XXXXXXXXX | XXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1686415 | XXXXXXXXX | XXXXXXX | QM Status |  | Exempt | Verified |
| 1686415 | XXXXXXXXX | XXXXXXX | Qualifying DTI | 48.00000 | 0.24320 | Verified |
| 1687626 | XXXXXXXXX | XXXXXXX | Amortization Type |  | Fixed | Verified |
| 1687626 | XXXXXXXXX | XXXXXXX | DSCR | 1.016 | 1.120 | Verified |
| 1687626 | XXXXXXXXX | XXXXXXX | First Payment Date | XXX | XXX | Verified |
| 1687626 | XXXXXXXXX | XXXXXXX | Maturity Date | XXX | XXX | Verified |
| 1687626 | XXXXXXXXX | XXXXXXX | Note Date | XXXXXXXX | XXXXXXXX | Verified |
| 1687626 | XXXXXXXXX | XXXXXXX | Prepayment Penalty | N | Y | Verified |
| 1687626 | XXXXXXXXX | XXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1687626 | XXXXXXXXX | XXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1687626 | XXXXXXXXX | XXXXXXX | QM Status |  | Exempt | Verified |
| 1685454 | XXXXXXXXX | XXXXXXX | Amortization Type |  | Fixed | Verified |
| 1685454 | XXXXXXXXX | XXXXXXX | Doc Type | 12 Mo. Bank Statements | Bank Statement | Verified |
| 1685454 | XXXXXXXXX | XXXXXXX | First Payment Date | XXX | XXX | Verified |
| 1685454 | XXXXXXXXX | XXXXXXX | Maturity Date | XXX | XXX | Verified |
| 1685454 | XXXXXXXXX | XXXXXXX | Note Date | XXXXXXXX | XXXXXXXX | Verified |
| 1685454 | XXXXXXXXX | XXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1685454 | XXXXXXXXX | XXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1685454 | XXXXXXXXX | XXXXXXX | QM Status |  | Non-QM | Verified |
| 1685454 | XXXXXXXXX | XXXXXXX | Qualifying DTI | 27.31000 | 0.28831 | Verified |
| 1687522 | XXXXXXXXX | XXXXXXX | Amortization Type |  | Fixed | Verified |
| 1687522 | XXXXXXXXX | XXXXXXX | Doc Type | 12 Mo. Bank Statements | Bank Statement | Verified |
| 1687522 | XXXXXXXXX | XXXXXXX | First Payment Date | XXX | XXX | Verified |
| 1687522 | XXXXXXXXX | XXXXXXX | Maturity Date | XXX | XXX | Verified |
| 1687522 | XXXXXXXXX | XXXXXXX | Note Date | XXXXXXXX | XXXXXXXX | Verified |
| 1687522 | XXXXXXXXX | XXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1687522 | XXXXXXXXX | XXXXXXX | QM Status |  | Non-QM | Verified |
| 1687522 | XXXXXXXXX | XXXXXXX | Qualifying DTI | 40.95000 | 0.41248 | Verified |
| 1681889 | XXXXXXXXX | XXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 1681889 | XXXXXXXXX | XXXXXXXXX | Qualifying Credit Score | XXX | XXX | Verified |
| 1681889 | XXXXXXXXX | XXXXXXXXX | Doc Type |  | Asset Depletion | Verified |
| 1681889 | XXXXXXXXX | XXXXXXXXX | First Payment Date | XXX | XXX | Verified |
| 1681889 | XXXXXXXXX | XXXXXXXXX | Original Interest Rate | XXXXXX | XXXXXXX | Verified |
| 1681889 | XXXXXXXXX | XXXXXXXXX | Maturity Date | XXX | XXX | Verified |
| 1681889 | XXXXXXXXX | XXXXXXXXX | Note Date | XXXXXXXX | XXXXXXXX | Verified |
| 1681889 | XXXXXXXXX | XXXXXXXXX | Original P&I | 7458.88 | 7554.68 | Verified |
| 1681889 | XXXXXXXXX | XXXXXXXXX | PITI | XXXXXXXXX | XXXXXXXX | Verified |
| 1681889 | XXXXXXXXX | XXXXXXXXX | Product Code | AC30YrFx | ATR Full | Verified |
| 1681889 | XXXXXXXXX | XXXXXXXXX | Property Type | XXX | XXX | Verified |
| 1681889 | XXXXXXXXX | XXXXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1681889 | XXXXXXXXX | XXXXXXXXX | QM Status |  | Safe Harbor QM (APOR) | Verified |
| 1631398 | XXXXXXXXX | XXXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 1631398 | XXXXXXXXX | XXXXXXXXXXX | First Payment Date | XXX | XXX | Verified |
| 1631398 | XXXXXXXXX | XXXXXXXXXXX | Maturity Date | XXX | XXX | Verified |
| 1631398 | XXXXXXXXX | XXXXXXXXXXX | Note Date | XXXXXXXX | XXXXXXXX | Verified |
| 1631398 | XXXXXXXXX | XXXXXXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1631398 | XXXXXXXXX | XXXXXXXXXXX | QM Status |  | Non-QM | Verified |
| 1631398 | XXXXXXXXX | XXXXXXXXXXX | Qualifying DTI | 49.13000 | 0.48002 | Verified |
| 1685449 | XXXXXXXXX | XXXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 1685449 | XXXXXXXXX | XXXXXXXXXXX | DSCR | 1.176 | 1.200 | Verified |
| 1685449 | XXXXXXXXX | XXXXXXXXXXX | First Payment Date | XXX | XXX | Verified |
| 1685449 | XXXXXXXXX | XXXXXXXXXXX | Maturity Date | XXX | XXX | Verified |
| 1685449 | XXXXXXXXX | XXXXXXXXXXX | Note Date | XXXXXXXX | XXXXXXXX | Verified |
| 1685449 | XXXXXXXXX | XXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1685449 | XXXXXXXXX | XXXXXXXXXXX | Product Code | AC30YrFx | DSCR-Inv | Verified |
| 1685449 | XXXXXXXXX | XXXXXXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1685449 | XXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1685449 | XXXXXXXXX | XXXXXXXXXXX | Self-Employment Flag | Y | N | Verified |
| 1686526 | XXXXXXXXX | XXXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 1686526 | XXXXXXXXX | XXXXXXXXXXX | Doc Type | 12 Mo. Bank Statements | Bank Statement | Verified |
| 1686526 | XXXXXXXXX | XXXXXXXXXXX | First Payment Date | XXX | XXX | Verified |
| 1686526 | XXXXXXXXX | XXXXXXXXXXX | Original Interest Rate | XXXXXXX | XXXXX | Verified |
| 1686526 | XXXXXXXXX | XXXXXXXXXXX | Maturity Date | XXX | XXX | Verified |
| 1686526 | XXXXXXXXX | XXXXXXXXXXX | Original Loan Amount | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1686526 | XXXXXXXXX | XXXXXXXXXXX | Note Date | XXXXXXXX | XXXXXXXX | Verified |
| 1686526 | XXXXXXXXX | XXXXXXXXXXX | Original P&I | 2930.01 | 2789.66 | Verified |
| 1686526 | XXXXXXXXX | XXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1686526 | XXXXXXXXX | XXXXXXXXXXX | Property Type | XXX | XXX | Verified |
| 1686526 | XXXXXXXXX | XXXXXXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1686526 | XXXXXXXXX | XXXXXXXXXXX | QM Status |  | Non-QM | Verified |
| 1686526 | XXXXXXXXX | XXXXXXXXXXX | Qualifying DTI | 27.80000 | 0.27219 | Verified |
| 1685801 | XXXXXXXXX | XXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 1685801 | XXXXXXXXX | XXXXXXXXX | Qualifying Credit Score |  | XXX | Verified |
| 1685801 | XXXXXXXXX | XXXXXXXXX | DSCR | 1.258 | 1.080 | Verified |
| 1685801 | XXXXXXXXX | XXXXXXXXX | First Payment Date | XXX | XXX | Verified |
| 1685801 | XXXXXXXXX | XXXXXXXXX | Original Interest Rate | XXXXXXX | XXXXX | Verified |
| 1685801 | XXXXXXXXX | XXXXXXXXX | Maturity Date | XXX | XXX | Verified |
| 1685801 | XXXXXXXXX | XXXXXXXXX | Note Date | XXXXXXXX | XXXXXXXX | Verified |
| 1685801 | XXXXXXXXX | XXXXXXXXX | Original P&I | 742.50 | 699.21 | Verified |
| 1685801 | XXXXXXXXX | XXXXXXXXX | PITI | XXXXXX | XXXXXX | Verified |
| 1685801 | XXXXXXXXX | XXXXXXXXX | Property Street Address | XXX | XXX | Verified |
| 1685801 | XXXXXXXXX | XXXXXXXXX | Property Type | XXX | XXX | Verified |
| 1685801 | XXXXXXXXX | XXXXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1685801 | XXXXXXXXX | XXXXXXXXX | QM Status |  | Exempt | Verified |
| 1685801 | XXXXXXXXX | XXXXXXXXX | Self-Employment Flag | Y | N | Verified |
| 1686869 | XXXXXXXXX | XXXXXXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 1686869 | XXXXXXXXX | XXXXXXXXXXXXXX | Doc Type | 12 Mo. Bank Statements | Bank Statement | Verified |
| 1686869 | XXXXXXXXX | XXXXXXXXXXXXXX | First Payment Date | XXX | XXX | Verified |
| 1686869 | XXXXXXXXX | XXXXXXXXXXXXXX | Maturity Date | XXX | XXX | Verified |
| 1686869 | XXXXXXXXX | XXXXXXXXXXXXXX | Note Date | XXXXXXXX | XXXXXXXX | Verified |
| 1686869 | XXXXXXXXX | XXXXXXXXXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1686869 | XXXXXXXXX | XXXXXXXXXXXXXX | QM Status |  | Non-QM | Verified |
| 1686869 | XXXXXXXXX | XXXXXXXXXXXXXX | Qualifying DTI | 33.44000 | 0.33445 | Verified |
| 1685866 | XXXXXXXXX | XXXXXXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 1685866 | XXXXXXXXX | XXXXXXXXXXXXXX | Qualifying Credit Score |  | XXX | Verified |
| 1685866 | XXXXXXXXX | XXXXXXXXXXXXXX | DSCR | 0.993 | 1.010 | Verified |
| 1685866 | XXXXXXXXX | XXXXXXXXXXXXXX | First Payment Date | XXX | XXX | Verified |
| 1685866 | XXXXXXXXX | XXXXXXXXXXXXXX | Maturity Date | XXX | XXX | Verified |
| 1685866 | XXXXXXXXX | XXXXXXXXXXXXXX | Note Date | XXXXXXXX | XXXXXXXX | Verified |
| 1685866 | XXXXXXXXX | XXXXXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1685866 | XXXXXXXXX | XXXXXXXXXXXXXX | Prepayment Penalty | N | Y | Verified |
| 1685866 | XXXXXXXXX | XXXXXXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1685866 | XXXXXXXXX | XXXXXXXXXXXXXX | Product Code | AC30YrFx | DSCR-Inv | Verified |
| 1685866 | XXXXXXXXX | XXXXXXXXXXXXXX | Property Type | XXX | XXX | Verified |
| 1685866 | XXXXXXXXX | XXXXXXXXXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1685866 | XXXXXXXXX | XXXXXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1686296 | XXXXXXXXX | XXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 1686296 | XXXXXXXXX | XXXXXXXXXX | First Payment Date | XXX | XXX | Verified |
| 1686296 | XXXXXXXXX | XXXXXXXXXX | Maturity Date | XXX | XXX | Verified |
| 1686296 | XXXXXXXXX | XXXXXXXXXX | Note Date | XXXXXXXX | XXXXXXXX | Verified |
| 1686296 | XXXXXXXXX | XXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1686296 | XXXXXXXXX | XXXXXXXXXX | Property Type | XXX | XXX | Verified |
| 1686296 | XXXXXXXXX | XXXXXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1686296 | XXXXXXXXX | XXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1686954 | XXXXXXXXX | XXXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 1686954 | XXXXXXXXX | XXXXXXXXXXX | First Payment Date | XXX | XXX | Verified |
| 1686954 | XXXXXXXXX | XXXXXXXXXXX | Maturity Date | XXX | XXX | Verified |
| 1686954 | XXXXXXXXX | XXXXXXXXXXX | Note Date | XXXXXXXX | XXXXXXXX | Verified |
| 1686954 | XXXXXXXXX | XXXXXXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1686954 | XXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |
| 1685501 | XXXXXXXXX | XXXXXXXXXXX | Amortization Type |  | Fixed | Verified |
| 1685501 | XXXXXXXXX | XXXXXXXXXXX | DSCR | 0.985 | 1.000 | Verified |
| 1685501 | XXXXXXXXX | XXXXXXXXXXX | First Payment Date | XXX | XXX | Verified |
| 1685501 | XXXXXXXXX | XXXXXXXXXXX | Maturity Date | XXX | XXX | Verified |
| 1685501 | XXXXXXXXX | XXXXXXXXXXX | Original Loan Amount | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1685501 | XXXXXXXXX | XXXXXXXXXXX | Note Date | XXXXXXXX | XXXXXXXX | Verified |
| 1685501 | XXXXXXXXX | XXXXXXXXXXX | Original P&I | 3833.25 | 3812.53 | Verified |
| 1685501 | XXXXXXXXX | XXXXXXXXXXX | PITI | XXXXXXXX | XXXXXXXX | Verified |
| 1685501 | XXXXXXXXX | XXXXXXXXXXX | Prepayment Penalty | N | Y | Verified |
| 1685501 | XXXXXXXXX | XXXXXXXXXXX | Prepayment Penalty Type |  | Hard | Verified |
| 1685501 | XXXXXXXXX | XXXXXXXXXXX | Property Type | XXX | XXX | Verified |
| 1685501 | XXXXXXXXX | XXXXXXXXXXX | Sales Price | XXXXXXXXXX | XXXXXXXXXX | Verified |
| 1685501 | XXXXXXXXX | XXXXXXXXXXX | QM Status |  | Exempt | Verified |

---

## Exhibit 99.07

[MFA 2026-NQM2 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.07 - Schedule 5**

![](evolve-logo.jpg)

---

| |
|:---|
| **QM ATR Data** |
| **Run Date - 04/30/2026 7:21:21 AM** |

---

---

| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Loan Level ATR/QM Status** | **Verified Safe Harbor** | **Application Date Prior to 1/10/2014** | **Lender Application Date** | **GSE Eligible** | **CDFI Indicator** | **ATR/QM Total Points and Fees** | **Rate Lock Date** | **APR** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Borrower Foreign National Indicator** | **Borrower Residency Source** | **Co Borrower Foreign National Indicator** | **Co Borrower Residency Source** | **Residual Income to Qualify?** | **ATR/QM Residual Income** |
| 1687767 | XXXXXXXXX | XXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | 02/10/2026 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $17735.14 |
| 1685084 | XXXXXXXXX | XXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | 12/11/2025 | 0.00% | Self-Employed |  | Non Permanent Resident Alien | ITIN IRS Letter |  |  | No |  |
| 1686358 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1687145 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1687615 | XXXXXXXXX | XXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $7269.41 | 01/21/2026 | 0.00% | Self-Employed | Self-Employed | Permanent Resident Alien |  | Permanent Resident Alien |  | No |  |
| 1686934 | XXXXXXXXX | XXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $7721.96 | 01/22/2026 | 8.237% | Employed |  | Non Permanent Resident Alien | ITIN IRS Letter |  |  | Yes | $2915.82 |
| 1687768 | XXXXXXXXX | XXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $5671.00 | 01/23/2026 | 0.00% | Self-Employed |  | Non Permanent Resident Alien | ITIN Card |  |  | Yes | $4226.33 |
| 1684606 | XXXXXXXXX | XXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $2135.00 | 12/12/2025 | 6.796% | Not Required |  | US Citizen |  |  |  | No |  |
| 1685621 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1687613 | XXXXXXXXX | XXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $6368.00 | 02/05/2026 | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1686258 | XXXXXXXXX | XXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $2413.96 | 01/08/2026 | 7.995% | Self-Employed |  | US Citizen |  |  |  | Yes | $76910.79 |
| 1687245 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1686933 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1685618 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1685735 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed | Employed | US Citizen |  | US Citizen |  | No |  |
| 1687616 | XXXXXXXXX | XXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $8970.00 | 01/15/2026 | 0.00% | Self-Employed |  | Non Permanent Resident Alien | ITIN IRS Letter |  |  | No |  |
| 1687520 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1687954 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1687617 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1688034 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1687618 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1687519 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1685221 | XXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1686678 | XXXXXXXXX | XXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1684020 | XXXXXXXXX | XXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | 11/17/2025 | 8.056% | Self-Employed | Employed | US Citizen |  | US Citizen |  | Yes | $11115.10 |
| 1686415 | XXXXXXXXX | XXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed | Self-Employed | US Citizen |  | US Citizen |  | Yes | $9463.16 |
| 1687626 | XXXXXXXXX | XXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1685454 | XXXXXXXXX | XXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $8045.96 | 12/30/2025 | 7.252% | Self-Employed |  | Non Permanent Resident Alien | ITIN IRS Letter |  |  | Yes | $8528.56 |
| 1687522 | XXXXXXXXX | XXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $4451.00 | 01/23/2026 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $9371.11 |
| 1681889 | XXXXXXXXX | XXXXXXXXX | Safe Harbor QM (APOR) | Not Provided | No | XXXXXXXXXX | No | No | $2090.00 | 11/12/2025 | 6.98% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1685082 | XXXXXXX | XXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | 12/15/2025 | 7.464% | Not Required |  | US Citizen |  |  |  | Yes | $6968.90 |
| 1686289 | XXXXXXX | XXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1631398 | XXXXXXXXX | XXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $0.00 | 01/14/2025 | 7.848% | Employed | Employed | US Citizen |  | US Citizen |  | Yes | $12985.46 |
| 1685449 | XXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1686526 | XXXXXXXXX | XXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $6423.42 | 01/02/2026 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $17456.56 |
| 1687087 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1686929 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1685088 | XXXXXXXXXX | XXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $8526.68 | 09/02/2025 | 7.238% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1684353 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | Permanent Resident Alien |  |  |  | No |  |
| 1683441 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  | 12/04/2025 | 0.00% | Not Required |  | Foreign National |  |  |  | No |  |
| 1685738 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1685146 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1685396 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  | 01/06/2026 | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1685296 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  | 01/02/2026 | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1686990 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | Foreign National |  |  |  | No |  |
| 1685801 | XXXXXXXXX | XXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1686869 | XXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | N/A | No | XXXXXXXXXX | No | No | $2829.00 | 01/23/2026 | 0.00% | Self-Employed |  | US Citizen |  |  |  | Yes | $14778.68 |
| 1685866 | XXXXXXXXX | XXXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1688119 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | Permanent Resident Alien |  |  |  | No |  |
| 1687745 | XXXXXXXXXXXX | XXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1686296 | XXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1686433 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | Permanent Resident Alien |  |  |  | No |  |
| 1686991 | XXXXX | XXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | Non Permanent Resident Alien | ITIN IRS Letter |  |  | No |  |
| 1685877 | XXXXX | XXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | Foreign National |  |  |  | No |  |
| 1686724 | XXXXX | XXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1683705 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | Permanent Resident Alien |  |  |  | No |  |
| 1687487 | XXXXXXX | XXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | Permanent Resident Alien |  |  |  | No |  |
| 1687551 | XXXXXXX | XXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1683315 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  | 11/12/2025 | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1684823 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Self-Employed |  | US Citizen |  |  |  | No |  |
| 1686954 | XXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1685501 | XXXXXXXXX | XXXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required | Not Required | US Citizen |  | US Citizen |  | No |  |
| 1685143 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1687451 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |
| 1687553 | XXXXXXXXXX | XXXXXXXXXX | Exempt | N/A | No | XXXXXXXXXX | No | No |  |  | 0.00% | Not Required |  | US Citizen |  |  |  | No |  |

---

## Exhibit 99.07

[MFA 2026-NQM2 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.07 - Schedule 6**

![](evolve-logo.jpg)

---

| |
|:---|
| **Additional Data** |
| **Run Date - 04/30/2026 7:21:21 AM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **TILA Status** | **Application Date** | **TRID** | **GSE Eligible** | **HOEPA Fees** | **TILA Fees** | **Rate Lock Date** | **Calculated APR** | **Qualifying P&I** | **PITIA** | **Qualifying Rate** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 4 Employment Indicator** | **Co Borrower2 Length of Employment** | **Co Borrower3 Length of Employment** | **Borrower Foreign National Indicator** | **Co Borrower Foreign National Indicator** | **Co Borrower 2 Foreign National Indicator** | **Co Borrower 3 Foreign National Indicator** | **Co Borrower 4 Foreign National Indicator** | **Borrower Country Name** | **Co Borrower Country Name** | **Residual Income** | **Num Units** | **Flood Cert Number** | **FEMA Flood Zone** | **Annual Property Tax** | **Annual Insurance Costs** | **HOA Name** | **HOA Address State** | **Fee Amount** | **Next Due Date** | **HOA Payment Frequency** | **Investor DTI** | **Non QM DTI** | **Original Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Forth Wage Earner Updated FICO Equifax** | **Forth Wage Earner Updated FICO Experian** | **Forth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 4 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 4 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Co Borrower 4 Employment Verification Level** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Income Doc Detail** | **Tax Return Doc Details** | **Document Level** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Guideline Name** | **UW Guideline Author** | **Loan Program Date** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **HUD 1 Page 1 Credits Total** | **Collateral Underwriter Risk Score** | **AUS Decision System** | **Property Inspection Wavier (PIW)** | **Rating Result** | **Eligible For Rep and Warrant Relief Per Collateral Advisor** | **Investor Qualifying Rate** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Profit and Loss Statements** | **Expense Letter** | **DSCR** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Is Equity Shared Loan** | **Title Interest Type** | **Title Held** | **Loan Doc Type** | **PITIA on Other Financed Properties** | **Credit Score Model Name** | **Maturity Date** | **Qualification Method Other Description** | **Index Type Other Description** | **Most Recent 24 Month Pay History** | **Line Utilization** | **Payment History As Of Date** | **Is Line Still Open** | **Property Value Trends** | **Were C/O proceeds included in reserves** | **Borrower Doc Type** | **Co Borrower 2 Doc Type** | **Co Borrower 3 Doc Type** | **Co Borrower 4 Doc Type** | **Reserves in Months** | **Months WVOE** | **ITIN Indicator** | **Condo Warrantable** | **Default Rate Clause** | **Default Rate** | **Borrower 3 FICO** | **Borrower 4 FICO** | **Borrower 3 Residency Status** | **Borrower 4 Residency Status** | **Buydown** | **Buydown Type** | **Buydown Term** |
| 1687767 | XXXXXXXXX | XXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $8726.25 | $10320.87 | 20260210 | 0.00% | $3426.31 | $4113.27 | 7.00% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $17735.14 | 1 |  | X | $XXXX.XX | $5326.92 |  |  |  |  |  | 24.754% | 24.754% | 20260126 | 701 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 50% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 01/2025-12/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 01/2026;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 02/2026;<br> [Borrower - Primary Income - Bank Statements] VVOE - 02/2026;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 01/2026; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | Bank Statement - 12 months | XXXX XXXXXXX XXXXXX XXXXX | 20251010 |  | $0.00 |  |  | -45.93 | 1 |  | No |  | N/A | 7 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXXXXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable | No | Alternative Doc |  |  |  | 128 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1685084 | XXXXXXXXX | XXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $4538.13 | $5676.14 | 20251211 | 0.00% | $1585.88 | $2204.83 | 8.50% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $3754.19 | 1 |  | X | $XXXX.XX | $3369.96 |  |  |  |  |  | 38.396% | 38.396% | 20251123 | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 100% |  | Third Party Prepared(unaudited) | [Borrower - Primary Income - Sole Proprietor] P&L Statement - 1/1/2024-12/1/2025 - 12 months;<br> [Borrower - Primary Income - Sole Proprietor] Bank Statements - Business - 9/2025-12/2025 - 3 months;<br> [Borrower - Primary Income - Sole Proprietor] VVOE - 12/2025;<br> [Borrower - Primary Income - Sole Proprietor] CPA Letter - 12/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | P&L 12 Months CPA prepared 30yr fixed | XXXX XXXXXXX XXXXXX XXXXX | 20251010 |  | $0.00 |  |  | 12000 | 1 |  | No |  | N/A | 8.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | No |  |  |  | No | Fee Simple | Individual(s) | P&L |  | FICO Risk Score Classic 04 | XXXXXXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable | No | Alternative Doc |  |  |  | 4 |  | Yes |  | FALSE |  |  |  |  |  |  |  |  |
| 1686358 | XXXXXXXXX | XXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | $1395.97 | $1948.73 | 6.88% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | -$25.00 | 1 |  | X | $XXXX.XX | $462.00 | XXXXXX XXXXX XXXX XXXXXX XXXXXXXXXXX | WA | $250.00 |  | XXXXXXX |  |  | 20251201 | 821 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | DSCR- Investor NOO | XXXX XXXXXXX XXXXXX XXXXX | 20251010 |  |  |  |  | 0 | 1 |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXXXXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Declining | No |  |  |  |  | 37 |  | No | Yes | FALSE |  |  |  |  |  |  |  |  |
| 1687145 | XXXXXXXXX | XXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | $1074.62 | $1596.04 | 7.75% | Yes | Yes | Not Required | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $XXXX.XX | $3187.68 |  |  |  |  |  |  |  | 20251107 | 698 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | DSCR- Investor NOO | XXXX XXXXXXX XXXXXX XXXXX | 20251010 |  |  |  |  | 0 | 1 |  | No |  | N/A | 7.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.19 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXXXXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Declining | No |  |  |  |  | 81 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1687615 | XXXXXXXXX | XXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $7269.41 | $11447.44 | 20260121 | 0.00% | $3173.99 | $4599.30 | 7.88% | No | No | Self-Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | $6453.05 | 1 |  | X | $XXXXX.XX | $2340.00 |  |  |  |  |  | 44.701% | 44.701% | 20260112 | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 50% | 50% | 50% |  | [Borrower - Primary Income - Sole Proprietor] CPA Letter - 1/23/2026;<br> [Borrower - Primary Income - Sole Proprietor] Bank Statements - Personal - 2/2025-1/2026-12 months;<br> [Borrower - Primary Income - Sole Proprietor] VVOE - 2/4/2026;<br> [Borrower - Primary Income - Sole Proprietor] CPA Letter - 1/12/2026;<br> [Borrower - Primary Income - Sole Proprietor] Self-Employment Questionnaire (SEQ) - 1/12/2026;<br> [Borrower - Primary Income - Sole Proprietor] Third Party Verification - 1/13/2026;<br> [Co Borrower 1 - Primary Income - Sole Proprietor] CPA Letter - 1/23/2026;<br> [Co Borrower 1 - Primary Income - Sole Proprietor] Bank Statements - Personal - 2/2025-1/2026-12 months;<br> [Co Borrower 1 - Primary Income - Sole Proprietor] VVOE - 2/4/2026;<br> [Co Borrower 1 - Primary Income - Sole Proprietor] CPA Letter - 1/12/2026;<br> [Co Borrower 1 - Primary Income - Sole Proprietor] Self-Employment Questionnaire (SEQ) - 1/12/2026;<br> [Co Borrower 1 - Primary Income - Sole Proprietor] Third Party Verification - 1/13/2026; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | Bank Statement - 12 months | XXXX XXXXXXX XXXXXX XXXXX | 20251010 |  | $7269.41 |  |  | 0 | 1 |  | No |  | N/A | 7.875 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXXXXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Increasing | No | Alternative Doc | Alternative Doc |  |  | 6 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1686934 | XXXXXXXXX | XXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $7721.96 | $9011.56 | 20260122 | 8.237% | $1626.26 | $2114.11 | 7.75% | No | N/A | Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $2915.82 | 1 |  | X | $XXXX.XX | $934.08 |  |  |  |  |  | 44.994% | 44.994% | 20251113 | 677 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 11/10/2025-11/30/2025;<br> [Borrower - Primary Income - Wages] W-2 - 2024;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2024;<br> [Borrower - Primary Income - Wages] W-2 Transcript - 2023;<br> [Borrower - Primary Income - Wages] WVOE - 12/01/2025 - 35 months;<br> [Borrower - Primary Income - Wages] VVOE - 12/23/2025, 01/07/2026, 01/16/2026, 01/23/2026; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Full Doc | XXXX XXXXXXX XXXXXX XXXXX | 20251010 |  | $7721.96 |  |  | 0 | 1 |  | No |  | N/A | 7.75 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | FICO Risk Score Classic 04 | XXXXXXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable | No | Full |  |  |  | 2 | 38 | Yes |  | FALSE |  |  |  |  |  |  |  |  |
| 1687768 | XXXXXXXXX | XXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $5671.00 | $7423.32 | 20260123 | 0.00% | $1734.29 | $2138.27 | 6.88% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $4226.33 | 1 |  | X | $XXXX.XX | $1641.96 |  |  |  |  |  | 34.512% | 34.512% | 20260116 | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 15% | 50% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 01/2025-12/2025;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 02/09/2026;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 01/21/2026;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 01/22/2026;<br> [Borrower - Primary Income - Bank Statements] VVOE - 02/12/2026; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Bank Statement - 12 months | XXXX XXXXXXX XXXXXX XXXXX | 20251010 |  | $5671.00 |  |  | -212 | 2.4 |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXXXXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable | No | Alternative Doc |  |  |  | 29 |  | Yes |  | FALSE |  |  |  |  |  |  |  |  |
| 1684606 | XXXXXXXXX | XXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $2135.00 | $3307.78 | 20251212 | 6.796% | $5908.73 | $7107.17 | 6.75% | No | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | -$7107.17 | 1 |  | X | $XXXX.XX | $6017.04 | XXXXX XXXX XXXXXXX | CO | $125.04 |  | XXXXXXXX |  |  | 20251114 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Ability to Repay in Full/Asset depletion | XXXX XXXXXXX XXXXXX XXXXX | 20251010 |  | $2135.00 |  |  | 1695.18 | 2.3 |  | No |  | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Asset Depletion |  | Experian Fair Isaac Model 2 | XXXXXXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable | No |  |  |  |  | 182 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1685621 | XXXXXXXXX | XXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | $658.98 | $1015.50 | 6.75% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $XXXX.XX | $1383.00 |  |  |  |  |  |  |  | 20251223 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | DSCR- Investor NOO | XXXX XXXXXXX XXXXXX XXXXX | 20251201 |  |  |  |  | 0 | 3.7 |  | No |  | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.43 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXXXXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable | No |  |  |  |  | 82 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1687613 | XXXXXXXXX | XXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $6368.00 | $8263.62 | 20260205 | 0.00% | $2113.47 | $2777.82 | 7.38% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $2730.43 | 1 |  | X | $XXXX.XX | $1189.44 | XXXXXX XXXXXXX | TX | $687.96 |  | XXXXXXXX | 50.43% | 50.43% | 20260115 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 25% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Personal - 2/2025-1/2026 - 12 months;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 2/2026;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 2/2026;<br> [Borrower - Non-Primary Income - Bank Statements] VVOE - 2/2026; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | Bank Statement - 12 months | XXXX XXXXXXX XXXXXX XXXXX | 20251010 |  | $6368.00 |  |  | 0 | 1 |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXXXXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable | No | Alternative Doc |  |  |  | 7 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1686258 | XXXXXXXXX | XXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $2413.96 | $4524.35 | 20260108 | 7.995% | $3543.78 | $4858.85 | 7.88% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $76910.79 | 1 |  | AE | $XXXX.XX | $10309.92 |  |  |  |  |  | 9.774% | 9.774% | 20260105 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 50% | 100% |  |  | [Borrower - Primary Income - Bank Statements] CPA Letter - 01/2026;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 01/2025-12/2025;<br> [Borrower - Primary Income - Bank Statements] Self-Employment Questionnaire (SEQ) - 12/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 12/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 01/2026; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Bank Statement - 12 months | XXXX XXXXXXX XXXXXX XXXXX | 20251010 |  | $2413.96 |  |  | 0 | 1 |  | No |  | N/A | 7.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXXXXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable | No | Alternative Doc |  |  |  | 6 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1687245 | XXXXXXXXX | XXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | $1601.26 | $2489.55 | 6.88% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | -$1100.26 | 4 |  | B | $XXXX.XX | $3081.96 |  |  |  |  |  |  |  | 20251218 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | DSCR- Investor NOO | XXXX XXXXXXX XXXXXX XXXXX | 20251010 |  |  |  |  | 0 |  |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.29 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXXXXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable | No |  |  |  |  | 59 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1686933 | XXXXXXXXX | XXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | $2092.32 | $2411.20 | 6.88% | Yes | Yes | Not Required | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | D | $XXXX.XX | $3217.32 |  |  |  |  |  |  |  | 20260109 | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | DSCR- Investor NOO | XXXX XXXXXXX XXXXXX XXXXX | 20251010 |  |  |  |  | 0 |  |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.56 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Equifax Beacon 5 | XXXXXXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable | No |  |  |  |  | 22 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1685618 | XXXXXXXXX | XXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | $1423.58 | $1895.80 | 6.50% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $XXXX.XX | $2912.04 |  |  |  |  |  |  |  | 20260109 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | DSCR- Investor NOO | XXXX XXXXXXX XXXXXX XXXXX | 20251010 |  |  |  |  | 0 | 1 |  | No |  | N/A | 6.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.27 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Equifax Beacon 5 | XXXXXXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable | No |  |  |  |  | 44 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1685735 | XXXXXXXXX | XXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | $1174.26 | $1665.23 | 6.88% | Yes | Yes | Self-Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $XXXX.XX | $2445.96 | XXXXXXXXXX XXXXX | FL | $225.00 |  | XXXXXXX |  |  | 20251205 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 100% |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | DSCR- Investor NOO | XXXX XXXXXXX XXXXXX XXXXX | 20251010 |  |  |  |  | 0 | 1 |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.26 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Equifax Beacon 5 | XXXXXXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Declining | No |  |  |  |  | 169 |  | No | No | FALSE |  |  |  |  |  |  |  |  |
| 1687616 | XXXXXXXXX | XXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $8970.00 | $10406.70 | 20260115 | 0.00% | $1893.37 | $2544.50 | 8.13% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $5908.80 | 1 |  | X | $XXXX.XX | $798.96 |  |  |  |  |  | 37.176% | 37.176% | 20260123 | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 100% |  | Third Party Prepared(unaudited) | [Borrower - Primary Income - Sole Proprietor] VVOE - 1/27/2026;<br> [Borrower - Primary Income - Sole Proprietor] VVOE - 2/4/2026;<br> [Borrower - Primary Income - Sole Proprietor] P&L Statement - 1/1/2025-12/31/2025-12 months;<br> [Borrower - Primary Income - Sole Proprietor] CPA Letter - 1/16/2026; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | P&L 12 Months CPA prepared 30yr fixed | XXXX XXXXXXX XXXXXX XXXXX | 20251010 |  | $8970.00 |  |  | 0 | 1 |  | No |  | N/A | 8.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | No |  |  |  | No | Fee Simple | Individual(s) | P&L |  | Experian Fair Isaac Model 2 | XXXXXXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable | Yes | Alternative Doc |  |  |  | 6 |  | Yes |  | FALSE |  |  |  |  |  |  |  |  |
| 1687520 | XXXXXXXXX | XXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | $1948.64 | $2877.55 | 7.75% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 2 |  | X | $XXXX.XX | $5988.96 |  |  |  |  |  |  |  | 20260105 | 651 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | DSCR- Investor NOO | XXXX XXXXXXX XXXXXX XXXXX | 20251010 |  |  |  |  | 0 |  |  | No |  | N/A | 7.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.74 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Equifax Beacon 5 | XXXXXXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Increasing | No |  |  |  |  | 68 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1687954 | XXXXXXXXX | XXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | $3179.54 | $3781.74 | 6.88% | Yes | Yes | Not Required | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | -$3093.00 | 2 |  | X | $XXXX.XX | $2065.44 |  |  |  |  |  |  |  | 20260128 | 815 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | DSCR- Investor NOO | XXXX XXXXXXX XXXXXX XXXXX | 20251010 |  |  |  |  | 0 |  |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.11 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXXXXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable | No | Alternative Doc | Alternative Doc |  |  | 12 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1687617 | XXXXXXXXX | XXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | $1848.75 | $2497.85 | 7.25% | Yes | Yes | Not Required | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $XXXX.XX | $1916.28 | XXXXX XXXX | SC | $105.00 |  | XXXXXXX |  |  | 20260106 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | DSCR- Investor NOO | XXXX XXXXXXX XXXXXX XXXXX | 20251201 |  |  |  |  | 0 | 1.1 |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.02 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXXXXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable | No |  |  |  |  | 6 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1688034 | XXXXXXXXX | XXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | $1313.86 | $1883.54 | 6.88% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $XXXX.XX | $3577.08 |  |  |  |  |  |  |  | 20260128 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | DSCR- Investor NOO | XXXX XXXXXXX XXXXXX XXXXX | 20251010 |  |  |  |  | 0 | 2.6 |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.01 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Equifax Beacon 5 | XXXXXXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable | No |  |  |  |  | 123 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1687618 | XXXXXXXXX | XXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | $1036.91 | $1304.34 | 7.25% | Yes | Yes | Not Required | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 3 |  | X | $XXXX.XX | $1095.12 |  |  |  |  |  |  |  | 20260110 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | DSCR- Investor NOO | XXXX XXXXXXX XXXXXX XXXXX | 20251010 |  |  |  |  | 0 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.84 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Equifax Beacon 5 | XXXXXXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable | No |  |  |  |  | 90 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1687519 | XXXXXXXXX | XXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | $1779.27 | $2493.02 | 6.50% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $XXXX.XX | $1377.48 |  |  |  |  |  |  |  | 20260123 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | DSCR- Investor NOO | XXXX XXXXXXX XXXXXX XXXXX | 20251010 |  |  |  |  | 0 | 1 |  | No |  | N/A | 6.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.04 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | XXXXXXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable | No |  |  |  |  | 12 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1685221 | XXXXXXXXX | XXXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | $794.28 | $974.29 | 6.25% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  |  | $XXXX.XX | $1893.00 |  |  |  |  |  |  |  | 20251015 | 698 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | DSCR- Investor NOO | XXXX XXXXXXX XXXXXX XXXXX | 20251010 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.54 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | XXXXXXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable | Yes |  |  |  |  | 85 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1686678 | XXXXXXXXX | XXXXXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | $3761.87 | $4480.79 | 6.75% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 3 |  | X | $XXXX.XX | $4073.28 |  |  |  |  |  |  |  | 20251226 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | DSCR- Investor NOO | XXXX XXXXXXX XXXXXX XXXXX | 20251010 |  |  |  |  | 0 |  |  | No |  | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.58 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXXXXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable | Yes |  |  |  |  | 127 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1684020 | XXXXXXXXX | XXXXXXX | Non-QM | XXXXXXXX | Yes | No | $5940.00 | $8322.55 | 20251117 | 8.056% | $3741.36 | $5178.50 | 7.88% | Yes | Yes | Self-Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $11115.10 | 1 |  | VE | $XXXX.XX | $1955.76 | XXX XXXXXXX | AL | $856.00 |  | XXXXXXX | 46.051% | 46.051% | 20251018 | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 100% |  | Third Party Prepared(unaudited) | [Borrower - Primary Income - S-Corp] Tax Returns – Business - 2023 12 months;<br> [Borrower - Primary Income - S-Corp] Tax Returns – Business - 2024 12 months;<br> [Borrower - Primary Income - S-Corp] Tax Returns – Personal - 2023;<br> [Borrower - Primary Income - S-Corp] Tax Returns – Personal - 2024;<br> [Borrower - Primary Income - S-Corp] K-1 - 2023 12 months;<br> [Borrower - Primary Income - S-Corp] K-1 - 2024 12 months;<br> [Borrower - Primary Income - S-Corp] W-2 - 2023 12 months;<br> [Borrower - Primary Income - S-Corp] W-2 - 2024 12 months;<br> [Borrower - Primary Income - S-Corp] Bank Statements - Business - 08/2025-10/2025;<br> [Borrower - Primary Income - S-Corp] P&L Statement - 11/2025;<br> [Borrower - Primary Income - S-Corp] Telephone Listing / Internet Search / Directory Assistance - 12/2025;<br> [Borrower - Primary Income - S-Corp] Secretary of State (SOS) - 12/2025;<br> [Borrower - Primary Income - Disability] Award Letter / Continuance Letter - 12/2025;<br> [Borrower - Primary Income - Disability] Award Letter / Continuance Letter - 11/2018;<br> [Borrower - Primary Income - Disability] Bank Statements - Personal - 09/2025-12/2025;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2024 4 months;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 11/2025 10 months;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 10/2025;<br> [Co Borrower 1 - Primary Income - Wages] VVOE - 12/2025;<br> [Co Borrower 1 - Primary Income - Wages] Tax Returns – Personal - 2024;<br> [Co Borrower 1 - Primary Income - Wages] Tax Returns – Personal - 2023; | [Borrower] 1040 - 2023;<br> [Borrower] 1040 - 2024;<br> [Co Borrower 1] 1040 - 2023;<br> [Co Borrower 1] 1040 - 2024; | Stated, Level 4 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Full Doc | XXXX XXXXXXX XXXXXX XXXXX | 20251010 |  | $0.00 |  |  | 0 | 1 |  | No |  | N/A | 7.875 | 2 | 1 | 4 | 2 | 0 | 0 | 0 | 0 | 12 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | FICO Risk Score Classic 04 | XXXXXXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable | No | Full | Full |  |  | 57 |  | No | No | FALSE |  |  |  |  |  |  |  |  |
| 1686415 | XXXXXXXXX | XXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | $1836.12 | $3398.72 | 6.88% | Yes | Yes | Self-Employed | Self-Employed |  |  |  |  |  | No | No |  |  |  |  |  | $9463.16 | 1 |  | X | $XXXX.XX | $1923.00 | XXXXX XXXXXX XXX XXXX | CA | $11700.00 |  | XXXXXXXX | 24.32% |  | 20251222 | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  | 50% | 50% |  | [Borrower - Primary Income - S-Corp] Paystubs - 08/2025;<br> [Borrower - Primary Income - S-Corp] Paystubs - 12/2025;<br> [Borrower - Primary Income - S-Corp] W-2 - 2024;<br> [Borrower - Primary Income - S-Corp] W-2 - 2025;<br> [Borrower - Primary Income - S-Corp] Tax Returns – Personal - 2024;<br> [Borrower - Primary Income - S-Corp] Tax Returns – Business - 2024 12 months;<br> [Borrower - Primary Income - S-Corp] P&L Statement - 12/2025 ;<br> [Borrower - Primary Income - S-Corp] Bank Statements - Business - 01/2025-12/2025;<br> [Borrower - Primary Income - S-Corp] K-1 - 2024 12 months;<br> [Borrower - Primary Income - S-Corp] Business License/Validation - 12/2025;<br> [Borrower - Primary Income - S-Corp] P&L Statement - 01/2026;<br> [Borrower - Primary Income - S-Corp] Telephone Listing / Internet Search / Directory Assistance - 01/2026;<br> [Borrower - Primary Income - S-Corp] Telephone Listing / Internet Search / Directory Assistance - 12/2025;<br> [Co Borrower 1 - Primary Income - S-Corp] Paystubs - 12/2025;<br> [Co Borrower 1 - Primary Income - S-Corp] Paystubs - 11/2025;<br> [Co Borrower 1 - Primary Income - S-Corp] Paystubs - 10/2025;<br> [Co Borrower 1 - Primary Income - S-Corp] Paystubs - 09/2025;<br> [Co Borrower 1 - Primary Income - S-Corp] Paystubs - 08/2025;<br> [Co Borrower 1 - Primary Income - S-Corp] Paystubs - 07/2025;<br> [Co Borrower 1 - Primary Income - S-Corp] Paystubs - 06/2025;<br> [Co Borrower 1 - Primary Income - S-Corp] Paystubs - 04/2025;<br> [Co Borrower 1 - Primary Income - S-Corp] Paystubs - 03/2025;<br> [Co Borrower 1 - Primary Income - S-Corp] W-2 - 2024;<br> [Co Borrower 1 - Primary Income - S-Corp] W-2 - 2025;<br> [Co Borrower 1 - Primary Income - S-Corp] Tax Returns – Personal - 2024;<br> [Co Borrower 1 - Primary Income - S-Corp] Tax Returns – Business - 2024;<br> [Co Borrower 1 - Primary Income - S-Corp] K-1 - 2024;<br> [Co Borrower 1 - Primary Income - S-Corp] P&L Statement - 12/2025;<br> [Co Borrower 1 - Primary Income - S-Corp] P&L Statement - 01/2026;<br> [Co Borrower 1 - Primary Income - S-Corp] Bank Statements - Business - 01/2025-12/2025;<br> [Co Borrower 1 - Primary Income - S-Corp] Business License/Validation - 12/2025;<br> [Co Borrower 1 - Primary Income - S-Corp] Telephone Listing / Internet Search / Directory Assistance - 12/2025;<br> [Co Borrower 1 - Primary Income - S-Corp] Telephone Listing / Internet Search / Directory Assistance - 01/2026; | [Borrower] 1040 - 2024;<br> [Borrower] Transcripts - 2024;<br> [Borrower] Transcripts - 2023;<br> [Co Borrower 1] 1040 - 2024;<br> [Co Borrower 1] Transcripts - 2024;<br> [Co Borrower 1] Transcripts - 2023; | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Full Doc | XXXX XXXXXXX XXXXXX XXXXX | 20251010 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.875 | 2 | 2 | 2 | 2 | 0 | 4 | 0 | 0 | 48 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | FICO Risk Score Classic 04 | XXXXXXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable | No | Full | Full |  |  | 11 |  | No | Yes | FALSE |  |  |  |  |  |  |  |  |
| 1687626 | XXXXXXXXX | XXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | $1476.31 | $2147.99 | 8.50% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | -$3388.00 | 1 |  | X | $XXXX.XX | $2698.80 |  |  |  |  |  |  |  | 20251205 | 678 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | DSCR- Investor NOO | XXXX XXXXXXX XXXXXX XXXXX | 20251010 |  | $0.00 |  |  | 0 | 1 |  | No |  | N/A | 8.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.12 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXXXXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable | No |  |  |  |  | 19 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1685454 | XXXXXXXXX | XXXXXXX | Non-QM | XXXXXXXX | Yes | No | $8045.96 | $9536.10 | 20251230 | 7.252% | $2631.27 | $3301.90 | 7.00% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $8528.56 | 1 |  | X | $XXXX.XX | $2109.48 |  |  |  |  |  | 28.831% | 28.831% | 20251126 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 50% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 12/2024-11/2025 12 months;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 01/2026; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Bank Statement - 12 months | XXXX XXXXXXX XXXXXX XXXXX | 20251010 |  | $8045.96 |  |  | 0 | 1.9 |  | Yes |  | N/A | 7 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXXXXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable | Yes | Alternative Doc |  |  |  | 57 |  | Yes |  | FALSE |  |  |  |  |  |  |  |  |
| 1687522 | XXXXXXXXX | XXXXXXX | Non-QM | XXXXXXXX | Yes | No | $4451.00 | $6609.55 | 20260123 | 0.00% | $3136.43 | $3587.39 | 8.88% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $9371.11 | 1 |  | X | $XXXX.XX | $2447.04 |  |  |  |  |  | 41.248% | 41.248% | 20251121 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 50% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 01/2025-12/2025 12 months;<br> [Borrower - Primary Income - Bank Statements] Other - 11/2016;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 02/2026;<br> [Borrower - Primary Income - Bank Statements] VVOE - 02/2026;<br> [Borrower - Primary Income - Bank Statements] Telephone Listing / Internet Search / Directory Assistance - 02/2026;<br> [Borrower - Primary Income - Bank Statements] Other - 11/2016;<br> [Borrower - Primary Income - Bank Statements] Other - 01/2026; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Bank Statement - 12 months | XXXX XXXXXXX XXXXXX XXXXX | 20251010 |  | $4451.00 |  |  | 0 | 2.5 |  | No |  | N/A | 8.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXXXXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable | No | Alternative Doc |  |  |  | 16 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1681889 | XXXXXXXXX | XXXXXXXXX | Safe Harbor QM (APOR) | XXXXXXXX | Yes | No | $2090.00 | $11707.26 | 20251112 | 6.98% | $7554.68 | $11290.42 | 6.88% | No | No | Not Required | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | -$15058.27 | 1 |  | X | $XXXXX.XX | $1404.00 | XXX XXXXXXXXX | CA | $1400.00 |  | XXXXXXX |  |  | 20251103 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Ability to Repay in Full/Asset depletion | XXXX XXXXXXX XXXXXX XXXXX | 20251010 |  | $2090.00 |  |  | 1000 | 1 |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Asset Depletion |  |  | XXXXXXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable | No |  |  |  |  | 125 |  | No | Yes | FALSE |  |  |  |  |  |  |  |  |
| 1685082 | XXXXXXX | XXXXXXX | Non-QM | XXXXXXXX | Yes | No | $6536.00 | $7145.43 | 20251215 | 7.464% | $1455.23 | $2208.72 | 7.13% | No | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $6968.90 | 1 |  | X | $XXXX.XX | $4151.04 |  |  |  |  |  | 46.605% | 46.605% | 20251217 | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Retirement] Award Letter / Continuance Letter - 10/18/2025;<br> [Borrower - Primary Income - Retirement] Bank Statements - Personal - 08/2025-10/2025; |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Full Doc | XXXX XXXXXXX XXXXXX XXXXX | 20251010 |  | $0.00 |  |  | 120 | 1.2 |  | No |  | N/A | 7.125 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Asset Utilization |  | Equifax Beacon 5 | XXXXXXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable | No | Alternative Doc |  |  |  | 6 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1686289 | XXXXXXX | XXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | $2266.40 | $4081.90 | 6.88% | Yes | Yes | Not Required | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $XXXXX.XX | $3686.04 | XXXXXX | TX | $1100.04 |  | XXXXXXXX |  |  | 20251209 | 678 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | DSCR- Investor NOO | XXXX XXXXXXX XXXXXX XXXXX | 20251010 |  |  |  |  | 0 |  |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0.78 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXXXXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable | No |  |  |  |  | 123 |  | No |  | TRUE | 24 |  |  |  |  |  |  |  |
| 1631398 | XXXXXXXXX | XXXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $44563.00 | $46857.47 | 20250114 | 7.848% | $9963.81 | $11908.63 | 7.50% | No | No | Employed | Employed |  |  |  |  |  | No | No |  |  |  |  |  | $12985.46 | 1 |  | X | $XXXX.XX | $13904.04 |  |  |  |  |  | 48.002% | 48.002% | 20250114 | 692 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - Primary Income - Wages] Paystubs - 10/2024-01/2024;<br> [Borrower - Primary Income - Wages] Third Party Verification - 11/2024 -8 months;<br> [Borrower - Primary Income - Wages] WVOE - 11/2024 -13 months ;<br> [Borrower - Primary Income - Wages] W-2 - 2023;<br> [Borrower - Primary Income - Wages] W-2 - 2022;<br> [Borrower - Primary Income - Wages] VVOE - 11/2024;<br> [Co Borrower 1 - Primary Income - Wages] Paystubs - 09/2024-12/2024;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2023;<br> [Co Borrower 1 - Primary Income - Wages] W-2 - 2022;<br> [Borrower - Primary Income - Wages] VVOE - 01/2025;<br> [Co Borrower 1 - Primary Income - Wages] VVOE - 01/2025; |  | Stated, Level 5 Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Full Doc | XXXX XXXXXXX XXXXXX XXXXX | 20250106 |  | $0.00 |  |  | 0 | 2.8 |  | No |  | N/A | 7.5 | 2 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Full |  | Experian Fair Isaac Model 2 | XXXXXXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Increasing | No | Full | Full |  |  | 1 | 21 | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1685449 | XXXXXXXXX | XXXXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | $1280.62 | $1665.83 | 6.63% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $XXXX.XX | $1551.00 |  |  |  |  |  |  |  | 20251112 | 710 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | DSCR- Investor NOO | XXXX XXXXXXX XXXXXX XXXXX | 20251010 |  | $0.00 |  |  | 0 | 1 |  | No |  | N/A | 6.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.2 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Equifax Beacon 5 | XXXXXXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable | Yes |  |  |  |  | 75 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1686526 | XXXXXXXXX | XXXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $6423.42 | $8060.10 | 20260102 | 0.00% | $2789.66 | $3263.26 | 7.50% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $17456.56 | 1 |  | X | $XXXX.XX | $1524.00 | XXXXXXX XXXX | MO | $249.96 |  | XXXXXXXX | 27.219% | 27.219% | 20251216 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 50% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 11/2024-12/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 12/17/2025;<br> [Borrower - Primary Income - Bank Statements] VVOE - 12/17/2025;<br> [Borrower - Primary Income - Bank Statements] Other - Articles of Organization - 02/24/2020; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Bank Statement - 12 months | XXXX XXXXXXX XXXXXX XXXXX | 20251010 |  | $6423.42 |  |  | 0 | 1 |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  |  | XXXXXXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable | No | Alternative Doc |  |  |  | 9 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1687087 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | $6240.25 | $8145.37 | 7.38% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | D | $XXXXX.XX | $2590.68 | XXX XXXXXXX XXXX X XXXXXX XXXX | CA | $601.01 |  | XXXXXXX |  |  | 20260109 | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | DSCR- Investor NOO | XXXX XXXXXXX XXXXXX XXXXX | 20251010 |  |  |  |  | 0 | 1 |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0.55 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Equifax Beacon 5 | XXXXXXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Declining | No |  |  |  |  |  |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1686929 | XXXXXXXXXX | XXXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | $1502.53 | $2250.27 | 8.25% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $23082.54 | 1 |  | X | $XXXX.XX | $1944.72 |  |  |  |  |  | 46.222% |  | 20260108 | 669 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 50% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 11/2024-10/2025-12 months;<br> [Borrower - Primary Income - Bank Statements] VVOE - 1/26/2026;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 7/14/2014; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 1 | 0 | 0 |  | Bank Statement - 12 months | XXXX XXXXXXX XXXXXX XXXXX | 20251010 |  | $0.00 |  |  | -53.43 | 3.8 |  | No |  | N/A | 8.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | FICO Risk Score Classic 04 | XXXXXXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable | No | Alternative Doc |  |  |  | 12 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1685088 | XXXXXXXXXX | XXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $8526.68 | $9361.93 | 20250902 | 7.238% | $834.33 | $1482.66 | 6.50% | No | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $2619.60 | 1 |  | B | $XXXX.XX | $2749.08 |  |  | $0.00 |  | XXXXXXX | 48.043% | 48.043% | 20250822 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 15% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 9/2024-8/2025-12 months;<br> [Borrower - Primary Income - Bank Statements] VVOE - 9/24/2025;<br> [Borrower - Primary Income - Bank Statements] Third Party Verification - 9/24/2025;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 5/16/2023;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 5/16/2023;<br> [Borrower - Primary Income - Bank Statements] CPA Letter - 9/9/2025;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 6/2/2023; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | Bank Statement - 12 months | XXXX XXXXXXX XXXXXX XXXXX | 20251010 |  | $8526.68 |  |  | 0 | 1 |  | No |  | N/A | 6.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Equifax Beacon 5 | XXXXXXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable | Yes | Alternative Doc |  |  |  | 42 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1684353 | XXXXXXXXXX | XXXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | $1965.02 | $3098.69 | 8.00% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $XXXX.XX | $1104.00 | XXXXXX XXXXX XXXXX XXXXXX XXXXX | FL | $498.12 |  | XXXXXXX |  |  | 20251124 | 650 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | DSCR- Investor NOO | XXXX XXXXXXX XXXXXX XXXXX | 20251010 |  |  |  |  | 0 | 1 |  | No |  | N/A | 8 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 2.19 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXXXXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable | No |  |  |  |  | 8 |  | No | No | FALSE |  |  |  |  |  |  |  |  |
| 1683441 | XXXXXXXXXX | XXXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  | 20251204 | 0.00% | $2079.47 | $3035.01 | 6.88% | Yes | N/A | Not Required |  |  |  |  |  |  | Yes | No |  |  |  | XXXXXXX |  | $0.00 | 1 |  | X | $XXXX.XX | $1251.36 | XXXXXX | FL | $162.00 |  | XXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | DSCR- Foreign National | XXXX XXXXXXX XXXXXX XXXXX | 20251010 |  | $0.00 |  |  | 0 | 1 |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.85 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  |  | XXXXXXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable | No |  |  |  |  | 2 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1685738 | XXXXXXXXXX | XXXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | $1595.55 | $2672.13 | 6.75% | Yes | Yes | Not Required | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $XXXX.XX | $1188.00 | XXXXXX XXXXX XXXXX XXXXXX XXXXX | FL | $500.00 |  | XXXXXXX |  |  | 20251006 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | DSCR- Investor NOO | XXXX XXXXXXX XXXXXX XXXXX | 20251010 |  |  |  |  | 0 | 1 |  | No |  | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 2.53 |  |  | No | Fee Simple | Trust | Debt Service Coverage |  | Equifax Beacon 5 | XXXXXXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable | No |  |  |  |  | 15 |  | No | No | FALSE |  |  |  |  |  |  |  |  |
| 1685146 | XXXXXXXXXX | XXXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | $732.70 | $1053.05 | 6.25% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $XXXX.XX | $1719.24 |  |  |  |  |  |  |  | 20251110 | 807 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | DSCR- Investor NOO | XXXX XXXXXXX XXXXXX XXXXX | 20251010 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 6.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.23 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Equifax Beacon 5 | XXXXXXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable | No |  |  |  |  | 189 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1685396 | XXXXXXXXXX | XXXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  | 20260106 | 0.00% | $1749.07 | $2116.10 | 6.88% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $XXXX.XX | $1062.00 | XXXXXXXX XXXXXX | WA | $300.00 |  | XXXXXXXX |  |  | 20251203 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | DSCR- Investor NOO | XXXX XXXXXXX XXXXXX XXXXX | 20251010 |  | $0.00 |  |  | -710 |  |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 2.46 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | XXXXXXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable | No |  |  |  |  | 80 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1685296 | XXXXXXXXXX | XXXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  | 20260102 | 0.00% | $1422.08 | $1893.66 | 7.00% | Yes | Yes | Not Required | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 2 |  | X | $XXXX.XX | $2501.88 |  |  |  |  |  |  |  | 20251202 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | DSCR- Investor NOO | XXXX XXXXXXX XXXXXX XXXXX | 20251010 |  | $0.00 |  |  | 0 |  |  | No |  | N/A | 7 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.32 |  |  | No | Fee Simple | Corporation | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXXXXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable | No |  |  |  |  | 103 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1686990 | XXXXXXXXXX | XXXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | $2593.55 | $3605.20 | 6.88% | Yes | N/A | Not Required |  |  |  |  |  |  | Yes | No |  |  |  | XXXXXX'X XXXXXXX XX XXXXX |  | $0.00 | 1 |  | X | $XXXXX.XX | $1836.60 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | DSCR- Foreign National | XXXX XXXXXXX XXXXXX XXXXX | 20251010 |  |  |  |  | 0 | 1 |  | No |  | N/A | 6.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.04 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  |  | XXXXXXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable | No |  |  |  |  | 58 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1685801 | XXXXXXXXX | XXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | $699.21 | $1106.70 | 7.50% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $XXXX.XX | $923.04 | XXXXXX XXXXX XXXXX XXXXXX XXXXX | LA | $2412.00 |  | XXXXXXXX |  |  | 20260105 | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | DSCR- Investor NOO | XXXX XXXXXXX XXXXXX XXXXX | 20251010 |  |  |  |  | 0 | 1 |  | No |  | N/A | 7.5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.08 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXXXXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable | No |  |  |  |  | 669 |  | No | Yes | FALSE |  |  |  |  |  |  |  |  |
| 1686869 | XXXXXXXXX | XXXXXXXXXXXXXX | Non-QM | XXXXXXXX | Yes | No | $2829.00 | $5326.21 | 20260123 | 0.00% | $2146.21 | $2959.17 | 7.88% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $14778.68 | 1 |  | X | $XXXX.XX | $5262.84 |  |  |  |  |  | 33.445% | 33.445% | 20260102 | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 50% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 11/2024-12/2025 12 months;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 04/2025;<br> [Borrower - Primary Income - Bank Statements] Other - 4/2025;<br> [Borrower - Primary Income - Bank Statements] Other - 1/2023;<br> [Borrower - Primary Income - Bank Statements] Other - 12/2024;<br> [Borrower - Primary Income - Bank Statements] Other - 01/2015;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 1/2026; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | Bank Statement - 12 months | XXXX XXXXXXX XXXXXX XXXXX | 20251010 |  | $2829.00 |  |  | 0 | 2.5 |  | No |  | N/A | 7.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Individual(s) | Bank Statement |  | Experian Fair Isaac Model 2 | XXXXXXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable | No | Alternative Doc |  |  |  | 14 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1685866 | XXXXXXXXX | XXXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | $895.36 | $1586.19 | 7.25% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $XXXX.XX | $1313.04 | XXXXXXXX XXXXX XXXXXXXXXX | GA | $200.00 |  | XXXXXXX |  |  | 20251218 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 1 | 0 | 0 |  | DSCR- Investor NOO | XXXX XXXXXXX XXXXXX XXXXX | 20251010 |  |  |  |  | 0 | 1 |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.01 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXXXXXX |  |  | 000000000001000000000000 |  |  |  | Declining | No |  |  |  |  | 7 |  | No | Yes | FALSE |  |  |  |  |  |  |  |  |
| 1688119 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | $9706.76 | $11217.79 | 7.00% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $XXXXX.XX | $1664.04 |  |  |  |  |  |  |  | 20251218 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | DSCR- Investor NOO | XXXX XXXXXXX XXXXXX XXXXX | 20251010 |  |  |  |  | 0 | 5 |  | No |  | N/A | 7 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.07 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXXXXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable | No |  |  |  |  | 16 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1687745 | XXXXXXXXXXXX | XXXXXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | $6160.05 | $7599.69 | 7.25% | Yes | Yes | Not Required | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | -$6054.00 | 1 |  | X500 | $XXXXX.XX | $2582.64 |  |  |  |  |  |  |  | 20251212 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | DSCR- Investor NOO | XXXX XXXXXXX XXXXXX XXXXX | 20251010 |  | $0.00 |  |  | -850 | 1.9 |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0.68 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXXXXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable | No |  |  |  |  | 33 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1686296 | XXXXXXXXX | XXXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | $799.11 | $1277.63 | 7.38% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | -$959.00 | 1 |  | X | $XXXX.XX | $782.04 | XXXXXXX XXXXX | IN | $138.00 |  | XXXXXXX |  |  | 20251208 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | DSCR- Investor NOO | XXXX XXXXXXX XXXXXX XXXXX | 20251010 |  |  |  |  | 0 | 1.2 |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 0.84 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXXXXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Increasing | Yes |  |  |  |  | 20 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1686433 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | $2467.50 | $3948.98 | 7.00% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | VE | $XXXX.XX | $270.96 | XXXXXXX XXXXX | HI | $1413.00 |  | XXXXXXX |  |  | 20251028 | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | DSCR- Investor NOO | XXXX XXXXXXX XXXXXX XXXXX | 20251010 |  |  |  |  | 0 | 3.3 |  | No |  | N/A | 7 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXXXXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable | No |  |  |  |  | 100 |  | No | No | FALSE |  |  |  |  |  |  |  |  |
| 1686991 | XXXXX | XXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | $1106.66 | $1444.47 | 7.25% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | -$2547.58 | 2 |  | X | $XXXX.XX | $2601.96 |  |  |  |  |  |  |  | 20251116 | 710 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | DSCR- ITIN | XXXX XXXXXXX XXXXXX XXXXX | 20251010 |  |  |  |  | 0 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.32 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXXXXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable | No |  |  |  |  | 25 |  | Yes |  | FALSE |  |  |  |  |  |  |  |  |
| 1685877 | XXXXX | XXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | $1001.59 | $1238.38 | 8.00% | Yes | N/A | Not Required |  |  |  |  |  |  | Yes | No |  |  |  | XXXXXXX |  | $0.00 | 2 |  | X | $XXXX.XX | $1275.00 |  |  |  |  |  |  |  | 20251205 | 672 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | DSCR- ITIN | XXXX XXXXXXX XXXXXX XXXXX | 20251010 |  |  |  |  | 0 |  |  | No |  | N/A | 8 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.98 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Equifax Beacon 5 | XXXXXXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable | No |  |  |  |  | 99 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1686724 | XXXXX | XXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | $1948.30 | $2573.15 | 7.25% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $XXXX.XX | $1548.00 | XXXXXXXX | FL | $50.04 |  | XXXXXXXX |  |  | 20260105 | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | DSCR- Investor NOO | XXXX XXXXXXX XXXXXX XXXXX | 20251010 |  |  |  |  | 0 | 1 |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.03 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | XXXXXXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Declining | No |  |  |  |  | 11 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1683705 | XXXXXXXXXXXXX | XXXXXXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | $2918.15 | $5572.37 | 6.75% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $XXXXX.XX | $1347.00 | XXX XXXX XX XX XXXX | NY | $950.00 |  | XXXXXXX |  |  | 20251106 | 683 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | DSCR- Investor NOO | XXXX XXXXXXX XXXXXX XXXXX | 20251010 |  |  |  |  | 0 | 1.6 |  | No |  | N/A | 6.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.11 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXXXXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable | No |  |  |  |  | 14 |  | No | Yes | FALSE |  |  |  |  |  |  |  |  |
| 1687487 | XXXXXXX | XXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | $805.96 | $1030.49 | 7.75% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $XXXX.XX | $1512.00 |  |  |  |  |  |  |  | 20251222 | 693 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | DSCR- Investor NOO | XXXX XXXXXXX XXXXXX XXXXX | 20251010 |  |  |  |  | 0 | 1.6 |  | No |  | N/A | 7.75 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.8 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXXXXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable | No |  |  |  |  | 92 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1687551 | XXXXXXX | XXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | $2510.02 | $3545.90 | 6.63% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 3 |  | X | $XXXX.XX | $4641.96 |  |  |  |  |  |  |  | 20260116 | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | DSCR- Investor NOO | XXXX XXXXXXX XXXXXX XXXXX | 20251010 |  |  |  |  | 0 |  |  | No |  | N/A | 6.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.54 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | Equifax Beacon 5 | XXXXXXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable | No |  |  |  |  | 13 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1683315 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  | 20251112 | 0.00% | $2029.17 | $2377.34 | 7.00% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $XXXX.XX | $2235.00 |  |  |  |  |  |  |  | 20250924 | 712 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | DSCR- Investor NOO | XXXX XXXXXXX XXXXXX XXXXX | 20251010 |  | $0.00 |  |  | 0 | 4 |  | No |  | N/A | 7 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.05 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXXXXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable | No |  |  |  |  | 1 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1684823 | XXXXXXXXXXX | XXXXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | $3248.31 | $3952.33 | 7.88% | Yes | N/A | Self-Employed |  |  |  |  |  |  | No | No |  |  |  |  |  | $77137.98 | 1 |  | X | $XXXX.XX | $4244.04 |  |  |  |  |  | 17.608% |  | 20251028 | 711 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 50% | 100% |  |  | [Borrower - Primary Income - Bank Statements] Business License/Validation - 2/23/2023;<br> [Borrower - Primary Income - Bank Statements] Secretary of State (SOS) - 8/28/2024;<br> [Borrower - Primary Income - Bank Statements] Bank Statements - Business - 11/2024-10/2025-12 months;<br> [Borrower - Primary Income - Bank Statements] Business License/Validation - 9/19/2025; |  | Stated, Verified but not Verified to Level 4 or Level 5 |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 |  |  |  |  | Bank Statement - 12 months | XXXX XXXXXXX XXXXXX XXXXX | 20251010 |  |  |  |  | 0 |  |  | No |  | N/A | 7.875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | No |  |  |  | No | Fee Simple | Limited Liability Corp | Bank Statement |  | Experian Fair Isaac Model 2 | XXXXXXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Declining | Yes | Alternative Doc |  |  |  | 21 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1686954 | XXXXXXXXX | XXXXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | $830.89 | $1106.69 | 7.25% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | -$4319.00 | 2 |  | X | $XXXX.XX | $725.04 |  |  |  |  |  |  |  | 20251112 | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | DSCR- Investor NOO | XXXX XXXXXXX XXXXXX XXXXX |  |  |  |  |  | 0 |  |  | No |  | N/A | 7.25 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.94 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXXXXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable | Yes |  |  |  |  | 48 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1685501 | XXXXXXXXX | XXXXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | $3812.53 | $4597.10 | 7.38% | Yes | Yes | Not Required | Not Required |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 2 |  | X | $XXXX.XX | $2026.20 |  |  |  |  |  |  |  | 20251210 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | DSCR- Investor NOO | XXXX XXXXXXX XXXXXX XXXXX | 20251010 |  |  |  |  | 0 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Equifax Beacon 5 | XXXXXXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable | Yes |  |  |  |  | 15 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1685143 | XXXXXXXXXX | XXXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | $1069.32 | $2846.58 | 6.63% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | AE | $XXXXX.XX | $7115.04 | XXXX XXXXXXXX | FL | $95.00 |  | XXXXXXX |  |  | 20251209 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | DSCR- Investor NOO | XXXX XXXXXXX XXXXXX XXXXX | 20251010 |  |  |  |  | 0 | 1 |  | No |  | N/A | 6.625 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.76 |  |  | No | Fee Simple | Corporation | Debt Service Coverage |  | Experian Fair Isaac Model 2 | XXXXXXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable | No |  |  |  |  | 0 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1687451 | XXXXXXXXXX | XXXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | $2089.05 | $2830.69 | 7.00% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $XXXX.XX | $3216.00 |  |  |  |  |  |  |  | 20260127 | 681 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | DSCR- Investor NOO | XXXX XXXXXXX XXXXXX XXXXX | 20251010 |  |  |  |  | 0 | 1 |  | No |  | N/A | 7 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.33 |  |  | No | Fee Simple | Individual(s) | Debt Service Coverage |  | Equifax Beacon 5 | XXXXXXXX |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  | Stable | Yes |  |  |  |  | 103 |  | No |  | FALSE |  |  |  |  |  |  |  |  |
| 1687553 | XXXXXXXXXX | XXXXXXXXXX | Exempt | XXXXXXXX | No | No |  |  |  | 0.00% | $1160.33 | $1712.74 | 7.38% | Yes | N/A | Not Required |  |  |  |  |  |  | No | No |  |  |  |  |  | $0.00 | 1 |  | X | $XXXX.XX | $3494.04 |  |  |  |  |  |  |  | 20260203 | 670 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  | Not Stated, not Verified |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 |  | DSCR- Investor NOO | XXXX XXXXXXX XXXXXX XXXXX | 20251010 |  |  |  |  | 0 |  |  | No |  | N/A | 7.375 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | 1.11 |  |  | No | Fee Simple | Limited Liability Corp | Debt Service Coverage |  | FICO Risk Score Classic 04 | XXXXXXXX |  |  | 000000100000000000000000 |  |  |  | Stable | No |  |  |  |  | 73 |  | No |  | FALSE |  |  |  |  |  |  |  |  |

---

## Exhibit 99.07

[MFA 2026-NQM2 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.07 - Schedule 7**

![](evolve-logo.jpg)

---

| |
|:---|
| **Business Purpose Data** |
| **Run Date - 04/30/2026 7:21:22 AM** |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Evolve Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Seller Name** | **Originator Name** | **Guideline Author** | **Loan Program** | **Loan Program Date** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Rental Source for Property DTI Calculation** | **Short Term Rental** | **STR Source** | **STR Amount** | **Property DTI** | **Investor DTI** | **Value Used for DSCR Calc** | **DSCR** | **Total DSCR** | **PITIA** | **Lease End Date** | **Original Lease Term** | **Is Lease Month To Month** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Actual Loss Amount** | **HOA Flag** | **HOA Monthly Premium Amount** | **Monthly Property Tax** | **Monthly Insurance Cost** | **Asset Verification** | **Blanket Mortgage Flag** | **Number of Mortgaged Properties With Lender** | **Number of Properties** | **Foreign National Alternative Credit Documentation** | **Foreign National Borrower 1** | **Foreign National Borrower 2** | **Investor Type** | **Months Reserves** | **Number of Years Property Owned** | **Borrower Residency Status** | **Co Borrower Residency Status** | **Qualifying Credit Score** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Months Deed in Lieu** | **Months Short Sale or Pre FC** | **Prior Mtg Rent Late 30d in 12m** | **Prior Mtg Rent Late 60d in 12m** | **Prior Mtg Rent Late 90d in 12m** | **Prior Mtg Rent Late 30d in 24m** | **Prior Mtg Rent Late 60d in 24m** | **Prior Mtg Rent Late 90d in 24m** | **Section 8** | **Street Address** | **Borrower 1 Type** | **Borrower 1 Designation** | **Borrower 1 First Name** | **Borrower 1 Last Name** | **Borrower 2 Type** | **Borrower 2 Designation** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 3 Designation** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 4 Designation** | **Borrower 4 First Name** | **Borrower 4 Last Name** | **Personal Guarantee** | **Personal Guaranty Recourse Level** | **Guarantor 1 First Name** | **Guarantor 1 Last Name** | **Guarantor 1 Number of Mortgaged Properties** | **Guarantor 1 Citizenship** | **Guarantor 1 Asset Verification Level** | **Guarantor 1 Experian FICO** | **Guarantor 1 Equifax FICO** | **Guarantor 1 Trans Union FICO** | **Guarantor 2 First Name** | **Guarantor 2 Last Name** | **Guarantor 2 Number of Mortgaged Properties** | **Guarantor 2 Citizenship** | **Guarantor 2 Asset Verification Level** | **Guarantor 2 Experian FICO** | **Guarantor 2 Equifax FICO** | **Guarantor 2 Trans Union FICO** | **Borrower 1 Employment Status** | **Borrower 2 Employment Status** | **Loan Application Date** | **Sales Contract Date** | **Qualifying Home Value for LTV** | **Number of Units** | **Year Built** | **Total Sq Ft** | **Number of Bedrooms** | **Number of Bathrooms** | **Property Condition** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Borrower Entity Type** | **Name of Borrowing Entity** | **Default Rate Clause** | **Default Rate** | **EIN Number** |
| 1687618 | XXXXXXXXX | XXXXXXXXX |  | XXXXXXX XXXXXXX XXXXXXX | XXXX XXXXXXX XXXXXX XXXXX | DSCR- Investor NOO | 20251010 | Debt Service Coverage | Yes | No | $X.XX | $2400.00 | FNMA 1007/216 | 1025 | No |  | 0 |  |  | 2400 | 1.84 | 1.84 | $1304.34 |  |  |  | Yes | $0.00 | Yes | NO | $X.XX | $XXX.XX | $91.26 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 90 | 6 | US Citizen | US Citizen | 773 | 0 | 0 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXXXXXXXXXXXX | Primary | Primary | XXXXXXXX | XXXXXX | Co-Borrower | Co-Borrower | XXXXX | XXXXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | XXXXXXXX | XXXXXXX | $XXX,XXX.XX | 3 | 1991 | 2256 | 4 | 3 | C4 | $190000.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 1687519 | XXXXXXXXX | XXXXXXXXX |  | XXXXXXX XXXXXXX XXXXXXX | XXXX XXXXXXX XXXXXX XXXXX | DSCR- Investor NOO | 20251010 | Debt Service Coverage | Yes | No | $X.XX | $2600.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2600 | 1.04 | 1.04 | $2493.02 |  |  |  | Yes | $59800.00 |  | NO | $X.XX | $XXX.XX | $114.79 | Stated, Verified | NO | 1 | 5 |  | No | No | Experienced | 12 | 3 | US Citizen |  | 784 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXXXXXXX |  | US Citizen | Stated, Verified | 792 | 784 | 771 |  |  |  |  |  |  |  |  | Not Required |  | XXXXXXXX | XXXXXXX | $XXX,XXX.XX | 1 | 2005 | 2068 | 3 | 2 | C3 | $575000.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXXXX XXXXX, XXX. | FALSE |  | XX-XXXXXXX |
| 1688034 | XXXXXXXXX | XXXXXXXXX |  | XXXXXXX XXXXXXX XXXXXXX | XXXX XXXXXXX XXXXXX XXXXX | DSCR- Investor NOO | 20251010 | Debt Service Coverage | Yes | No | $X.XX | $1900.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1900 | 1.01 | 1.01 | $1883.54 |  |  |  | Yes | $36000.00 |  | NO | $X.XX | $XXX.XX | $298.09 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 123 | 7 | US Citizen |  | 799 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXX | XXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXXXX | XXXXXXX | $XXX,XXX.XX | 1 | 1988 | 1154 | 3 | 2 | C3 | $250000.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 1687617 | XXXXXXXXX | XXXXXXXXX |  | XXXXXXX XXXXXXX XXXXXXX | XXXX XXXXXXX XXXXXX XXXXX | DSCR- Investor NOO | 20251201 | Debt Service Coverage | Yes | No | $X.XX | $2550.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2550 | 1.02 | 1.02 | $2497.85 |  |  |  | Yes | $40000.00 |  | YES | $XXX.XX | $XXX.XX | $159.69 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 6 | 43 | US Citizen | US Citizen | 773 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXX | Primary | Primary | XXXXXXX | XXXXXXXX | Co-Borrower | Co-Borrower | XXXXXX | XXXXXXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | XXXXXXXX | XXXXXXX | $XXX,XXX.XX | 1 | 2024 | 2077 | 4 | 2.1 | C2 | $382500.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 1687745 | XXXXXXXXXXXX | XXXXXXXXXXXX |  | XXXXXXX XXXXX XXXXXXXX | XXXX XXXXXXX XXXXXX XXXXX | DSCR- Investor NOO | 20251010 | Debt Service Coverage | Yes | No | $X.XX | $5200.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 5200 | 0.68 | 0.68 | $7599.69 |  |  |  | Yes | $142891.00 |  | NO | $X.XX | $X,XXX.XX | $215.22 | Stated, Verified | NO | 1 | 5 |  | No | No | Experienced | 33 | 0 | US Citizen | US Citizen | 784 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXX | XXXXXXXX | Co-Borrower | Co-Borrower | XXXX | XXXXXXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | XXXXXXXX | XXXXXXX | $X,XXX,XXX.XX | 1 | 1965 | 2014 | 5 | 3 | C3 | $1290000.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 1687954 | XXXXXXXXX | XXXXXXXXX |  | XXXXXXX XXXXXXX XXXXXXX | XXXX XXXXXXX XXXXXX XXXXX | DSCR- Investor NOO | 20251010 | Debt Service Coverage | Yes | No | $X.XX | $4200.00 |  | 1025 | No |  | 0 |  |  | 4200 | 1.11 | 1.11 | $3781.74 |  |  |  | Yes | $66300.00 |  | NO | $X.XX | $XXX.XX | $172.12 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 12 | 7 | US Citizen | US Citizen | 815 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXX | Primary | Primary | XXXXXX | XXXX | Co-Borrower | Co-Borrower | XXXXXXXXX | XXXXXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | XXXXXXXX | XXXXXXX | $XXX,XXX.XX | 2 | 2025 | 4250 | 6 | 4.2 | C1 | $605000.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 1686990 | XXXXXXXXXX | XXXXXXXXXX |  | XXX XXXXXXXXXXXXXXXX XXX | XXXX XXXXXXX XXXXXX XXXXX | DSCR- Foreign National | 20251010 | Debt Service Coverage | Yes | No | $X.XX | $3750.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3750 | 1.04 | 1.04 | $3605.20 |  |  |  | Yes | $89100.00 |  | NO | $X.XX | $XXX.XX | $153.05 | Stated, Verified | NO | 1 | 1 |  | Yes | No | Inexperienced | 58 | 2.9 | Non Permanent Resident Alien |  |  | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXXXX | XXXXXXX | $XXX,XXX.XX | 1 | 2020 | 2832 | 4 | 3.1 | C2 | $658000.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 1687626 | XXXXXXXXX | XXXXXXX |  | XXXXX XXXXX XXXXXX | XXXX XXXXXXX XXXXXX XXXXX | DSCR- Investor NOO | 20251010 | Debt Service Coverage | Yes | No | $X.XX | $2400.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2400 | 1.12 | 1.12 | $2147.99 |  |  |  | Yes | $33200.00 |  | NO | $X.XX | $XXX.XX | $224.90 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 19 | 3 | US Citizen |  | 678 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXX | Primary | Primary | XXXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXXXX | XXXXXXX | $XXX,XXX.XX | 1 | 2007 | 1848 | 4 | 2 | C3 | $240000.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 1686415 | XXXXXXXXX | XXXXXXX |  | XXXXX XXXXX XXXXXX | XXXX XXXXXXX XXXXXX XXXXX | Full Doc | 20251010 | Full | Yes | No | $X.XX | $2250.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 24.32 |  | 0 |  |  | $3398.72 |  |  |  | Yes | $36000.00 |  | YES | $XXX.XX | $XXX.XX | $160.25 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 11 | 13 | US Citizen | US Citizen | 798 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXX | XXXXXXX | Co-Borrower | Co-Borrower | XXXXXXXX | XXXXXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Employed | XXXXXXXX | XXXXXXX | $XXX,XXX.XX | 1 | 1974 | 824 | 2 | 1.1 | C3 | $430000.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 1686724 | XXXXX | XXXXX |  | XXXXX XXXXXXXXX | XXXX XXXXXXX XXXXXX XXXXX | DSCR- Investor NOO | 20251010 | Debt Service Coverage | Yes | No | $X.XX | $2650.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2650 | 1.03 | 1.03 | $2573.15 |  |  |  | Yes | $18750.00 |  | YES | $X.XX | $XXX.XX | $129.00 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 11 | 5 | US Citizen |  | 696 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXX | XXXXX |  | US Citizen | Stated, Verified | 684 | 696 | 696 |  |  |  |  |  |  |  |  | Not Required |  | XXXXXXXX | XXXXXXX | $XXX,XXX.XX | 1 | 2020 | 1977 | 3 | 2 | C3 | $408000.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXXXX XXXXX, XXX. | FALSE |  | XX-XXXXXXX |
| 1687551 | XXXXXXX | XXXXXXX |  | XXXXXX, XXX | XXXX XXXXXXX XXXXXX XXXXX | DSCR- Investor NOO | 20251010 | Debt Service Coverage | Yes | Yes | $X,XXX.XX | $5460.00 |  | 1025 | No |  | 0 |  |  | 5460 | 1.54 | 1.54 | $3545.90 | 20260430 | 12 | No | Yes | $50000.00 |  | NO | $X.XX | $XXX.XX | $386.83 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 13 | 11 | US Citizen |  | 750 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXXXXXX | XXXXXX |  | US Citizen | Stated, Verified | 738 | 750 | 750 |  |  |  |  |  |  |  |  | Not Required |  | XXXXXXXX | XXXXXXX | $XXX,XXX.XX | 3 | 1900 | 3084 | 9 | 3 | C4 | $490000.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXXXX XXXXX, XXX. | FALSE |  | XX-XXXXXXX |
| 1687245 | XXXXXXXXX | XXXXXXXXX |  | XXXXXXX XXXXXXX XXXXXXX | XXXX XXXXXXX XXXXXX XXXXX | DSCR- Investor NOO | 20251010 | Debt Service Coverage | Yes | No | $X.XX | $3200.00 |  | 1025 | No |  | 0 |  |  | 3200 | 1.29 | 1.29 | $2489.55 |  |  |  | No |  |  | NO | $X.XX | $XXX.XX | $256.83 | Stated, Verified | NO | 1 | 3 |  | No | No | Inexperienced | 59 | 5 | US Citizen |  | 756 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXX | Primary | Primary | XXXXXXXX | XXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXXXX | XXXXXXX | $XXX,XXX.XX | 4 | 1984 | 3720 | 8 | 4 | C4 | $325000.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 1685618 | XXXXXXXXX | XXXXXXXXX |  | XXXXXXX XXXXXXX XXXXXXX | XXXX XXXXXXX XXXXXX XXXXX | DSCR- Investor NOO | 20251010 | Debt Service Coverage | Yes | No | $X.XX | $2400.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2400 | 1.27 | 1.27 | $1895.80 |  |  |  | Yes | $46800.00 |  | NO | $X.XX | $XXX.XX | $242.67 | Stated, Verified | NO | 1 | 6 |  | No | No | Experienced | 44 | 1 | US Citizen |  | 792 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXX | Primary | Primary | XXXXX | XXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXXXX | XXXXXXX | $XXX,XXX.XX | 1 | 1980 | 2659 | 4 | 2.1 | C3 | $346500.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 1685801 | XXXXXXXXX | XXXXXXXXX |  | XXXXX XXXXX XXXXXX | XXXX XXXXXXX XXXXXX XXXXX | DSCR- Investor NOO | 20251010 | Debt Service Coverage | Yes | No | $X.XX | $1200.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1200 | 1.08 | 1.08 | $1106.70 |  |  |  | Yes | $24000.00 |  | YES | $XXX.XX | $XXX.XX | $76.92 | Stated, Verified | NO | 1 | 5 |  | No | No | Experienced | 669 | 11 | US Citizen |  | 729 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXX | XXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXXXX | XXXXXXX | $XXX,XXX.XX | 1 | 2006 | 679 | 1 | 1 | C3 | $125000.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 1685621 | XXXXXXXXX | XXXXXXXXX |  | XXXXXXX XXXXXXX XXXXXXX | XXXX XXXXXXX XXXXXX XXXXX | DSCR- Investor NOO | 20251201 | Debt Service Coverage | Yes | No | $X.XX | $1450.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1450 | 1.43 | 1.43 | $1015.50 |  |  |  | Yes | $33000.00 |  | NO | $X.XX | $XXX.XX | $115.25 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 82 | 7 | US Citizen |  | 809 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXX |  | US Citizen | Stated, Verified | 781 | 816 | 809 |  |  |  |  |  |  |  |  | Not Required |  | XXXXXXXX | XXXXXXX | $XXX,XXX.XX | 1 | 1920 | 1406 | 3 | 1 | C4 | $127000.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXXXX XXXXX, XXX. | FALSE |  | XX-XXXXXXX |
| 1685396 | XXXXXXXXXX | XXXXXXXXXX |  | XXXXXXXXXXX XXXXX XXXXXXXXX | XXXX XXXXXXX XXXXXX XXXXX | DSCR- Investor NOO | 20251010 | Debt Service Coverage | Yes | No | $X.XX | $1400.00 | FNMA 1007/216 | Short Term Rental Documents | Yes | Appraiser STR Analysis | 5400 |  |  | 5200 | 2.46 | 2.46 | $2116.10 |  |  |  | Yes | $15970.00 |  | YES | $XX.XX | $XXX.XX | $88.50 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 80 | 2 | US Citizen |  | 745 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXXXXXX | XXXXXX |  | US Citizen | Stated, Verified | 735 | 745 | 765 |  |  |  |  |  |  |  |  | Not Required |  | XXXXXXXX | XXXXXXX | $XXX,XXX.XX | 1 | 1968 | 491 | 1 | 1 | C3 | $355000.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXXXX XXXXX, XXX. | FALSE |  | XX-XXXXXXX |
| 1686991 | XXXXX | XXXXX |  | XXXXX XXXXXXXXX | XXXX XXXXXXX XXXXXX XXXXX | DSCR- ITIN | 20251010 | Debt Service Coverage | Yes | Yes | $X,XXX.XX | $2000.00 |  | Leases | No |  | 0 |  |  | 1900 | 1.32 | 1.32 | $1444.47 | 20230731 | 12 | Yes | Yes | $29300.00 |  | NO | $X.XX | $XXX.XX | $216.83 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 25 | 4 | Non Permanent Resident Alien |  | 710 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXX | XXXXXXXXXXXXXXXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXXXX | XXXXXXX | $XXX,XXX.XX | 2 | 1955 | 1617 | 4 | 2 | C3 | $231750.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 1686929 | XXXXXXXXXX | XXXXXXXXXX |  | XXX XXXXXXX XXXXXXXX | XXXX XXXXXXX XXXXXX XXXXX | Bank Statement - 12 months | 20251010 | Bank Statement | Yes | No | $X.XX | $1850.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 | 46.222 |  | 0 |  |  | $2250.27 |  |  |  | Yes | $0.00 | Yes | NO | $X.XX | $XXX.XX | $162.06 | Stated, Verified | NO | 1 | 10 |  | No | No | Experienced | 12 | 2 | US Citizen |  | 669 | 0 | 0 |  |  | 1 | 0 | 0 | 1 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXXX | XXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed |  | XXXXXXXX | XXXXXXX | $XXX,XXX.XX | 1 | 1972 | 1887 | 3 | 2 | C4 | $250000.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 1685146 | XXXXXXXXXX | XXXXXXXXXX |  | XXX XXXXXXXXXXXXXXXX XXX | XXXX XXXXXXX XXXXXX XXXXX | DSCR- Investor NOO | 20251010 | Debt Service Coverage | Yes | No | $X.XX | $1300.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1300 | 1.23 | 1.23 | $1053.05 |  |  |  | Yes | $22000.00 |  | NO | $X.XX | $XXX.XX | $143.27 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 189 | 9 | US Citizen |  | 807 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXX | XXXXXXXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXXXX | XXXXXXX | $XXX,XXX.XX | 1 | 1954 | 1366 | 3 | 2 | C2 | $170000.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 1683705 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXX XXXXXX XXXXXXX XXXXXXXX | XXXX XXXXXXX XXXXXX XXXXX | DSCR- Investor NOO | 20251010 | Debt Service Coverage | Yes | No | $X.XX | $6200.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 6200 | 1.11 | 1.11 | $5572.37 |  |  |  | Yes | $0.00 | Yes | YES | $XXX.XX | $X,XXX.XX | $112.25 | Stated, Verified | NO | 1 | 1 |  | No | No | Experienced | 14 | 15 | Permanent Resident Alien |  | 683 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXX | XXX |  | Permanent Resident Alien | Stated, Verified | 699 | 663 | 683 |  |  |  |  |  |  |  |  | Not Required |  | XXXXXXXX | XXXXXXX | $X,XXX,XXX.XX | 1 | 2021 | 677 | 1 | 1 | C1 | $1195000.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXXXX XXXXX, XXX. | FALSE |  | XX-XXXXXXX |
| 1686289 | XXXXXXX | XXXXXXX |  | XXXXXX, XXX | XXXX XXXXXXX XXXXXX XXXXX | DSCR- Investor NOO | 20251010 | Debt Service Coverage | Yes | No | $X.XX | $3200.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3200 | 0.78 | 0.78 | $4081.90 |  |  |  | No |  |  | YES | $XX.XX | $X,XXX.XX | $307.17 | Stated, Verified | NO | 1 | 1 |  | No | No | Experienced | 123 |  | US Citizen | US Citizen | 678 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXX | XXXXX |  | US Citizen | Stated, Verified | 678 | 678 | 694 | XXXXXX | XXXXX |  | US Citizen | Stated, Verified |  | 810 | 800 | Not Required | Not Required | XXXXXXXX | XXXXXXX | $XXX,XXX.XX | 1 | 2025 | 2545 | 4 | 3 | C1 | $460000.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXXXX XXXXX, XXX. | TRUE | 24 | XX-XXXXXXX |
| 1686433 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXX XXXXXX XXXXXXX XXXXXXXX | XXXX XXXXXXX XXXXXX XXXXX | DSCR- Investor NOO | 20251010 | Debt Service Coverage | Yes | No | $X.XX | $3950.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3950 | 1 | 1 | $3948.98 |  |  |  | Yes | $41000.00 |  | YES | $X,XXX.XX | $XX.XX | $22.58 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 100 | 0.3 | Permanent Resident Alien |  | 750 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXXX | XX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXXXX | XXXXXXX | $XXX,XXX.XX | 1 | 1976 | 444 | 1 | 1 | C3 | $665000.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 1683441 | XXXXXXXXXX | XXXXXXXXXX |  | XXXXXXXXXXX XXXXX XXXXXXXXX | XXXX XXXXXXX XXXXXX XXXXX | DSCR- Foreign National | 20251010 | Debt Service Coverage | Yes | No | $X.XX | $5613.00 | FNMA 1007/216 | FNMA 1007/216 | No | 1007/216 | 5613 |  |  | 5613 | 1.85 | 1.85 | $3035.01 |  |  |  | Yes | $36900.00 |  | YES | $XXX.XX | $XXX.XX | $104.28 | Stated, Verified | NO | 1 | 1 |  | Yes | No | Inexperienced | 2 | 2 | Non Permanent Resident Alien |  |  | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXXXXXXXXXX | XXXXXXXXXXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXXXX | XXXXXXX | $XXX,XXX.XX | 1 | 2025 | 1869 | 3 | 2.1 | C1 | $486990.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 1685738 | XXXXXXXXXX | XXXXXXXXXX |  | XXXXXXXXXXX XXXXX XXXXXXXXX | XXXX XXXXXXX XXXXXX XXXXX | DSCR- Investor NOO | 20251010 | Debt Service Coverage | Yes | No | $X.XX | $6800.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 6800 | 2.53 | 2.53 | $2672.13 |  |  |  | Yes | $40000.00 |  | YES | $XXX.XX | $XXX.XX | $99.00 | Stated, Verified | NO | 1 | 7 |  | No | No | Experienced | 15 | 15 | US Citizen | US Citizen | 801 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | XXXXXXXX | XXXXXXX | $XXX,XXX.XX | 1 | 2024 | 351 | 0 | 1 | C1 | $362000.00 | $0.00 |  |  |  |  |  |  |  | Trust |  | FALSE |  |  |
| 1684353 | XXXXXXXXXX | XXXXXXXXXX |  | XXXXXXXXXXX XXXXX XXXXXXXXX | XXXX XXXXXXX XXXXXX XXXXX | DSCR- Investor NOO | 20251010 | Debt Service Coverage | Yes | No | $X.XX | $6800.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 6800 | 2.19 | 2.19 | $3098.69 |  |  |  | Yes | $40000.00 |  | YES | $XXX.XX | $XXX.XX | $92.00 | Stated, Verified | NO | 1 | 2 |  | No | No | Inexperienced | 8 | 8.2 | Permanent Resident Alien |  | 650 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXXXXXXXXXXXX |  | Permanent Resident Alien | Stated, Verified | 639 | 708 | 650 |  |  |  |  |  |  |  |  | Not Required |  | XXXXXXXX | XXXXXXX | $XXX,XXX.XX | 1 | 2024 | 351 | 0 | 1 | C1 | $412000.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXXXX XXXXX, XXX. | FALSE |  | XX-XXXXXXX |
| 1686358 | XXXXXXXXX | XXXXXXXXX |  | XXXXXXX XXXXXXX XXXXXXX | XXXX XXXXXXX XXXXXX XXXXX | DSCR- Investor NOO | 20251010 | Debt Service Coverage | Yes | Yes | $X,XXX.XX | $2200.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 1950 | 1 | 1 | $1948.73 | 20260228 | 12 |  | Yes | $0.00 | Yes | YES | $XXX.XX | $XXX.XX | $38.50 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 37 | 22 | US Citizen |  | 821 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXXX | XXXXXXX |  | US Citizen | Stated, Verified | 828 | 803 | 821 |  |  |  |  |  |  |  |  | Employed |  | XXXXXXXX |  | $XXX,XXX.XX | 1 | 1969 | 860 | 2 | 1 | C4 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXXXX XXXXX, XXX. | FALSE |  | XX-XXXXXXX |
| 1687145 | XXXXXXXXX | XXXXXXXXX |  | XXXXXXX XXXXXXX XXXXXXX | XXXX XXXXXXX XXXXXX XXXXX | DSCR- Investor NOO | 20251010 | Debt Service Coverage | Yes | No | $X.XX | $1900.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1900 | 1.19 | 1.19 | $1596.04 |  |  |  | Yes | $18000.00 |  | NO | $X.XX | $XXX.XX | $265.64 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 81 | 13 | US Citizen | US Citizen | 698 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXXX | XXXXX | Co-Borrower | Co-Borrower | XXXXXX | XXXXXXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | XXXXXXXX |  | $XXX,XXX.XX | 1 | 1979 | 1337 | 3 | 2 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 1686933 | XXXXXXXXX | XXXXXXXXX |  | XXXXXXX XXXXXXX XXXXXXX | XXXX XXXXXXX XXXXXX XXXXX | DSCR- Investor NOO | 20251010 | Debt Service Coverage | Yes | No | $X.XX | $3750.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3750 | 1.56 | 1.56 | $2411.20 |  |  |  | Yes | $60000.00 |  | NO | $X.XX | $XX.XX | $268.11 | Stated, Verified | NO | 1 | 4 |  | No | No | Experienced | 22 | 1.6 | US Citizen | US Citizen | 803 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXX | Primary | Primary | XXXXXXXX | XXXXXXX | Co-Borrower | Co-Borrower | XXXXXXX | XXXXXXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | XXXXXXXX |  | $XXX,XXX.XX | 1 | 1945 | 963 | 3 | 1.1 | C4 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 1685735 | XXXXXXXXX | XXXXXXXXX |  | XXXXXXX XXXXXXX XXXXXXX | XXXX XXXXXXX XXXXXX XXXXX | DSCR- Investor NOO | 20251010 | Debt Service Coverage | Yes | No | $X.XX | $2100.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 2100 | 1.26 | 1.26 | $1665.23 |  |  |  | Yes | $20000.00 |  | YES | $XXX.XX | $XX.XX | $203.83 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 169 | 5 | US Citizen | US Citizen | 796 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXX | Primary | Primary | XXXXXXX | XXXXXXXXXXXX | Co-Borrower | Co-Borrower | XXXXXX | XXXXXXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Employed | Employed | XXXXXXXX |  | $XXX,XXX.XX | 1 | 1984 | 1047 | 3 | 2 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 1687520 | XXXXXXXXX | XXXXXXXXX |  | XXXXXXX XXXXXXX XXXXXXX | XXXX XXXXXXX XXXXXX XXXXX | DSCR- Investor NOO | 20251010 | Debt Service Coverage | Yes | No | $X.XX | $5000.00 | FNMA 1007/216 | 1025 | No |  | 0 |  |  | 5000 | 1.74 | 1.74 | $2877.55 |  |  |  | Yes | $78200.00 |  | NO | $X.XX | $XXX.XX | $499.08 | Stated, Verified | NO | 1 | 5 |  | No | No | Experienced | 68 | 13 | US Citizen |  | 651 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXXXX |  | $XXX,XXX.XX | 2 | 1920 | 3209 | 10 | 3 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 1685221 | XXXXXXXXX | XXXXXXXXXX |  | XXXX XXXXXXXX XXX | XXXX XXXXXXX XXXXXX XXXXX | DSCR- Investor NOO | 20251010 | Debt Service Coverage | Yes | Yes | $X,XXX.XX | $1500.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1500 | 1.54 | 1.54 | $974.29 | 20260930 | 12 | No | No |  |  | NO | $X.XX | $XX.XX | $157.75 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 85 | 10 | US Citizen |  | 698 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXX | XXXXXXXXX |  | US Citizen | Stated, Verified | 671 | 698 | 735 |  |  |  |  |  |  |  |  | Not Required |  | XXXXXXXX |  | $XXX,XXX.XX | 1 | 2001 | 1178 | 3 | 2 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXXXX XXXXX, XXX. | FALSE |  | XX-XXXXXXX |
| 1686678 | XXXXXXXXX | XXXXXXXXXXXX |  | XXXX XXXXXXXX XXX | XXXX XXXXXXX XXXXXX XXXXX | DSCR- Investor NOO | 20251010 | Debt Service Coverage | Yes | Yes | $X,XXX.XX | $8000.00 |  | Leases | No |  | 0 |  |  | 7100 | 1.58 | 1.58 | $4480.79 | 20251230 | 12 | Yes | Yes | $127400.00 |  | NO | $X.XX | $XXX.XX | $339.44 | Stated, Verified | NO | 1 | 20 |  | No | No | Experienced | 127 | 50 | US Citizen |  | 780 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXXXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXXXX |  | $XXX,XXX.XX | 3 | 1951 | 3670 | 7 | 4 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 1685449 | XXXXXXXXX | XXXXXXXXXXX |  | XXXXXXXX XXXXXXX XXXXXXXXX | XXXX XXXXXXX XXXXXX XXXXX | DSCR- Investor NOO | 20251010 | Debt Service Coverage | Yes | Yes | $X,XXX.XX | $2500.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 2000 | 1.2 | 1.2 | $1665.83 | 20260228 | 12 | No | Yes | $0.00 | Yes | NO | $X.XX | $XXX.XX | $129.25 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 75 | 22 | US Citizen |  | 710 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXX | XXXXXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXXXX |  | $XXX,XXX.XX | 1 | 1935 | 1284 | 3 | 2 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 1687087 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXX XXXXXX XXXXXXX XXXXXXXX | XXXX XXXXXXX XXXXXX XXXXX | DSCR- Investor NOO | 20251010 | Debt Service Coverage | Yes | Yes | $X,XXX.XX | $4650.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 4500 | 0.55 | 0.55 | $8145.37 | 20270131 | 12 |  | Yes | $177600.00 |  | YES | $XXX.XX | $X,XXX.XX | $215.89 | Stated, Not Verified | NO | 1 | 4 |  | No | No | Experienced |  | 26 | US Citizen |  | 723 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXX | Primary | Primary | XXX | XXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXXXX |  | $X,XXX,XXX.XX | 1 | 1980 | 1762 | 2 | 2 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 1685296 | XXXXXXXXXX | XXXXXXXXXX |  | XXXXXXXXXXX XXXXX XXXXXXXXX | XXXX XXXXXXX XXXXXX XXXXX | DSCR- Investor NOO | 20251010 | Debt Service Coverage | Yes | Yes | $X,XXX.XX | $2500.00 |  | 1025 | No |  | 0 |  |  | 2500 | 1.32 | 1.32 | $1893.66 | 20260831 | 12 | No | Yes | $28970.00 |  | NO | $X.XX | $XXX.XX | $208.49 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 103 | 10 | US Citizen | US Citizen | 791 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXXXXXXXXXXXX |  | US Citizen | Stated, Verified | 788 | 792 | 791 | XXXXX | XXXXXXXX |  | US Citizen | Stated, Verified | 654 | 767 | 776 | Not Required | Not Required | XXXXXXXX |  | $XXX,XXX.XX | 2 | 1973 | 1960 | 4 | 2 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Corporation | XXXXXX XXXXX, XXX. | FALSE |  | XX-XXXXXXX |
| 1685866 | XXXXXXXXX | XXXXXXXXXXXXXX |  | XXXXXXXX XXXXXXX | XXXX XXXXXXX XXXXXX XXXXX | DSCR- Investor NOO | 20251010 | Debt Service Coverage | Yes | No | $X.XX | $1600.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1600 | 1.01 | 1.01 | $1586.19 |  |  |  | Yes | $0.00 | Yes | YES | $XXX.XX | $XXX.XX | $109.42 | Stated, Verified | NO | 4 | 4 |  | No | No | Experienced | 7 | 5 | US Citizen |  | 749 | 0 | 0 |  |  | 1 | 0 | 0 | 1 | 0 | 0 |  | XXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXXXX | XXXXX |  | US Citizen | Stated, Verified | 741 | 754 | 749 |  |  |  |  |  |  |  |  | Not Required |  | XXXXXXXX |  | $XXX,XXX.XX | 1 | 2006 | 1503 | 3 | 2.1 | C4 | $175000.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXXXX XXXXX, XXX. | FALSE |  | XX-XXXXXXX |
| 1688119 | XXXXXXXXXXXXX | XXXXXXXXXXXXX |  | XXXXXXX XXXXXX XXXXXXX XXXXXXXX | XXXX XXXXXXX XXXXXX XXXXX | DSCR- Investor NOO | 20251010 | Debt Service Coverage | Yes | Yes | $XX,XXX.XX | $12000.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 12000 | 1.07 | 1.07 | $11217.79 | 20301130 | 60 | No | Yes | $79000.00 |  | NO | $X.XX | $X,XXX.XX | $138.67 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 16 | 3 | Permanent Resident Alien |  | 759 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXX | Primary | Primary | XXXXXXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXXXX |  | $X,XXX,XXX.XX | 1 | 1950 | 2096 | 6 | 2 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 1686296 | XXXXXXXXX | XXXXXXXXXX |  | XXXX XXXX XXXXXXX | XXXX XXXXXXX XXXXXX XXXXX | DSCR- Investor NOO | 20251010 | Debt Service Coverage | Yes | Yes | $X,XXX.XX | $1600.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 1075 | 0.84 | 0.84 | $1277.63 | 20260716 | 20 | No | Yes | $21100.00 |  | YES | $XXX.XX | $XXX.XX | $65.17 | Stated, Verified | NO | 1 | 1 |  | No | No | Experienced | 20 | 7 | US Citizen |  | 755 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXX | XXXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXXXX |  | $XXX,XXX.XX | 1 | 1996 | 1150 | 3 | 2.1 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 1685877 | XXXXX | XXXXX | XXX XXXXXX XXXXXXXXXXX XXX | XXXXX XXXXXXXXX | XXXX XXXXXXX XXXXXX XXXXX | DSCR- ITIN | 20251010 | Debt Service Coverage | Yes | Yes | $X,XXX.XX | $2450.00 |  | Leases | No |  | 0 |  |  | 2450 | 1.98 | 1.98 | $1238.38 | 20261031 | 12 |  | Yes | $29400.00 |  | NO | $X.XX | $XXX.XX | $106.25 | Stated, Verified | NO | 1 | 3 |  | Yes | No | Experienced | 99 | 4 | Non Permanent Resident Alien |  | 672 | 0 | 0 |  |  |  |  |  |  |  |  |  | XXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXX | XXXXXXXXXXXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXXXX |  | $XXX,XXX.XX | 2 | 1900 | 2662 | 6 | 2 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 1687487 | XXXXXXX | XXXXXXX |  | XXXXXX, XXX | XXXX XXXXXXX XXXXXX XXXXX | DSCR- Investor NOO | 20251010 | Debt Service Coverage | Yes | Yes | $X,XXX.XX | $2075.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 1850 | 1.8 | 1.8 | $1030.49 | 20260630 | 12 | No | Yes | $21700.00 |  | NO | $X.XX | $XX.XX | $126.00 | Stated, Verified | NO | 1 | 9 |  | No | No | Experienced | 92 | 1 | Permanent Resident Alien |  | 693 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXX | XXXXXXX |  | Permanent Resident Alien | Stated, Verified | 693 | 694 | 661 |  |  |  |  |  |  |  |  | Not Required |  | XXXXXXXX |  | $XXX,XXX.XX | 1 | 1930 | 1332 | 3 | 1 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXXXX XXXXX, XXX. | FALSE |  | XX-XXXXXXX |
| 1683315 | XXXXXXXXXXX | XXXXXXXXXXX |  | XXXXXXXXXX, XXX. | XXXX XXXXXXX XXXXXX XXXXX | DSCR- Investor NOO | 20251010 | Debt Service Coverage | Yes | Yes | $X,XXX.XX | $2700.00 | FNMA 1007/216 | Leases | No |  | 0 |  |  | 2500 | 1.05 | 1.05 | $2377.34 | 20250201 | 1 |  | Yes | $31500.00 |  | NO | $X.XX | $XXX.XX | $186.25 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 1 | 18 | US Citizen |  | 712 | 0 | 0 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXXXXXXXXXXXXXXX | Primary | Primary | XXXX | XXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXXXX |  | $XXX,XXX.XX | 1 | 1967 | 1205 | 3 | 1 | C4 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  | XX-XXXXXXX |
| 1684823 | XXXXXXXXXXX | XXXXXXXXXXX |  | XXXXXXXXXX, XXX. | XXXX XXXXXXX XXXXXX XXXXX | Bank Statement - 12 months | 20251010 | Bank Statement | Yes | Yes | $X,XXX.XX | $2750.00 | FNMA 1007/216 | Leases | No |  | 0 | 17.608 |  | 0 |  |  | $3952.33 | 20261201 | 12 |  | Yes | $57500.00 |  | NO | $X.XX | $XXX.XX | $353.67 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 21 | 1.1 | US Citizen |  | 711 | 0 | 0 |  |  | 0 | 0 | 0 |  |  |  |  | XXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXX | XXXXX |  | US Citizen | Stated, Verified | 711 | 724 | 688 |  |  |  |  |  |  |  |  | Employed |  | XXXXXXXX |  | $XXX,XXX.XX | 1 | 1890 | 1642 | 4 | 1.1 | C2 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXXXX XXXXX, XXX. | FALSE |  | XX-XXXXXXX |
| 1686954 | XXXXXXXXX | XXXXXXXXXXX |  | XXX XXXXXXXX, XXX. | XXXX XXXXXXX XXXXXX XXXXX | DSCR- Investor NOO |  | Debt Service Coverage | Yes | Yes | $X,XXX.XX | $2150.00 |  | 1025 | No |  | 0 |  |  | 2150 | 1.94 | 1.94 | $1106.69 | 20260831 | 12 | No | Yes | $0.00 | Yes | NO | $X.XX | $XXX.XX | $60.42 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 48 | 9.9 | US Citizen |  | 707 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXXX | XXXXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXXXX |  | $XXX,XXX.XX | 2 | 1891 | 1971.80 | 5 | 2 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 1685501 | XXXXXXXXX | XXXXXXXXXXX |  | XXX XXXXXXXX, XXX. | XXXX XXXXXXX XXXXXX XXXXX | DSCR- Investor NOO | 20251010 | Debt Service Coverage | Yes | Yes | $X,XXX.XX | $4600.00 |  | 1025 | No |  | 0 |  |  | 4600 | 1 | 1 | $4597.10 | 20260430 | 12 | No | Yes | $74400.00 |  | NO | $X.XX | $XXX.XX | $168.85 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 15 | 1 | US Citizen | US Citizen | 783 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXXX | Primary | Primary | XXXXXX | XXXXXXX | Co-Borrower | Co-Borrower | XXXXX | XXXXXXX | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required | Not Required | XXXXXXXX |  | $XXX,XXX.XX | 2 | 2002 | 2954 | 6 | 4 | C4 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 1685143 | XXXXXXXXXX | XXXXXXXXXX |  | XXX XXXXXXXX, XXX. | XXXX XXXXXXX XXXXXX XXXXX | DSCR- Investor NOO | 20251010 | Debt Service Coverage | Yes | Yes | $X,XXX.XX | $5000.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 5000 | 1.76 | 1.76 | $2846.58 | 20260821 | 12 | No | Yes | $55000.00 |  | YES | $XX.XX | $X,XXX.XX | $592.92 | Stated, Verified | NO | 1 | 3 |  | No | No | Experienced | 0 | 10 | US Citizen |  | 786 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXXXXX | XXXXXX |  | US Citizen | Stated, Verified | 786 | 786 | 814 |  |  |  |  |  |  |  |  | Not Required |  | XXXXXXXX |  | $XXX,XXX.XX | 1 | 1993 | 2867 | 5 | 2.1 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Corporation | XXXXXX XXXXX, XXX. | FALSE |  | XX-XXXXXXX |
| 1687451 | XXXXXXXXXX | XXXXXXXXXX |  | XXX XXXXXXXX, XXX. | XXXX XXXXXXX XXXXXX XXXXX | DSCR- Investor NOO | 20251010 | Debt Service Coverage | Yes | Yes | $X,XXX.XX | $3775.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 3775 | 1.33 | 1.33 | $2830.69 | 20230301 | 1 |  | Yes | $58800.00 |  | NO | $X.XX | $XXX.XX | $268.00 | Stated, Verified | NO | 1 | 5 |  | No | No | Experienced | 103 | 4 | US Citizen |  | 681 | 0 | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXX | Primary | Primary | XXXXXX | XXXXXXX | Co-Borrower | Co-Borrower |  |  | Co-Borrower |  |  | Co-Borrower |  |  | No |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  |  |  | 0 | 0 | 0 | Not Required |  | XXXXXXXX |  | $XXX,XXX.XX | 1 | 1930 | 2826 | 7 | 7 | C3 | $0.00 | $0.00 |  |  |  |  |  |  |  | Individual(s) |  | FALSE |  |  |
| 1687553 | XXXXXXXXXX | XXXXXXXXXX |  | XXX XXXXXXXX, XXX. | XXXX XXXXXXX XXXXXX XXXXX | DSCR- Investor NOO | 20251010 | Debt Service Coverage | Yes | Yes | $X,XXX.XX | $1900.00 | FNMA 1007/216 | FNMA 1007/216 | No |  | 0 |  |  | 1900 | 1.11 | 1.11 | $1712.74 | 20261130 | 12 | No | No |  |  | NO | $X.XX | $XXX.XX | $291.17 | Stated, Verified | NO | 1 | 2 |  | No | No | Experienced | 73 | 19 | US Citizen |  | 670 | 0 | 0 |  |  | 1 | 0 | 0 | 0 | 0 | 0 |  | XXXXXXXXXXXXXXXXXXXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Full | XXXX | XXXXXXX |  | US Citizen | Stated, Verified | 690 | 655 | 670 |  |  |  |  |  |  |  |  | Not Required |  | XXXXXXXX |  | $XXX,XXX.XX | 1 | 1995 | 2016 | 3 | 2 | C4 | $0.00 | $0.00 |  |  |  |  |  |  |  | Limited Liability Corp | XXXXXX XXXXX, XXX. | FALSE |  | XX-XXXXXXX |

---

## Exhibit 99.08

[MFA 2026-NQM2 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.08**

Executive Summary

**4. Description of the Due Diligence Services**

**1.** **Type of Assets Reviewed** 

Inglet Blair, LLC ("IB") performed certain due diligence review services (the "Review"), as defined herein. The loans reviewed were originated from June 2019 to October 2019 and were collateralized by residential real estate and multi-family properties purchased by the applicable mortgagors for the purpose of generating rental income (the "Loans"). The Loans were acquired by MFA Financial, Inc. (the "Client") from lenders and/or aggregators (in such capacity, the "Seller"), via bulk acquisition or reliance letter. The information provided below represents the approach and methodology used at the time of original acquisition by the Seller. Each of the Loans was acquired by the Seller from various lenders through a delegated correspondent channel.

**2.** **Sample Size of Assets Reviewed** 

This report reflects 2 Loans selected by the Client to include in MFA 2026-NQM2 (the "Securitization"). Client did not disclose to IB if additional loans are included in the Securitization. While the Client may have included additional loans in the Securitization, such loans were not subject to the Review referenced herein. IB reviewed 100% of the Loans provided by the Client and can only assume the sample size was 100%.

**3.** **Sample Size Determination** 

The Client, in its sole discretion, determined the Loans to be reviewed by IB. As noted in Section 2 above, Client provided IB with 2 Loans, all of which were reviewed by IB. Therefore, IB used no sampling methodology in its Review.

**4.** **Information and Data Integrity** 

IB was provided certain data elements (the "Tape Data"), which were supplied by the Seller. The Seller aggregated the Tape Data from the various lenders. Each lender did not supply Seller with uniform Tape Data; thus, individual Loan Tape Data may not have included all data elements as detailed below in this Section 4. IB subsequently mapped and compared the Tape Data to information contained in each Loan file. When the data was provided, IB compared the following fields:

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Field Name** | &nbsp;&nbsp;**Field Name** |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Total Debt to Income Ratio |
| &nbsp;&nbsp;Amortized Original Term | &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;ARM Initial Adjustment Period | &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;ARM Initial Rate Cap | &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;ARM Lookback Period | &nbsp;&nbsp;Loan Term |
| &nbsp;&nbsp;ARM Margin | &nbsp;&nbsp;Loan Type |
| &nbsp;&nbsp;ARM Maximum Interest Rate | &nbsp;&nbsp;LTV |
| &nbsp;&nbsp;ARM Minimum Interest Rate | &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;ARM Payment Change Frequency | &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;ARM Periodic Rate Cap | &nbsp;&nbsp;Original Interest Rate |
| &nbsp;&nbsp;ARM Periodic Rate Cap at first Adjustment Down | &nbsp;&nbsp;Original Principal and Interest |
| &nbsp;&nbsp;ARM Periodic Rate Cap at first Adjustment Up | &nbsp;&nbsp;Original Principal Balance |
| &nbsp;&nbsp;ARM Rate Cap at first Adjustment Down | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;ARM Rate Cap at first Adjustment Up | &nbsp;&nbsp;Representative Credit Score |
| &nbsp;&nbsp;ARM Rate Change Frequency | &nbsp;&nbsp;Residual Income |
| &nbsp;&nbsp;ATR/QM Designation | &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Subject Address |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Subject City |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;Subject State |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Subject Zip Code |

---

Inglet Blair, LLC Deal Summary

MFA 2026-NQM2

pg. 1

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

**5.** **Underwriting, Origination Practices and Conformity to Guidelines and/or Criteria** 

Each Loan was reviewed to the applicable guideline, matrix and/or finding report, produced by an Automated Underwriting System ("AUS"), as provided to IB. Depending on the applicable guideline requirements, IB verified, recalculated and compared certain metrics and attributes:

- Debt to Income ("DTI")

- Debt Service Coverage Ratio ("DSCR")

- Loan to Value ("LTV") / Combined Loan to Value ("CLTV")

- Lien Position

- Gross Income

- Qualifying Principal, Interest, Taxes and Insurance ("PITI") payment

- Assets and Reserves

- Monthly debt service

- Residual Income

- Occupancy

- Property Type

To the extent prescribed by the applicable guidelines, every Loan received an evaluation of the applicable borrower's employment, income, assets and credit history as follows:

Employment and Income:

- Meets the guidelines and, as applicable, regulatory documentation requirements

- Creditor income calculations are reasonable and as prescribed by the applicable guidelines

- Ensure borrower(s) is/are currently employed

Assets

- Confirm asset source and documentation requirements

- Re-calculate gross, net and liquid asset balances

- Incorporate gift funds and sourcing documentation

- Confirm and calculate reserve calculations

Credit Report

- Determine representative Credit Score and Methodology

- Number of tradelines

Maximum amount of open tradelines

- Mortgage/Rental payment history

- Installment and Revolving payment history

- Bankruptcy and Foreclosure seasoning

- OFAC Alert(s)

Inglet Blair, LLC Deal Summary

MFA 2026-NQM2

pg. 2

Credit Application (FNMA Form 1003)

- Substantially complete

- Employer and employment status

- Confirmation of loan purpose and occupancy

- Disposition and status of Real Estate Owned (REO)

- First time home buyer status

- Citizenship and eligibility

Title Review - For each Loan the title commitment or, if present, final title policy was reviewed to confirm:

- Vestee(s)

- Title interest – Fee Simple or Leasehold

- Tax liens, encumbrances, encroachments and/or other title defects were satisfied or addressed

Fraud Report – IB reviewed each Loan file for the presence of a fraud report with all material findings addressed surrounding borrower name variances, social security number discrepancies, subject-property occupancy or employment history.

Hazard and Flood Insurance – Each Loan was reviewed to ensure that (i) each hazard policy limit met the applicable guideline requirement (ii) the property address was correct (iii) the premium was accurately reflected in the DTI calculation and (iv) escrowed where required.

Similarly, where the flood certificate indicates the property improvements were located in a flood zone, IB confirmed the coverage met the guideline requirements and, where applicable, the premium escrowed.

Closing/Legal Documents – All Loans received a review of the closing documentation. This includes the note, mortgage (and applicable riders), assignments, mortgage insurance certificates, underwriter approvals, and HUD-1 or Closing Disclosure, as applicable, are executed by all applicable parties and generally convey the terms of the Loan.

The information and findings provided herein were based on the information provided in the loan file images presented at the time of review.

**6.** **Collateral Review and Methodology** 

To establish reasonable support for the original appraised value, each qualifying appraisal was accompanied by one of the following: (i) an existing desk review report provided by the originator (or issuer), (ii) a second full appraisal (typically required by the guidelines) or (iii) a FNMA Collateral Underwriter ("CU") analysis with a score of 2.5 or less. In the event a loan did not contain any of the supplemental documentation, IB ordered an AVM, desk review or field review to fulfill the requirement. If any of the supplemental material(s) had an estimate of value that was lower than the original appraised value by 10% (or more), a field review (or suitable alternative) was obtained.

Each Loan was analyzed to confirm it was sufficiently collateralized by real property, and each appraisal was audited to address the following FIRREA/USPAP rules and standards:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Was
 the appraisal prepared for a financial services institution?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Does
 the appraisal state the definition of Market Value?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Does
 the appraisal indicate the appraiser's license or certification, number and expiration
 date?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Does
 the appraisal disclose any extraordinary assumptions, hypothetical conditions? Does the
 appraisal include a statement of assumptions and limiting conditions?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If
 yes, do the items appear to be reasonable?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Is
 a minimum 3-year subject sale history included?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Does
 the report state the effective date of the appraisal?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g. Does
 the appraisal summarize the process used to collect, confirm, and report data?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h. Does
 the appraisal state the subject's highest and best use?

Inglet Blair, LLC Deal Summary

MFA 2026-NQM2

pg. 3

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Does
 the appraisal clearly identify the real estate being appraised?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j. Does
 the appraisal state the real property interest being appraised?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;k. Does
 the report contain sufficient information?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;l. Was
 the appraisal reported on a FNMA appraisal form?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. If
 yes, was the form materially complete?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;m. Which
 of the industry recognized methods of valuation were included that may have been
 utilized to support the institution's decision to engage in the transaction?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Direct
 Sales Comparison Approach, Cost Approach, or Income Approach?

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. If
 any of these approaches have been omitted or excluded, is there sufficient explanation
 provided as to why?

**7.** **Regulatory Compliance Review to Federal, State and Local Lending Laws** 

All Loans deemed to be consumer purpose loans were submitted to an automated regulatory compliance review the "TRID Review". The system tested each applicable Loan for adherence to certain federal, state and local consumer protection laws related to mortgage lending.

All applicable tests and disclosure reviews were graded in accordance with the SFA RMBS 4.0 TRID Compliance Review Scope standard as described below.

- Federal Truth in Lending Act– Regulation Z

○ Consumer Handbook on Adjustable Rate Mortgages (1026.19(b)(1))

● Confirm acknowledgement of receipt by the borrower or documentary evidence disclosure was delivered to the borrower(s)

○ Your Home Loan Toolkit (1026.19(g)(1))

● Confirm acknowledgement of receipt by the borrower or documentary evidence disclosure was delivered to the borrower(s)

● Provided within 3 business days of application

○ Federal High-cost (1026.32)

● Identify points and fees and/or APR threshold test failures

● Prepayment Penalty restrictions

○ Higher-priced Mortgage Loans (1026.35)

● APR Threshold with the corresponding appraisal and escrow requirements

○ Right of Rescission (1026.23)

● Review accuracy, timing and content of disclosure(s)

● Confirm all requisite consumers received notice and correct form

○ Qualified Mortgage Rule (1026.43(e))

● Perform points and fees test to confirm 3% threshold

● Adherence to Appendix Q and DTI below 43% or Temp QM

● Application Dates of 1/10/2014 to 2/28/2021

● Adherence to Appendix Q and DTI below 43% and/or Temp QM and/or APR/APOR threshold testing

● Application Dates of 3/1/2021 to 6/30/2021

● Adherence to Appendix Q and DTI below 43% and/or APR/APOR threshold testing

● Application Dates of 7/1/2021 to 9/30/2022

● APR/APOR threshold testing

● Application Dates on or after 10/1/2022\*

○ Subject to any guidance updates from regulators

● Loan does not contain "risky feature" (IO, Negative Amortization, etc.)

● Contain a valid and approved AUS, as applicable

Inglet Blair, LLC Deal Summary

MFA 2026-NQM2

pg. 4

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

● Ability-to-Repay ("ATR") (1026.43(c)(2) – IB reviewed each Loan for the applicable mortgagor's ability to repay; however, there is no representation or warranty, implied or otherwise, that a court (or other administrative/legislative authority) will agree with the determination. IB objectively confirmed the following eight (8)-factors had been considered and, where applicable, documented:

● (i) The consumer's current or reasonably expected income or assets, other than the value of the dwelling, including any real property attached to the dwelling, that secures the loan;

● (ii) If the creditor relies on income from the consumer's employment in determining repayment ability, the consumer's current employment status;

● (iii) The consumer's monthly payment on the covered transaction, calculated in accordance with paragraph (c)(5) of this section;

● (iv) The consumer's monthly payment on any simultaneous loan that the creditor knows or has reason to know will be made, calculated in accordance with paragraph (c)(6) of this section;

● (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 in accordance with paragraph (c)(7) of this section; and

● (viii) The consumer's credit history.

○ TRID (1026.36, 37)

○ Loan Estimate ("LE")

● Initial LE was provided within three (3) business days of application as provided by the broker or creditor and loan does not consummate within seven (7) business days of receipt

● Provided within three (3) business days of a valid Change of Circumstance

● Complete in all material respects

● Contains NMLS ID

● Confirm the "In 5 Years" calculation is not over disclosed

○ Final Closing Disclosure ("CD")

● Confirm creditor provided CD no later than three (3) business days of consummation and confirm all relevant fields are complete

● Ensure technical requirements are met – Rounding, Alphabetization, Number of Fees per category and title fees properly labeled

● Recalculation of the Finance Charge, Amount Financed, Total of Payments ("TOP"), and Total Interest Payments ("TIP")

● Projected Payments - Re-calculation of Principal and Interest payment(s), verified escrow and insurance payments, interest only periods and final balloon payments are present and displayed in the correct number of columns

● Adjustable Interest Rate and Adjustable Payment Tables are present, complete and accurate, if applicable

● No fee charged for preparation of LE or CD

● Fee descriptions conform with clear and conspicuous standard

● Loan terms match that of the subject loan – balance, rate, term, prepayment penalty

● Loan Disclosures section is complete – Late Payment matches the note and the escrow section is consistent within the disclosure

○ Fee and Tolerance Testing - Zero and ten percent (10.0%) tolerance testing, including the presence, timing and a validation of a change of circumstance and corresponding fee changes

○ Evidence Service Provider List and Your Home Loan Toolkit, if applicable, were provided or present in the loan file

○ LE and CD form(s) provided to the borrower are consistent across the loan process

○ NMLS ID is present on the loan application, note, security instrument, LE and CD, as applicable

○ Items not tested, include but are not limited to:

● Categorization of fees in the appropriate section

Inglet Blair, LLC Deal Summary

MFA 2026-NQM2

pg. 5

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

● Accuracy of information for fields not expressly stated above

● Presence and accuracy of the Seller's Transaction columns on the Seller's columns

○ State High-cost and Predatory lending regulations

○ RESPA disclosures

● Confirm GFE and HUD-1

● Special Information Booklet

● Notice of Servicing Transfer

● Affiliated Business Arrangement Disclosure

● Homeownership Counseling Disclosures

○ Equal Credit Opportunity Act

● Presence, acknowledgement and timing of the Right to Receive Copy of Appraisal Disclosure

Structured Finance Association ("SFA") organized and led an initiative to establish a framework for Third-Party Reviewer's ("TPR") to evaluate and grade loans subject to the Know Before You Owe Act, also commonly referred to as TILA-RESPA Integrated Disclosure ("TRID. While all grades and conclusions are established in good faith, the grading scheme materiality and impact for certain exceptions may change from time to time, and thus, all reports contain Interpretation Risk. Under no circumstance should the Client, any potential investors or other individual party solely rely on the interpretations made by IB, SFA, or its outside counsel.

Please be advised that IB is not a law firm, does not employ personnel who are licensed to practice law and the exceptions, observations and conclusions provided by IB are not legal opinions. IB relies upon the advice of outside counsel, informal advice of regulators and industry practice to determine materiality.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**TRID Tested** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;Yes | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100%** |

---

**8.** **Any Other Type of Review** 

There was no other review performed.

Inglet Blair, LLC Deal Summary

MFA 2026-NQM2

pg. 6

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

**5. Summary of Finding and Conclusions of Review**

The following tables represent the final NRSRO overall and component grades. The Overall grade is comprised of the lowest of the component grades.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Final Grade** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100%** |
| &nbsp;&nbsp;**NRSRO Final Credit Grade** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100%** |
| &nbsp;&nbsp;**NRSRO Final Compliance Grade** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100%** |
| &nbsp;&nbsp;**NRSRO Final Property Grade** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100%** |

---

The following tables represent certain key attributes of the Loans and their frequency amongst the loan population.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;Adjustable Rate Mortgage | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;1st | &nbsp;&nbsp;2 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100%** |
| &nbsp;&nbsp;**Purpose** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;Cash Out: Debt Consolidation—<br>Proceeds used to pay off existing loans <br> other than loans secured by real<br>estate.  | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;First Time Home Purchase, as defined<br>by American Recovery and <br> Reinvestment Act of 2009 (Purchaser<br>has not owned a principal residence in <br> the past three years.)<br>| &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100%** |

---

Inglet Blair, LLC Deal Summary

MFA 2026-NQM2

pg. 7

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;Single Family Detached (non-PUD) | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;Condo, Low Rise (4 or fewer stories) | &nbsp;&nbsp;1 | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100%** |
| &nbsp;&nbsp;**LTV** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;**00.01- 10.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**10.01- 20.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**20.01- 30.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**30.01- 40.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**40.01- 50.00** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;**50.01- 60.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**60.01- 70.00** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;**70.01- 80.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**80.01- 90.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**90.01- 100.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100%** |
| &nbsp;&nbsp;**CLTV** | &nbsp;&nbsp;**No. of Loans** | &nbsp;&nbsp;**% of Population** |
| &nbsp;&nbsp;**00.01- 10.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**10.01- 20.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**20.01- 30.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**30.01- 40.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**40.01- 50.00** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;**50.01- 60.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**60.01- 70.00** | &nbsp;&nbsp;**1** | &nbsp;&nbsp;50.00% |
| &nbsp;&nbsp;**70.01- 80.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**80.01- 90.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**90.01- 100.00** | &nbsp;&nbsp;**0** | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2** | &nbsp;&nbsp;**100%** |

---

Inglet Blair, LLC Deal Summary

MFA 2026-NQM2

pg. 8

## Exhibit 99.08

[MFA 2026-NQM2 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.08 - Schedule 1**

---

| | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID (Purchasing Lender)** | **Loan Number (Selling Lender)** | **Loan Status** | **Final Overall Event Level** | **Final Credit Event Level** | **Final Compliance Event Level** | **Final Property Event Level** | **Credit Exceptions** | **Compliance Exceptions** | **Property Exceptions** | **Compensating Factors** | **Immaterial/Waived** | **Lender Commentary** | **Cleared Exceptions** | **Exceptions** |
| 40047 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Established credit history - 30 years depth of credit with mid score of 799; |  |  |  |  |
| 43516 | XXXX | Approved | 1 | 1 | 1 | 1 |  |  |  | Established credit history - 18 years depth of credit with mid score of 516; |  |  |  |  |

---

## Exhibit 99.08

[MFA 2026-NQM2 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.08 - Schedule 2**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan ID (Purchasing Lender)** | **Loan Number (Selling Lender)** | **Final Overall Event Level** | **Lien Position** | **Loan Purpose** | **QM Designation Type** |
| 40047 | XXXX | 1 A CA | 1 | Purchase | Non-QM / Compliant |
| 43516 | XXXX | 1 A CA | 1 | Cash Out Refinance | Non-QM / Compliant |

---

## Exhibit 99.08

[MFA 2026-NQM2 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.08 - Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID (Purchasing Lender)** | **Loan Number (Selling Lender)** | **Final Overall Event Level** | **S&P QM/ATR Designation** | **Fitch QM/ATR Designation** | **Moody's QM/ATR Designation** | **Kroll QM/ATR Designation** | **DBRS QM/ATR Designation** | **Amortization Type** | **Initial Application Date** | **Originator DTI (ASF)** | **DTI** | **Points/Fees Total** | **Points/Fees Total without reductions resulting from 'bona fide discount points'** | **Rate Lock Date** | **Residual Income** | **GSE Eligible** | **Case ID / LP AUS Key** | **APR** | **Borrower Employment Status** | **Co-Borrower Employment Status** | **Borrower 3 Employment Status** | **Borrower 4 Employment Status** | **Borrower Residency Status** | **Co-Borrower Residency Status** | **Borrower 3 Residency Status** | **Borrower 4 Residency Status** | **Qualifying Interest Rate** | **APOR (if applicable)** |
| 40047 | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | 5/1 or 5/6 mos. ARM | XXXX | 42.7200 | 41.52% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 5.506% | XXXX |  |  |  | XXXX |  |  |  | 5.2490% | 0.0466 |
| 43516 | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | 7/1 or 7/6 mos. ARM | XXXX | 45.8600 | 46.72% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 7.253% | XXXX |  |  |  | XXXX |  |  |  | 7.0000% | 0.04 |

---

## Exhibit 99.08

[MFA 2026-NQM2 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.08 - Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| 0 | 1 | 2 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | 21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | 30 | 31 | 32 | 33 | 34 | 35 | 36 | 37 | 38 | 39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | 51 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | 62 | 63 | 64 | 65 | 66 | 67 | 68 | 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 |
| **Loan ID (Purchasing Lender)** | **Loan Number (Selling Lender)** | **Final Overall Event Level** | **S&P QM/ATR Designation** | **Fitch QM/ATR Designation** | **Moody's QM/ATR Designation** | **Kroll QM/ATR Designation** | **DBRS QM/ATR Designation** | **Amortization Type** | **Initial Application Date** | **Originator DTI (ASF)** | **DTI** | **Points/Fees Total** | **Points/Fees Total without reductions resulting from 'bona fide discount points'** | **Rate Lock Date** | **Residual Income** | **GSE Eligible** | **Case ID / LP AUS Key** | **APR** | **Borrower Employment Status** | **Co-Borrower Employment Status** | **Borrower 3 Employment Status** | **Borrower 4 Employment Status** | **Borrower Residency Status** | **Co-Borrower Residency Status** | **Borrower 3 Residency Status** | **Borrower 4 Residency Status** | **Qualifying Interest Rate** | **APOR (if applicable)** | **Borrower 3 Employment Verification** | **Borrower 4 Employment Verification** | **Occupancy** | **Most Recent Pay History** | **Credit-based Modification Flag** | **Type of Modification** | **Modification Term** | **Servicing Transfer Date** | **Third Borrower Original FICO: Equifax** | **Third Borrower Original FICO: Experian** | **Third Borrower Original FICO: TransUnion** | **Third Borrower Original FICO Score** | **Third Borrower Original Score Date** | **Most Recent Fico Score _Updated_Current_Borrower 3** | **Most Recent Fico Score Date Current_Updated_Borrower 3** | **Fourth Borrower Original FICO: Equifax** | **Fourth Borrower Original FICO: Experian** | **Fourth Borrower Original FICO: TransUnion** | **Fourth Borrower Original Score** | **Fourth Borrower Original Score Date** | **Most Recent Fico Score _Updated Current_Borrower 4** | **Most Recent Fico Score Date_Updated_Current_Borrower 4** | **Primary Borrower Updated_Current FICO: Equifax** | **Primary Borrower Updated_Current FICO: Experian** | **Primary Borrower Updated_Current FICO: TransUnion** | **Most Recent FICO Score_Updated_Current_Primary Borrower** | **Most Recent FICO Score Date_Updated_Current_Primary Borrower** | **Secondary Borrower Updated_Current FICO: Equifax** | **Secondary Borrower Updated_Current FICO: Experian** | **Secondary Borrower Updated_Current FICO: TransUnion** | **Most Recent FICO Score_Updated_Current_Secondary Borrower** | **Most Recent FICO Score Date_Updated_Current_Secondary Borrower** | **FN Alternative Credit Documentation** | **UW Guideline Author** | **UW Guideline Name** | **UW Guideline Program** | **Correspondent Name** | **Qualifying Credit Score** | **Qualifying Home Value for LTV** | **HOA Flag** | **HOA Monthly Premium Amount** | **Income Doc Source (m) - Bank Statements/Personal** | **Income Doc Source (m) - Bank Statements/Business** | **Income Doc Source (m) - W2** | **Income Doc Source (m) - Tax Returns** | **Income Doc Source (m) - Asset Depletion** | **Income Doc Source (m) - P&L** | **Income Doc Source (m) - Other** | **Asset Verification (d)** | **Borrower 2 Asset Verification (d)** | **Borrower 3 Asset Verification (d)** | **Borrower 4 Asset Verification (d)** | **Borrower 1 Doc Type** | **Borrower 2 Doc Type** | **Borrower 3 Doc Type** | **Borrower 4 Doc Type** | **DSCR Qualification Flag** | **DSCR DTI** | **Actual In-Place Rent (Yr)** | **Third Party Market Rent (Yr)** | **Rent Loss Insurance (m)** | **Recourse** | **Executed NOO Docs In File** | **# Units** | **Lease In Place Flag** | **Short Term Rental Income Flag** | **Borrower Type** | **# Mtg Prop (With Lender)** | **# of Properties** | **Year Built** | **Total Sq Ft** | **Property Condition** | **# Beds** | **# Baths** | **Section 8** | **Acquisition Cost** | **Renovation Cost** | **UW Gross Potential Rent** | **UW Economic Vacancy** | **UW Effective Gross Income** | **UW RE Taxes** | **UW Ins Costs** | **UW Prop Mgmt Fee** | **UW Turnover Costs** | **UW Repairs and Maintenance** | **UW Marketing and Leasing Costs** | **UW Utilities** | **UW Other Costs** | **UW HOA Fees** | **UW Cap Ex Reserve** | **Lease End Date** | **Borrower 1 Name** | **Borrower 2 Name** | **Borrower 3 Name** | **Borrower 4 Name** | **Guarantor 1 Name** | **Guarantor 1 Equifax Score** | **Guarantor 1 Experian Score** | **Guarantor 1 Transunion Score** | **Guarantor 1 Most Recent Tri-Merge Score** | **Guarantor 1 Most Recent Tri-Merge Score Date** | **Guarantor 1 Total Income** | **Guarantor 1 Total Debt** | **Guarantor 2 Name** | **Guarantor 2 Equifax Score** | **Guarantor 2 Experian Score** | **Guarantor 2 Transunion Score** | **Guarantor 2 Most Recent Tri-Merge Score** | **Guarantor 2 Most Recent Tri-Merge Score Date** | **Guarantor 2 Total Income** | **Guarantor 2 Total Debt** | **ACH Payments** | **Tape Cut-Off Date** | **Annual Property Tax** | **Annual Insurance Costs** | **Months Foreclosure** | **ForeClosure Resolution Date** | **Months Bankruptcy (7, 11)** | **Months Bankruptcy (13)** | **Bankruptcy Resolution Date** | **Months Deed-in-Lieu** | **Deed-in-Lieu Resolution Date** | **Months Short Sale (or Pre-FC)** | **Short Sale Resolution Date** | **Months Modification** | **Modification Date** | **Prior Mtg/Rent Late (30d in 12m)** | **Prior Mtg/Rent Late (60d in 12m)** | **Prior Mtg/Rent Late (90d in 12m)** | **Life Event LOE** | **Life Event Documented** | **Prior Occupancy Type** | **Number of Prior Credit Events** | **Regulatory Loan Purpose** | **QM - Agency UW Test** | **Non-QM Reason - Product Type** | **Non-QM Reason - DTI Test (> 43 App Q)** | **QM/ATR Exempt Reason** | **TRID Applicable** | **Full SFIG TRID 4.0 Scope Reviewed** | **Collateral Underwriter ("CU") risk score** | **Leasehold Flag** | **U/W Doc Type** | **Originating Lender** | **Verifiable Income Months (Borrower)** | **Verifiable Income Months (Co-Borrower)** | **Verifiable Income Months (Borrower 3)** | **Verifiable Income Months (Borrower 4)** | **Bank Statements Flag** | **Number of Statements** | **Actual # Evaluated** | **Type of Statements** | **Percent of Income From Statements** | **Business Ownership Percentage** | **Expense Ratio** | **Source of Expense Ratio** | **Evidence of associated business account** | **Industry / Occupation** | **Shared Appreciation Option Agreement?** | **Shared Appreciation Option Agreement Provider** | **MERS Loan ID** | **Borrower SSN** | **Co-Borrower SSN** | **Borrower 3 SSN** | **Borrower 4 SSN** | **Monthly Hazard Insurance** | **Monthly Taxes** | **Entity Name** | **EIN (Employer Identification Number)** | **Qualifying P&I** | **Original P&I** | **PITIA** | **Monthly Flood** | **Monthly MI** | **Monthly HOA** | **Monthly Maint/Other** | **Cash Out Used for Reserves** | **Months Reserves** | **Crypto Used to Qualify** |
| 40047 | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | 5/1 or 5/6 mos. ARM | XXXX | 42.7200 | 41.52% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 5.506% | XXXX |  |  |  | XXXX |  |  |  | 5.2490% | 0.0466 |  |  | Owner Occupied |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXXX A |  | 799 | XXXX | 1 | XXXX |  |  |  |  |  |  |  | 61 |  |  |  |  |  |  |  | No |  |  |  |  |  | No | 1 |  |  | Individual Name(s) |  | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 0 | Consumer |  | Y | N |  | Yes | Yes |  | No | Bank Statement - Personal | XXXX | 1 |  |  |  | Yes | 1 |  | Personal | 1.00 |  |  |  |  |  | No |  |  | XXXX |  |  |  | XXXX | XXXX |  |  | 2645.31 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | No |
| 43516 | XXXX | 1 A | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | Non-QM / Compliant | 7/1 or 7/6 mos. ARM | XXXX | 45.8600 | 46.72% | XXXX | XXXX | XXXX | XXXX | XXXX |  | 7.253% | XXXX |  |  |  | XXXX |  |  |  | 7.0000% | 0.04 |  |  | Owner Occupied |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  | XXXX C |  | 518 | XXXX | 0 | XXXX |  |  | 33 |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  | No | 1 |  |  | Individual Name(s) |  | 1 | XXXX | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  | XXXX | XXXX |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | 045 | XXXX |  | 052 | XXXX |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | 2 | Consumer |  | Y | Y |  | Yes | Yes |  | No | Full | XXXX | 33 |  |  |  | No |  |  |  |  |  |  |  |  |  | No |  |  | XXXX |  |  |  | XXXX | XXXX |  |  | 1513.56 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No |

---

## Exhibit 99.08

[MFA 2026-NQM2 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.08 - Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Customer Loan ID** | **Seller Loan ID** | **TILA Status** | **Application Date** | **TRID** | **GSE** | **HOEPA Fees** | **TILA Fees** | **Rate Lock Date** | **Calculated APR** | **Qualifying Rate** | **Borrower Employment Indicator** | **Borrower Employer** | **Borrower Employment Description** | **Co Borrower Employment Indicator** | **Co-Borrower Employer** | **Co-Borrower Employment Description** | **Borrower Foreign National Indicator** | **Co Borrower Foreign National Indicator** | **Borrower 3 Foreign National Indicator** | **Borrower 4 Foreign National Indicator** | **Did Borrower Qualify on an ITIN Program?** | **Did Co Borrower Qualify on an ITIN Program?** | **Did Borrower 3 Qualify on an ITIN Program?** | **Did Borrower 4 Qualify on an ITIN Program?** | **Residual Income** | **HOA Name** | **HOA Address State** | **Fee Amount** | **Next Due Date** | **HOA Payment Frequency** | **Investor DTI** | **QM DTI** | **Non QM DTI** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Income Doc Detail** | **Tax Return Doc Details** | **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 12m)** | **Prior Mortgage/Rent Late (60d in 12m)** | **Prior Mortgage/Rent Late (90d in 12m)** | **Guideline Name** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Non-Warrantable Condominium?** | **Benchmark Rate** | **HUD 1 Page 1 Credits Total** | **Collateral Underwriter Risk Score** | **Loan Collateral Advisor Risk Score** | **Rating Result** | **Eligible For Rep and Warrant Relief Per Collateral Advisor** | **Market Trend** | **Subject Property Address** | **Subject Property City** | **Subject Property State** | **Subject Property Zip** | **Appraisal Company** | **Appraiser Name** | **Appraiser License Number** |
| 40047 | XXXX | Non-QM / Compliant | XXXX | Yes | XXXX |  |  | XXXX | 5.506% | 5.2490% | XXXX | XXXX | XXXX |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | Month |  |  | 41.52% | No | Yes | 1 | Personal | 1.00 | Borrower 1 - Bank Statements - 2019 | Borrower 1 - CPA Letter - 2019 |  |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | XXXX |  | XXXX |  | No | 0.0466 | XXXX |  |  |  |  | Stable | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |
| 43516 | XXXX | Non-QM / Compliant | XXXX | Yes | XXXX |  |  | XXXX | 7.253% | 7.0000% | XXXX | XXXX | XXXX |  |  |  | US Citizen |  |  |  |  |  |  |  | XXXX |  |  | XXXX |  |  |  |  | 46.72% | No | No |  |  |  | Borrower 1 - Written VOE - 2019<br> Borrower 1 - Written VOE - 2018<br> Borrower 1 - Paystub - 2019<br> Borrower 1 - W2 - 2018<br> Borrower 1 - W2 - 2017 |  | 13 | XXXX | XXXX | 1 |  | 052 |  | 0 |  |  | 0 |  | XXXX | 1 | 45 | 0 | 0 | 0 | XXXX |  | XXXX |  |  | 0.04 | XXXX |  |  |  |  | Stable | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |

---

## Exhibit 99.08

[MFA 2026-NQM2 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.08 - Schedule 6**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Loan Number (Selling Lender)** | **Loan Number (Purchasing Lender)** | **Data Field** | **Tape Data** | **IB Review Value** | **Discrepancy Comments** |
| XXXX | 40047 | ARM Index |  | 1 Year US Treasury Constant Maturity (weekly) | Tape Index 1 Year US Tres Constatnt Maturity Per Note Index is 1 Year US Treasury Constant Maturity (weekly) |
| XXXX | 43516 | Total Debt to Income Ratio | 45.90% | 46.72% | Approved DTI 45.86%. tape value due to rounding. Review DTI 46.72% due to monthly income calculation difference. Variance less than 2% considered non material |
| XXXX | 43516 | ARM Index |  | 1 Year US Treasury Constant Maturity (weekly) | Tape Index 1 Year US Tres Constant Maturity Per note Index is 1 Year US Treasury Constant Maturity (weekly) |

---

## Exhibit 99.08

[MFA 2026-NQM2 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.08 - Schedule 7**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
|  |  |  |  |  |  |  |  | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** | **Post-Closing Values** |  |  |  |
| **Seller Loan ID** | **Purchaser Loan ID** | **Origination Date** | **Original Loan Amount** | **Value used for LTV calculation** | **Sales Price** | **Appraisal Waiver Form** | **Property Inspection Waiver** | **Appraisal Value(s)** | **Appraisal Value(s)** | **Appraisal Value(s)** | **Appraisal Value(s)** | **Appraisal Value(s)** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **BPO Values** | **BPO Values** | **BPO Values** | **BPO Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **2055 Values** | **Collateral Underwriter Risk Score** | **Loan Collateral Advisor Risk Score** | **Valuation Comments** |
| **Seller Loan ID** | **Purchaser Loan ID** | **Origination Date** | **Original Loan Amount** | **Value used for LTV calculation** | **Sales Price** | **Appraisal Waiver Form** | **Property Inspection Waiver** | **Appraised Value** | **Appraisal Date** | **Second Appraisal Value** | **Second Appraisal Type** | **Second Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Appraisal Date** | **Confidence Score of AVM** | **AVM Product Name** | **Value** | **Variance Amount** | **Variance(%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Appraisal Date** | **Confidence Score of AVM** | **Value** | **Variance Amount** | **Variance(%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance(%)** | **Company** | **Appraisal Date** | **Collateral Underwriter Risk Score** | **Loan Collateral Advisor Risk Score** | **Valuation Comments** |
| XXXX | 40047 | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -5.04% | XXXX | 94.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Origination AVM 05/20/19 $649,064 Variance -5.18%<br>Post Close AVM 06/18/19 $650,000 Variance -5.04%<br>Subject has a shared water heater per the appraiser. HOA is in control by the builder who owns more than 10% of the units.<br>An additional sale outside of complex was provided along with a current listing in the same building and inferior flood location.<br>PG 515 Certificate of Occupancy from County with final inspection 4/18/2019<br>Pg 787 442 with photos dated 5/24/2019 |
| XXXX | 43516 | XXXX | XXXX | XXXX | XXXX | No | No | XXXX | XXXX |  |  |  |  |  |  |  | XXXX | XXXX | 105.89% | XXXX | 0.0 | Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -28.54% | XXXX | 63.0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Origination AVM 09/18/19 $988,260 Variance 105.89%<br> Post Close AVM 10/31/19 $343,000 Variance -28.54% Confidence Score 63<br> ; Subject is legal non conforming with the current use allowed. Subject located in suburban area of XXX which is unincorporated with county service. Subject has well and septic. Site is surrounded by fruit orchards. Kitchen and bath updated 6 to 10 years ago. Utilities were on at inspection.<br> Appraiser notes property can be rebuilt if destroyed more than 50% (Item $4 on pg11)<br> Smoke and CO2 detectors located in home. Water heater double strapped.<br> Sitex reflects Rural/Agriculture. Zillow states Miscellaneous. Google map appear to be rural. Appraisal reflects Suburban. Zoned AG-40 / 1 sfr - agricultural uses; min lot size 2 acre<br> (Priced as rural) |

---

## Exhibit 99.09

[MFA 2026-NQM2 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.09**

![](ex9909001.jpg)

**UNITED STATES SECURITIES AND EXCHANGE COMMISSION** 

**Washington, D.C. 20549**

**FORM ABS DUE DILIGENCE-15E**

**CERTIFICATION OF PROVIDER OF THIRD-PARTY DUE DILIGENCE SERVICES FOR ASSET-BACKED SECURITIES**

**ITEM 1: IDENTITY OF THE PERSON PROVIDING THIRD PARTY DUE DILIGENCE SERVICES** 

Legal Name: **<u>Infinity International Processing Services. Inc. DBA Infinity IPS</u>**

Business Name (if Different):

Principal Business Address: **<u>15310 Amberly Drive, Suite 250 Tampa Florida 33647</u>**

**ITEM 2: IDENTITY OF THE PERSON WHO PAID THE PERSON TO PROVIDE DUE DILIGENCE SERVICES** 

Legal Name: **<u>MFA Financial, Inc.</u>**

Business Name (If Different):

Principal Business Address: **<u>One Vanderbilt Ave, 48th Floor, New York, NY 10017</u>**

**ITEM 3: CREDIT RATING CRITERIA** 

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;Fitch Ratings, Inc. | &nbsp;&nbsp;U.S. RMBS Rating Criteria, October 2, 2025 |

---

**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 on and as of the date hereof.

Name of the Person Identified in Item 1: **<u>Infinity International Processing Services, Inc. DBA Infinity IPS</u>**

By: **<u>Chandresh Mehta, Chief Executive Officer</u>**

Signature: _________________________

Date: ____________________________

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![](ex9909001.jpg)

**ITEM 4: 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 MFA Financial, Inc. ("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 one hundred and thirty-one (131) mortgage loans that were originally reviewed from March 2022 to April 2026.

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

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

▪ "Compliance Review" 77<sup>1</sup> Mortgage Loans

▪ "Credit Review" 131 Mortgage Loans

▪ "Property Review" 131 Mortgage Loans

▪ "Data Integrity" 131 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 one hundred and thirty-one (131) 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:

---

| | | | |
|:---|:---|:---|:---|
| &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;Look back 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 |  |

---

<sup>1</sup> One (1) exempt loan was not subject to a compliance review and did not receive a compliance grade. Fifty-Three (53) 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.

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

![](ex9909001.jpg)

**(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 one hundred and thirty-one (131) 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 10 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 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.

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![](ex9909001.jpg)

**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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![](ex9909001.jpg)

**Business Purpose/DSCR Scope:** Infinity conducted a business purpose/property focused Investor review for twenty-five (25) 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 one hundred and thirty-one (131) mortgage loans. For these one hundred and thirty-one (131) mortgage loans, Infinity reviewed the mortgage loans to ensure the value of the collateral securing the assets met applicable underwriting guidelines.

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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 seventy- seven (77) mortgage loans. One (1) exempt loan was not subject to a compliance review and did not receive a compliance grade. Fifty-three (53) 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.

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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.

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;

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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;

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.)

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&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);

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ 4506T;

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Appraisal;

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Note;

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

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

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

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;▪ Final
 TIL;

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

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

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

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**ITEM 5: 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, Fitch Ratings, Inc. ("Fitch").

**OVERALL RESULTS SUMMARY (131 MORTGAGE LOANS)**

Infinity's review to NRSRO grading requirements covers one hundred and thirty-one (131) mortgage loans. Within those mortgage loans, Infinity graded one hundred and six (106) mortgage loan as "A" and twenty-five (25) mortgage loan as "B".

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**# of Loans** |
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;130 | &nbsp;&nbsp;111 | &nbsp;&nbsp;125 | &nbsp;&nbsp;106 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;20 | &nbsp;&nbsp;6 | &nbsp;&nbsp;25 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;**Fitch Grade** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;84.73% | &nbsp;&nbsp;95.42% | &nbsp;&nbsp;80.92% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;15.27% | &nbsp;&nbsp;4.58% | &nbsp;&nbsp;19.08% |
| &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% |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY (131 MORTGAGE LOANS)**

Of the one hundred and thirty-one (131) mortgage loans reviewed, 49 (37.40%) mortgage loans had tape discrepancies across thirteen (13) unique data field.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**# of Variances** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;3 | &nbsp;&nbsp;131 | &nbsp;&nbsp;2.29% |
| &nbsp;&nbsp;B1 Citizenship Status | &nbsp;&nbsp;1 | &nbsp;&nbsp;131 | &nbsp;&nbsp;0.76% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;6 | &nbsp;&nbsp;131 | &nbsp;&nbsp;4.58% |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;26 | &nbsp;&nbsp;131 | &nbsp;&nbsp;19.85% |
| &nbsp;&nbsp;Credit QM/ATR Designation | &nbsp;&nbsp;14 | &nbsp;&nbsp;131 | &nbsp;&nbsp;10.69% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;7 | &nbsp;&nbsp;131 | &nbsp;&nbsp;5.34% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;14 | &nbsp;&nbsp;131 | &nbsp;&nbsp;10.69% |
| &nbsp;&nbsp;Original Note Doc Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;131 | &nbsp;&nbsp;0.76% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;2 | &nbsp;&nbsp;131 | &nbsp;&nbsp;1.53% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;10 | &nbsp;&nbsp;131 | &nbsp;&nbsp;7.63% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;7 | &nbsp;&nbsp;131 | &nbsp;&nbsp;5.34% |
| &nbsp;&nbsp;Subject Property Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;131 | &nbsp;&nbsp;0.76% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;10 | &nbsp;&nbsp;131 | &nbsp;&nbsp;7.63% |

---

15 \| P a g e

![](ex9909001.jpg)

**ADDITIONAL LOAN POPULATION SUMMARY (131 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 Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;130 | &nbsp;&nbsp;99.24% | &nbsp;&nbsp;$139506030.00 | &nbsp;&nbsp;99.11% |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.76% | &nbsp;&nbsp;$1259050.00 | &nbsp;&nbsp;0.89% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**131** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$140765080.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;131 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$140765080.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**131** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$140765080.00** | &nbsp;&nbsp;**100.00%** |

---

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;5 | &nbsp;&nbsp;3.82% | &nbsp;&nbsp;$2176450.00 | &nbsp;&nbsp;1.55% |
| &nbsp;&nbsp;Cash Out: Other/Multi- purpose/Unknown purpose | &nbsp;&nbsp;45 | &nbsp;&nbsp;34.35% | &nbsp;&nbsp;$49594285.00 | &nbsp;&nbsp;35.23% |
| &nbsp;&nbsp;Limited Cash-Out (GSE Definition) | &nbsp;&nbsp;3 | &nbsp;&nbsp;2.29% | &nbsp;&nbsp;$3701000.00 | &nbsp;&nbsp;2.63% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;16 | &nbsp;&nbsp;12.21% | &nbsp;&nbsp;$14043220.00 | &nbsp;&nbsp;9.98% |
| &nbsp;&nbsp;Other than first time Home Purchase | &nbsp;&nbsp;39 | &nbsp;&nbsp;29.77% | &nbsp;&nbsp;$46377570.00 | &nbsp;&nbsp;32.95% |
| &nbsp;&nbsp;Rate/Term Refinance -- Borrower initiated | &nbsp;&nbsp;19 | &nbsp;&nbsp;14.50% | &nbsp;&nbsp;$22003555.00 | &nbsp;&nbsp;15.63% |
| &nbsp;&nbsp;Other | &nbsp;&nbsp;4 | &nbsp;&nbsp;3.05% | &nbsp;&nbsp;$2869000.00 | &nbsp;&nbsp;2.04% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**131** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$140765080.00** | &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 Balance** |
| &nbsp;&nbsp;240 Months | &nbsp;&nbsp;16 | &nbsp;&nbsp;12.21% | &nbsp;&nbsp;$22369649.00 | &nbsp;&nbsp;15.89% |
| &nbsp;&nbsp;360 Months | &nbsp;&nbsp;112 | &nbsp;&nbsp;85.50% | &nbsp;&nbsp;$115680931.00 | &nbsp;&nbsp;82.18% |
| &nbsp;&nbsp;480 Months | &nbsp;&nbsp;3 | &nbsp;&nbsp;2.29% | &nbsp;&nbsp;$2714500.00 | &nbsp;&nbsp;1.93% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**131** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$140765080.00** | &nbsp;&nbsp;**100.00%** |

---

16 \| P a g e

![](ex9909001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**# of Loans** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of Original Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;72 | &nbsp;&nbsp;54.96% | &nbsp;&nbsp;$87065235.00 | &nbsp;&nbsp;61.85% |
| &nbsp;&nbsp;Secondary | &nbsp;&nbsp;5 | &nbsp;&nbsp;3.82% | &nbsp;&nbsp;$4362000.00 | &nbsp;&nbsp;3.10% |
| &nbsp;&nbsp;Investor | &nbsp;&nbsp;54 | &nbsp;&nbsp;41.22% | &nbsp;&nbsp;$49337845.00 | &nbsp;&nbsp;35.05% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**131** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$140765080.00** | &nbsp;&nbsp;**100.00%** |

---

**Exhibit A**

---

| |
|:---|
| &nbsp;&nbsp;**Guidelines** |
| &nbsp;&nbsp;Acra Rate Matrices, NQM Programs, 2022 03 18.pdf |
| &nbsp;&nbsp;Apex Elite Alt Doc Guidelines.pdf |
| &nbsp;&nbsp;Apex Guidelines v 5.7 (08-04-2025).pdf |
| &nbsp;&nbsp;Apex Guidelines v5.6 (05-01-2025).pdf |
| &nbsp;&nbsp;CSC Rate Matrix, 1st TDs, 2022 02 11.pdf |
| &nbsp;&nbsp;CSC Rate Matrix, 1st TDs, 2022 03 23.pdf |
| &nbsp;&nbsp;Fundloans to MFA__Apex Matrix v 5.3 (11-24-2025).pdf |
| &nbsp;&nbsp;Fundloans to MFA__Montage Prime Guidelines (07-01-2025) V4.0.pdf |
| &nbsp;&nbsp;Spectrum - No Ratio Guidelines (05-01-2025) v5.2.pdf |
| &nbsp;&nbsp;Spectrum - No Ratio Guidelines (08-04-2025) v5.3.pdf |

---

17 \| P a g e

## Exhibit 99.09

[MFA 2026-NQM2 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.09 - Schedule 1**

---

| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Infinity Loan ID** | **Loan Number** | **Redacted ID** | **Original Loan Amount** | **State** | **Note Date** | **Occupancy** | **Purpose** | **Final Overall Compliance Grade** | **DBRS INITIAL Compliance Grade** | **DBRS FINAL Compliance Grade** | **FITCH INITIAL Compliance Grade** | **FITCH FINAL Compliance Grade** | **KROLL INITIAL Compliance Grade** | **KROLL FINAL Compliance Grade** | **MOODY's INITIAL Compliance Grade** | **MOODY's FINAL Compliance Grade** | **S&P INITIAL Compliance Grade** | **S&P FINAL Compliance Grade** |
| xxx | xxx | 65086 | xxx | XXX | xxx | Primary | Cash Out A | A C | C | A D C | C | A D C | C | A D C | C | A D C | C | A D |
| xxx | xxx | 65107 | xxx | XXX | xxx | Primary | Refinance A | A C D | C | A C D | C | A C D | C | A C D | C | A C D | C | A |
| xxx | xxx | 63736 | xxx | XXX | xxx | Investor | Purchase A | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |

---

## Exhibit 99.09

[MFA 2026-NQM2 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.09 - Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Infinity Loan ID** | **Loan Number** | **Redacted ID** | **Loan Number 2** | **Borrower Name** | **State** | **QM/ATR Status** | **Initial Overall Loan Grade** | **Final Overall Grade** | **Final Credit Grade** | **Final Property Grade** | **Final Compliance Grade** | **Material (level 3) TRID exception?** | **Material (level 3) Non-TRID exception?** | **Active Material Exceptions** | **Active Non Material Exceptions** | **Satisfied Exceptions** | **Waived Exceptions** | **Compensating Factors** | **Property Type** | **Note Date** | **LTV** | **CLTV** | **Occupancy** | **Purpose** | **Credit Score** | **Brwr 1 Yrs in Property** | **Brwr 1 Occupation** | **Brwr 1 Yrs on Job** | **Total Monthly Income** | **Mortgage History** | **Cash Out Amount** | **DTI** | **FTHB Flag** | **Loan Doc Type** | **Loan Status** | **Review Date** |
| xxx | xxx | 65086 |  | xxx | California | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Automated Appraisal Review Missing - EV R<br> COMMENT: AVM to be ordered as both CU risk scores are missing.<br>05/09/2022 - Received AVM. Hence, condition is resolved.<br>\*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 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<br>Higher-Priced Mortgage Loan Test: Charged : 8.320% Allowed : 4.640% Over By : +3.680%<br>This loan is compliant with regulation 1026.35.<br>\*\*\* (CURED) State Higher Price Mortgage Loan - EV R<br> COMMENT: (xxx AB 260, xxx Financial Code Division 1.94995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the xxx Financial Code.<br>xxx AB 260 Higher-Priced Mortgage Loan Test: Charged: 8.320% Allowed : 4.640% Over By: +3.680%<br>This loan is compliant with regulation xxx AB 260, California Financial Code Division 1.94995(a) |  |  | Manufactured Housing | xxx | xxx | xxx | Primary | Cash Out | 649 | 6.5 | xxx | 7.58 | xxx | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report | xxx | 18.367% |  | Alternative | QC Complete | 04/30/2026 |
| xxx | xxx | 63736 |  | xxx | California | Not Covered/Exempt | 1 | 1 | 1 | 1 | 1 | No | No |  |  |  |  |  | PUD | xxx | xxx | xxx | Investor | Purchase |  |  |  |  |  | Mos Reviewed:<br> Times 1X30:<br> Times 1X60:<br> Times 1X90:<br> Currently Delinquent? :<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:<br> Max Days Dlq Last 12 Mos:<br> Verification Type: |  |  | No | Alternative | QC Complete | 12/05/2022 |
| xxx | xxx | 65107 |  | xxx | Texas | Non-QM/Compliant | 4 | 1 | 1 | 1 | 1 | No | No |  |  | \*\*\* (CURED) Federal Higher Price Mortgage Loan - EV R<br> COMMENT: 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<br>Higher-Priced Mortgage Loan Test: Charged 6.530% Allowed 5.110% Over by +1.420%<br>This loan is compliant with regulation 1026.35.<br>\*\*\* (CURED) Required Documentation Missing or Incomplete - EV R<br> COMMENT: "Provide missing information for REO Property located at: xxx - ,Tax Bill or HOA if applicable. If taxes & Insurance are escrowed, provide mortgage statement for the same."<br>07/27/2022 - Received LOE for said property and how it is part of borrowers business with multiple addresses along with tax bill. Hence, exception is resolved.<br>\*\*\* (CURED) 0% Tolerance Fees test fail - EV R<br> COMMENT: "TRID Violation due to a fee increase on Initial CD dated 04/08/2022. Revised LE dated 04/06/2022 reflects a Appraisal update fee at $0.00, however, Initial CD dated 04/08/2022 reflects the Appraisal update fee at xxx. This is a fee increase of xxx for a Non-Shoppable Fee which exceeds the 0% tolerance for Non-Shoppable Fees."<br>08/04/2022 : Not Resolved - Still missing COC or cure amount to resolve the condition.<br>Resolved 8/11/2022 : Received LOE for Appraisal fee paid by broker showing on invoice, hence conditions is resolved. |  |  | Single Family | xxx | xxx | xxx | Primary | Refinance | 702 | 3.75 | xxx | 10.5 | xxx | Mos Reviewed:24<br> Times 1X30:0<br> Times 1X60:0<br> Times 1X90:0<br> Currently Delinquent? :No<br> Total Delinquent:<br> Mortgage/Rent Dlq Last 12 Mos:0<br> Max Days Dlq Last 12 Mos:0<br> Verification Type:Credit Report |  | 17.254% |  | Alternative | QC Complete | 04/30/2026 |

---

## Exhibit 99.09

[MFA 2026-NQM2 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.09 - Schedule 3**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Infinity Loan ID** | **Loan Number** | **Redacted ID** | **Loan Number 2** | **Borrower Last Name** | **Property State** | **Note Date** | **Loan Purpose** | **TPR QM ATR Status** | **Initial Overall Loan Grade** | **Final Overall Loan Grade** | **Exception Category** | **Exception Subcategory** | **Exception Code** | **Final Exception Status** | **Initial Exception Grade** | **Final Exception Grade** | **Exception** | **Exception Detail** | **Follow-up Comments (Exception Response)** | **Exception Conclusion Comments** | **Compensating Factors** | **Curable Status** | **Loan Status** | **Review Date** | **Cleared Date** | **Cured Date** | **Exception Date** |
| xxx | xxx | 65086 |  | xxx | California | xxx | Cash Out | Non-QM/Compliant | 4 | 1 | Valuation | Valuation | AGSHNS1NA4F-ZI5GG5MN | Resolved | 3 | R | \* Automated Appraisal Review Missing (Lvl R) | AVM to be ordered as both CU risk scores are missing.<br>05/09/2022 - Received AVM. Hence, condition is resolved. | 05/09/2022 - Received AVM. Hence, condition is resolved. | 05/09/2022 - Received AVM. Hence, condition is resolved. |  |  | QC Complete | 04/30/2026 | 04/30/2026 | 04/30/2026 | 04/28/2022 |
| xxx | xxx | 65086 |  | xxx | California | xxx | Cash Out | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | AGSHNS1NA4F-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 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<br>Higher-Priced Mortgage Loan Test: Charged : 8.320% Allowed : 4.640% Over By : +3.680%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 04/30/2026 | 04/30/2026 | 04/30/2026 | 04/30/2026 |
| xxx | xxx | 65086 |  | xxx | California | xxx | Cash Out | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | AGSHNS1NA4F-7NVY4BLQ | Resolved | 4 | R | \* State Higher Price Mortgage Loan (Lvl R) | (xxx AB 260, xxx Financial Code Division 1.94995(a)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in the xxx Financial Code.<br>xxx AB 260 Higher-Priced Mortgage Loan Test: Charged: 8.320% Allowed : 4.640% Over By: +3.680%<br>This loan is compliant with regulation xxx AB 260, xxx Financial Code Division 1.94995(a) | This loan is compliant with regulation xxx AB 260, California Financial Code Division 1.94995(a) | This loan is compliant with regulation xxx AB 260, California Financial Code Division 1.94995(a) |  |  | QC Complete | 04/30/2026 | 04/30/2026 | 04/30/2026 | 04/30/2026 |
| xxx | xxx | 65107 |  | xxx | Texas | xxx | Refinance | Non-QM/Compliant | 4 | 1 | Credit | Credit | SEZ4MIJS2AY-U0OKEMMW | Resolved | 3 | R | \* Required Documentation Missing or Incomplete (Lvl R) | "Provide missing information for REO Property located at: xxx - ,Tax Bill or HOA if applicable. If taxes & Insurance are escrowed, provide mortgage statement for the same."<br>07/27/2022 - Received LOE for said property and how it is part of borrowers business with multiple addresses along with tax bill. Hence, exception is resolved. | 07/27/2022 - Received LOE for said property and how it is part of borrowers business with multiple addresses along with tax bill. Hence, exception is resolved. | 07/27/2022 - Received LOE for said property and how it is part of borrowers business with multiple addresses along with tax bill. Hence, exception is resolved. |  |  | QC Complete | 04/30/2026 | 04/30/2026 | 04/30/2026 | 04/28/2022 |
| xxx | xxx | 65107 |  | xxx | Texas | xxx | Refinance | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | SEZ4MIJS2AY-O5S9HFJ8 | Resolved | 4 | R | \* Federal Higher Price Mortgage Loan (Lvl R) | 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<br>Higher-Priced Mortgage Loan Test: Charged 6.530% Allowed 5.110% Over by +1.420%<br>This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. | This loan is compliant with regulation 1026.35. |  |  | QC Complete | 04/30/2026 | 04/30/2026 | 04/30/2026 | 04/30/2026 |
| xxx | xxx | 65107 |  | xxx | Texas | xxx | Refinance | Non-QM/Compliant | 4 | 1 | Compliance | Compliance | SEZ4MIJS2AY-KCK2O87U | Resolved | 3 | R | \* 0% Tolerance Fees test fail (Lvl R) | "TRID Violation due to a fee increase on Initial CD dated 04/08/2022. Revised LE dated 04/06/2022 reflects a Appraisal update fee at $0.00, however, Initial CD dated 04/08/2022 reflects the Appraisal update fee at xxx. This is a fee increase of xxx for a Non-Shoppable Fee which exceeds the 0% tolerance for Non-Shoppable Fees."<br>08/04/2022 : Not Resolved - Still missing COC or cure amount to resolve the condition.<br>Resolved 8/11/2022 : Received LOE for Appraisal fee paid by broker showing on invoice, hence conditions is resolved. | Resolved 8/11/2022 : Received LOE for Appraisal fee paid by broker showing on invoice, hence conditions is resolved. | Resolved 8/11/2022 : Received LOE for Appraisal fee paid by broker showing on invoice, hence conditions is resolved. |  |  | QC Complete | 04/30/2026 | 04/30/2026 | 04/30/2026 | 12/05/2022 |

---

## Exhibit 99.09

[MFA 2026-NQM2 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.09 - Schedule 4**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **LOAN DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **ORIGINATION DATA** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **AVM Data** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **DESK REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **BPO REVIEW DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **FIELD REVIEW/2055 DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **2ND APPRAISAL DATA** | **AGENCY DATA** | **AGENCY DATA** | **AGENCY DATA** |
| **Infinity Loan ID** | **Loan Number** | **Redacted ID** | **Loan Number 2** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Appraised Value** | **Value for CLTV** | **Appraisal Date** | **Appraisal Type** | **AVM Value** | **Variance $** | **Variance %** | **AVM Company** | **AVM FSD Score** | **AVM Effective Date** | **Desk Value** | **Variance $** | **Variance %** | **Desk Company** | **Desk Report Date** | **BPO As-Is Value** | **Variance $** | **Variance %** | **BPO Company** | **BPO Inspection Date** | **FR Value** | **Variance $** | **Variance %** | **FR Company** | **FR Report Date** | **2nd Appraisal Value** | **Variance $** | **Variance %** | **2nd Appraisal Company** | **2nd Appraisal Date** | **Eligible for Rep/Warrant Relief** | **LCA Risk Score** | **CU Score** |
| xxx | xxx | 65086 |  | xxx | xxx | Not Applicable | xxx | xxx | xxx | 1004C Manufactured Home | xxx | xxx | 5.836% | xxx | 0.13 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| xxx | xxx | 63736 |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 Residential Appraisal | xxx | xxx | -8.377% | xxx | 0.1 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Not Applicable | Not Applicable |
| xxx | xxx | 65107 |  | xxx | xxx | Not Applicable | xxx | xxx | xxx | 1004 Residential Appraisal | xxx | xxx | 27.236% | xxx | 0.45 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.5 | 2.6 |

---

## Exhibit 99.09

[MFA 2026-NQM2 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.09 - Schedule 5**

**Data Compare**

---

| | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Infinity Loan ID** | **Loan Number** | **Redacted ID** | **Loan Number 2** | **Field** | **Loan Value** | **Tape Value** | **Variance** | **Variance %** | **Comment** | **Tape Source** |
| xxx | xxx | 65086 |  | Subject Property Type | XXX | XXX |  |  | The Appraisal dated xxx reflects Subject Property Type asXXXX. | Initial |
| xxx | xxx | 63736 |  | B1 Citizenship Status | XXX | Non-Resident Alien |  |  | Final Application reflect B1 Citizenship Status as XXXX. | Initial |
| xxx | xxx | 65107 |  | Original Note Doc Date | xxx | xxx | -4 (Days) |  | The Note reflects the Original Note Doc Date as xxx. | Initial |

---

## Exhibit 99.09

[MFA 2026-NQM2 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.09 - Schedule 6**

---

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| **Infinity Loan ID** | **Loan Number** | **Redacted ID** | **Loan Number 2** | **GSE Eligible Flag** | **DU/LP Approval** | **CDFI Flag** | **Is CEMA (Yes/No)** | **Application Date** | **Guideline Name** | **TILA Status** | **MERS MIN Number** | **Qualifying FICO** | **Verification Safe Harbor Flag** | **Verification Safe Harbor Reference Document** | **ATR QM Total Points and Fees Audit** | **Default Interest Rate Flag** | **Default Interest Rate** | **Cross collateralized Loan Flag** | **Cross Collateralized Loan Release Provision** | **BK Discharge date** | **Bk Chapter** | **Foreclosure Date** | **Short Sale Date** | **Deed In Lieu Date** | **Months of Reserves for Subject Property** | **Project Classification: Warrantable/Non-Warrantable** | **Appraiser Name** | **Appraiser's License Number** | **Appraisal Company** | **Borrower Citizenship Indicator** | **Co Borrower Citizenship Indicator** | **Borrower Documentation Used to Determine Legal Residency** | **Co-Borrower Documentation Used to Determine Legal Residency** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Underwriting Program** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **WVOE Flag (Borr)** | **# of Months of Income validated WVOE (Borr)** | **WVOE Form** | **WVOE Flag (Co-Borr)** | **# of Months of Income validated WVOE (Co-Borr)** | **WVOE Form (Co-Borr)** | **Borr Years of Personal Tax Returns/Transcripts (1040's)** | **Co-Borr Years of Personal Tax Returns/Transcripts (1040's)** | **Borr Years of Business Tax Returns/Transcripts** | **Co-Borr Years of Business Tax Returns/Transcripts** | **Bank Statement Flag (Borr)** | **# of months Personal Bank statements (Borr)** | **# of months Business Bank statements (Borr)** | **Bank Statement Flag (Co-Borr)** | **# of months Personal Bank statements (Co-Borr)** | **# of months Business Bank statements (Co-Borr)** | **P&L Flag (Borr)** | **# of Months P&L (Borr)** | **Who Prepared the P&L** | **CPA Letter Flag (Borr)** | **# of Months CPA verified income (Borr)** | **P&L Flag (Co-Borr)** | **Who Prepared the P&L** | **# of Months P&L (Co-Borr)** | **CPA Letter Flag (Co-Borr)** | **# of Months CPA verified income (Co-Borr)** | **Asset Depletion Flag (DTI)** | **Partial Asset Depletion Flag (DTI)** | **Asset Depletion months amortized** | **Asset Utilization Flag (No DTI)** | **Bespoke Eligible Assets** | **Income Doc Summary** | **Calculated Front End Housing Ratio** | **Calculated Debt-to-Income Ratio** | **DSCR Flag** | **Number of Rental Units** | **Market Rent** | **Market Rent Source** | **Lease in Place** | **Actual in Place Rent** | **DSCR Calc based on Short Term Rental Income Flag** | **DSCR Calculation Method (at Orig)** | **Rental Income Used for DSCR** | **PITIA for DSCR** | **DSCR (at Origination)** | **Borrower Type** | **Loan closed in the name of an entity flag** | **Borrower Entity Name** | **Personal Guaranty Flag** | **Personal Guaranty Recourse to the Borrower Level** | **Guarantor Designation** | **Guarantor 1 First Name** | **Guarantor 1 Last Name** | **Guarantor 2 First Name** | **Guarantor 2 Last Name** |
| xxx | xxx | 65086 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Non-QM/Compliant | xxx | 649 | No |  | Not Applicable | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 106 | Not Applicable | xxx | xxx | xxx | US Citizen | Not Applicable | Not Applicable | Not Applicable | Self-employed | Not Applicable | 12 Mo Bank Statement | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Yes | Not Applicable | 12 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Bank Statement [Primary] | 16.00% | 18.37% | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Individual | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xxx | xxx | 63736 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Not Covered/Exempt | xxx | Not Applicable | No |  | Not Applicable | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 205 | Not Applicable | xxx | xxx | xxx | Foreign National | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | DSCR | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Unavailable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Other [Primary] | Unavailable | Unavailable | Yes | 1 | xxx | Form 1007 | No | Not Applicable | No | Form 1007 | xxx | xxx | 1.08693 | Individual | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |
| xxx | xxx | 65107 |  | No | Not Applicable | Not Applicable | Not Applicable | xxx | xxx | Non-QM/Compliant | xxx | 702 | No |  | Not Applicable | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | 15 | Not Applicable | xxx | xxx | xxx | US Citizen | Not Applicable | Not Applicable | Not Applicable | Self-employed | Not Applicable | 12 Mo Bank Statement | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Yes | 12 | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | B1: Bank Statement [Primary] | 8.86% | 17.25% | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Individual | No | Not Applicable | No | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable | Not Applicable |

---

## Exhibit 99.09

[MFA 2026-NQM2 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.09 - Schedule 7**

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| **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** | **Default Interest Rate** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Co Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Co Borrower Award/Offer Letter** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **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** |
| xxx | 86791 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | 1 | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 11940 | 10/27/2025 | 6.160% |  |  | No | 6.947% |  | 6.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | $0.00 | N/A | xxx | CA | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | Asset Utilization (No DTI) | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA |  | No | No | 60 | Yes | 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 - ["2025"] - 2025 | Borrower - ["2025"] - 2025 | xxx | xxx | XXXX | xxx | xxx | 10/20/2025 | 10/20/2025 |  |  |  | 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 | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | xxx | 791.7 | xxx | 791.7 | No | xxx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 87421 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | V5.2 | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | 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 | 2.002 | 2.002 | 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 | XXXX | xxx | xxx | 12/11/2025 | 12/11/2025 |  |  |  | 650 |  |  |  |  |  |  |  |  | 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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | xxx | 92.5 | No | xxx | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| xxx | 87738 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | v5.7 | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 30.03% | 30.03% | 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 | 35 | 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 - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | xxx | xxx | XXXX | xxx | xxx | 12/26/2025 | 12/26/2025 |  |  |  | 725 |  |  |  |  |  |  |  |  | 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 | xxx | xxx | xxx | xxx | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | xxx | 52.8 | xxx | 54 | No | xxx | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | xxx |  |  |  |
| xxx | 87739 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | V5.6 | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 9835 | 12/01/2025 | 6.190% |  |  | No | 7.511% |  | 7.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 39.41% | 39.41% | 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 |  |  |  | Yes | 48 | 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"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | xxx | xxx | XXXX | xxx | xxx | 10/22/2025 | 10/22/2025 |  |  |  | 737 |  |  |  |  |  |  |  |  | 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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xxx | 40.1 | No | xxx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 87740 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | V5.7 | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 15295 | 12/08/2025 | 6.220% |  |  | No | 6.846% |  | 6.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 70.02% | 70.02% | 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% | 50.00% |  |  | 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 | xxx | xxx | XXXX | xxx | xxx | 11/18/2025 | 11/18/2025 |  |  |  | 668 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7 | xxx | xxx | 0 | 58 |  |  | 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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xxx | 78.3 | No | xxx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 87741 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | v4 | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 11429.38 | 01/05/2026 | 6.190% |  |  | No | 7.169% |  | 6.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | $0.00 | N/A | xxx | TX | xxx | xxx | Annually | 0.00% | 49.32% | 49.32% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | ALT DOC | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 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 | Yes | 20 | 20 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified, Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Retirement - Executed 4506T Verified, 1 YR IRS Transcripts Verified, Award Letter Verified - ["2025"] - 2025 | Borrower - Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025"] - 2025 | xxx | xxx | XXXX | xxx | xxx | 12/01/2025 | 12/01/2025 | 12/01/2025 |  |  | 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 | 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 | 11.7 | xxx | 11.7 | No | xxx | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| xxx | 87742 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | v5.3 | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | 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 | 0.849 | 0.86 | 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 | XXXX | xxx | xxx | 10/28/2025 | 10/28/2025 |  |  |  | 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 | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | xxx | 76 | No | xxx | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 87743 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | v5.6 | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 26335 | 12/29/2025 | 6.250% |  |  | No | 6.784% |  | 6.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 14.34% | 14.34% | 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 |  |  |  | Yes | 167 | 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 | XXXX | xxx | xxx | 11/21/2025 | 11/21/2025 |  |  |  | 696 |  |  |  |  |  |  |  |  | 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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xxx | 31.3 | No | xxx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 87744 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | v5.7 | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.990% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 43.27% | 43.27% | Yes | Yes |  |  |  |  |  |  | Unknown | 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% | 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 - Subject Property Net Rental Income(Loss) if NOO, N/A - Lease Agreements Verified \|\| Co Borrower - SECorporation - Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower \|\| Co Borrower - ["2024","2025"] - 2024, 2025 | xxx | xxx | XXXX | xxx | xxx | 12/02/2025 | 12/02/2025 | 12/02/2025 |  |  | 712 |  |  |  |  |  |  |  |  | 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 |  | xxx | xxx | xxx |  |  | Work Visa |  | xxx | 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 | 25.7 | xxx | 25.7 | No | xxx | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| xxx | 87745 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | V5.7 | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 31605 | 01/05/2026 | 6.190% |  |  | No | 6.806% |  | 6.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | $0.00 | N/A | xxx | TX | xxx | xxx | Annually | 0.00% | 22.27% | 22.27% | 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% | 95.00% |  |  | Audited | 23 | CPA |  |  |  | Yes | 30 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | xxx | xxx | XXXX | xxx | xxx | 12/01/2025 | 12/01/2025 |  |  |  | 719 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 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 |  | xxx | xxx | xxx |  |  | I-551 Stamp and Passport |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | xxx | 83.8 | xxx | 83.8 | No | xxx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 87746 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | 5.3 | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx |  | Yes | xxx | HI | 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% | Stocks/Bonds |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 0.76 | 0.76 | 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 | XXXX | xxx | xxx | 11/14/2025 | 11/14/2025 | 11/14/2025 |  |  | 789 |  |  |  |  |  |  |  |  | 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 | xxx | xxx | xxx | xxx | N/A |  |  | US Citizen | US Citizen | N/A | Passport |  | xxx | xxx | xxx | xxx | xxx | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | xxx | 158.4 | xxx | 183 | No | xxx | Yes | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| xxx | 87747 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | v5.3 | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx |  | N/A | xxx | AZ | 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 | 1.066 | 1.066 | 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 | XXXX | xxx | xxx | 11/22/2025 | 11/22/2025 |  |  |  | 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 |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | xxx | 358.6 | xxx | 358.6 | No | xxx | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| xxx | 87748 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | v5.2 | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | 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 | 1.188 | 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 | XXXX | xxx | xxx | 11/20/2025 | 11/20/2025 |  |  |  | 759 |  |  |  |  |  |  |  |  | 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 |  | xxx | xxx | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | xxx | 9.2 | xxx | 9.6 | No | xxx | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 87749 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | V5.6 | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 7533.5 | 12/29/2025 | 6.250% |  |  | No | 6.463% |  | 6.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | N/A | xxx | ID | xxx | xxx | Annually | 0.00% | 28.27% | 28.27% | Yes | 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 | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, N/A - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower | Borrower - ["2024","2025"] - 2024, 2025 \|\| Co Borrower | xxx | xxx | XXXX | xxx | xxx | 12/23/2025 | 12/23/2025 | 12/23/2025 |  |  | 741 |  |  |  |  |  |  |  |  | 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 | 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 | 69.9 | xxx | 69.9 | No | xxx | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| xxx | 87750 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | V5.7 | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 23465 | 01/05/2026 | 6.190% |  |  | No | 6.574% |  | 6.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 13.39% | 13.39% | 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 | 30 | 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 | xxx | xxx | XXXX | xxx | xxx | 12/22/2025 | 12/22/2025 |  |  |  | 773 |  |  |  |  |  |  |  |  | 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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | xxx | 190.5 | xxx | 190.5 | No | xxx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 87751 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | V5.7 | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 13115 | 01/12/2026 | 6.170% |  |  | No | 7.779% |  | 7.490% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 33.48% | 33.48% | 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 | 84 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Executed 4506T Verified, Business Bank Statements Verified - ["2025"] - 2025 | Borrower - Executed 4506T Verified - ["2025"] - 2025 | xxx | xxx | XXXX | xxx | xxx | 12/30/2025 | 12/30/2025 |  |  |  | 694 |  |  |  |  |  |  |  |  | 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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | xxx | 33.2 | xxx | 33.2 | No | xxx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 87761 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | V4 | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | Asset Utilization (No DTI) | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 NA |  | No | No | 60 | Yes | Yes | Yes | 6 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Asset Depletion, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - Executed 4506T Verified, Personal Bank Statements Verified - ["2025"] - 2025 | Borrower - Executed 4506T Verified - ["2025"] - 2025 | xxx | xxx | XXXX | xxx | xxx | 01/09/2026 | 01/09/2026 |  |  |  | 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 |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | xxx | 444.4 | xxx | 444.4 | No | xxx | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 87816 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | v5.7 | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 49.20% | 49.20% | 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 |  |  |  | Yes | 217 | 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 | XXXX | xxx | xxx | 01/09/2026 | 01/09/2026 |  |  |  | 763 |  |  |  |  |  |  |  |  | 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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | xxx | 116.1 | No | xxx | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 87818 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | V4 | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 26.85% | 26.85% | Yes | Yes |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 2YR Full Doc | 2 | 0 | 2+ Months | NA | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 2 | 1 | 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 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - N/A - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(N/A) | Borrower - 2 YRS Personal Tax Returns Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(N/A) | xxx | xxx | XXXX | xxx | xxx | 11/22/2025 | 11/22/2025 | 11/22/2025 |  |  | 787 |  |  |  |  |  |  |  |  | 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 | 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 | 88.1 | xxx | 88.1 | No | xxx | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| xxx | 87819 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | V4 | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 17835 | 01/19/2026 | 6.060% |  |  | No | 6.366% |  | 6.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 33.64% | 33.64% | No |  |  |  |  |  |  |  | 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% |  | Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(K1), 2 YRS W2 1099 Verified, 2 YRS 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), 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2024","2023"] - 2024, 2023 | xxx | xxx | XXXX | xxx | xxx | 12/01/2025 | 12/01/2025 |  |  |  | 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 | Passport |  | xxx | xxx | xxx | xxx | xxx | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | xxx | 33.6 | xxx | 35.4 | No | xxx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 87820 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | v1 | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 3935 | 01/05/2026 | 6.190% |  |  | No | 7.005% |  | 6.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | N/A | xxx | CO | xxx | xxx | Monthly | 0.00% | 27.49% | 27.49% | 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 | 69 | 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 | XXXX | xxx | xxx | 12/01/2025 | 12/01/2025 |  |  |  | 680 |  |  |  |  |  |  |  |  | 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 | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xxx | 51.9 | No | xxx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | xxx |  |  |  |
| xxx | 87821 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | 5.2 | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx |  | N/A | xxx | AZ | 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 | 0.774 | 0.774 | 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 | XXXX | xxx | xxx | 12/03/2025 | 12/03/2025 | 12/03/2025 |  |  | 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 | 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 | Unknown | N/A | .00 | 0 | xxx | 58.6 | No | xxx | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| xxx | 87823 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | v5.6 | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 28335 | 01/19/2026 | 6.060% |  |  | No | 6.489% |  | 6.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 40.20% | 40.20% | 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 - SEPartnership, SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | xxx | xxx | XXXX | xxx | xxx | 12/08/2025 | 12/08/2025 |  |  |  | 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 | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | xxx | 3.9 | xxx | 16.8 | No | xxx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 87824 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | v5.6 | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 19335 | 12/15/2025 | 6.270% |  |  | No | 6.982% |  | 6.740% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | $0.00 | N/A | xxx | SC | xxx | xxx | Monthly | 0.00% | 43.45% | 43.45% | 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 | 23 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 \|\| Co Borrower | Borrower - ["2024","2025"] - 2024, 2025 \|\| Co Borrower | xxx | xxx | XXXX | xxx | xxx | 12/11/2025 | 12/11/2025 | 12/11/2025 |  |  | 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 | 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 | .00 | 0 | xxx | 16.1 | No | xxx | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| xxx | 87825 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | v4 | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 15337.5 | 01/05/2026 | 6.190% |  |  | No | 6.589% |  | 6.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 49.30% | 49.30% | No | No |  |  |  |  |  |  | Not Employed | Employed |  |  |  |  | ALT DOC | 0 | 1 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 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 | 290 | 35 | FNMA 1005 | No | 0 |  | N/A | Borrower - SSI and Disability, Other REO Net Rental Income(Loss) - Executed 4506T Verified, 1 YR IRS Transcripts Verified, Lease Agreements Verified - ["2025"] - 2025 \|\| Co Borrower - Wage, SSI and Disability - 1 YR W2 1099 Verified, Written VOE Verified, Executed 4506T Verified, 1 YR IRS Transcripts Verified, Lease Agreements Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | Borrower - Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025"] - 2025 \|\| Co Borrower - Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025","2024","2023"] - 2025, 2024, 2023 | xxx | xxx | XXXX | xxx | xxx | 12/10/2025 | 12/10/2025 | 12/10/2025 |  |  | 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 |  | 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 | 7.4 | xxx | 8.7 | No | xxx | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| xxx | 87826 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | v5.7 | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 8135 | 01/05/2026 | 6.190% |  |  | No | 6.716% |  | 6.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 48.40% | 48.40% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | 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 | 167 | Yes | 55 | 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 - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - ["2025","2024"] - 2025, 2024 \|\| Co Borrower - ["2025","2024"] - 2025, 2024 | xxx | xxx | XXXX | xxx | xxx | 12/11/2025 | 12/11/2025 | 12/11/2025 |  |  | 704 |  |  |  |  |  |  |  |  | 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 | 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 | .00 | 0 | xxx | 23.3 | No | xxx | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| xxx | 87827 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | V5.7 | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 25835 | 12/22/2025 | 6.250% |  |  | No | 6.392% |  | 6.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 35.85% | 35.85% | 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% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 35 | Tax Preparer |  |  |  | Yes | 64 | 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","2023"] - 2025, 2024, 2023 | Borrower - ["2025","2024","2023"] - 2025, 2024, 2023 | xxx | xxx | XXXX | xxx | xxx | 11/19/2025 | 11/19/2025 |  |  |  | 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 |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xxx | 39.9 | No | xxx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 87829 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | v5.3 | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 12515 | 01/05/2026 | 6.190% |  |  | No | 7.737% |  | 7.490% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 41.61% | 41.61% | 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 | 12 | 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 | xxx | xxx | XXXX | xxx | xxx | 12/10/2025 | 12/10/2025 |  |  |  | 682 |  |  |  |  |  |  |  |  | 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 |  | xxx | xxx | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | xxx | 6.3 | xxx | 6.3 | No | xxx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 87830 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | v5.3 | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 13.70% | 13.70% | 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 | 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 - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | xxx | xxx | XXXX | xxx | xxx | 12/17/2025 | 12/17/2025 |  |  |  | 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 |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | xxx | 102.5 | No | xxx | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 87831 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | 5.3 | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx |  | N/A | xxx | AZ | 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 | 0.87 | 0.87 | 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 | XXXX | xxx | xxx | 11/10/2025 | 11/10/2025 |  |  |  | 731 |  |  |  |  |  |  |  |  | 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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | xxx | 69.1 | xxx | 69.1 | No | xxx | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 87832 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | v5.2 | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | 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 | 0.607 | 0.607 | 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 | XXXX | xxx | xxx | 01/20/2026 | 01/20/2026 |  |  |  | 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 | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | xxx | 41.5 | xxx | 42.5 | No | xxx | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 87833 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | v5.6 | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 23255 | 12/29/2025 | 6.250% |  |  | No | 6.227% |  | 6.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | N/A | xxx | CA | 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 | XXXX | xxx | xxx | 12/19/2025 | 12/19/2025 |  |  |  | 740 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | Closed End |  |  |  |  |  | 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 | 12.9 | xxx | 12.9 | No | xxx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | xxx |  |  |  |
| xxx | 87834 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | 5.3 | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx |  | N/A | xxx | OK | 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 | 0.966 | 0.966 | 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 | XXXX | xxx | xxx | 12/22/2025 | 12/22/2025 |  |  |  | 792 |  |  |  |  |  |  |  |  | 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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | xxx | 23.3 | No | xxx | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| xxx | 87835 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | V1 | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 28835 | 01/12/2026 | 6.170% |  |  | No | 7.217% |  | 6.990% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx | N/A |  |  | $0.00 |  |  | 0.00% | 12.50% | 12.50% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 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 | 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 - ["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 | xxx | xxx | XXXX | xxx | xxx | 11/21/2025 | 11/21/2025 | 11/21/2025 |  |  | 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 | 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 | 35.3 | xxx | 35.3 | No | xxx | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| xxx | 87836 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | v4 | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 32.59% | 32.59% | Yes |  |  |  |  |  |  |  | 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% |  |  | Audited | 12 | Tax Preparer |  |  |  | NA | 0 | No |  | NA | 0 | 0 |  |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, 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), 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","2025"] - 2023, 2024, 2025 | 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 | xxx | xxx | XXXX | xxx | xxx | 12/24/2025 | 12/24/2025 |  |  |  | 761 |  |  |  |  |  |  |  |  | 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 |  | Real ID Driver's License |  | xxx | xxx | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | xxx | 138.2 | No | xxx | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 87837 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | v5.7 | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | $0.00 | N/A | xxx | WY | xxx | xxx | Annually | 0.00% | 18.73% | 18.73% | 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% | 99.50% |  |  | 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) - Business Bank Statements Verified - ["2025"] - 2025 | Borrower - ["2025"] - 2025 | xxx | xxx | XXXX | xxx | xxx | 12/10/2025 | 12/10/2025 |  |  |  | 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 |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | xxx | 53.3 | No | xxx | N/A | No | No | No | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| xxx | 87838 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | v4 | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 24241.25 | 01/05/2026 | 6.190% |  |  | No | 6.698% |  | 6.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | $0.00 | Yes | xxx | UT | xxx | xxx | Monthly | 0.00% | 47.61% | 47.61% | No |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Asset Depletion – Debt Ratio Calculation | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA |  | Yes | No | 60 | No | No | Yes | 0 | 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 - Asset Depletion, Other REO Net Rental Income(Loss) - ["2025","2026"] - 2025, 2026 | Borrower - ["2025","2026"] - 2025, 2026 | xxx | xxx | XXXX | xxx | xxx | 12/18/2025 | 12/18/2025 |  |  |  | 812 |  |  |  |  |  |  |  |  | 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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | xxx | 246.2 | xxx | 246.2 | No | xxx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 87839 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | V5.7 | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 28241.25 | 01/05/2026 | 6.190% |  |  | No | 6.751% |  | 6.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | $0.00 | N/A | xxx | FL | xxx | xxx | Annually | 0.00% | 29.39% | 29.39% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 1 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 NA | NA | No | No | 0 | No | No | N/A | 0 | 0 | Yes | Yes | 0 | 12 | 100.00% | 0.00% | 50.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | Yes | 36 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - N/A - 1 YR W2 1099 Verified, Executed 4506T Verified \|\| Co Borrower - SEPartnership - CPA Letter Verified, Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - Executed 4506T Verified \|\| Co Borrower - Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | xxx | xxx | XXXX | xxx | xxx | 12/22/2025 | 12/22/2025 | 12/22/2025 |  |  | 741 |  |  |  |  |  |  |  |  | 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 | 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 | .00 | 0 | xxx | 61.4 | No | xxx | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| xxx | 87840 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | V4 | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 8975 | 01/05/2026 | 6.190% |  |  | No | 6.510% |  | 6.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 39.37% | 39.37% | Yes |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | Asset Depletion – Debt Ratio Calculation | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA |  | Yes | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 100.00% | 100.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Other, Subject Property Net Rental Income(Loss) if NOO - ["2025"] - 2025 | Borrower - ["2025"] - 2025 | xxx | xxx | XXXX | xxx | xxx | 01/05/2026 | 01/05/2026 |  |  |  | 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 | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | xxx | 329.9 | xxx | 329.9 | No | xxx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 87841 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | v5.7 | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 16735 | 01/19/2026 | 6.060% |  |  | No | 6.776% |  | 6.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | $0.00 | Yes | xxx | AZ | xxx | xxx | Annually | 0.00% | 16.66% | 16.66% | 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 |  |  |  | 100.00% | 100.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | Yes | 48 | 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 | XXXX | xxx | xxx | 12/23/2025 | 12/23/2025 |  |  |  | 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 | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | xxx | 28.2 | xxx | 28.2 | No | xxx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 87842 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | v5.7 | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 40830 | 01/12/2026 | 6.170% |  |  | No | 6.556% |  | 6.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 37.98% | 37.98% | 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, SESoleProprietor - Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | xxx | xxx | XXXX | xxx | xxx | 01/20/2026 | 01/20/2026 |  |  |  | 687 |  |  |  |  |  |  |  |  | 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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xxx | 33.9 | No | xxx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 87843 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | 5.3 | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | 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% | Proceeds from Sale |  | 0 |  |  |  | 0 |  | 0 | No | 0 |  | 0 | 0 |  |  | 0 | 0 |  | Yes | 1.081 | 1.081 | 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 | XXXX | xxx | xxx | 12/12/2025 | 12/12/2025 | 12/12/2025 |  |  | 789 |  |  |  |  |  |  |  |  | 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 | 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 | 23.6 | xxx | 23.6 | No | xxx | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| xxx | 87844 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | V4 | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | $0.00 | N/A | xxx | FL | xxx | xxx | Monthly | 0.00% | 45.34% | 45.34% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 2 | 2 |  |  | 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 |  | N/A | Borrower - SESCorp, SEPartnership, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1065, 1120, K1), 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2023"] - 2024, 2023 | Borrower - 2 YRS Personal Tax Returns Verified, 2 YRS Business Tax Returns Verified(1065, 1120, K1), 3 YRS Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2023"] - 2024, 2023 | xxx | xxx | XXXX | xxx | xxx | 01/15/2026 | 01/15/2026 |  |  |  | 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 | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | xxx | 198.4 | xxx | 198.4 | No | xxx | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| xxx | 87845 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | V5.6 | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 29.89% | 29.89% | 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"] - 2025 | Borrower - ["2025"] - 2025 | xxx | xxx | XXXX | xxx | xxx | 12/17/2025 | 12/17/2025 |  |  |  | 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 | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | xxx | 53.1 | xxx | 146.6 | No | xxx | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| xxx | 87846 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | V5.6 | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 9010 | 01/12/2026 | 6.170% |  |  | No | 6.862% |  | 6.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | $0.00 | N/A | xxx | TX | xxx | xxx | Annually | 0.00% | 12.88% | 12.88% | 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% | 100.00% |  | Stocks/Bonds | Audited | 12 | CPA | N/A | N/A | 0 | Yes | 24 | Yes | 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"] - 2025 \|\| Co Borrower - CPA Letter Verified | Borrower - ["2025"] - 2025 \|\| Co Borrower | xxx | xxx | XXXX | xxx | xxx | 12/03/2025 | 12/03/2025 | 12/03/2025 |  |  | 798 |  |  |  |  |  |  |  |  | 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 | 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 | 10 | xxx | 10 | No | xxx | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| xxx | 87847 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | v5.6 | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  |  |  | xxx | Yes | 7.490% | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | $0.00 | N/A | xxx | CA | xxx |  | Monthly | 0.00% | 13.87% | 13.87% | 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 | 233 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  |  | Borrower - SESoleProprietor - CPA Letter Verified, 1 YR Executed 4506T Verified, Business Bank Statements Verified - ["2025"] - 2025 | Borrower - 1 YR Executed 4506T Verified - ["2025"] - 2025 | xxx | xxx | XXXX | xxx | xxx | 12/17/2025 | 12/17/2025 |  |  |  | 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 | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | xxx | 36.3 | xxx | 36.3 | No | xxx | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| xxx | 87848 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | v5.6 | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.490% |  | xxx | Yes | 7.490% | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx | N/A |  | CA | $0.00 |  |  | 0.00% | 13.71% | 13.71% | 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 | 233 | 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 | XXXX | xxx | xxx | 12/17/2025 | 12/17/2025 |  |  |  | 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 | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | xxx | 43.6 | xxx | 43.6 | No | xxx | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| xxx | 87849 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | V5.6 | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.490% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | $0.00 | N/A | xxx | CA | xxx |  | Monthly | 0.00% | 29.29% | 29.29% | 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 | 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, Executed 4506T Verified, Business Bank Statements Verified - ["2025"] - 2025 | Borrower - Executed 4506T Verified - ["2025"] - 2025 | xxx | xxx | XXXX | xxx | xxx | 12/17/2025 | 12/17/2025 |  |  |  | 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 | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | xxx | 52.8 | xxx | 165 | No | xxx | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| xxx | 87850 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | V5.6 | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.490% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 29.22% | 29.22% | 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, 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 | XXXX | xxx | xxx | 12/17/2025 | 12/17/2025 |  |  |  | 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 | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | xxx | 71.5 | xxx | 192.9 | No | xxx | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| xxx | 87851 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | V5.6 | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.490% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 30.00% | 30.00% | 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"] - 2025 | Borrower - ["2025"] - 2025 | xxx | xxx | XXXX | xxx | xxx | 12/17/2025 | 12/17/2025 |  |  |  | 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 | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | xxx | 71.6 | xxx | 194.9 | No | xxx | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| xxx | 87861 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | v5.7 | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 14.85% | 14.85% | 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 |  |  |  | Yes | 30 | 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 - ["2025"] - 2025 | Borrower - ["2025"] - 2025 | xxx | xxx | XXXX | xxx | xxx | 12/22/2025 | 12/22/2025 |  |  |  | 773 |  |  |  |  |  |  |  |  | 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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | xxx | 28050.2 | No | xxx | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 87762 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | V5.7 | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 84335 | 01/19/2026 | 6.060% |  |  | No | 6.525% |  | 6.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 42.88% | 42.88% | 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% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | Yes | 108 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | xxx | xxx | XXXX | xxx | xxx | 01/07/2026 | 01/07/2026 |  |  |  | 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 |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | xxx | 29.3 | xxx | 29.3 | No | xxx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 87763 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | V4 | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 14960 | 01/12/2026 | 6.170% |  |  | No | 7.082% |  | 6.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | No |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Asset Utilization (No DTI) | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA |  | No | No | 60 | Yes | 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 - ["2026"] - 2026 | Borrower - ["2026"] - 2026 | xxx | xxx | XXXX | xxx | xxx | 11/25/2025 | 11/25/2025 |  |  |  | 650 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 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 |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xxx | 108 | No | xxx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | xxx |  |  |  |
| xxx | 87962 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | V5.7 | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 17.07% | 17.07% | 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 | xxx | xxx | XXXX | xxx | xxx | 08/19/2025 | 08/19/2025 |  |  |  | 719 |  |  |  |  |  |  |  |  | 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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | xxx | 52.4 | xxx | 52.5 | No | xxx | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| xxx | 88037 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | v5.7 | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 27830 | 01/05/2026 | 6.190% |  |  | No | 7.123% |  | 6.990% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 40.94% | 40.94% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 1 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  | Stocks/Bonds | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | Yes | 4 | 4 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Wage - CPA Letter Verified, YTD Profit And Loss Verified, 1 YR W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified - ["2025","2026"] - 2025, 2026 | Borrower - Executed 4506T Verified - ["2025","2026"] - 2025, 2026 | xxx | xxx | XXXX | xxx | xxx | 12/11/2025 | 12/11/2025 |  |  |  | 781 |  |  |  |  |  |  |  |  | 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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | xxx | 15 | xxx | 15.2 | No | xxx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 88038 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | 5.3 | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx |  | N/A | xxx | FL | 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 | 0.83 | 0.789 | 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 | XXXX | xxx | xxx | 02/09/2026 | 02/09/2026 |  |  |  | 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 |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | xxx | 68.7 | No | xxx | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 88039 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | v5.6 | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 20866.25 | 01/26/2026 | 6.140% |  |  | No | 6.427% |  | 6.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | $0.00 | N/A | xxx | AZ | xxx | xxx | Annually | 0.00% | 15.98% | 15.98% | 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% | 50.00% | 50.00% |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer | Third-Party Prepared (Unaudited) | Tax Preparer | 12 | Yes | 85 | Yes | 85 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership - CPA Letter Verified, YTD Profit And Loss Verified - ["2025"] - 2025 \|\| Co Borrower - SEPartnership - CPA Letter Verified, YTD Profit And Loss Verified - ["2025"] - 2025 | Borrower - ["2025"] - 2025 \|\| Co Borrower - ["2025"] - 2025 | xxx | xxx | XXXX | xxx | xxx | 12/29/2025 | 12/29/2025 | 12/29/2025 |  |  | 789 |  |  |  |  |  |  |  |  | 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 | 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 | 365.2 | xxx | 365.2 | No | xxx | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| xxx | 88040 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | v1 | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 74665.8 | 02/02/2026 | 6.100% |  |  | No | 7.244% |  | 6.990% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 36.86% | 36.86% | 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% | 96.00% |  |  | Audited | 12 | CPA |  |  |  | Yes | 217 | 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 | XXXX | xxx | xxx | 12/29/2025 | 12/29/2025 |  |  |  | 706 |  |  |  |  |  |  |  |  | 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 |  | xxx | xxx | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xxx | 10.6 | No | xxx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | xxx |  |  |  |
| xxx | 88041 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | V4 | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 42.23% | 42.23% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 2 NA | 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 - Wage, Subject Property Net Rental Income(Loss) if NOO - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS IRS Transcripts Verified - ["2024","2025","2023"] - 2024, 2025, 2023 \|\| Co Borrower - Wage - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS IRS Transcripts Verified, Award Letter Verified - ["2026","2024","2023"] - 2026, 2024, 2023 | Borrower - 2 YRS IRS Transcripts Verified - ["2024","2025","2023"] - 2024, 2025, 2023 \|\| Co Borrower - 2 YRS IRS Transcripts Verified - ["2026","2024","2023"] - 2026, 2024, 2023 | xxx | xxx | XXXX | xxx | xxx | 01/07/2026 | 01/07/2026 | 01/07/2026 |  |  | 759 |  |  |  |  |  |  |  |  | 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 | 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 | 46.2 | xxx | 46.2 | No | xxx | N/A | No | No | Yes | Member on Behalf of Entity | Borrower As Individual | N/A | N/A |  |  |  |  |
| xxx | 87857 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | v5.7 | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 9050 | 01/26/2026 | 6.140% |  |  | No | 7.450% |  | 7.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 19.89% | 19.89% | 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% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 49 | 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"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | xxx | xxx | XXXX | xxx | xxx | 01/13/2026 | 01/13/2026 |  |  |  | 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 | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | xxx | 14.6 | xxx | 14.6 | No | xxx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 88042 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | v5.3 | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 16.76% | 16.76% | 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 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | xxx | xxx | XXXX | xxx | xxx | 01/12/2026 | 01/12/2026 |  |  |  | 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 | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | xxx | 16.3 | xxx | 16.3 | No | xxx | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| xxx | 88043 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | V5.7 | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 63612.5 | 01/19/2026 | 6.060% |  |  | No | 6.487% |  | 6.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 29.23% | 29.23% | 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 | 252 | 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 | XXXX | xxx | xxx | 01/13/2026 | 01/13/2026 |  |  |  | 765 |  |  |  |  |  |  |  |  | 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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xxx | 30.2 | No | xxx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 88044 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | 5.3 | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 5.740% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx |  | N/A | xxx | GA | 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 | 1.254 | 1.252 | 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 | XXXX | xxx | xxx | 01/16/2026 | 01/16/2026 |  |  |  | 780 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | xxx | 24.2 | xxx | 134.4 | No | xxx | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 88045 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | 5.3 | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 5.740% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx |  | N/A | xxx | GA | 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 | 1.064 | 1.064 | 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 | XXXX | xxx | xxx | 01/16/2026 | 01/16/2026 |  |  |  | 780 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | xxx | 23.2 | xxx | 128.8 | No | xxx | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 88046 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | 5.3 | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | 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 | 1.456 | 1.456 | 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 | XXXX | xxx | xxx | 02/05/2026 | 02/05/2026 |  |  |  | 731 |  |  |  |  |  |  |  |  | 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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | xxx | 71.5 | xxx | 71.5 | No | xxx | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 88047 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | V5.7 | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 10814.03 | 01/26/2026 | 6.140% |  |  | No | 6.378% |  | 6.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 19.84% | 19.84% | 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 | 24 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified, Lease Agreements Verified - ["2025"] - 2025 \|\| Co Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified, Lease Agreements Verified - ["2025"] - 2025 | Borrower - ["2025"] - 2025 \|\| Co Borrower - ["2025"] - 2025 | xxx | xxx | XXXX | xxx | xxx | 01/22/2026 | 01/22/2026 | 01/29/2026 |  |  | 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 |  | 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 | 13.6 | xxx | 13.6 | No | xxx | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| xxx | 88048 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | v5.3 | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | 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 | 1.003 | 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 | XXXX | xxx | xxx | 02/02/2026 | 02/02/2026 |  |  |  | 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 |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | xxx | 59.3 | xxx | 59.3 | No | xxx | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | xxx |  |  |  |
| xxx | 88179 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | V5.7 | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 21485 | 02/02/2026 | 6.100% |  |  | No | 6.283% |  | 6.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 48.84% | 48.84% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA |  | No | Yes | 60 | No | Yes | Yes | 12 | 0 | No |  |  |  | 69.94% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Asset Depletion - CPA Letter Verified, Personal Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | xxx | xxx | XXXX | xxx | xxx | 01/05/2026 | 01/05/2026 |  |  |  | 747 |  |  |  |  |  |  |  |  | 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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | xxx | 84.5 | xxx | 84.8 | No | xxx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | xxx |  |  |  |
| xxx | 88182 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | 5.3 | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | 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 | 0.977 | 0.977 | 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 | XXXX | xxx | xxx | 02/09/2026 | 02/09/2026 |  |  |  | 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 | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | xxx | 10 | xxx | 10 | No | xxx | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 88049 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | v4 | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 16647.5 | 02/09/2026 | 6.130% |  |  | No | 6.268% |  | 6.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | $0.00 | N/A | xxx | CA | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | No | No |  |  |  |  |  |  | Not Employed | Not Employed |  |  |  |  | Asset Utilization (No DTI) | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | NA | No | No | 60 | Yes | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | Stocks/Bonds,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 - Asset Depletion - ["2025"] - 2025 \|\| Co Borrower - Asset Depletion - ["2025"] - 2025 | Borrower - ["2025"] - 2025 \|\| Co Borrower - ["2025"] - 2025 | xxx | xxx | XXXX | xxx | xxx | 01/27/2026 | 01/27/2026 | 01/27/2026 |  |  | 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 |  | 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 | 120.1 | xxx | 164.9 | No | xxx | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| xxx | 88183 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | V4 | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 8397.5 | 02/02/2026 | 6.100% |  |  | No | 6.273% |  | 6.125% |  | xxx | No |  | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 | xxx | $0.00 | Yes | xxx | CA | xxx | xxx | Monthly | 0.00% | 48.05% | 48.05% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 2 NA |  | No | Yes | 60 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Asset Depletion - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, 2 YRS IRS Transcripts Verified - ["2024","2025","2026"] - 2024, 2025, 2026 | Borrower - 2 YRS IRS Transcripts Verified - ["2024","2025","2026"] - 2024, 2025, 2026 | xxx | xxx | XXXX | xxx | xxx | 02/01/2026 | 02/01/2026 |  |  |  | 781 |  |  |  |  |  |  |  |  | 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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | xxx | 53.3 | xxx | 53.3 | No | xxx | Yes | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 88184 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | V5.7 | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 15185 | 02/09/2026 | 6.130% |  |  | No | 6.422% |  | 6.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | $0.00 | N/A | xxx | CA | xxx | xxx | Monthly | 0.00% | 11.78% | 11.78% | 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% | Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 128 | 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","2026"] - 2025, 2026 \|\| Co Borrower - N/A | Borrower - ["2025","2026"] - 2025, 2026 \|\| Co Borrower | xxx | xxx | XXXX | xxx | xxx | 02/09/2026 | 02/09/2026 | 02/09/2026 |  |  | 780 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | 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 | 83 | xxx | 83 | No | xxx | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| xxx | 88186 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | v1 | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.625% |  | xxx | Yes | 6.625% | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 42.01% | 42.01% | Yes | Yes |  |  |  |  |  |  | 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 | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | 50.00% |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer | Third-Party Prepared (Unaudited) | Tax Preparer | 12 | Yes | 229 | Yes | 229 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | 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 - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - SEPartnership - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - ["2024","2025"] - 2024, 2025 | xxx | xxx | XXXX | xxx | xxx | 12/12/2025 | 12/12/2025 | 12/12/2025 |  |  | 778 |  |  |  |  |  |  |  |  | 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 | 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 | 17.7 | xxx | 32.9 | No | xxx | N/A | No | No | Yes | Member on Behalf of Entity | Member on Behalf of Entity | N/A | N/A |  |  |  |  |
| xxx | 88192 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | V5.7 | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation |  |  |  |  |  | No |  |  | 6.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 38.20% | 38.20% | 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 | 175 | 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 | xxx | xxx | XXXX | xxx | xxx | 12/30/2025 | 12/30/2025 |  |  |  | 747 |  |  |  |  |  |  |  |  | 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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | .00 | 0 | No | xxx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 88200 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | V5.7 | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 14635 | 01/19/2026 | 6.060% |  |  | No | 6.451% |  | 6.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 49.85% | 49.85% | 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 | Yes | 60 | No | No | Yes | 0 | 0 | Yes | Yes | 0 | 12 | 84.19% | 100.00% | 100.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | Yes | 53 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Asset Depletion - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2025"] - 2025 | Borrower - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - ["2025"] - 2025 | xxx | xxx | XXXX | xxx | xxx | 01/19/2026 | 01/19/2026 | 01/19/2026 |  |  | 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 | 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 | 20.2 | xxx | 20.2 | No | xxx | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| xxx | 88201 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | 5.3 | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.740% |  | xxx | Yes | 6.740% | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | 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 | 1.267 | 1.267 | 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 | XXXX | xxx | xxx | 01/09/2026 | 01/09/2026 |  |  |  | 780 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | xxx | 36.9 | xxx | 36.9 | No | xxx | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 88206 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | 5.3 | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx |  | Yes | xxx | FL | 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 | 1.341 | 1.34 |  | 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 | XXXX | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 |  |  |  |  |  |  |  | Unknown | No |  |  |  |  |  |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Passport |  | xxx | xxx | xxx | xxx | xxx | Work Visa |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | xxx | 10.7 | xxx | 10.7 | No | xxx | Yes | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| xxx | 88208 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | v5.7 | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 9539 | 02/09/2026 | 6.130% |  |  | No | 6.800% |  | 6.740% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 36.41% | 36.41% | 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 |  |  |  | Yes | 117 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, 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 | XXXX | xxx | xxx | 01/26/2026 | 01/26/2026 |  |  |  | 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 | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | xxx | 27 | xxx | 51.9 | No | xxx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | xxx |  |  |  |
| xxx | 88209 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | v5.7 | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | $0.00 | N/A | xxx | CA | xxx | xxx | Monthly | 0.00% | 36.41% | 36.41% | 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 | 117 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Executed 4506T Verified, Business Bank Statements Verified - ["2025","2024"] - 2025, 2024 | Borrower - Executed 4506T Verified - ["2025","2024"] - 2025, 2024 | xxx | xxx | XXXX | xxx | xxx | 01/26/2026 | 01/26/2026 |  |  |  | 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 | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | xxx | 15.8 | xxx | 15.8 | No | xxx | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | xxx |  |  |  |
| xxx | 88211 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | V5.7 | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 31835 | 02/09/2026 | 6.130% |  |  | No | 6.150% |  | 6.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 49.43% | 49.43% | 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 | Yes | 60 | No | Yes | Yes | 3 | 12 | No | N/A | 0 | 0 | 77.76% | 100.00% | 0.00% |  | N/A | 0 | N/A | 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, Asset Depletion, Other REO Net Rental Income(Loss) - CPA Letter Verified, Personal Bank Statements Verified, Business Bank Statements Verified - ["2025","2026"] - 2025, 2026 \|\| Co Borrower - N/A | Borrower - ["2025","2026"] - 2025, 2026 \|\| Co Borrower | xxx | xxx | XXXX | xxx | xxx | 02/02/2026 | 02/02/2026 | 02/02/2026 |  |  | 787 |  |  |  |  |  |  |  |  | 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 | 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 | 13.6 | xxx | 13.6 | No | xxx | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | xxx | xxx |  |  |
| xxx | 88213 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | V4 | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 17015 | 02/09/2026 | 6.130% |  |  | No | 6.411% |  | 6.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 49.97% | 49.97% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 2 NA |  | No | Yes | 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, Child Support, Asset Depletion - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified, Separation Agreement Verified - ["2025","2024"] - 2025, 2024 | Borrower - Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024"] - 2025, 2024 | xxx | xxx | XXXX | xxx | xxx | 12/09/2025 | 12/09/2025 |  |  |  | 716 |  |  |  |  |  |  |  |  | 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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | xxx | 19.3 | xxx | 19.3 | No | xxx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 88221 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | V5.7 | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 25835 | 02/09/2026 | 6.130% |  |  | No | 6.536% |  | 6.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 14.34% | 14.34% | 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% | 85.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 193 | 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 - ["2026","2025"] - 2026, 2025 | Borrower - ["2026","2025"] - 2026, 2025 | xxx | xxx | XXXX | xxx | xxx | 02/10/2026 | 02/10/2026 |  |  |  | 731 |  |  |  |  |  |  |  |  | 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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | xxx | 13.7 | xxx | 13.7 | No | xxx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 88226 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | v5.7 | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 17835 | 02/23/2026 | 5.990% |  |  | No | 6.668% |  | 6.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | $0.00 | N/A | xxx | CA | xxx | xxx | Monthly | 0.00% | 39.69% | 39.69% | No | No |  |  |  |  |  |  | Self-Employed | Unknown |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA |  | No | Yes | 60 | No | Yes | Yes | 0 | 12 | No |  | 0 | 0 | 10.04% | 100.00% |  | Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A |  |  | 0 | NA | 0 | No | 0 | NA | 0 | 0 | N/A |  | 0 | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Asset Depletion - Business Bank Statements Verified - ["2025","2026"] - 2025, 2026 | Borrower - ["2025","2026"] - 2025, 2026 | xxx | xxx | XXXX | xxx | xxx | 02/17/2026 | 02/17/2026 | 02/17/2026 |  |  | 766 |  |  |  |  |  |  |  |  | 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 | 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 | 12.1 | xxx | 12.1 | No | xxx | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | xxx | xxx |  |  |
| xxx | 88204 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | V5.7 | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 8835 | 02/02/2026 | 6.100% |  |  | No | 6.386% |  | 6.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 40.08% | 40.08% | 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 | 74 | 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 | XXXX | xxx | xxx | 01/20/2026 | 01/20/2026 |  |  |  | 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 | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | xxx | 11.4 | xxx | 11.4 | No | xxx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 88217 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | V5.7 | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 17830 | 02/23/2026 | 5.990% |  |  | No | 6.647% |  | 6.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 37.19% | 37.19% | 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 |  |  |  | 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","2026"] - 2024, 2025, 2026 | Borrower - ["2024","2025","2026"] - 2024, 2025, 2026 | xxx | xxx | XXXX | xxx | xxx | 01/26/2026 | 01/26/2026 |  |  |  | 736 |  |  |  |  |  |  |  |  | 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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xxx | 11.6 | No | xxx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 88212 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | v5.7 | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 6985 | 02/16/2026 | 6.100% |  |  | No | 6.737% |  | 6.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | $0.00 | N/A | xxx | FL | xxx | xxx | Monthly | 0.00% | 25.95% | 25.95% | 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 |  |  |  | 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 | xxx | xxx | XXXX | xxx | xxx | 02/03/2026 | 02/03/2026 |  |  |  | 798 |  |  |  |  |  |  |  |  | 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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xxx | 110.5 | No | xxx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 88187 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | V1 | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 49652 | 02/02/2026 | 6.100% |  |  | No | 8.330% |  | 8.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | $0.00 | N/A | xxx | FL | xxx | xxx | Monthly | 0.00% | 46.31% | 46.31% | 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","2026"] - 2025, 2026 | Borrower - ["2025","2026"] - 2025, 2026 | xxx | xxx | XXXX | xxx | xxx | 12/29/2025 | 12/29/2025 |  |  |  | 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 |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xxx | 14.5 | No | xxx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 88197 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | v5.7 | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 21672.44 | 01/12/2026 | 6.170% |  |  | No | 6.426% |  | 6.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | $0.00 | N/A | xxx | NV | xxx | xxx | Monthly | 0.00% | 47.54% | 47.54% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA |  | No | Yes | 60 | No | Yes | Yes | 3 | 12 | No |  |  |  | 65.42% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Asset Depletion, Other REO Net Rental Income(Loss) - Personal Bank Statements Verified, Business Bank Statements Verified - ["2025","2026"] - 2025, 2026 | Borrower - ["2025","2026"] - 2025, 2026 | xxx | xxx | XXXX | xxx | xxx | 01/14/2026 | 01/14/2026 |  |  |  | 760 |  |  |  |  |  |  |  |  | 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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xxx | 51.5 | No | xxx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 88202 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | v5.7 | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.740% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | $0.00 | N/A | xxx | HI | xxx | xxx | Monthly | 0.00% | 40.71% | 40.71% | 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 |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | No | Borrower - SESoleProprietor, SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2026","2025"] - 2026, 2025 | Borrower - ["2026","2025"] - 2026, 2025 | xxx | xxx | XXXX | xxx | xxx | 12/29/2025 | 12/29/2025 |  |  |  | 766 |  |  |  |  |  |  |  |  | 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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xxx | 37 | No | xxx | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| xxx | 88205 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | V5.7 | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 21741.25 | 02/16/2026 | 6.100% |  |  | No | 6.228% |  | 6.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 3.57% | 3.57% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 NA |  | No | No | 0 | No | Yes | Yes | 0 | 24 | No |  |  |  | 100.00% | 60.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership - CPA Letter Verified, Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | xxx | xxx | XXXX | xxx | xxx | 01/26/2026 | 01/26/2026 |  |  |  | 780 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | xxx | 71.2 | xxx | 71.2 | No | xxx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 88229 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | V5.7 | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.740% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | $0.00 | N/A | xxx | CA | xxx | xxx | Monthly | 0.00% | 48.18% | 48.18% | 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 |  |  |  | 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"] - 2025 | Borrower - ["2025"] - 2025 | xxx | xxx | XXXX | xxx | xxx | 02/17/2026 | 02/17/2026 |  |  |  | 748 |  |  |  |  |  |  |  |  | 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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | xxx | 25 | xxx | 25 | No | xxx | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | xxx |  |  |  |
| xxx | 88233 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | V4 | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 35.47% | 35.47% | Yes |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | Asset Depletion – Debt Ratio Calculation | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA |  | Yes | 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 - Asset Depletion, Subject Property Net Rental Income(Loss) if NOO - ["2025"] - 2025 | Borrower - ["2025"] - 2025 | xxx | xxx | XXXX | xxx | xxx | 02/18/2026 | 02/18/2026 |  |  |  | 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 | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | xxx | 294.5 | xxx | 294.5 | No | xxx | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| xxx | 87828 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | 5.3 | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | 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 | 1.061 | 1.061 | 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 | XXXX | xxx | xxx | 03/13/2026 | 03/13/2026 |  |  |  | 789 |  |  |  |  |  |  |  |  | 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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | xxx | 10.4 | No | xxx | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 88210 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | V5.7 | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 27835 | 02/23/2026 | 5.990% |  |  | No | 6.522% |  | 6.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | $0.00 | N/A | xxx | CA | xxx | xxx | Annually | 0.00% | 44.08% | 44.08% | No | No |  |  |  |  |  |  | Self-Employed | Unknown |  |  |  |  | 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 | 24 | 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","2026"] - 2025, 2026 \|\| Co Borrower - N/A - [] | Borrower - ["2025","2026"] - 2025, 2026 \|\| Co Borrower - [] | xxx | xxx | XXXX | xxx | xxx | 02/02/2026 | 02/02/2026 | 02/02/2026 |  |  | 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 |  | 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 | .00 | 0 | xxx | 24.7 | No | xxx | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | xxx | xxx |  |  |
| xxx | 88227 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | V4 | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 7760 | 02/23/2026 | 5.990% |  |  | No | 6.198% |  | 6.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 33.11% | 33.11% | Yes |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | Asset Depletion – Debt Ratio Calculation | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA |  | Yes | No | 60 | No | Yes | Yes | 6 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Asset Depletion, Other REO Net Rental Income(Loss) - Personal Bank Statements Verified - ["2025"] - 2025 | Borrower - ["2025"] - 2025 | xxx | xxx | XXXX | xxx | xxx | 03/17/2026 | 03/17/2026 |  |  |  | 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 | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | xxx | 832.1 | xxx | 833.5 | No | xxx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 88577 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | 5.3 | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | 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 | 2.095 | 2.095 | 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 | XXXX | xxx | xxx | 02/05/2026 | 02/05/2026 |  |  |  | 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 |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | xxx | 17.8 | xxx | 17.8 | No | xxx | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | xxx |  |  |  |
| xxx | 88216 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | V5.7 | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 9935 | 02/23/2026 | 5.990% |  |  | No | 7.035% |  | 6.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 35.03% | 35.03% | 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 | Yes | 24 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2025"] - 2025 \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2025"] - 2025 | Borrower - ["2025"] - 2025 \|\| Co Borrower - ["2025"] - 2025 | xxx | xxx | XXXX | xxx | xxx | 01/07/2026 | 01/07/2026 | 01/07/2026 |  |  | 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 | 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 | 12.9 | xxx | 12.9 | No | xxx | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| xxx | 88582 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | v4 | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 11997.5 | 02/23/2026 | 5.990% |  |  | No | 6.084% |  | 6.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 23.48% | 23.48% | No | No |  |  |  |  |  |  | Employed | Not Employed |  |  |  |  | Asset Depletion – Debt Ratio Calculation | 2 | 0 | 1 Month | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 3 | 2 NA | NA | Yes | Yes | 60 | No | No | Yes | 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 |  | N/A | Borrower - Wage, Asset Depletion, 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","2026"] - 2025, 2024, 2026 \|\| Co Borrower | Borrower - 3 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2025","2024","2026"] - 2025, 2024, 2026 \|\| Co Borrower | xxx | xxx | XXXX | xxx | xxx | 02/02/2026 | 02/02/2026 | 02/02/2026 |  |  | 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 | 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 | 350.4 | xxx | 350.4 | No | xxx | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | xxx | xxx |  |  |
| xxx | 88587 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | 5.3 | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx |  | N/A | xxx | CA | 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% |  | Stocks/Bonds |  | 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 | XXXX | xxx | xxx | 01/28/2026 | 01/28/2026 |  |  |  | 798 |  |  |  |  |  |  |  |  | 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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | xxx | 79.4 | xxx | 79.4 | No | xxx | Yes | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| xxx | 88591 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | v5.7 | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 17810 | 02/16/2026 | 6.100% |  |  | No | 6.554% |  | 6.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 33.75% | 33.75% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 2YR 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% | 50.00% | 50.00% |  | Third-Party Prepared (Unaudited) | 26 | Tax Preparer | Third-Party Prepared (Unaudited) | Tax Preparer | 26 | Yes | 410 | Yes | 10 | 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, YTD Profit And Loss Verified - ["2025","2026","2024"] - 2025, 2026, 2024 \|\| Co Borrower - SEPartnership - CPA Letter Verified, YTD Profit And Loss Verified - ["2024","2025","2026"] - 2024, 2025, 2026 | Borrower - ["2025","2026","2024"] - 2025, 2026, 2024 \|\| Co Borrower - ["2024","2025","2026"] - 2024, 2025, 2026 | xxx | xxx | XXXX | xxx | xxx | 02/19/2026 | 02/19/2026 | 02/19/2026 |  |  | 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 |  | 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 | 30.6 | xxx | 30.6 | No | xxx | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| xxx | 88616 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | V1 | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 32230 | 03/09/2026 | 6.020% |  |  | No | 6.954% |  | 6.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx | N/A |  |  | $0.00 |  |  | 0.00% | 35.29% | 35.29% | 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 |  |  |  | Yes | 180 | 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","2026"] - 2025, 2024, 2026 | Borrower - ["2025","2024","2026"] - 2025, 2024, 2026 | xxx | xxx | XXXX | xxx | xxx | 02/05/2026 | 02/05/2026 |  |  |  | 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 | Standard Driver's License - Not for federal use |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xxx | 33.7 | No | xxx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 88574 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | 5.3 | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | 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 | 1.495 | 1.495 | 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 | XXXX | xxx | xxx | 01/21/2026 | 01/21/2026 |  |  |  | 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 | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | .00 | 0 | xxx | 26.7 | No | xxx | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| xxx | 88218 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | V5.7 | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 22135 | 02/23/2026 | 5.990% |  |  | No | 6.453% |  | 6.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | $0.00 | N/A | xxx | CA | xxx | xxx | Monthly | 0.00% | 39.29% | 39.29% | 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% | 50.00% | 50.00% |  | Audited | 13 | CPA | Audited | CPA | 13 | Yes | 171 | Yes | 171 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2026"] - 2025, 2026 \|\| Co Borrower - SEPartnership - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2026"] - 2025, 2026 | Borrower - ["2025","2026"] - 2025, 2026 \|\| Co Borrower - ["2025","2026"] - 2025, 2026 | xxx | xxx | XXXX | xxx | xxx | 02/10/2026 | 02/10/2026 | 02/10/2026 |  |  | 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 | 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 | .00 | 0 | xxx | 17.2 | No | xxx | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| xxx | 88585 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | V4 | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 13010 | 02/23/2026 | 5.990% |  |  | No | 6.301% |  | 6.125% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | $0.00 | N/A | xxx | MT | xxx | xxx | Annually | 0.00% | 44.69% | 44.69% | No |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | 1YR Full Doc | 0 |  | NA |  | N/A | 0 |  |  | 1 | 0 |  |  | 1 | 1 NA |  | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Other, Other - 1 YR Personal Tax Returns Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025","2026"] - 2025, 2026 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2025","2026"] - 2025, 2026 | xxx | xxx | XXXX | xxx | xxx | 01/08/2026 | 01/08/2026 |  |  |  | 812 |  |  |  |  |  |  |  |  | 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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | xxx | 7.5 | xxx | 7.5 | No | xxx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 88220 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | V4 | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | Yes | xxx | HI | xxx | xxx | Monthly | 0.00% | 27.49% | 27.49% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 3 | 3 NA | NA | No | Yes | 60 | No | Yes | Yes | 3 | 0 | Yes | Yes | 3 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 13 | 14 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO, Asset Depletion - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, Written VOE Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified, Personal Bank Statements Verified, 1040 Schedule E Verified - ["2026","2025"] - 2026, 2025 \|\| Co Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified, Personal Bank Statements Verified, 1040 Schedule E Verified - ["2026","2025","2024"] - 2026, 2025, 2024 | Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2026","2025"] - 2026, 2025 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, 3 YRS Executed 4506T Verified, 3 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2026","2025","2024"] - 2026, 2025, 2024 | xxx | xxx | XXXX | xxx | xxx | 02/13/2026 | 02/13/2026 | 02/13/2026 |  |  | 771 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | Closed End |  |  |  |  |  | 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 | 92.6 | xxx | 92.6 | No | xxx | Yes | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| xxx | 88225 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | V5.7 | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 23636.89 | 02/23/2026 | 5.990% |  |  | No | 6.884% |  | 6.740% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 17.67% | 17.67% | 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) | 14 | Tax Preparer |  |  |  | Yes | 325 | 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"] - 2025, 2026 | Borrower - ["2025","2026"] - 2025, 2026 | xxx | xxx | XXXX | xxx | xxx | 02/17/2026 | 02/17/2026 |  |  |  | 774 |  |  |  |  |  |  |  |  | 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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xxx | 91.3 | No | xxx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 88603 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | V4 | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | $0.00 | Yes | xxx | CA | xxx | xxx | Monthly | 0.00% | 46.72% | 46.72% | Yes | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 1 Month | 1 Month | N/A | 0 | N/A | 0 | 2 | 0 | 2 | 0 | 1 | 2 NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | Proceeds from Sale | 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), Subject Property Net Rental Income(Loss) if NOO, Overtime - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified, 1040 Schedule E Verified - ["2024","2025","2026"] - 2024, 2025, 2026 \|\| Co Borrower - Wage - 2 YRS Personal Tax Returns Verified, 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Executed 4506T Verified, 2 YRS IRS Transcripts 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 \|\| Co 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 | XXXX | xxx | xxx | 02/24/2026 | 02/24/2026 | 02/24/2026 |  |  | 791 |  |  |  |  |  |  |  |  | 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 | 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 | 230.7 | xxx | 230.7 | No | xxx | No | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| xxx | 88581 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | V5.7 | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 22835 | 03/09/2026 | 6.020% |  |  | No | 6.455% |  | 6.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx |  | Yes | xxx | FL | xxx | xxx | Monthly | 0.00% | 28.84% | 28.84% | 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 | 240 | 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","2026"] - 2025, 2026 | Borrower - ["2025","2026"] - 2025, 2026 | xxx | xxx | XXXX | xxx | xxx | 02/02/2026 | 02/02/2026 |  |  |  | 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 |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | xxx | 88.8 | xxx | 88.8 | No | xxx | No | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 88223 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | V | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 81522.5 | 02/16/2026 | 6.100% |  |  | No | 6.882% |  | 6.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 46.59% | 46.59% | 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% | 25.00% |  |  | 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 - ["2026","2025","2024"] - 2026, 2025, 2024 | Borrower - ["2026","2025","2024"] - 2026, 2025, 2024 | xxx | xxx | XXXX | xxx | xxx | 02/13/2026 | 02/13/2026 |  |  |  | 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 | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | xxx | 61.1 | xxx | 61.1 | No | xxx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 88593 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | V4 | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 15.77% | 15.77% | Yes |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | Asset Depletion – Total Asset Calculation | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA |  | Yes | No | 60 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Asset Depletion, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - ["2025","2026"] - 2025, 2026 | Borrower - ["2025","2026"] - 2025, 2026 | xxx | xxx | XXXX | xxx | xxx | 02/18/2026 | 02/18/2026 |  |  |  | 789 |  |  |  |  |  |  |  |  | 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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | xxx | 814.9 | xxx | 814.9 | No | xxx | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 88598 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | V | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 14235 | 02/23/2026 | 5.990% |  |  | No | 6.503% |  | 6.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 41.59% | 41.59% | 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 | 193 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership - CPA Letter Verified, YTD Profit And Loss Verified - ["2025"] - 2025 | Borrower - ["2025"] - 2025 | xxx | xxx | XXXX | xxx | xxx | 02/20/2026 | 02/20/2026 |  |  |  | 750 |  |  |  |  |  |  |  |  | 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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xxx | 126.5 | No | xxx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 88601 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | v5.7 | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 13835 | 03/16/2026 | 6.120% |  |  | No | 7.093% |  | 6.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 35.79% | 35.79% | 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 | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 50.00% | 50.00% | Proceeds from Sale | Third-Party Prepared (Unaudited) | 14 | Tax Preparer | Third-Party Prepared (Unaudited) | Tax Preparer | 14 | Yes | 61 | Yes | 61 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2026"] - 2025, 2026 \|\| Co Borrower - SEPartnership - CPA Letter Verified, YTD Profit And Loss Verified - ["2025","2026"] - 2025, 2026 | Borrower - ["2025","2026"] - 2025, 2026 \|\| Co Borrower - ["2025","2026"] - 2025, 2026 | xxx | xxx | XXXX | xxx | xxx | 02/20/2026 | 02/20/2026 | 02/20/2026 |  |  | 704 |  |  |  |  |  |  |  |  | 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 | 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 | 157.4 | xxx | 157.4 | No | xxx | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| xxx | 88604 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | v5.7 | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 28138.21 | 03/02/2026 | 5.980% |  |  | No | 6.073% |  | 5.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | $0.00 | Yes | xxx | CA | xxx | xxx | Monthly | 0.00% | 28.34% | 28.34% | 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% | 62.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 120 | 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 - ["2026","2025","2024"] - 2026, 2025, 2024 | Borrower - ["2026","2025","2024"] - 2026, 2025, 2024 | xxx | xxx | XXXX | xxx | xxx | 02/23/2026 | 02/23/2026 |  |  |  | 778 |  |  |  |  |  |  |  |  | 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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | xxx | 12.7 | xxx | 12.7 | No | xxx | No | No | No | No | Borrower As Individual | N/A | N/A | N/A | xxx |  |  |  |
| xxx | 88608 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | v4 | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 23085 | 02/23/2026 | 5.990% |  |  | No | 6.455% |  | 6.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 46.86% | 46.86% | No |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | Asset Depletion – Debt Ratio Calculation | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 0 NA |  | Yes | No | 60 | No | Yes | Yes | 12 | 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 - Executed 4506T Verified, Personal Bank Statements Verified - ["2026","2025"] - 2026, 2025 | Borrower - Executed 4506T Verified - ["2026","2025"] - 2026, 2025 | xxx | xxx | XXXX | xxx | xxx | 02/18/2026 | 02/18/2026 |  |  |  | 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 | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | xxx | 154.2 | No | xxx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | xxx |  |  |  |
| xxx | 88297 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | v4 | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 18335 | 02/23/2026 | 5.990% |  |  | No | 6.210% |  | 6.125% |  | xxx | Yes | 6.125% | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | $0.00 | N/A | xxx | CA | xxx | xxx | Monthly | 0.00% | 39.96% | 39.96% | No |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | Asset Depletion – Total Asset Calculation | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA |  | Yes | 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 - Asset Depletion - ["2025","2026"] - 2025, 2026 | Borrower - ["2025","2026"] - 2025, 2026 | xxx | xxx | XXXX | xxx | xxx | 02/26/2026 | 02/26/2026 |  |  |  | 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 |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | xxx | 242.9 | xxx | 391.5 | No | xxx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | xxx |  |  |  |
| xxx | 88299 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | v5.7 | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 15930 | 02/23/2026 | 5.990% |  |  | No | 6.698% |  | 6.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | Yes | xxx | CA | xxx | xxx | Monthly | 0.00% | 18.61% | 18.61% | Yes | 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% | Proceeds from Sale | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 38 | 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, Business Bank Statements Verified - ["2025","2026"] - 2025, 2026 \|\| Co Borrower - N/A | Borrower - ["2025","2026"] - 2025, 2026 \|\| Co Borrower | xxx | xxx | XXXX | xxx | xxx | 02/27/2026 | 02/27/2026 | 02/27/2026 |  |  | 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 |  | 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 | 107.2 | xxx | 107.2 | No | xxx | Yes | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| xxx | 88365 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | 5.3 | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | $0.00 | Yes | xxx | FL | 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 | 1.153 | 1.153 | 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 | XXXX | xxx | xxx | 02/03/2026 | 02/03/2026 |  |  |  | 752 |  |  |  |  |  |  |  |  | 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 |  | xxx | xxx | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | xxx | 81.7 | xxx | 81.7 | No | xxx | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 88679 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | v5.7 | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 10530 | 03/23/2026 | 6.220% |  |  | No | 6.652% |  | 6.625% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 29.70% | 29.70% | 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 | 130 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | Yes | Borrower - SESoleProprietor - CPA Letter Verified, Business Bank Statements Verified - ["2026","2025"] - 2026, 2025 | Borrower - ["2026","2025"] - 2026, 2025 | xxx | xxx | XXXX | xxx | xxx | 03/14/2026 | 03/14/2026 |  |  |  | 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 |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | xxx | 14.8 | xxx | 14.8 | No | xxx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 88198 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | v5.7 | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 53385.34 | 02/23/2026 | 5.990% |  |  | No | 6.193% |  | 6.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | $0.00 | N/A | xxx | NV | xxx | xxx | Monthly | 0.00% | 32.45% | 32.45% | 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% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 48 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified - ["2025"] - 2025 | Borrower - ["2025"] - 2025 | xxx | xxx | XXXX | xxx | xxx | 01/15/2026 | 01/15/2026 |  |  |  | 731 |  |  |  |  |  |  |  |  | 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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | xxx | 9.7 | xxx | 9.7 | No | xxx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 88575 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | V5.7 | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 13922.5 | 02/09/2026 | 6.130% |  |  | No | 6.144% |  | 6.000% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | $0.00 | N/A | xxx | FL | xxx | xxx | Annually | 0.00% | 41.74% | 41.74% | 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% | 50.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 39 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified - ["2025"] - 2025 | Borrower - ["2025"] - 2025 | xxx | xxx | XXXX | xxx | xxx | 01/28/2026 | 01/28/2026 |  |  |  | 722 |  |  |  |  |  |  |  |  | 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 |  | xxx | xxx | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | xxx | 9.3 | xxx | 9.4 | No | xxx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| xxx | 88607 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | 5.3 | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.375% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | 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 | 1.242 | 1.117 | 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 | XXXX | xxx | xxx | 02/25/2026 | 02/25/2026 |  |  |  | 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 |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | xxx | 229.6 | xxx | 229.7 | No | xxx | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | xxx |  |  |  |
| xxx | 88298 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | V5.7 | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 15497.5 | 02/23/2026 | 5.990% |  |  | No | 6.733% |  | 6.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 7.63% | 7.63% | 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 |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | Yes | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2025","2026"] - 2025, 2026 | Borrower - ["2025","2026"] - 2025, 2026 | xxx | xxx | XXXX | xxx | xxx | 02/26/2026 | 02/26/2026 |  |  |  | 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 | Real ID Driver's License |  | xxx | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | xxx | 172.5 | xxx | 172.5 | No | xxx | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | xxx |  |  |  |
| xxx | 88621 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | V4 | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 13435 | 03/16/2026 | 6.120% |  |  | No | 6.634% |  | 6.500% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 41.24% | 41.24% | 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 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 | 6 | 6 | Work Number | Yes | 23 | 23 | FNMA 1005 | No | 0 |  | N/A | Borrower - Wage, Commission - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified - ["2025","2026","2024"] - 2025, 2026, 2024 \|\| Co Borrower - Wage, Bonus - 2 YRS W2 1099 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified - ["2025","2026","2024"] - 2025, 2026, 2024 | Borrower - Executed 4506T Verified - ["2025","2026","2024"] - 2025, 2026, 2024 \|\| Co Borrower - Executed 4506T Verified - ["2025","2026","2024"] - 2025, 2026, 2024 | xxx | xxx | XXXX | xxx | xxx | 03/16/2026 | 03/16/2026 | 03/16/2026 |  |  | 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 |  | 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 | 6.2 | xxx | 6.2 | No | xxx | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| xxx | 88190 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | V5.7 | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 28667 | 02/23/2026 | 5.990% |  |  | No | 6.389% |  | 6.250% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx |  | N/A |  |  | $0.00 |  |  | 0.00% | 31.46% | 31.46% | 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% | 33.00% | 0.00% | Proceeds from Sale | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SEPartnership - CPA Letter Verified, Business Bank Statements Verified - ["2025","2026"] - 2025, 2026 \|\| Co Borrower - N/A | Borrower - ["2025","2026"] - 2025, 2026 \|\| Co Borrower | xxx | xxx | XXXX | xxx | xxx | 03/02/2026 | 03/02/2026 | 03/02/2026 |  |  | 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 |  | 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 | 29.2 | xxx | 29.2 | No | xxx | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| xxx | 88573 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | V4 | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.375% |  | xxx | Yes | 6.375% | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 17.55% | 17.55% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 0 |  | 2+ Months |  | N/A | 0 |  |  | 2 | 0 |  |  | 2 | 2 NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - 2 YRS Personal Tax Returns Verified, 2+ Months Paystubs Verified, 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts 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 - ["2023","2024","2025","2026"] - 2023, 2024, 2025, 2026 | xxx | xxx | XXXX | xxx | xxx | 03/19/2026 | 03/19/2026 |  |  |  | 792 |  |  |  |  |  |  |  |  | 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 | xxx | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No |  | N/A | xxx | 102.9 | xxx | 102.9 | No | xxx | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| xxx | 88230 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | v4 | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.875% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | $0.00 | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes | 4 - Verified 2+ Mos |  | 1 - Not Stated, Not Verified |  | 1 - Not Stated, Not Verified |  | Not Employed | Not Employed | Not Employed |  | .00 |  | Asset Utilization (No DTI) | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | NA | No | No | 60 | Yes | 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 - [] \|\| Co Borrower - Asset Depletion - ["2025","2026"] - 2025, 2026 \|\| Co Borrower 2 - Asset Depletion - ["2025","2026"] - 2025, 2026 | Borrower - [] \|\| Co Borrower - ["2025","2026"] - 2025, 2026 \|\| Co Borrower 2 - ["2025","2026"] - 2025, 2026 | xxx | xxx | XXXX | xxx | xxx | 02/10/2026 | 02/10/2026 | 01/07/2026 | 01/07/2026 |  | 703 | 696 | 748 | 726 |  |  |  | 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 | Passport |  | xxx | xxx | 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 | Unknown | N/A | xxx | 421.5 | xxx | 421.5 | No | xxx | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | Borrower As Individual | N/A |  |  |  |  |
| xxx | 88295 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | v1 | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 9430 | 02/23/2026 | 5.990% |  |  | No | 6.986% |  | 6.750% |  | xxx | No |  | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx | N/A |  |  | $0.00 |  |  | 0.00% | 42.92% | 42.92% | 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 | 2 NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 0.00% |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | Yes | 109 | 25 | FNMA 1005 | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss 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, 2 YRS IRS Transcripts Verified - ["2026","2025","2024"] - 2026, 2025, 2024 | Borrower - ["2026","2025"] - 2026, 2025 \|\| Co Borrower - 2 YRS Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2026","2025","2024"] - 2026, 2025, 2024 | xxx | xxx | XXXX | xxx | xxx | 01/15/2026 | 01/15/2026 | 01/15/2026 |  |  | 765 |  |  |  |  |  |  |  |  | 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 | 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 | .00 | 0 | xxx | 20.9 | No | xxx | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| xxx | 88215 |  |  | xxx | xxx | xxx | No | xxx | xxx | xxx | V4 | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | 14941.65 | 02/23/2026 | 5.990% |  |  | No | 6.950% |  | 6.740% |  | xxx | No |  | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | $0.00 | Yes | xxx | CA | xxx | xxx | Monthly | 0.00% | 0.00% | 0.00% | No | No |  |  |  |  |  |  | Not Employed | Not Employed |  |  |  |  | Asset Utilization (No DTI) | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | NA | No | No | 60 | Yes | Yes | Yes | 0 | 6 | 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 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Asset Depletion - Business Bank Statements Verified - ["2026","2025"] - 2026, 2025 \|\| Co Borrower - N/A | Borrower - ["2026","2025"] - 2026, 2025 \|\| Co Borrower | xxx | xxx | XXXX | xxx | xxx | 01/19/2026 | 01/19/2026 | 01/19/2026 |  |  | 746 |  |  |  |  |  |  |  |  | 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 |  | xxx | xxx | xxx |  |  | I-551 Permanent Resident Card |  | xxx | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | xxx | xxx | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | xxx | 12.7 | xxx | 12.7 | No | xxx | Yes | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |

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## Exhibit 99.09

[MFA 2026-NQM2 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.09 - Schedule 8**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan ID** | **Redacted ID** | **Seller Loan ID** | **Investor Loan ID** | **Seller Name** | **Loan Program** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Actual Short Term Rent Amount** | **Actual Short Term Rent Source** | **Short Term Rent Number of Months** | **Short Term Rental Occupancy Factor** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DSCR Calculation** | **DSCR Calculation Based On Short Rental Income Flag** | **Property DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Gross Rental Income Unit 1** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Gross Rental Income Unit 2** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Gross Rental Income Unit 3** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Gross Rental Income Unit 4** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Gross Rental Income Unit 5** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Gross Rental Income Unit 6** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Gross Rental Income Unit 7** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Gross Rental Income Unit 8+** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage/Cross Collateral Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties Securing Loan** | **Foreign National Alternative Credit Documentation** | **Months Reserves** | **Loan Closed in the name of Business Entity** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** | **Personal Guaranty Recourse Level** | **Business Entity EIN** |
| xxx | 87421 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | Yes | xxx | xxx | Appraisal - 1025 |  | N/A |  |  | xxx | Actual In Place Rent | No | 49.96 | 2.002 | 2.002 | xxx | xxx | xxx | 12 | xxx | xxx | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 2.5 | 1 | 1 | N/A | 92.47 | Yes | xxx | Corporation | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  | xxx |
| xxx | 87738 |  |  | xxx | xxx | 1YR Business P&L | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 |  |  |  |  |  |  |  |  | No | 22.6 | 1 | 1 | N/A | 53.97 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| xxx | 87742 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | No | 0 | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 117.76 | 0.86 | 0.849 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 15.7 | 1 | 1 | N/A | 75.95 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| xxx | 87744 |  |  | xxx | xxx | 12 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 |  |  |  |  |  |  |  |  | No | 1.2 | 1 | 1 | N/A | 25.74 | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |  | xxx |
| xxx | 87746 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | No | 0 | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 131.63 | 0.76 | 0.76 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 1.8 | 1 | 1 | N/A | 182.99 | No |  |  | Vested Individual | xxx | xxx | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| xxx | 87747 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | No | 0 | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 93.8 | 1.066 | 1.066 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 0 | 1 | 1 | N/A | 358.55 | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  | xxx |
| xxx | 87748 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | Yes | xxx | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Actual In Place Rent | No | 85.82 | 1.013 | 1.188 | xxx | xxx | xxx | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 2.6 | 1 | 1 | N/A | 9.63 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| xxx | 87761 |  |  | xxx | xxx | Asset Utilization (No DTI) | Present | Yes |  |  |  |  |  |  |  |  |  | No |  |  | 0 | xxx | xxx | xxx | 12 | 0 | xxx | 0 | xxx | xxx | 12 | 0 | xxx | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 444.36 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| xxx | 87816 |  |  | xxx | xxx | 12 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 |  |  |  |  |  |  |  |  | No | 1.6 | 1 | 1 | N/A | 116.13 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| xxx | 87818 |  |  | xxx | xxx | 2YR Full Doc | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 88.09 | No |  |  | Vested Individual | xxx | xxx | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| xxx | 87821 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | Yes | xxx | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 129.16 | 0.774 | 0.774 | xxx | xxx | xxx | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | xxx |  |  |  |  |  |  |  | No | 9.2 | 1 | 1 | N/A | 58.55 | No |  |  | Vested Individual | xxx | xxx | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| xxx | 87830 |  |  | xxx | xxx | 1YR Business P&L | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 |  |  |  |  |  |  |  |  | No | 2.2 | 1 | 1 | N/A | 102.53 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| xxx | 87831 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | No | 0 | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 114.92 | 0.87 | 0.87 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 0 | 1 | 1 | N/A | 69.08 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| xxx | 87832 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | Yes | xxx | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Actual In Place Rent | No | 164.65 | 0.607 | 0.607 | xxx | xxx | xxx | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 3.4 | 1 | 1 | N/A | 42.5 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| xxx | 87834 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | Yes | xxx | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Actual In Place Rent | No | 103.53 | 0.966 | 0.966 | xxx | xxx | xxx | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 4.8 | 1 | 1 | N/A | 23.32 | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  | xxx |
| xxx | 87836 |  |  | xxx | xxx | 2YR Full Doc | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 |  |  |  |  |  |  |  |  | No | 1.3 | 1 | 1 | N/A | 138.15 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| xxx | 87837 |  |  | xxx | xxx | 12 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 |  |  |  |  |  |  |  |  | No | 2.5 | 2 | 1 | N/A | 53.31 | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  | xxx |
| xxx | 87843 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | No | 0 | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 92.54 | 1.081 | 1.081 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 0 | 1 | 1 | N/A | 23.64 | No |  |  | Vested Individual | xxx | xxx | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| xxx | 87844 |  |  | xxx | xxx | 2YR Full Doc | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | xxx | 0 |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 198.42 | Yes | xxx | Limited Liability Corporation (LLC) | Business Entity | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | xxx |
| xxx | 87845 |  |  | xxx | xxx | 12 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 |  |  |  |  |  |  |  |  | No | 5 | 8 | 1 | N/A | 146.55 | Yes | xxx | Limited Liability Corporation (LLC) | Business Entity | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | xxx |
| xxx | 87847 |  |  | xxx | xxx | 12 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 |  |  |  |  |  |  |  |  | No | 15.5 | 1 | 1 | N/A | 36.31 | Yes | xxx | Corporation | Business Entity | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | xxx |
| xxx | 87848 |  |  | xxx | xxx | 12 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 |  |  |  |  |  |  |  |  | No | 15.1 | 1 | 1 | N/A | 43.64 | Yes | xxx | Corporation | Business Entity | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | xxx |
| xxx | 87849 |  |  | xxx | xxx | 12 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 |  |  |  |  |  |  |  |  | No | 5 | 8 | 1 | N/A | 164.97 | Yes | xxx | Limited Liability Corporation (LLC) | Business Entity | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | xxx |
| xxx | 87850 |  |  | xxx | xxx | 12 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 |  |  |  |  |  |  |  |  | No | 15.7 | 8 | 1 | N/A | 192.9 | Yes | xxx | Limited Liability Corporation (LLC) | Business Entity | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | xxx |
| xxx | 87851 |  |  | xxx | xxx | 12 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 |  |  |  |  |  |  |  |  | No | 16 | 8 | 1 | N/A | 194.86 | Yes | xxx | Limited Liability Corporation (LLC) | Business Entity | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | xxx |
| xxx | 87861 |  |  | xxx | xxx | 12 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 |  |  |  |  |  |  |  |  | No | 0 | 2 | 1 | N/A | 28050.2 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| xxx | 87962 |  |  | xxx | xxx | 12 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | xxx | 0 |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 |  |  |  |  |  |  |  |  | No | 0.7 | 1 | 1 | N/A | 52.53 | Yes | xxx | Limited Liability Corporation (LLC) | Business Entity | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  | xxx |
| xxx | 88038 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | No | 0 | xxx | Appraisal - Narrative |  | N/A |  |  | xxx | Appraisal - Narrative | No | 120.46 | 0.789 | 0.83 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 11.2 | 1 | 1 | N/A | 68.65 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| xxx | 88041 |  |  | xxx | xxx | 2YR Full Doc | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 46.22 | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  | xxx |
| xxx | 88042 |  |  | xxx | xxx | 12 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 16.27 | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  | xxx |
| xxx | 88044 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | Yes | xxx | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 79.76 | 1.252 | 1.254 | xxx | xxx | xxx | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 8.4 | 1 | 1 | N/A | 134.37 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| xxx | 88045 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | Yes | xxx | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Actual In Place Rent | No | 93.94 | 1.064 | 1.064 | xxx | xxx | xxx | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 13.2 | 1 | 1 | N/A | 128.84 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| xxx | 88046 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | Yes | xxx | xxx | Appraisal - 1025 |  | N/A |  |  | xxx | Actual In Place Rent | No | 68.67 | 1.456 | 1.456 | xxx | xxx | xxx | 12 | xxx | xxx | 12 | xxx | xxx | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 0 | 1 | 1 | N/A | 71.53 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| xxx | 88048 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | No | 0 | xxx | Appraisal - 1025 |  | N/A |  |  | xxx | Appraisal - 1025 | No | 99.73 | 1.003 | 1.003 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 0 | 1 | 1 | N/A | 59.33 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| xxx | 88182 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | Yes | xxx | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Actual In Place Rent | No | 102.39 | 0.977 | 0.977 | xxx | xxx | xxx | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 13.8 | 1 | 1 | N/A | 9.95 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| xxx | 88186 |  |  | xxx | xxx | 1YR Business P&L | Present | Yes |  |  |  |  |  |  |  |  |  | No |  |  | 0 | xxx | xxx | xxx | 12 | xxx | xxx | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 |  |  |  |  |  |  |  |  | No | 6.1 | 2 | 1 | N/A | 32.85 | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 |  | xxx |
| xxx | 88201 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | No | 0 | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 78.94 | 1.267 | 1.267 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 0 | 1 | 1 | N/A | 36.85 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| xxx | 88206 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | No | 0 | xxx | Appraisal - 1007 | xxx | AirDNA | 12 |  | xxx | AirDNA | Yes | 74.6 | 1.34 | 1.341 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 0 | 1 | 1 | N/A | 10.69 | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  | xxx |
| xxx | 88209 |  |  | xxx | xxx | 12 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 |  |  |  |  |  |  |  |  | No | 3.8 | 2 | 1 | N/A | 15.76 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| xxx | 88202 |  |  | xxx | xxx | 12 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 |  |  |  |  |  |  |  |  | No | 3.1 | 1 | 1 | N/A | 36.95 | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  | xxx |
| xxx | 88229 |  |  | xxx | xxx | 12 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 24.99 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| xxx | 88233 |  |  | xxx | xxx | Asset Depletion – Debt Ratio Calculation | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 294.52 | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  | xxx |
| xxx | 87828 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | Yes | xxx | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 94.22 | 1.061 | 1.061 | xxx | xxx | xxx | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 2.9 | 1 | 1 | N/A | 10.38 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| xxx | 88577 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | No | 0 | xxx | Appraisal - 1007 | xxx | Airbnb | 12 |  | xxx | Airbnb | Yes | 47.72 | 2.095 | 2.095 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 1.6 | 1 | 1 | N/A | 17.84 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| xxx | 88587 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | No | 0 | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 99.79 | 1.002 | 1.002 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | xxx | 0 | 0 | 0 | 0 | 0 | 0 |  | No | 1.2 | 1 | 1 | N/A | 79.35 | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  | xxx |
| xxx | 88574 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | Yes | xxx | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Actual In Place Rent | No | 66.89 | 1.495 | 1.495 | xxx | xxx | xxx | 60 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 12.1 | 1 | 1 | N/A | 26.69 | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  | xxx |
| xxx | 88220 |  |  | xxx | xxx | 2YR Full Doc | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 92.57 | No |  |  | Vested Individual | xxx | xxx | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| xxx | 88603 |  |  | xxx | xxx | 2YR Full Doc | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 230.73 | No |  |  | Vested Individual | xxx | xxx | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| xxx | 88593 |  |  | xxx | xxx | Asset Depletion – Total Asset Calculation | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | xxx | 0 |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 |  |  |  |  |  |  |  |  | No | 2.7 | 1 | 1 | N/A | 814.86 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| xxx | 88365 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | No | 0 | xxx | Appraisal - 1007 | xxx | Other | 12 |  | xxx | Other | Yes | 86.76 | 1.153 | 1.153 | xxx | 0 |  | 0 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | xxx | 0 | 0 | 0 | 0 | 0 | 0 |  | No | 0 | 1 | 1 | N/A | 81.72 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| xxx | 88607 |  |  | xxx | xxx | Debt Service Coverage Ratio | Present | Yes | xxx | xxx | Appraisal - 1007 |  | N/A |  |  | xxx | Appraisal - 1007 | No | 80.54 | 1.117 | 1.242 | xxx | xxx | xxx | 12 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | xxx | 0 | 0 | 0 | 0 | 0 | 0 | No | No | 20.2 | 1 | 1 | N/A | 229.7 | No |  |  | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| xxx | 88573 |  |  | xxx | xxx | 2YR Full Doc | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 102.89 | Yes | xxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  | xxx |
| xxx | 88230 |  |  | xxx | xxx | Asset Utilization (No DTI) | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 |  |  |  |  |  |  |  |  | No | 0 | 1 | 1 | N/A | 421.49 | No |  |  | Vested Individual | xxx | xxx | Vested Individual | xxx | xxx | Vested Individual | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |

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## Exhibit 99.09

[MFA 2026-NQM2 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.09 - Schedule 9**

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|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redacted 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 | 86791 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | XXX | Second Home | Purchase | NA |  |  |
| xxx | 87421 |  | B A | Closed | FCRE1197 | 2026-01-14 08:17 | 2026-01-14 08:17 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Audited FICO of 650 is less than Guideline FICO of 660 FICO Exception for 650 FICO.<br> - Due Diligence Vendor-01/14/2026 |  | Waived-Audited FICO of 650 is less than Guideline FICO of 660 FICO Exception for 650 FICO.<br> - 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 - 5 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 92.47 Are Greater Than The Guideline Minimum Of 10 By Six (6) Or More Months<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of xxx Is Below The Guideline Maximum Of 65% By Ten Percent (10%) Or More | Spectrum DSCR >1.00<br> 30 Year Fixed<br> Investment C/O Refi<br> Rate: 6.500%<br> FICO: 650<br> LTV: xxx/ xxx<br> DSCR<br>Exception # 513 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | XXX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes |
| xxx | 87738 |  | B A | Closed | FCRE1437 | 2026-01-27 12:01 | 2026-01-27 12:03 | Waived | 2 - Non-Material B | Credit | Income | Income and Employment Do Not Meet Guidelines | Waived-Income and Employment Do Not Meet Guidelines - Exception required due to use of most recent 12-month P&L instead of 12 month Calendar year plus YTD for current year. - Due Diligence Vendor-02/02/2026 |  | Waived-Income and Employment Do Not Meet Guidelines - Exception required due to use of most recent 12-month P&L instead of 12 month Calendar year plus YTD for current year. - Due Diligence Vendor-02/02/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 725 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of xxx 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 53.97 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 30.03% 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 - 10 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 26.03 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 - 26.03 Years | \* LTV 10% below max<br> \* (Refi) 5+ years in the subject property ownership<br> \* Ancillary/rental income not used for qualifying<br> \* FICO 20+ points<br> \* 0x30x12+ Mortgage history<br> \* 5+ years established credit history<br> \* Reserves > minimum requirement |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | XXX | Investment | Refinance | Limited Cash Out < 2% or less than $5000 | Originator Pre-Close | Yes |
| xxx | 87739 |  | 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 | 87740 |  | C B A | Closed | FCRE1193 | 2026-01-27 07:44 | 2026-03-10 13:09 | Resolved | 1 - Information C A | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Resolved-03/10/2026: Resolved. Corrected income and business paysand/or less than 10 mos based on documentation provided the DTI is fine - Due Diligence Vendor-03/10/2026 <br> Ready for Review-With xxx/xxx/xxx/xxx/xxx and xxx excluded from DTI because business pays and/or less than 10 mos based on documentation provided the DTI is 48.137 with xxx income. PITIA xxx + xxx other debt = xxx / xxx = xxx. What difference in payments are you coming up with??? - Seller-03/09/2026 <br> Counter-03/09/2026: Counter. the new income calculation of xxx is less than the previous calculated income of xxx which would make the DTI 58.78. - Due Diligence Vendor-03/09/2026 <br> Ready for Review-Document Uploaded. Attached is corrected income worksheet, 1003 and 1008 correcting income and debt. Businesses are making payments to xxx/xxx/xxx/xxx/xxx and ALLY also xxx less than 10 mo remaining. Attached are also the bank statements showing business making creditor payments and revised exception approval to allow 5 mo for xxx in lieu of 6 mos. Please review all and clear condition. - Seller-03/06/2026 <br> Open-Audited DTI of 70.02% exceeds Guideline DTI of 50% Lender documented qualifying income at 100% ownership but CPA specifies 50% ownership . - Due Diligence Vendor-01/27/2026 | Ready for Review-With xxx/xxx/xxx/xxx/xxx and xxx excluded from DTI because business pays and/or less than 10 mos based on documentation provided the DTI is 48.137 with xxx income. PITIA xxx + xxx other debt = xxx / xxx = xxx. What difference in payments are you coming up with??? - Seller-03/09/2026 <br> Ready for Review-Document Uploaded. Attached is corrected income worksheet, 1003 and 1008 correcting income and debt. Businesses are making payments to xxx/xxx/xxx/xxx/xxx and ALLY also xxx less than 10 mo remaining. Attached are also the bank statements showing business making creditor payments and revised exception approval to allow 5 mo for xxx in lieu of 6 mos. Please review all and clear condition. - Seller-03/06/2026 | Resolved-03/10/2026: Resolved. Corrected income and business paysand/or less than 10 mos based on documentation provided the DTI is fine - Due Diligence Vendor-03/10/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 78.28 Are Greater Than The Guideline Minimum Of 5 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 - 17.16 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18.91 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.11 Years<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of xxx Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More |  | xxx - Exception Approval.pdf<br> xxx - Corrected 1008.pdf<br> xxx - Corrected 1003.pdf<br> xxx - Corrected income worksheet.pdf<br> xxx - Business Bank statements to verify business making creditor payments.pdf<br> xxx - Other Business Bank statements to verify business making creditor payments.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 | 87740 |  | C B A | Closed | FCRE1437 | 2026-01-27 07:20 | 2026-01-27 07:20 | Waived | 2 - Non-Material B | Credit | Income | Income and Employment Do Not Meet Guidelines | Waived-Income and Employment Do Not Meet Guidelines Exception required due to 8 reporting Overdraft Occurences within 12 months - Due Diligence Vendor-01/27/2026 |  | Waived-Income and Employment Do Not Meet Guidelines Exception required due to 8 reporting Overdraft Occurences within 12 months - Due Diligence Vendor-01/27/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 78.28 Are Greater Than The Guideline Minimum Of 5 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 - 17.16 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 18.91 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 7.11 Years<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of xxx Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More | LTV 10% below max<br> DTI 10% below max<br> (Refi) 5+ years in the subject property ownership<br> 5+ years on job/self-employed<br> 5+ years established credit history<br> Reserves > minimum requirement |  | 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 | 87741 |  | B A | Closed | FCRE1193 | 2026-01-23 13:45 | 2026-01-27 07:40 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited DTI Exceeds Guideline DTI | Waived-Audited DTI of 49.91% exceeds Guideline DTI of 45% Requesting DTI exception to 50% as max allowed for FTHB is 45% - Due Diligence Vendor-01/23/2026 |  | Waived-Audited DTI of 49.91% exceeds Guideline DTI of 45% Requesting DTI exception to 50% as max allowed for FTHB is 45% - Due Diligence Vendor-01/23/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 804 is Greater Than The Guideline Minimum Of 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 0.01<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 15 Years | 1) Established business 15 years<br> 2) VOR 0x03<br> 3) 11 months reserves with 6 required<br> 4) Fico 765 w/700 required |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | XXX | Primary Residence | Purchase | NA | Originator Pre-Close | Yes |
| xxx | 87742 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | XXX | Investment | Refinance | Cash Out - Other |  |  |
| xxx | 87743 |  | 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 | 87744 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | XXX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |
| xxx | 87745 |  | 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 | 87746 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | XXX | Investment | Refinance | Cash Out - Other |  |  |
| xxx | 87747 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | XXX | Investment | Purchase | NA |  |  |
| xxx | 87748 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | XXX | Investment | Refinance | Limited Cash Out - <1% of Loan Amount or $2000 |  |  |
| xxx | 87749 |  | 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 | 87750 |  | 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 | 87751 |  | 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 | 87761 |  | D A | Closed | FCRE1503 | 2026-02-09 13:41 | 2026-02-09 17:15 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Resolved - 02/09/2026 - Mortgage Statement received. - Due Diligence Vendor-02/09/2026 <br> Ready for Review-Document Uploaded. - Seller-02/09/2026 <br> Open-Mortgage statement for property # xxx , xxx<br> - Due Diligence Vendor-02/09/2026 | Ready for Review-Document Uploaded. - Seller-02/09/2026<br>| Resolved-Resolved - 02/09/2026 - Mortgage Statement received. - Due Diligence Vendor-02/09/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of % Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio 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>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 444.36 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 783 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | Mortgage_Statement_mtg_statement_xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | XXX | Investment | Purchase | NA | N/A | N/A |
| xxx | 87816 |  | D B A | Closed | FCRE1764 | 2026-02-06 15:46 | 2026-02-11 14:11 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Verification of Mortgage | Resolved-Resolved - 02/11/2026 - First Payment Letter & Settlement Statement Document received for the property xxx. - Due Diligence Vendor-02/11/2026 <br> Ready for Review-Document Uploaded. - Seller-02/10/2026 <br> Open-For the Following property Mortgage Statement Missing<br> xxx - Due Diligence Vendor-02/06/2026 | Ready for Review-Document Uploaded. - Seller-02/10/2026<br>| Resolved-Resolved - 02/11/2026 - First Payment Letter & Settlement Statement Document received for the property xxx. - Due Diligence Vendor-02/11/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 763 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 116.13 Are Greater Than The Guideline Minimum Of 11 By Six (6) Or More Months<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of xxx 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 0.03<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.46 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 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| xxx | 87816 |  | D B A | Closed | FVAL9739 | 2026-02-06 16:59 | 2026-02-06 16:59 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-The subject property is an . - Due Diligence Vendor-02/06/2026 |  | Waived-The subject property is an . - Due Diligence Vendor-02/06/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 763 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 116.13 Are Greater Than The Guideline Minimum Of 11 By Six (6) Or More Months<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of xxx 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 0.03<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.46 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 | The subject property is reported under refinance Investment property and reference FICO-763. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | XXX | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes |
| xxx | 87818 |  | D A | Closed | FCOM1544 | 2026-02-10 02:18 | 2026-02-11 12:36 | Resolved | 1 - Information D A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-Resolved 02/11/2026: Received Final Settlement Statement and exception was cleared. - Due Diligence Vendor-02/11/2026 <br>Ready for Review-Document Uploaded. - Seller-02/10/2026 <br>Open-TRID: Missing Final Closing Disclosure Final CD Missing - Due Diligence Vendor-02/10/2026 | Ready for Review-Document Uploaded. - Seller-02/10/2026<br>| Resolved-Resolved 02/11/2026: Received Final Settlement Statement and exception was cleared. - Due Diligence Vendor-02/11/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 787 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 88.09 Are Greater Than The Guideline Minimum Of 10 By Six (6) Or More Months<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV 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 - 30.76 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 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.85% 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 0.04<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 21.76 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.83 Years |  | FSS.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | XXX | Investment | Purchase | NA | N/A | N/A |
| xxx | 87819 |  | 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 | 87820 |  | D A B | Closed | FCOM5898 | 2026-02-09 13:33 | 2026-02-11 17:25 | Resolved | 1 - Information A | Compliance | Missing Doc - State Disclosure | Tangible Net Benefit Disclosure missing or unexecuted | Resolved-Resolved 02/11/2026: Received CO Refinance Disclosure and exception was cleared. Tangible Net Benefit Disclosure Not Required. - Due Diligence Vendor-02/11/2026 |  | Resolved-Resolved 02/11/2026: Received CO Refinance Disclosure and exception was cleared. Tangible Net Benefit Disclosure Not Required. - Due Diligence Vendor-02/11/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.49% 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 51.93 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.24<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of xxx Is Below The Guideline Maximum Of 75% 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 | 87820 |  | D A B | Closed | FCOM1287 | 2026-02-09 12:17 | 2026-02-11 12:50 | Resolved | 1 - Information D A | Compliance | Missing Doc - State Disclosure | 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-02/11/2026 <br>Resolved-Resolved 02/11/2026: Received CO Refinance Disclosure and exception was cleared. - Due Diligence Vendor-02/11/2026 <br>Ready for Review-Document Uploaded. I believe this is the form attached - Seller-02/09/2026 <br>Counter-Not Resolved 02/09/2026: Received HOMEOWNERSHIP COUNSELING ORGANIZATION LIST, Please provide State disclosure of CO- Consumer Caution and Home Owner Counselling Notice OR Tangible Net Disclosure. - Due Diligence Vendor-02/09/2026 <br>Ready for Review-Document Uploaded. - Seller-02/09/2026 <br>Open-Consumer Caution and Home Owner Counseling Notice is Missing - Due Diligence Vendor-02/09/2026 | Ready for Review-Document Uploaded. I believe this is the form attached - Seller-02/09/2026 <br>Ready for Review-Document Uploaded. - Seller-02/09/2026<br>| Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-02/11/2026 <br>Resolved-Resolved 02/11/2026: Received CO Refinance Disclosure and exception was cleared. - Due Diligence Vendor-02/11/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.49% 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 51.93 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.24<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of xxx Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | Homeowners Counseling Notice.pdf<br>CO Refinance 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 | 87820 |  | D A B | Closed | FCRE1183 | 2026-02-09 10:03 | 2026-02-09 13:21 | 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. - Seller-02/09/2026 <br>Open-1008/Underwriting Summary Partially Provided Provide updated 1008 with correct tax amount,due to tax amount DTI is not matching. - Due Diligence Vendor-02/09/2026 | Ready for Review-Document Uploaded. - Seller-02/09/2026<br>| Resolved-Resolved - 02/09/2026 - Updated 1008 document received. - Due Diligence Vendor-02/09/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.49% 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 51.93 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.24<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of xxx Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  | 1008 - Transmittal Summary.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 | 87821 |  | B A | Closed | FCRE1197 | 2026-02-10 10:37 | 2026-02-10 10:37 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Audited FICO of 665 is less than Guideline FICO of 700 Requesting Exception to Proceed with Property Type and allow for a credit score of<br> 665 versus 700 that is required per program - Due Diligence Vendor-02/10/2026 |  | Waived-Audited FICO of 665 is less than Guideline FICO of 700 Requesting Exception to Proceed with Property Type and allow for a credit score of<br> 665 versus 700 that is required per program - Due Diligence Vendor-02/10/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 58.55 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | Property appears Residential in Nature, owned since 2016, 8 resident agreements provided totaling over<br> $25K monthly supporting continuity of property cashflow, no latest evident on Credit Report. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | XXX | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes |
| xxx | 87823 |  | 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 | 87824 |  | 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 | 87825 |  | C B A | Closed | FCOM4227 | 2026-02-10 11:57 | 2026-02-12 12:43 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-Resolved 02/12/2026: Received Initial Closing Disclosure dated 01/20/2026 and exception was cleared. - Due Diligence Vendor-02/12/2026 <br> Ready for Review-Document Uploaded. Sorry about that! - Seller-02/12/2026 <br> Counter-Not Resolved 02/11/2026: Received Final Closing Disclosure dated xxx instead of Initial Closing Disclosure. Kindly provide Initial Closing Disclosure dated between 01/10/2026 to 01/24/2026. - Due Diligence Vendor-02/11/2026 <br> Ready for Review-Document Uploaded. I'm sorry!!! Here you go :) - Seller-02/10/2026 <br> Counter-Not Resolved 02/10/2026: We Requesting for Initial closing Disclosure, but received Initial disclosures, please provide Initial closing disclosure. - Due Diligence Vendor-02/10/2026 <br> Ready for Review-Document Uploaded. - Seller-02/10/2026 <br> Open-\*\*\*\*\*\*Documentation provided does not contain the Initial Closing Disclosure. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings.<br> - Due Diligence Vendor-02/10/2026 | Ready for Review-Document Uploaded. Sorry about that! - Seller-02/12/2026 <br>Ready for Review-Document Uploaded. I'm sorry!!! Here you go :) - Seller-02/10/2026 <br>Ready for Review-Document Uploaded. - Seller-02/10/2026<br>| Resolved-Resolved 02/12/2026: Received Initial Closing Disclosure dated 01/20/2026 and exception was cleared. - Due Diligence Vendor-02/12/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 796 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of xxx Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 22.46 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 43 Years |  | Disclosures - Initial Signed.pdf<br>Signed CD.pdf<br>1.20 CD4.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 < 2% or less than $5000 | N/A | N/A |
| xxx | 87825 |  | C B A | Closed | FVAL9739 | 2026-02-06 13:19 | 2026-02-06 13:19 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-xxx - Exception required due to 2 ADUs on property. - Due Diligence Vendor-02/06/2026 |  | Waived-xxx - Exception required due to 2 ADUs on property. - Due Diligence Vendor-02/06/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 796 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of xxx Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 22.46 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 43 Years | \* LTV 10% below max<br> \* (Refi) 5+ years in the subject property ownership<br> \* FICO 20+ points<br> \* 0x30x12+ Mortgage history<br> \* 5+ years established credit history<br> \* No adverse credit event history or derogatory credit<br> \* Reserves > minimum requirement |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | XXX | Primary Residence | Refinance | Limited Cash Out < 2% or less than $5000 | Originator Pre-Close | Yes |
| xxx | 87826 |  | C A | Closed | finding-47 | 2026-02-06 13:33 | 2026-02-09 13:53 | 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> Ready for Review-Document Uploaded. - Seller-02/09/2026 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\*\*The Final CD shows a funding date of 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-02/09/2026 <br> Open- - Due Diligence Vendor-02/09/2026 <br> Open- - Due Diligence Vendor-02/06/2026 | Ready for Review-Document Uploaded. - Seller-02/09/2026<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 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18.58 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.05 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 704 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.34 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of xxx Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More |  | FSS.pdf<br>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 | 87826 |  | C A | Closed | FSER1220 | 2026-02-09 10:22 | 2026-02-09 10:22 | Waived | 2 - Non-Material A | Servicing | Modification | Modification Issue | Waived-Exception required due to Modification does not meet 2 year requirement and Rural for Cash-Out Refi. - Due Diligence Vendor-02/09/2026 |  | Waived-Exception required due to Modification does not meet 2 year requirement and Rural for Cash-Out Refi. - 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 - 25 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18.58 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 14.05 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 704 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.34 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of xxx Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More | \* LTV 10% below max <br> \* (Refi) 5+ years in the subject property ownership<br> \* 5+ years on job/self-employed<br> \* 0x30x12+ Mortgage history<br> \* 5+ years established credit history<br> \* Reserves > minimum requirement |  | 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 | 87827 |  | B A | Closed | FVAL9739 | 2026-02-06 09:56 | 2026-02-06 09:56 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Subject has 2 ADU units - Due Diligence Vendor-02/06/2026 |  | Waived-Subject has 2 ADU units - Due Diligence Vendor-02/06/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.85% 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 Of 39.89 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 746 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | No rental income appears to be considered from the units. The property as a whole is in excellent condition<br> uncluding the ADU units. Both units meet general requirements for ADU laid out in the guides. We have 1<br> closed comp and 1 listing between the 2 appraisals for properties with ADU but none with 2 ADU units. LTV<br> is low at xxx and DTI 39.6 |  | 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 | 87829 |  | B A | Closed | FCRE6696 | 2026-02-06 06:40 | 2026-02-06 06:40 | Waived | 2 - Non-Material B | Credit | Income | Employment Self-Employed Less Than 2 Years at Origination | Waived-Requesting Exception to Proceed with 1) Self-Employed Business Owner less than 2 years, but greater than <br> 1 year. - Due Diligence Vendor-02/06/2026 |  | Waived-Requesting Exception to Proceed with 1) Self-Employed Business Owner less than 2 years, but greater than <br> 1 year. - Due Diligence Vendor-02/06/2026<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 0.02<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.61% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | XXX | Primary Residence | Purchase | NA | Originator Pre-Close | Yes |
| xxx | 87830 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | XXX | Investment | Refinance | Cash Out - Other |  |  |
| xxx | 87831 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | XXX | Investment | Purchase | NA |  |  |
| xxx | 87832 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | XXX | Investment | Refinance | Limited Cash Out < 2% or less than $5000 |  |  |
| xxx | 87833 |  | D A | Closed | FCRE1342 | 2026-02-09 16:55 | 2026-02-11 14:03 | Resolved | 1 - Information D A | Credit | Missing Doc - Income | Borrower 1 Business Bank Statements Missing | Resolved-Resolved - 02/11/2026 - Bank Statement received for the month of xxx. - Due Diligence Vendor-02/11/2026 <br> Ready for Review-Document Uploaded. xxx statement attached. Please clear condition - Seller-02/11/2026 <br> Counter-Not Resolved - 02/11/2026 - Provide xxx statement for the account #xxx. - Due Diligence Vendor-02/11/2026 <br> Ready for Review-Document Uploaded. Not sure what month statements were supposedly missing but xxx and xxx xxx were part of CLP but attached again. Please clear condition. - Seller-02/10/2026 <br> Open-Business bank statement missing # xxx - Due Diligence Vendor-02/09/2026 | Ready for Review-Document Uploaded. June statement attached. Please clear condition - Seller-02/11/2026 <br> Ready for Review-Document Uploaded. Not sure what month statements were supposedly missing but xxx and xxx xxx were part of CLP but attached again. Please clear condition. - Seller-02/10/2026 | Resolved-Resolved - 02/11/2026 - Bank Statement received for the month of xxx. - Due Diligence Vendor-02/11/2026 | 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 0.11<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 740 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of xxx 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 - Validated Calculated DTI Of 18.13% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx xxx - Bank Statements for xxx xxx and xxx xxx.pdf<br> xxx xxx - 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 | 87833 |  | D A | Closed | FCRE1198 | 2026-02-09 17:17 | 2026-02-11 12:11 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Resolved - 02/11/2026 - The additional deposits have been verified through the PCCD for the concurrent loan. With this verification, the assets are now sufficient. - Due Diligence Vendor-02/11/2026 <br> Ready for Review-Document Uploaded. Piggyback 2nd on property, borrower not short on assets. See attached Final Closing Statement showing 2nd, copy of 2nd mortgage Note and corrected 1008. Please clear condition. - Seller-02/10/2026 <br> Open-Audited Reserves of are less than Guideline Required Reserves of 12 Total assets available xxx while required assets xxx with a shortage of assets. <br> - Due Diligence Vendor-02/09/2026 | Ready for Review-Document Uploaded. Piggyback 2nd on property, borrower not short on assets. See attached Final Closing Statement showing 2nd, copy of 2nd mortgage Note and corrected 1008. Please clear condition. - Seller-02/10/2026<br>| Resolved-Resolved - 02/11/2026 - The additional deposits have been verified through the PCCD for the concurrent loan. With this verification, the assets are now sufficient. - Due Diligence Vendor-02/11/2026<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 0.11<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 740 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of xxx 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 - Validated Calculated DTI Of 18.13% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx - Corrected 1008 reflecting correct CLTV with 2nd included and revised assets required.pdf<br> xxx - Copy of Note for 2nd.pdf<br> xxx - FSS showing 1st and 2nd borrower is not shor assets.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 | 87833 |  | D A | Closed | FCRE1503 | 2026-02-09 17:26 | 2026-02-11 12:02 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Resolved - 02/11/2026 - The Final Note, PCCD and First Payment Letter have been received for the concurrent loan secured by the subject property. - Due Diligence Vendor-02/11/2026 <br> Ready for Review-Document Uploaded. - Seller-02/10/2026 <br> Open-Borrower is availing an concurrent loan on subject property with xxx # xxx . Closing details statement or note document is missing . - Due Diligence Vendor-02/09/2026 | Ready for Review-Document Uploaded. - Seller-02/10/2026<br>| Resolved-Resolved - 02/11/2026 - The Final Note, PCCD and First Payment Letter have been received for the concurrent loan secured by the subject property. - Due Diligence Vendor-02/11/2026<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 0.11<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 740 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of xxx 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 - Validated Calculated DTI Of 18.13% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx PCCD.pdf<br> xxx - 1st Payment Letter.pdf<br> xxx - Certified Copy of Note.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 | 87834 |  | D A | Closed | FCRE3760 | 2026-02-09 08:36 | 2026-02-09 17:27 | Resolved | 1 - Information D A | Credit | Missing Doc - Approval Info | Entity Formation Doc is missing | Resolved-Resolved - 02/09/2026 - Entity Document Received. - Due Diligence Vendor-02/09/2026 <br> Ready for Review-Document Uploaded. Assuming you want EIN verified with IRS letter? EIN confirmed by State on attached xxx. Please clear condition. - Seller-02/09/2026 <br> Open-IRS document is missing for borrower "xxx". - Due Diligence Vendor-02/09/2026 | Ready for Review-Document Uploaded. Assuming you want EIN verified with IRS letter? EIN confirmed by State on attached xxx. Please clear condition. - Seller-02/09/2026 | Resolved-Resolved - 02/09/2026 - Entity Document Received. - Due Diligence Vendor-02/09/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 792 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 11.16 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 23.32 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months |  | xxx - EIN confirmed by State on xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| xxx | 87835 |  | B A | Closed | FCRE1437 | 2026-02-09 19:56 | 2026-02-10 12:59 | Waived | 2 - Non-Material B | Credit | Income | Income and Employment Do Not Meet Guidelines | Open-Income and Employment Do Not Meet Guidelines Exception requested for borrower not having a complete 12 month's business income bank statements from the same business account. Borrower has submitted 4 months of personal account (acct still opened) and 8 month's of business statements. Business started using personal account and in the last 8 months a business account was opened. Company was Sch C to LLC. - Due Diligence Vendor-02/10/2026 |  |  | 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 - 10.16 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 12.5% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 35.27 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | 1) Low DTI at 13% with max 50%<br> 2) Over 50 months of reserves w/6 required<br> 3) 0x30 mortgage payment history for departing residence<br> 4) Over $100,000 in residual income |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | XXX | Primary Residence | Purchase | NA | Originator Pre-Close | Yes |
| xxx | 87836 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | XXX | Investment | Refinance | Cash Out - Other |  |  |
| xxx | 87837 |  | D A | Closed | FCRE7497 | 2026-02-10 09:14 | 2026-02-11 12:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Resolved - 02/11/2026 - The Final Note, Tax Cert, HOI & 1st Payment letter received for the property xxx, to verify the PITIA. - Due Diligence Vendor-02/11/2026 <br> Ready for Review-Document Uploaded. - Seller-02/10/2026 <br> Open-For the following property Missing Tax and Insurance<br> xxx. - Due Diligence Vendor-02/10/2026 | Ready for Review-Document Uploaded. - Seller-02/10/2026<br>| Resolved-Resolved - 02/11/2026 - The Final Note, Tax Cert, HOI & 1st Payment letter received for the property xxx, to verify the PITIA. - Due Diligence Vendor-02/11/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 16.67% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 17.84 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 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 53.31 Are Greater Than The Guideline Minimum Of 8 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 744 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx- 1st Payment Letter.pdf<br> xxxt- Note.pdf<br> xxx - HOI.pdf<br> xxx-taxcert.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| xxx | 87838 |  | D A C | Closed | FCOM1477 | 2026-02-10 18:34 | 2026-02-11 12:43 | Resolved | 1 - Information D A | Compliance | Missing Doc - Rate Lock | Missing evidence of rate lock | Resolved-Resolved 02/11/2026: Received Locked Closing Disclosure 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/CD \*\*\*\* Locked TRID disclosure is missing. A Locked Loan Estimate or Closing Disclosure (as applicable) is required to be provided to the consumer within 3 business days after loan is Locked. <br> - Due Diligence Vendor-02/10/2026 | Ready for Review-Document Uploaded. - Seller-02/10/2026<br>| Resolved-Resolved 02/11/2026: Received Locked Closing Disclosure and exception was cleared. - Due Diligence Vendor-02/11/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 246.23 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 812 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | Locked CD.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 | 87838 |  | D A C | Closed | finding-3939 | 2026-02-10 05:15 | 2026-02-11 12:42 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-Resolved 02/11/2026: Received Locked Closing Disclosure 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. Rate Lock document received on xxx, with in 3 Business day Initial CD is Missing. Verified from Mavent document on page 535 showing Initial Closing Disclosure dated 01/13/2026. - Due Diligence Vendor-02/10/2026 <br> Open- - Due Diligence Vendor-02/10/2026 <br> Open- - Due Diligence Vendor-02/10/2026 <br> Open- - Due Diligence Vendor-02/10/2026 <br> Open- - Due Diligence Vendor-02/10/2026 <br> Open- - Due Diligence Vendor-02/10/2026 | Ready for Review-Document Uploaded. - Seller-02/10/2026<br>| Resolved-Resolved 02/11/2026: Received Locked Closing Disclosure and exception was cleared. - Due Diligence Vendor-02/11/2026 <br>Resolved- - Due Diligence Vendor-02/11/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 246.23 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 812 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | Locked CD.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 | 87838 |  | D A C | Closed | FCRE1254 | 2026-02-10 17:50 | 2026-02-11 12:41 | Resolved | 1 - Information C A | Credit | Title | Property Title Issue | Resolved-Resolved - 02/11/2026 - The tax delinquency has been paid in full, as reflected in the settlement statement. - Due Diligence Vendor-02/11/2026 <br> Ready for Review-Document Uploaded. FSS attached shows seller delinq property taxes paid off. Please clear condition. - Seller-02/10/2026 <br> Open-Property Title Issue Title report schedule B Line 9 reflects the tax delinquent , but no supporting document is provide to support the pay-off. - Due Diligence Vendor-02/10/2026 | Ready for Review-Document Uploaded. FSS attached shows seller delinq property taxes paid off. Please clear condition. - Seller-02/10/2026<br>| Resolved-Resolved - 02/11/2026 - The tax delinquency has been paid in full, as reflected in the settlement statement. - Due Diligence Vendor-02/11/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 246.23 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 812 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points |  | xxx - FSS for seller shows delinq property taxes paid off.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 | 87839 |  | 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 | 87840 |  | D A | Closed | INFI1245 | 2026-02-10 15:14 | 2026-02-10 15:47 | Resolved | 1 - Information D A | Compliance | Compliance | Homeownership Counselling Disclosure is missing. | Resolved-Resolved 02/10/2026: Received Homeownership Counselling Disclosure and exception was cleared.<br> - Due Diligence Vendor-02/10/2026 <br>Ready for Review-Document Uploaded. - Seller-02/10/2026 <br>Open-Homeownership Counselling Disclosure is missing. - Due Diligence Vendor-02/10/2026 | Ready for Review-Document Uploaded. - Seller-02/10/2026<br>| Resolved-Resolved 02/10/2026: Received Homeownership Counselling Disclosure and exception was cleared.<br> - Due Diligence Vendor-02/10/2026<br>|  |  | Homeownership Counselling Disclosure.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | XXX | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| xxx | 87840 |  | D A | Closed | FCOM1797 | 2026-02-10 09:22 | 2026-02-10 15:46 | Resolved | 1 - Information D A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-Resolved 02/10/2026: Received Service Provider List and exception was cleared.<br> - Due Diligence Vendor-02/10/2026 <br>Ready for Review-Document Uploaded. - Seller-02/10/2026 <br>Open-Service Provider List is Missing - Due Diligence Vendor-02/10/2026 | Ready for Review-Document Uploaded. - Seller-02/10/2026<br>| Resolved-Resolved 02/10/2026: Received Service Provider List and exception was cleared.<br> - Due Diligence Vendor-02/10/2026<br>|  |  | SSPL.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | XXX | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| xxx | 87840 |  | D A | Closed | FCOM1252 | 2026-02-10 09:21 | 2026-02-10 15:46 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-Resolved 02/10/2026: Received Initial Loan Estimate and exception was cleared.<br> - Due Diligence Vendor-02/10/2026 <br>Ready for Review-Document Uploaded. - Seller-02/10/2026 <br>Open-\*\*\*\*\*\*Documentation provided does not contain the Initial Loan Estimate. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings.<br> - Due Diligence Vendor-02/10/2026 | Ready for Review-Document Uploaded. - Seller-02/10/2026<br>| Resolved-Resolved 02/10/2026: Received Initial Loan Estimate and exception was cleared.<br> - Due Diligence Vendor-02/10/2026<br>|  |  | Disclosures - Initial Signed.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | XXX | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| xxx | 87841 |  | B A | Closed | FCRE1195 | 2026-02-09 07:42 | 2026-02-09 08:08 | 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 as Max 75% (Max 75% as limited tradeline) - Due Diligence Vendor-02/09/2026 |  | Waived-Audited CLTV of xxx exceeds Guideline CLTV of 70% LTV exception to xxx as Max 75% (Max 75% as limited tradeline) - Due Diligence Vendor-02/09/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 770 is Greater Than The Guideline Minimum Of 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 16.66% 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 28.15 Are Greater Than The Guideline Minimum Of 8 By Six (6) Or More Months | 1) Established business since 2021<br> 2) Low DTI 15% w/Max 50%<br> 3) Fico 770 w/minimum 660<br> 4) Residual Income xxx<br> 5) Minimal to no use of REV debt<br> 6) 0x30 mortgage payment history 55 months rating |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | XXX | Primary Residence | Purchase | NA | Originator Pre-Close | Yes |
| xxx | 87841 |  | B A | Closed | FCRE1196 | 2026-02-09 07:42 | 2026-02-09 08:08 | 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 as Max 75% (Max 75% as limited tradeline) - Due Diligence Vendor-02/09/2026 |  | Waived-Audited HCLTV of xxx exceeds Guideline HCLTV of 70% LTV exception to xxx as Max 75% (Max 75% as limited tradeline) - Due Diligence Vendor-02/09/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 770 is Greater Than The Guideline Minimum Of 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 16.66% 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 28.15 Are Greater Than The Guideline Minimum Of 8 By Six (6) Or More Months | 1) Established business since 2021<br> 2) Low DTI 15% w/Max 50%<br> 3) Fico 770 w/minimum 660<br> 4) Residual Income xxx<br> 5) Minimal to no use of REV debt<br> 6) 0x30 mortgage payment history 55 months rating |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | XXX | Primary Residence | Purchase | NA | Originator Pre-Close | Yes |
| xxx | 87841 |  | B A | Closed | FCRE1194 | 2026-02-09 07:42 | 2026-02-09 08:04 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of xxx exceeds Guideline LTV of 70% LTV exception to xxx as Max 75% (Max 75% as limited tradeline) - Due Diligence Vendor-02/09/2026 |  | Waived-Audited LTV of xxx exceeds Guideline LTV of 70% LTV exception to xxx as Max 75% (Max 75% as limited tradeline) - Due Diligence Vendor-02/09/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 770 is Greater Than The Guideline Minimum Of 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 16.66% 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 28.15 Are Greater Than The Guideline Minimum Of 8 By Six (6) Or More Months | 1) Established business since 2021<br> 2) Low DTI 15% w/Max 50%<br> 3) Fico 770 w/minimum 660<br> 4) Residual Income xxx<br> 5) Minimal to no use of REV debt<br> 6) 0x30 mortgage payment history 55 months rating |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | XXX | Primary Residence | Purchase | NA | Originator Pre-Close | Yes |
| xxx | 87842 |  | 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 | 87843 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | XXX | Investment | Purchase | NA |  |  |
| xxx | 87844 |  | C A | Closed | FCRE1167 | 2026-02-09 11:23 | 2026-02-19 15:26 | Resolved | 1 - Information C A | Credit | Insurance | Inadequate Hazard Insurance Coverage - Amount of coverage is less than primary lien amount and the Replacement Cost Value Estimator was not Provided by the Insurer | Resolved- - Due Diligence Vendor-02/19/2026 <br> Rescinded- - Due Diligence Vendor-02/19/2026 <br> Ready for Review-02/19/2026. Received the following: Email from insurance company attached confirming 100% replacement cost. By xxx law they cannot give us RCE but they have confirmed coverage is based on RCE=100% replacement cost. - Due Diligence Vendor-02/19/2026 <br> Ready for Review-Document Uploaded. Email from insurance company attached confirming 100% replacement cost. By xxx law they cannot give us RCE but they have confirmed coverage is based on RCE=100% replacement cost. Please clear condition. - Seller-02/19/2026 <br> Open-Inadequate Hazard Insurance Coverage and Replacement Cost Estimator was not Provided - Hazard Insurance Coverage in the amount of xxx is less than the minimum required coverage amount of $2624000 - Due Diligence Vendor-02/09/2026 | Ready for Review-Document Uploaded. Email from insurance company attached confirming 100% replacement cost. By xxx law they cannot give us RCE but they have confirmed coverage is based on RCE=100% replacement cost. Please clear condition. - Seller-02/19/2026 |  | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 770 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 198.42 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months |  | xxx - Insurance email confirming 100% replacement.pdf<br> xxx RC.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | XXX | Investment | Purchase | NA | N/A | N/A |
| xxx | 87844 |  | C A | Closed | FCRE1182 | 2026-02-09 12:22 | 2026-02-11 12:48 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Approval/Underwriting Summary Not Provided | Resolved-Resolved - 02/11/2026 - 1008 Document Received. - Due Diligence Vendor-02/11/2026 <br>Ready for Review-Document Uploaded. - Seller-02/10/2026 <br>Open-1008/Underwriting Summary Not Provided - Due Diligence Vendor-02/09/2026 | Ready for Review-Document Uploaded. - Seller-02/10/2026<br>| Resolved-Resolved - 02/11/2026 - 1008 Document Received. - Due Diligence Vendor-02/11/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 770 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 198.42 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months |  | xxx - 1008.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | XXX | Investment | Purchase | NA | N/A | N/A |
| xxx | 87845 |  | C A | Closed | FCRE1198 | 2026-02-10 15:38 | 2026-02-11 13:00 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Resolved - 02/11/2026 - This condition is not required. The reviewer and QC initially referenced an incorrect settlement statement on page 193. The most recent settlement statement on page 667 reflects cash to borrower. Now assets are sufficient for the borrower. - Due Diligence Vendor-02/11/2026 <br> Ready for Review-Document Uploaded. Attached are assets used for reserves that show xxx which is sufficient to cover more than required 12 mo reserves. Cash to close loan came from refinances on other properties, see attached final closing statements on all showing funds from refinances and assets in bank statement not needed for closing just reserve requirement. Please clear condition. - Seller-02/10/2026 <br> Resolved-Audited Reserves of 146.55 are greater than or equal to Guideline Required Reserves of 12 - Due Diligence Vendor-02/10/2026 <br> Open-Audited Reserves of are less than Guideline Required Reserves of 12 - Due Diligence Vendor-02/10/2026 | Ready for Review-Document Uploaded. Attached are assets used for reserves that show xxx which is sufficient to cover more than required 12 mo reserves. Cash to close loan came from refinances on other properties, see attached final closing statements on all showing funds from refinances and assets in bank statement not needed for closing just reserve requirement. Please clear condition. - Seller-02/10/2026 | Resolved-Resolved - 02/11/2026 - This condition is not required. The reviewer and QC initially referenced an incorrect settlement statement on page 193. The most recent settlement statement on page 667 reflects cash to borrower. Now assets are sufficient for the borrower. - Due Diligence Vendor-02/11/2026 <br>Resolved-Audited Reserves of 146.55 are greater than or equal to Guideline Required Reserves of 12 - Due Diligence Vendor-02/10/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 146.55 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.89% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9 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 - 19.50 Years |  | xxx - FSS on 205 xxx showing xxx cash out to borrower to help close this loan.pdf<br> xxx - FSS on 2109 xxx showing xxx cash out to borrower to help close this loan.pdf<br> xxx - FSS on 3127 xxx showing 325,974.52 cash out to borrower to help close this loan.pdf<br> xxx - FSS on 6601 xxx showing xxx cash out to borrower to help close this loan.pdf<br> xxx - FSS on xxx showing xxx cash out to borrower to help close this loan.pdf<br> xxx - Assets used for reserves shows sufficient funds to meet and well exceed 12 mo reserve requirement.pdf<br> xxx - FSS showing funds from other loans made so borrower not short too close.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | XXX | Investment | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| xxx | 87846 |  | B A | Closed | FCRE1200 | 2026-02-09 08:16 | 2026-02-09 08:26 | 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 300000 Underwriting requesting Exception to proceed with Loan Amount less than Minimum Loan Amount Requirement.<br> - Due Diligence Vendor-02/09/2026 |  | Waived-Audited Loan Amount of xxx is less than the Guideline Minimum Loan Amount of 300000 Underwriting requesting Exception to proceed with Loan Amount less than Minimum Loan Amount Requirement.<br> - Due Diligence Vendor-02/09/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 797 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 12.88% 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 - 24.58 Years | DTI < 15% at initial review with $12K+ gross monthly disposable income; 798 FICO with no lates noted; <br> $77K+ in assets confirmed evidencing adequate savings pattern for Purchase and further supporting ATR. |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | XXX | Primary Residence | Purchase | NA | Originator Pre-Close | Yes |
| xxx | 87847 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | XXX | Investment | Refinance | Cash Out - Other |  |  |
| xxx | 87848 |  | D A | Closed | FCRE5116 | 2026-02-09 09:08 | 2026-02-11 13:08 | Resolved | 1 - Information D A | Credit | Missing Doc | VOM or VOR missing/required | Resolved-Resolved - 02/11/2026 - VOR/VOM Document is received. - Due Diligence Vendor-02/11/2026 <br>Ready for Review-Document Uploaded. - Seller-02/10/2026 <br>Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. VOR/VOM is missing - Due Diligence Vendor-02/09/2026 | Ready for Review-Document Uploaded. - Seller-02/10/2026<br>| Resolved-Resolved - 02/11/2026 - VOR/VOM Document is received. - Due Diligence Vendor-02/11/2026<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 - 25 Years<br> Borrower At Current Residence For Five (5) Or More Years - Verified Borrower At Current Residence For Five (5) Or More Years - 9 Years<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 - 19.50 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Verified Months Reserves Of 43.64 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<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> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Verified Calculated DTI Of 13.71% 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 - Verified Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 |  | VOM 1.pdf<br>VOM 2.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | XXX | Investment | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| xxx | 87849 |  | D A | Closed | FCRE7497 | 2026-02-09 04:50 | 2026-02-11 13:16 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Resolved - 02/11/2026 - A Letter of Explanation (LOE) has been received confirming that these properties do not have an HOA. - Due Diligence Vendor-02/11/2026 <br> Ready for Review-Document Uploaded. - Seller-02/10/2026 <br> Open-Please provide the HOA documentation for the properties listed on the final 1003: #xxx, #xxx, #xxx, and #xxx. - Due Diligence Vendor-02/10/2026 | Ready for Review-Document Uploaded. - Seller-02/10/2026<br>| Resolved-Resolved - 02/11/2026 - A Letter of Explanation (LOE) has been received confirming that these properties do not have an HOA. - Due Diligence Vendor-02/11/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9 Years<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>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.50 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 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 164.97 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months |  | xxx_No_HOA_LOE.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | XXX | Investment | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| xxx | 87849 |  | D A | Closed | FCRE1503 | 2026-02-09 04:47 | 2026-02-10 11:52 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Resolved-02/10/2026- First payment letter and Note document received for these property #xxx, #xxx, #xxx, #xxx, #xxx, #xxx, #xxx, #xxx. - Due Diligence Vendor-02/10/2026 <br> Ready for Review-Document Uploaded. - Seller-02/10/2026 <br> Open-Property for #xxx, #xxx, #xxx, #xxx, #xxx, #xxx, #xxx, #xxx Mortgage Statement is missing in the Loan file <br>- Due Diligence Vendor-02/09/2026 | Ready for Review-Document Uploaded. - Seller-02/10/2026<br>| Resolved-Resolved-02/10/2026- First payment letter and Note document received for these property #xxx, #xxx, #xxx, #xxx, #xxx, #xxx, #xxx, #xxx. - Due Diligence Vendor-02/10/2026 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9 Years<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>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 19.50 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 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 164.97 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months |  | xxx - 1st Payment Letter.pdf<br> xxx - Certified Copy of Note.pdf<br> xxx - 1st Payment Letter.pdf<br> xxx - Certified Copy of Note.pdf<br> xxx- 1st Payment Letter.pdf<br> xxx- Certified Copy of Note.pdf<br> xxx- 1st Payment Letter.pdf<br> xxx - Certified Copy of Note.pdf<br> xxx - 1st Payment Letter.pdf<br> xxx - Certified Copy of Note.pdf<br> xxx- Certified Copy of Note.pdf<br> xxx 1st Payment Letter.pdf<br> xxx - 1st Payment Letter.pdf<br> xxx - Certified Copy of Note.pdf<br> xxx- 1st Payment Letter.pdf<br> xxx- Certified Copy of Note.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | XXX | Investment | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| xxx | 87850 |  | D A | Closed | FCRE1503 | 2026-02-10 02:24 | 2026-02-11 13:40 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Resolved - 02/11/2026 - First payment letter and Note document received for these property #xxx, #xxx, #xxx, #xxx, #xxx, #xxx - Due Diligence Vendor-02/11/2026<br> Ready for Review-Document Uploaded. - Seller-02/10/2026 <br> Open-Missing Mortgage Statement for the properties #xxx, #xxx, #xxx, #xxx, #xxx, #xxx<br> - Due Diligence Vendor-02/10/2026 | Ready for Review-Document Uploaded. - Seller-02/10/2026<br>| Resolved-Resolved - 02/11/2026 - First payment letter and Note document received for these property #xxx, #xxx, #xxx, #xxx, #xxx, #xxx - Due Diligence Vendor-02/11/2026 | Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9 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 - 19.50 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.95% 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 192.9 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months |  | xxx - 1st Payment Letter.pdf<br> xxx - Certified Copy of Note.pdf<br> xxx- 1st Payment Letter.pdf<br> xxx- Certified Copy of Note.pdf<br> xxx - 1st Payment Letter.pdf<br> xxx - Certified Copy of Note.pdf<br> xxx 1st Payment Letter.pdf<br> xxx- Certified Copy of Note.pdf<br> xxx- 1st Payment Letter.pdf<br> xxx- Certified Copy of Note.pdf<br> xxx- 1st Payment Letter.pdf<br> xxx- Certified Copy of Note.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | XXX | Investment | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| xxx | 87850 |  | D A | Closed | FCRE7497 | 2026-02-10 02:22 | 2026-02-11 13:40 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Resolved - 02/11/2026 - Tax and HOI Documents received for these properties #xxx, xxx, xxx, xxx. - Due Diligence Vendor-02/11/2026 <br> Ready for Review-Document Uploaded. - Seller-02/10/2026 <br> Open-Missing documents for the properties #xxx, xxx, xxx, xxx - Due Diligence Vendor-02/10/2026 | Ready for Review-Document Uploaded. - Seller-02/10/2026<br>| Resolved-Resolved - 02/11/2026 - Tax and HOI Documents received for these properties #xxx,xxx, xxx, xxx. - Due Diligence Vendor-02/11/2026 | Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9 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 - 19.50 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.95% 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 192.9 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months |  | xxx.pdf<br> xxx_xxx.pdf<br> xxx.pdf<br> xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | XXX | Investment | Refinance | Cash Out - Home Improvement/Reno | N/A | N/A |
| xxx | 87851 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | XXX | Investment | Refinance | Cash Out - Other |  |  |
| xxx | 87861 |  | B A | Closed | FCRE1183 | 2026-02-09 18:24 | 2026-02-11 16:25 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Approval/Underwriting Summary Partially Provided | Resolved-Resolved - 02/11/2026 - Updated 1008 document Received. - Due Diligence Vendor-02/11/2026 <br> Ready for Review-Document Uploaded. - Seller-02/11/2026 <br> Counter-Not Resolved - 02/11/2026 - The DTI is not matching with 1008, as the lender included total primary housing expenses of xxx, which reflect both the current primary housing expense xxx and the previous rental payment xxx. Please provide an updated Form 1008 reflecting only the current primary housing expense of xxx to ensure accurate DTI calculation. - Due Diligence Vendor-02/11/2026 <br> Ready for Review-Document Uploaded. See uw comments on 1008 submitted with CLP and also attached again. UW comments = Borrower just moved into new purchased OO SFR, however lease in file does not end until 8/2026 and brw intends to wait out the lease instead of paying to break it. Hit DTI with both rent and new OO mtg as worst case. Please clear condition. <br>- Seller-02/10/2026 <br> Open-1008/Underwriting Summary Partially Provided The DTI is not matching because the lender used primary housing expenses of xxx, whereas the final 1003 reflects primary housing expenses of xxx. Please provide an updated 1008. - Due Diligence Vendor-02/09/2026 | Ready for Review-Document Uploaded. - Seller-02/11/2026 <br>Ready for Review-Document Uploaded. See uw comments on 1008 submitted with CLP and also attached again. UW comments = Borrower just moved into new purchased OO SFR, however lease in file does not end until 8/2026 and brw intends to wait out the lease instead of paying to break it. Hit DTI with both rent and new OO mtg as worst case. Please clear condition. <br>- Seller-02/10/2026<br>| Resolved-Resolved - 02/11/2026 - Updated 1008 document Received. - Due Diligence Vendor-02/11/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 773 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Low Credit Usage Ratio 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>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 28050.2 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 14.85% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx - 1008 - Transmittal Summary.pdf<br> xxx - Corrected 1008 - Transmittal Summary.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | XXX | Investment | Purchase | NA | N/A | N/A |
| xxx | 87762 |  | 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 | 87763 |  | D B A | Closed | FCRE5770 | 2026-02-11 05:54 | 2026-02-12 12:33 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Resolved - 02/12/2026 - Credit Report Document Received. - Due Diligence Vendor-02/12/2026 <br>Ready for Review-Document Uploaded. - Seller-02/12/2026 <br>Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-02/11/2026 | Ready for Review-Document Uploaded. - Seller-02/12/2026<br>| Resolved-Resolved - 02/12/2026 - Credit Report Document Received. - Due Diligence Vendor-02/12/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of xxx 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 108 Are Greater Than The Guideline Minimum Of 5 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of % Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Credit_Report_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 - Home Improvement/Reno | N/A | N/A |
| xxx | 87763 |  | D B A | Closed | FCRE1197 | 2026-02-11 05:22 | 2026-02-11 05:22 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited FICO is less than Guideline FICO | Waived-Audited FICO of 638 is less than Guideline FICO of 660 FICO 10 point exception-660 Minimum <br> Asset only-Using equity in REO - Due Diligence Vendor-02/11/2026 |  | Waived-Audited FICO of 638 is less than Guideline FICO of 660 FICO 10 point exception-660 Minimum <br> Asset only-Using equity in REO - Due Diligence Vendor-02/11/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of xxx 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 108 Are Greater Than The Guideline Minimum Of 5 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of % Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | LTV-xxx<br> Reserves-Excess 12+ months |  | 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 | Originator Pre-Close | Yes |
| xxx | 87962 |  | B A | Closed | FPRO1214 | 2026-02-12 08:18 | 2026-02-12 08:18 | Waived | 2 - Non-Material B | Property | Value | Appraisal Value | Waived-Using appraised value vs listing price on property listed for sale last 6 mos - Due Diligence Vendor-02/12/2026 |  | Waived-Using appraised value vs listing price on property listed for sale last 6 mos - Due Diligence Vendor-02/12/2026<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 - 20 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.14 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 719 is Greater Than The Guideline Minimum Of 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 52.53 Are Greater Than The Guideline Minimum Of 8 By Six (6) Or More Months<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 17.07% 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 - 30 Years | FICO 59 POINTS ABOVE MIN <br> GOOD CREDIT WITH 0X30 SINCE 6/22 INCL MTGS <br> 6 YEAR BUSINESS OWNER 20 YR SAME LINE OF WORK <br> 44 MOS RESERVES ABOVE MINIMUM <br> DTI 33% BELOW MAXIMUM <br> xxx RESIDUAL INCOME |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | XXX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes |
| xxx | 87962 |  | B A | Closed | FCRE1195 | 2026-02-12 08:17 | 2026-02-12 08:17 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Audited CLTV of xxx exceeds Guideline CLTV of 70% LTV exception on rural investment property listed for sale in last 6 mos max 65% (MAX LTV 70% for rural property less 5%for property listed for sale last 12 mos) and LTV xxx - Due Diligence Vendor-02/12/2026 |  | Waived-Audited CLTV of xxx exceeds Guideline CLTV of 70% LTV exception on rural investment property listed for sale in last 6 mos max 65% (MAX LTV 70% for rural property less 5%for property listed for sale last 12 mos) and LTV xxx - Due Diligence Vendor-02/12/2026 | Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.14 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 719 is Greater Than The Guideline Minimum Of 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 52.53 Are Greater Than The Guideline Minimum Of 8 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 17.07% 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 - 30 Years | FICO 59 POINTS ABOVE MIN <br> GOOD CREDIT WITH 0X30 SINCE 6/22 INCL MTGS <br> 6 YEAR BUSINESS OWNER 20 YR SAME LINE OF WORK <br> 44 MOS RESERVES ABOVE MINIMUM <br> DTI 33% BELOW MAXIMUM <br> xxx RESIDUAL INCOME |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | XXX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes |
| xxx | 87962 |  | B A | Closed | FCRE1196 | 2026-02-12 08:17 | 2026-02-12 08:17 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-Audited HCLTV of xxx exceeds Guideline HCLTV of 70% LTV exception on rural investment property listed for sale in last 6 mos max 65% (MAX LTV 70% for rural property less 5%for property listed for sale last 12 mos) and LTV xxx - Due Diligence Vendor-02/12/2026 |  | Waived-Audited HCLTV of xxx exceeds Guideline HCLTV of 70% LTV exception on rural investment property listed for sale in last 6 mos max 65% (MAX LTV 70% for rural property less 5%for property listed for sale last 12 mos) and LTV xxx - Due Diligence Vendor-02/12/2026 | Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.14 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 719 is Greater Than The Guideline Minimum Of 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 52.53 Are Greater Than The Guideline Minimum Of 8 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 17.07% 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 - 30 Years | FICO 59 POINTS ABOVE MIN <br> GOOD CREDIT WITH 0X30 SINCE 6/22 INCL MTGS <br> 6 YEAR BUSINESS OWNER 20 YR SAME LINE OF WORK <br> 44 MOS RESERVES ABOVE MINIMUM <br> DTI 33% BELOW MAXIMUM <br> xxx RESIDUAL INCOME |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | XXX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes |
| xxx | 87962 |  | B A | Closed | FCRE1194 | 2026-02-12 08:17 | 2026-02-12 08:17 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of xxx exceeds Guideline LTV of 70% LTV exception on rural investment property listed for sale in last 6 mos max 65% (MAX LTV 70% for rural property less 5%for property listed for sale last 12 mos) and LTV xxx - Due Diligence Vendor-02/12/2026 |  | Waived-Audited LTV of xxx exceeds Guideline LTV of 70% LTV exception on rural investment property listed for sale in last 6 mos max 65% (MAX LTV 70% for rural property less 5%for property listed for sale last 12 mos) and LTV xxx - Due Diligence Vendor-02/12/2026 | Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.14 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 719 is Greater Than The Guideline Minimum Of 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 52.53 Are Greater Than The Guideline Minimum Of 8 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 17.07% 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 - 30 Years | FICO 59 POINTS ABOVE MIN <br> GOOD CREDIT WITH 0X30 SINCE 6/22 INCL MTGS <br> 6 YEAR BUSINESS OWNER 20 YR SAME LINE OF WORK <br> 44 MOS RESERVES ABOVE MINIMUM <br> DTI 33% BELOW MAXIMUM <br> xxx RESIDUAL INCOME |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | XXX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes |
| xxx | 87962 |  | B A | Closed | FPRO1249 | 2026-02-12 08:15 | 2026-02-12 08:15 | Waived | 2 - Non-Material B | Property | Property Issue | Neighborhood Location Not Allowed for Program | Waived-Rural investment property - Due Diligence Vendor-02/12/2026 |  | Waived-Rural investment property - Due Diligence Vendor-02/12/2026<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 - 20 Years<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.14 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 719 is Greater Than The Guideline Minimum Of 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 52.53 Are Greater Than The Guideline Minimum Of 8 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 17.07% 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 - 30 Years | FICO 59 POINTS ABOVE MIN <br> GOOD CREDIT WITH 0X30 SINCE 6/22 INCL MTGS <br> 6 YEAR BUSINESS OWNER 20 YR SAME LINE OF WORK <br> 44 MOS RESERVES ABOVE MINIMUM <br> DTI 33% BELOW MAXIMUM <br> xxx RESIDUAL INCOME |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | XXX | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Pre-Close | Yes |
| xxx | 88037 |  | B A | Closed | FCRE1183 | 2026-02-26 16:04 | 2026-03-03 09:28 | 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. Because 1st on non subject is a construction loan and current balance could go up UW used full loan amount on attached Note to calculate IO payment based on terms of Note but insurance was corrected and revised 1008/1003 with this correction also attached. Please review and clear condition. - Seller-02/27/2026 <br> Open-1008/Underwriting Summary Partially Provided The audited Housing Expense Ratio of 28.29% and DTI of 40.94% do not align with the 1008 figures, which reflect a Housing Expense Ratio of 30.145% and a DTI of 49.550%. The discrepancy arises because the lender used the insurance amount for Subject Property #xxx based on the Lender-Placed Insurance unpaid balance referenced on page 536, and calculated the P&I for Investment Property #xxx as xxx. However, according to the VOM document, the correct monthly P&I is xxx. As a result, the DTI ratios do not match. - Due Diligence Vendor-02/26/2026 | Ready for Review-Document Uploaded. Because 1st on non subject is a construction loan and current balance could go up UW used full loan amount on attached Note to calculate IO payment based on terms of Note but insurance was corrected and revised 1008/1003 with this correction also attached. Please review and clear condition. - Seller-02/27/2026<br>| Resolved-03/03/2026: Updated 1008 provided - Due Diligence Vendor-03/03/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of xxx 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 15.22 Are Greater Than The Guideline Minimum Of 8 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 781 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.94% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx - Corrected 1008.pdf<br> xxx - Corrected 1003.pdf<br> xxx - 1st Mtg note on xxx.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 | 88038 |  | B A | Closed | FVAL9739 | 2026-02-24 15:21 | 2026-02-24 15:21 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Requesting exception to proceed with DSCR > 0.75 but < 1.00 utilizing subject property short term rental <br> income of xxx for qualification. Using 12 month xxx lookback is most conservative, and fully <br> supported by appraisal estimated net STR income of xxx. - Due Diligence Vendor-02/24/2026 |  | Waived-Requesting exception to proceed with DSCR > 0.75 but < 1.00 utilizing subject property short term rental <br> income of xxx for qualification. Using 12 month xxx lookback is most conservative, and fully <br> supported by appraisal estimated net STR income of xxx. - Due Diligence Vendor-02/24/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 68.65 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of xxx Is Below The Guideline Maximum Of 65% By Ten Percent (10%) Or More | 1st Lien position atxxx LTV, borrower has owned subject investment property since 2014 with <br> confirmation of xxx+ in 2025 short term rental income received, property is located in a resort neighborhood with close proximity to the Gulf and other resort related attractions further supporting stability and continuity of short term rental income and loan meets all DSCR > 0.75 criteria. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | XXX | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes |
| xxx | 88039 |  | D B A | Closed | FCRE1470 | 2026-02-26 07:23 | 2026-02-26 15:23 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 4 Missing | Resolved-02/26/2026 Received statement for xxx #xxx dated xxx- Due Diligence Vendor-02/26/2026 <br> Ready for Review-Document Uploaded. - Seller-02/26/2026 <br> Open-Asset 4 Missing Asset 4 Checking account # xxx is missing . - Due Diligence Vendor-02/26/2026 | Ready for Review-Document Uploaded. - Seller-02/26/2026<br>| Resolved-02/26/2026 Received statement for xxx #xxx dated xxx - Due Diligence Vendor-02/26/2026 | Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 40 Years<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.19 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 - 5.19 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 365.24 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 789 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 15.98% 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 |  | #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 | 88039 |  | D B A | Closed | FCRE1440 | 2026-02-24 02:01 | 2026-02-24 02:05 | Waived | 2 - Non-Material B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Open-Housing History Does Not Meet Guideline Requirements X007 - Exception required due to lack of 12-months current housing payment history > 1 month gap.<br> Missing most recent xxx and xxx payments. - Due Diligence Vendor-02/24/2026 |  |  | Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 40 Years<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.19 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 - 5.19 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 365.24 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 789 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 15.98% 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 | LTV 10% below max<br> DTI 10% below max TBD<br> 5+ years on job/self-employed<br> FICO 20+ points<br> 0x30x12+ Mortgage history<br> 5+ years established credit history<br> Reserves > minimum requirement 368 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | XXX | Primary Residence | Purchase | NA | Originator Pre-Close | Yes |
| xxx | 88040 |  | 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 | 88041 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | XXX | Investment | Purchase | NA |  |  |
| xxx | 87857 |  | B A | Closed | FCRE1195 | 2026-02-26 10:31 | 2026-02-26 10:31 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Audited CLTV of xxx exceeds Guideline CLTV of 85% Requesting LTV exception to xxx as Max allowed for living rent free 85% (Per Matrix 90% allowed for borrower's loan amount and Fico, but 5% cut for living rent free) - Due Diligence Vendor-02/26/2026 |  | Waived-Audited CLTV of xxx exceeds Guideline CLTV of 85% Requesting LTV exception to xxx as Max allowed for living rent free 85% (Per Matrix 90% allowed for borrower's loan amount and Fico, but 5% cut for living rent free) - Due Diligence Vendor-02/26/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 799 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 19.89% Is Less Than The Guideline Maximum Of 45% 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 0.04 | 1) Established businesses verified by CPA<br> 2) 0x30 mortgage payment history with xxx #xxx w/36 month rating<br> 3) No derogatory credit or housing events<br> 4) 15 months reserves w/11 required<br> 5) Fico 799 w/740 required<br> 6) Low DTI at 19.92% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | XXX | Primary Residence | Purchase | NA | Originator Pre-Close | Yes |
| xxx | 87857 |  | B A | Closed | FCRE1196 | 2026-02-26 10:31 | 2026-02-26 10:31 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-Audited HCLTV of xxx exceeds Guideline HCLTV of 85% Requesting LTV exception to xxx as Max allowed for living rent free 85% (Per Matrix 90% allowed for borrower's loan amount and Fico, but 5% cut for living rent free) - Due Diligence Vendor-02/26/2026 |  | Waived-Audited HCLTV of xxx exceeds Guideline HCLTV of 85% Requesting LTV exception to xxx as Max allowed for living rent free 85% (Per Matrix 90% allowed for borrower's loan amount and Fico, but 5% cut for living rent free) - Due Diligence Vendor-02/26/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 799 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 19.89% Is Less Than The Guideline Maximum Of 45% 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 0.04 | 1) Established businesses verified by CPA<br> 2) 0x30 mortgage payment history with xxx #xxx w/36 month rating<br> 3) No derogatory credit or housing events<br> 4) 15 months reserves w/11 required<br> 5) Fico 799 w/740 required<br> 6) Low DTI at 19.92% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | XXX | Primary Residence | Purchase | NA | Originator Pre-Close | Yes |
| xxx | 87857 |  | B A | Closed | FCRE1194 | 2026-02-26 10:31 | 2026-02-26 10:31 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of xxxexceeds Guideline LTV of 85% Requesting LTV exception to xxx as Max allowed for living rent free 85% (Per Matrix 90% allowed for borrower's loan amount and Fico, but 5% cut for living rent free) - Due Diligence Vendor-02/26/2026 |  | Waived-Audited LTV of xxx exceeds Guideline LTV of 85% Requesting LTV exception to xxx as Max allowed for living rent free 85% (Per Matrix 90% allowed for borrower's loan amount and Fico, but 5% cut for living rent free) - Due Diligence Vendor-02/26/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 799 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 19.89% Is Less Than The Guideline Maximum Of 45% 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 0.04 | 1) Established businesses verified by CPA<br> 2) 0x30 mortgage payment history with xxx #xxx w/36 month rating<br> 3) No derogatory credit or housing events<br> 4) 15 months reserves w/11 required<br> 5) Fico 799 w/740 required<br> 6) Low DTI at 19.92% |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | XXX | Primary Residence | Purchase | NA | Originator Pre-Close | Yes |
| xxx | 88042 |  | C B A | Closed | FCRE1205 | 2026-02-26 15:32 | 2026-03-03 09:21 | Resolved | 1 - Information C A | Credit | Eligibility | OFAC Check Not Completed and/or Cleared | Resolved-OFAC cleared - Due Diligence Vendor-03/03/2026 <br> Rejected-02/27/2026: Document is not OFAC. It is an Alert summary from xxx- Due Diligence Vendor-02/27/2026 <br> Ready for Review-Document Uploaded. - Seller-02/26/2026 <br> Open-OFAC Check Not Completed and/or Cleared - Due Diligence Vendor-02/26/2026 | Ready for Review-Document Uploaded. - Seller-02/26/2026<br>| Resolved-OFAC cleared - Due Diligence Vendor-03/03/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 753 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 16.76% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | xxx.xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | XXX | Investment | Purchase | NA | N/A | N/A |
| xxx | 88042 |  | C B A | Closed | FCRE1195 | 2026-02-26 14:20 | 2026-02-26 14:20 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Audited CLTV of xxx exceeds Guideline CLTV of 75% Exception to xxx LTV with Max 75% allowed. Matrix 80% - 5% cut for FTHB on Investment property - Due Diligence Vendor-02/26/2026 |  | Waived-Audited CLTV of xxx exceeds Guideline CLTV of 75% Exception to xxx LTV with Max 75% allowed. Matrix 80% - 5% cut for FTHB on Investment property - Due Diligence Vendor-02/26/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 753 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 16.76% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | 1) Established business since 2022<br> 2) Low DTI at 15% with Max 45%<br> 3) Fico 753 with 680 required |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | XXX | Investment | Purchase | NA | Originator Pre-Close | Yes |
| xxx | 88042 |  | C B A | Closed | FCRE1196 | 2026-02-26 14:20 | 2026-02-26 14:20 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Waived-Audited HCLTV of xxx exceeds Guideline HCLTV of 75% Exception to xxx LTV with Max 75% allowed. Matrix 80% - 5% cut for FTHB on Investment property - Due Diligence Vendor-02/26/2026 |  | Waived-Audited HCLTV of xxx exceeds Guideline HCLTV of 75% Exception to xxx LTV with Max 75% allowed. Matrix 80% - 5% cut for FTHB on Investment property - Due Diligence Vendor-02/26/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 753 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 16.76% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | 1) Established business since 2022<br> 2) Low DTI at 15% with Max 45%<br> 3) Fico 753 with 680 required |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | XXX | Investment | Purchase | NA | Originator Pre-Close | Yes |
| xxx | 88042 |  | C B A | Closed | FCRE1194 | 2026-02-26 14:20 | 2026-02-26 14:20 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived-Audited LTV of xxx exceeds Guideline LTV of 75% Exception to xxx LTV with Max 75% allowed. Matrix 80% - 5% cut for FTHB on Investment property - Due Diligence Vendor-02/26/2026 |  | Waived-Audited LTV of xxx exceeds Guideline LTV of 75% Exception to xxx LTV with Max 75% allowed. Matrix 80% - 5% cut for FTHB on Investment property - Due Diligence Vendor-02/26/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 753 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 16.76% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | 1) Established business since 2022<br> 2) Low DTI at 15% with Max 45%<br> 3) Fico 753 with 680 required |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | XXX | Investment | Purchase | NA | Originator Pre-Close | Yes |
| xxx | 88043 |  | 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 | 88044 |  | D A | Closed | FCRE1202 | 2026-02-25 11:45 | 2026-02-26 15:02 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report Partially Provided | Resolved-02/26/2026 fraudguard provided - Due Diligence Vendor-02/26/2026 <br>Ready for Review-Document Uploaded. - Seller-02/25/2026 <br>Open-Third Party Fraud Report Partially Provided - Due Diligence Vendor-02/25/2026 | Ready for Review-Document Uploaded. - Seller-02/25/2026<br>| Resolved-02/26/2026 fraudguard provided - Due Diligence Vendor-02/26/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of xxx 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 780 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 - 15 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 134.37 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months |  | LoanSafeFraudManager.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| xxx | 88045 |  | D A | Closed | FCRE1202 | 2026-02-24 18:24 | 2026-02-26 15:29 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report Partially Provided | Resolved-02/262026: xxx provided - Due Diligence Vendor-02/26/2026 <br> Ready for Review-Document Uploaded. - Seller-02/25/2026 <br> Open-Third Party Fraud Report Partially Provided - Due Diligence Vendor-02/24/2026 | Ready for Review-Document Uploaded. - Seller-02/25/2026<br>| Resolved-02/262026: xxx provided - Due Diligence Vendor-02/26/2026 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 15 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 128.84 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of xxx 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 780 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| xxx | 88046 |  | D A | Closed | FCRE7347 | 2026-02-25 08:48 | 2026-02-26 15:44 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Per the lease it will turn to a month to month after expiration. - Due Diligence Vendor-02/26/2026 <br> Ready for Review-There are no new leases per #15 of each lease agreement lease turns mo to mo at end of annual term. Please clear condition. - Seller-02/25/2026 <br> Open-Provided Lease agreements are expired. please provide updated lease agreements for Address# xxx and xxx. - Due Diligence Vendor-02/25/2026 | Ready for Review-There are no new leases per #15 of each lease agreement lease turns mo to mo at end of annual term. Please clear condition. - Seller-02/25/2026<br>| Resolved-Per the lease it will turn to a month to month after expiration. - 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 - 6 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 71.53 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | XXX | Investment | Purchase | NA | N/A | N/A |
| xxx | 88047 |  | D A C | Closed | FCRE1183 | 2026-02-24 13:13 | 2026-02-27 13:43 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Approval/Underwriting Summary Partially Provided | Resolved-02/27/2026 Updated 1008 provided - Due Diligence Vendor-02/27/2026 <br> Ready for Review-Document Uploaded. Corrected 1008 and 1003 attached. Please clear condition - Seller-02/27/2026 <br> Open-1008/Underwriting Summary Partially Provided Final 1008 specifies Qualifying income as xxx but as per documents it is xxx as a result DTI is getting varied. Please provide the updated 1008. - Due Diligence Vendor-02/24/2026 | Ready for Review-Document Uploaded. Corrected 1008 and 1003 attached. Please clear condition - Seller-02/27/2026<br>| Resolved-02/27/2026 Updated 1008 provided - Due Diligence Vendor-02/27/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.51 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 777 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 19.84% 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 0.03<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.75 Years<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.75 Years |  | xxx - Corrected 1008 - Transmittal Summary.pdf<br> xxx - Corrected 1003.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 | 88047 |  | D A C | Closed | FCOM4227 | 2026-02-26 16:51 | 2026-02-27 13:41 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-02/27/2026: Closing disclosure provided dated xxx - Due Diligence Vendor-02/27/2026 <br> Ready for Review-Document Uploaded. - Seller-02/26/2026 <br> Open-\*\*\*\* Initial Closing Disclosure is Missing. Required to be received by the consumer 3 business days prior to consummation, has not been provided. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. Please provide ICD and proof of delivery to borrower - Due Diligence Vendor-02/26/2026 | Ready for Review-Document Uploaded. - Seller-02/26/2026<br>| Resolved-02/27/2026: Closing disclosure provided dated xxx - Due Diligence Vendor-02/27/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.51 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 777 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 19.84% 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 0.03<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.75 Years<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.75 Years |  | Initial CD.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 | 88047 |  | D A C | Closed | FCRE1202 | 2026-02-26 13:41 | 2026-02-27 13:39 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Third Party Fraud Report Partially Provided | Resolved-02/27/2026: xxx provided - Due Diligence Vendor-02/27/2026 <br> Ready for Review-Document Uploaded. - Seller-02/26/2026 <br> Open-Third Party Fraud Report Partially Provided . - Due Diligence Vendor-02/26/2026 | Ready for Review-Document Uploaded. - Seller-02/26/2026<br>| Resolved-02/27/2026: xxx provided - Due Diligence Vendor-02/27/2026 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 13.51 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 777 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 19.84% 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 0.03<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.75 Years<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.75 Years |  | 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 | 88048 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | XXX | Investment | Purchase | NA |  |  |
| xxx | 88179 |  | C A | Closed | finding-47 | 2026-03-03 00:40 | 2026-03-04 15:03 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-03/04/2026: Resolved. Closing disclosure provided - Due Diligence Vendor-03/04/2026 <br> Ready for Review-Document Uploaded. - Seller-03/04/2026 <br> Open-This loan failed the TILA right of rescission test.Closed-end (12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3)), Open-end (12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3))The funding date is before the third business day following consummation.The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. \*\*\*\*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-03/03/2026 <br> Open- - Due Diligence Vendor-03/03/2026 <br> Open- - Due Diligence Vendor-03/03/2026 | Ready for Review-Document Uploaded. - Seller-03/04/2026<br>| Resolved-03/04/2026: Resolved. Closing disclosure provided - Due Diligence Vendor-03/04/2026<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 0.02<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 84.75 Are Greater Than The Guideline Minimum Of 5 By Six (6) Or More Months<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV 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 747 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | Closing Disclosure - xxx.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 < 2% or less than $5000 | N/A | N/A |
| xxx | 88182 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | XXX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |
| xxx | 88049 |  | C A | Closed | FCRE1148 | 2026-03-03 16:10 | 2026-03-09 12:25 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien Loan Amount | Resolved-Title Coverage Amount of xxx is equal to or greater than Total Amount of Subject Lien - Due Diligence Vendor-03/09/2026 <br> Resolved-03/09/2026: Resolved. Policy amount of xxx provided. - Due Diligence Vendor-03/09/2026 <br> Ready for Review-Document Uploaded. - Seller-03/06/2026 <br> Open-Title Coverage is Less than Subject Lien Loan Amount As per Title report coverage amount is xxx but loan amount is xxx. Please provide updated document - Due Diligence Vendor-03/03/2026 | Ready for Review-Document Uploaded. - Seller-03/06/2026<br>| Resolved-Title Coverage Amount of xxx is equal to or greater than Total Amount of Subject Lien - Due Diligence Vendor-03/09/2026 <br> Resolved-03/09/2026: Resolved. Policy amount of xxx provided. - Due Diligence Vendor-03/09/2026 | Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.04<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 164.93 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 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 802 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | Proposed Insured & Loan Supplemental (3).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 | 88183 |  | 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 | 88184 |  | D A | Closed | FCRE1472 | 2026-03-04 12:26 | 2026-03-10 08:07 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 6 Missing | Resolved- 03/09/2026: Resolved. Asset removed with updated 1003. - Due Diligence Vendor-03/10/2026 <br> Open-Asset 6 Missing 03/09/2026: Resolved. Asset removed with updated 1003. - Due Diligence Vendor-03/09/2026 <br> Resolved-03/09/2026: Resolved. Asset removed with updated 1003. - Due Diligence Vendor-03/09/2026 <br> Ready for Review-Document Uploaded. Didn't end up using these assets as not needed. Attached corrected 1003/1008 removing assets. Please review and clear condition. - Seller-03/06/2026 <br> Open-Asset 6 Missing Provide the bank statement of xxx, account #xxx with balance is $30,598 - Due Diligence Vendor-03/04/2026 | Ready for Review-Document Uploaded. Didn't end up using these assets as not needed. Attached corrected 1003/1008 removing assets. Please review and clear condition. - Seller-03/06/2026<br>| Resolved- 03/09/2026: Resolved. Asset removed with updated 1003. - Due Diligence Vendor-03/10/2026 <br>Resolved-03/09/2026: Resolved. Asset removed with updated 1003. - Due Diligence Vendor-03/09/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.25 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 - 15 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.91 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 11.78% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 100.59 Are Greater Than The Guideline Minimum Of 8 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 780 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | xxx - Corrected 1008.pdf<br> xxx - Corrected 1003.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | XXX | Second Home | Purchase | NA | N/A | N/A |
| xxx | 88184 |  | D A | Closed | FCRE1475 | 2026-03-04 12:26 | 2026-03-09 11:04 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 9 Missing | Resolved-Asset 9 Provided Or Not Applicable - Due Diligence Vendor-03/09/2026 <br> Resolved-03/09/2026: Resolved. Asset removed with updated 1003. - Due Diligence Vendor-03/09/2026 <br> Ready for Review-Document Uploaded. Didn't end up using these assets as not needed. Attached corrected 1003/1008 removing assets. Please review and clear condition. - Seller-03/06/2026 <br> Open-Asset 9 Missing Provide the bank statement of xxx account #xxx with ending balance is xxx - Due Diligence Vendor-03/04/2026 | Ready for Review-Document Uploaded. Didn't end up using these assets as not needed. Attached corrected 1003/1008 removing assets. Please review and clear condition. - Seller-03/06/2026<br>| Resolved-Asset 9 Provided Or Not Applicable - Due Diligence Vendor-03/09/2026 <br>Resolved-03/09/2026: Resolved. Asset removed with updated 1003. - Due Diligence Vendor-03/09/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.25 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 - 15 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.91 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 11.78% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 100.59 Are Greater Than The Guideline Minimum Of 8 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 780 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | xxx - Corrected 1008.pdf<br> xxx - Corrected 1003.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | XXX | Second Home | Purchase | NA | N/A | N/A |
| xxx | 88184 |  | D A | Closed | FCRE1476 | 2026-03-04 12:36 | 2026-03-09 11:04 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 10 Missing | Resolved-Asset 10 Provided Or Not Applicable - Due Diligence Vendor-03/09/2026 <br> Resolved-03/09/2026: Resolved. Asset removed with updated 1003. - Due Diligence Vendor-03/09/2026 <br> Ready for Review-Document Uploaded. Didn't end up using these assets as not needed. Attached corrected 1003/1008 removing assets. Please review and clear condition. - Seller-03/06/2026 <br> Open-Asset 10 Missing Provide the bank statement of xxx account #xxx with ending balance xxx - Due Diligence Vendor-03/04/2026 | Ready for Review-Document Uploaded. Didn't end up using these assets as not needed. Attached corrected 1003/1008 removing assets. Please review and clear condition. - Seller-03/06/2026<br>| Resolved-Asset 10 Provided Or Not Applicable - Due Diligence Vendor-03/09/2026 <br>Resolved-03/09/2026: Resolved. Asset removed with updated 1003. - Due Diligence Vendor-03/09/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 12.25 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 - 15 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.91 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 11.78% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 100.59 Are Greater Than The Guideline Minimum Of 8 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 780 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | xxx - Corrected 1008.pdf<br> xxx- Corrected 1003.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | XXX | Second Home | Purchase | NA | N/A | N/A |
| xxx | 88186 |  | D A | Closed | FCRE7497 | 2026-03-06 09:11 | 2026-03-10 13:22 | 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 proof was provided for tax missing for # xxx Hazard insurance missing For #xxx #xxx #xxx #xxx - Due Diligence Vendor-03/10/2026 <br> Ready for Review-xxx & xxx shows first and 2nd half taxes. Initial condition only asked for taxes on this one. Please give list of what REO's your asking for as what was supplied was the properties specified. - Seller-03/09/2026 <br> Counter-03/09/2026: COUNTER: ONLY GAVE HOI FOR xxx, xxx AND xxx. ONLY GAVE 2ND HALF OF TAXES FOR PARCEL #'S xxx, xxx. NEED HOI FOR ALL REMAINING PROPERTIES AND 1ST AND 2ND HALF OF TAXES FOR ALL PROPERTIES. - Due Diligence Vendor-03/09/2026 <br> Ready for Review-Document Uploaded. - Seller-03/06/2026 <br> Open-tax missing for<br> # xxx<br> Hazard insurance missing For<br> #xxx<br> #xxx<br> #xxx<br> #xxx<br> - Due Diligence Vendor-03/06/2026 | Ready for Review-xxx & xxx shows first and 2nd half taxes. Initial condition only asked for taxes on this one. Please give list of what REO's your asking for as what was supplied was the properties specified. - Seller-03/09/2026 <br> Ready for Review-Document Uploaded. - Seller-03/06/2026 | Resolved-03/10/2026: Resolved proof was provided for tax missing for # xxx Hazard insurance missing For #xxx #xxx #xxx #xxx - Due Diligence Vendor-03/10/2026<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 - 33.18 Years<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Verified Borrower 2 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 - Verified Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 33.18 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Verified Calculated DTI Of 42.01% 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 - Verified Borrower At Current Residence For Five (5) Or More Years - 28 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Verified Qualifying FICO Of 778 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.85 Are Greater Than The Guideline Minimum Of 9 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 0.12 |  | xxx - xxx.taxes.pdf<br> xxx - xxx DR Ins.pdf<br> xxx - xxx_Insurance.pdf<br> xxx - xxx Taxees.pdf<br> xxx - xxx_Insurance.pdf<br> xxx - xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| xxx | 88186 |  | D A | Closed | FCRE1503 | 2026-03-06 09:07 | 2026-03-09 12:04 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-03/09/2026: RESOLVED. MORTGAGE STATEMENTS PROVIDED - Due Diligence Vendor-03/09/2026 <br> Ready for Review-Document Uploaded. xxx in xxx in xxx, REO information not required (on Fraud report). Please see attached for Ave - Seller-03/06/2026 <br> Open-Mortgage Statements Missing For Below Address.<br> #xxx<br> - Due Diligence Vendor-03/06/2026 | Ready for Review-Document Uploaded. xxx in xxx in xxx, REO information not required (on Fraud report). Please see attached for Ave - Seller-03/06/2026 | Resolved-03/09/2026: RESOLVED. MORTGAGE STATEMENTS PROVIDED - Due Diligence Vendor-03/09/2026<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 - 33.18 Years<br>Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Verified Borrower 2 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 - Verified Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 33.18 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Verified Calculated DTI Of 42.01% 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 - Verified Borrower At Current Residence For Five (5) Or More Years - 28 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Verified Qualifying FICO Of 778 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 32.85 Are Greater Than The Guideline Minimum Of 9 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 0.12 |  | xxx.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| xxx | 88192 |  | D A C | Closed | FCOM1544 | 2026-03-09 06:32 | 2026-03-10 13:37 | Resolved | 1 - Information D A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-03/10/2026: Resolved. A change of circumstance detail form and closing disclosure were provided - Due Diligence Vendor-03/10/2026 <br>Ready for Review-Document Uploaded. - Seller-03/10/2026 <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<br> - Due Diligence Vendor-03/09/2026 | Ready for Review-Document Uploaded. - Seller-03/10/2026<br>| Resolved-03/10/2026: Resolved. A change of circumstance detail form and closing disclosure were provided - Due Diligence Vendor-03/10/2026<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 - 14.66 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 - 14.67 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.2% 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 - 5.66 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.24<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 747 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | Final CD.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 | 88192 |  | D A C | Closed | FCRE1198 | 2026-03-09 08:12 | 2026-03-10 13:34 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Per page 43 of guidelines no reserves required. Reserve requirements are waived for Rate/ Term Refinance transactions when the transaction results in a reduction to the monthly principal and interest payment of 10% or greater AND housing history is 1x30x12 or better which apply for this rate/term refinance - Due Diligence Vendor-03/10/2026 <br>Ready for Review-Per page 43 of guidelines no reserves required. Reserve requirements are waived for Rate/ Term Refinance transactions when the transaction results in a reduction to the monthly principal and interest payment of 10% or greater AND housing history is 1x30x12 or better which apply for this rate/term refinance. Please clear condition. - Seller-03/10/2026 <br>Open-Audited Reserves of are less than Guideline Required Reserves of 6 Assets are not sufficient to cover the reserves requirement - Due Diligence Vendor-03/09/2026 | Ready for Review-Per page 43 of guidelines no reserves required. Reserve requirements are waived for Rate/ Term Refinance transactions when the transaction results in a reduction to the monthly principal and interest payment of 10% or greater AND housing history is 1x30x12 or better which apply for this rate/term refinance. Please clear condition. - Seller-03/10/2026<br>| Resolved-Per page 43 of guidelines no reserves required. Reserve requirements are waived for Rate/ Term Refinance transactions when the transaction results in a reduction to the monthly principal and interest payment of 10% or greater AND housing history is 1x30x12 or better which apply for this rate/term refinance - Due Diligence Vendor-03/10/2026<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 - 14.66 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 - 14.67 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.2% 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 - 5.66 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.24<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 747 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  |  | 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 | 88192 |  | D A C | Closed | FCOM1621 | 2026-03-10 09:38 | 2026-03-10 13:33 | Resolved | 1 - Information D A | Compliance | Missing Doc - Federal Disclosure | Initial Escrow Account Disclosure is Missing | Resolved-03/10/2026 Resolved. Received xxx loan impound disclosure and waiver and the escrow waiver forms. - Due Diligence Vendor-03/10/2026 <br> Ready for Review-Document Uploaded. - Seller-03/10/2026 <br> Open-Initial Escrow Account Disclosure is Missing - Due Diligence Vendor-03/10/2026 | Ready for Review-Document Uploaded. - Seller-03/10/2026<br>| Resolved-03/10/2026 Resolved. Received xxx loan impound disclosure and waiver and the escrow waiver forms. - Due Diligence Vendor-03/10/2026 | 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 - 14.66 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 - 14.67 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.2% 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 - 5.66 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.24<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 747 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | Impound discl and waiver.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 | 88200 |  | D A | Closed | FCRE1470 | 2026-03-09 14:51 | 2026-03-12 09:51 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 4 Missing | Resolved-03/12/2026: Resolved. Asset 4 was deleted. - Due Diligence Vendor-03/12/2026 <br> Ready for Review-Document Uploaded. UW did not use these assets to qualify, attached is corrected 1003/1008 removing assets. Please review and clear condition. - Seller-03/11/2026 <br> Open-Asset 4 Missing Provide two months bank statement for xxx #xxx which is having the value of xxx - Due Diligence Vendor-03/09/2026 | Ready for Review-Document Uploaded. UW did not use these assets to qualify, attached is corrected 1003/1008 removing assets. Please review and clear condition. - Seller-03/11/2026<br>| Resolved-03/12/2026: Resolved. Asset 4 was deleted. - Due Diligence Vendor-03/12/2026<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>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 20.22 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 795 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>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 |  | xxx - Corrected 1008 removing assets not being used.pdf<br> xxx - Corrected 1003 removing assets not being used.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 | 88201 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | XXX | Investment | Purchase | NA |  |  |
| xxx | 88206 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | XXX | Investment | Purchase | NA |  |  |
| xxx | 88208 |  | D A B | Closed | FCRE7497 | 2026-03-09 07:46 | 2026-03-12 10:30 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-03/12/2026: Resolved: Provided copy of note and first payment letter showing PITI. - Due Diligence Vendor-03/12/2026 <br> Ready for Review-03/10/2026: Counter: No proof of xxx listed on 1003. - Due Diligence Vendor-03/10/2026 <br> Ready for Review-Document Uploaded. HOA xxx per appraisal for xxx. - Seller-03/10/2026 <br> Open-Provide a copy of HOA and Mortgage statement for the property address xxx to calulate the rental income. - Due Diligence Vendor-03/09/2026 | Ready for Review-Document Uploaded. HOAxxx per appraisal for xxx. - Seller-03/10/2026 | Resolved-03/12/2026: Resolved: Provided copy of note and first payment letter showing PITI. - Due Diligence Vendor-03/12/2026<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 - 16.08 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 - 16.08 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.41% 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 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 51.94 Are Greater Than The Guideline Minimum Of 8 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 0.11<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 785 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | Closing Docs - 1st Payment Letter.pdf<br>Closing Docs - Certified Copy of 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 | 88208 |  | D A B | Closed | FCRE1480 | 2026-03-09 07:07 | 2026-03-10 14:58 | Resolved | 1 - Information C A | Credit | Assets | Asset 2 Does Not Meet Guideline Requirements | Resolved-03/10/2026: Resolved. xxx and xxx statement provided. - Due Diligence Vendor-03/10/2026 <br> Ready for Review-Document Uploaded. - Seller-03/10/2026 <br> Open-Asset 2 Does Not Meet Guideline Requirements Provide a copy of 2 months bank statement for xxx Acc# xxx which is having the balance of xxx - Due Diligence Vendor-03/09/2026 | Ready for Review-Document Uploaded. - Seller-03/10/2026<br>| Resolved-03/10/2026: Resolved. xxx and xxx statement provided. - Due Diligence Vendor-03/10/2026 | 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 - 16.08 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 - 16.08 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.41% 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 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 51.94 Are Greater Than The Guideline Minimum Of 8 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 0.11<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 785 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | 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 | 88208 |  | D A B | Closed | FCOM1621 | 2026-03-10 11:12 | 2026-03-10 14:48 | Resolved | 1 - Information B A | Compliance | Missing Doc - Federal Disclosure | Initial Escrow Account Disclosure is Missing | Resolved-03/10/2026: Resolved: Received initial escrow account disclosure statement - Due Diligence Vendor-03/10/2026 <br>Ready for Review-Document Uploaded. - Seller-03/10/2026 <br>Open-The Initial Escrow Account Disclosure provided on page #190 appears to be incomplete, as the second page is missing. Kindly provide the complete two pages of the Initial Escrow Account Disclosure. - Due Diligence Vendor-03/10/2026 | Ready for Review-Document Uploaded. - Seller-03/10/2026<br>| Resolved-03/10/2026: Resolved: Received initial escrow account disclosure statement - Due Diligence Vendor-03/10/2026<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 - 16.08 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 - 16.08 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.41% 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 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 51.94 Are Greater Than The Guideline Minimum Of 8 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 0.11<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 785 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | IEAC all pgs.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 | 88209 |  | C A | Closed | INFI1411 | 2026-03-09 08:53 | 2026-03-12 10:12 | Resolved | 1 - Information C A | Credit | Debt | No evidence of required debt payoff | Resolved-03/12/2026: Resolved . Provided final refinance statement. - Due Diligence Vendor-03/12/2026 <br> Ready for Review-Document Uploaded. - Seller-03/10/2026 <br> Open-Provide a copy of proof documents for installment account paid off :<br> xxx#xxx; xxx#xxx, xxx#xxx - Due Diligence Vendor-03/09/2026 | Ready for Review-Document Uploaded. - Seller-03/10/2026<br>| Resolved-03/12/2026: Resolved . Provided final refinance statement. - Due Diligence Vendor-03/12/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 36.41% 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 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.09<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 785 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 - 15.92 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 - 9.83 Years |  | Final Borrower Statement (25).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | XXX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| xxx | 88211 |  | D A | Closed | FCRE7497 | 2026-03-11 10:23 | 2026-03-12 10:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-03/12/2026: Resolved. Provided proof of $0.00 HOA. - Due Diligence Vendor-03/12/2026 <br> Ready for Review-Document Uploaded. - Seller-03/11/2026 <br> Open-Missing HOA for property #xxx. - Due Diligence Vendor-03/11/2026 | Ready for Review-Document Uploaded. - Seller-03/11/2026<br>| Resolved-03/12/2026: Resolved. Provided proof of $0.00 HOA. - Due Diligence Vendor-03/12/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 6.58 Years<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 9.16 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 787 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points |  | Dept Res - xxx - No HOA dues.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 | 88213 |  | 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 | 88221 |  | 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 | 88226 |  | C A | Closed | FCRE1159 | 2026-03-09 10:01 | 2026-03-12 10:25 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Disbursement Date | Resolved-03/12/2026: Resolved: Provided EOI with effective date of xxx. - Due Diligence Vendor-03/12/2026 <br> Ready for Review-Document Uploaded. - Seller-03/10/2026 <br> Open-Hazard Insurance Effective Date of xxx is after the Disbursement Date of xxx, disbursement date & cloing date is xxx - Due Diligence Vendor-03/09/2026 | Ready for Review-Document Uploaded. - Seller-03/10/2026<br>| Resolved-03/12/2026: Resolved: Provided EOI with effective date of xxx. - Due Diligence Vendor-03/12/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 766 is Greater Than The Guideline Minimum Of 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 0.09<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.06 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.69% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Invoice & EOI_xxx - xxx.pdf<br> xxx PCCD - Closing Disclosure.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 | 88204 |  | 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 | 88217 |  | C A | Closed | finding-3939 | 2026-03-12 10:05 | 2026-03-26 10:39 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-Resolved 03/26/2026: Received Lock Confirmation dated xxx and exception was cleared. - Due Diligence Vendor-03/26/2026 <br> Resolved- - Due Diligence Vendor-03/26/2026 <br> Ready for Review-We didn't do a locked LE we did a Locked CD. - Seller-03/26/2026 <br> Counter-Please provide Revised Loan Estimate.<br> 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-03/26/2026 <br> Ready for Review-Document Uploaded. - Seller-03/25/2026 <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. • 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-03/13/2026 <br> Open- - Due Diligence Vendor-03/13/2026 <br> Open- - Due Diligence Vendor-03/12/2026 | Ready for Review-We didn't do a locked LE we did a Locked CD. - Seller-03/26/2026 <br>Ready for Review-Document Uploaded. - Seller-03/25/2026<br>| Resolved-Resolved 03/26/2026: Received Lock Confirmation dated xxx and exception was cleared. - Due Diligence Vendor-03/26/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 736 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 11.6 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.19% 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 - 11.52 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 - 11.52 Years |  | Lock Confirmation xxx.pdf<br> FW_ xxx xxx-POST CLOSING.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 | 88212 |  | B A | Closed | FCRE1200 | 2026-03-13 15:10 | 2026-03-13 15:10 | 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 300000 Loan amount of xxx is lower than minimum Loan amount of $300K - Due Diligence Vendor-03/13/2026 |  | Waived-Audited Loan Amount of xxx is less than the Guideline Minimum Loan Amount of 300000 Loan amount of xxx is lower than minimum Loan amount of $300K - Due Diligence Vendor-03/13/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 798 is Greater Than The Guideline Minimum Of 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 110.47 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.1<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 25.95% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More | FICO-798<br> LTV-xxx<br> Strong history of owning a primary. Current is a few months old but prior to that owned for 7 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 Pre-Close | Yes |
| xxx | 88187 |  | C A | Closed | FCOM1252 | 2026-03-20 11:11 | 2026-03-26 10:54 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-Resolved 03/26/2026: Received Revised Loan Estimate dated 02/06/2026 and exception was cleared. - Due Diligence Vendor-03/26/2026 <br> Ready for Review-Document Uploaded. The borrower viewed on xxx and esigned on xxx.<br>I have included the audit trail. <br> - Seller-03/26/2026 <br> Counter-Again we received 02/05/2026 Revised Loan Estimate, Please provide 02/06/2026 dated Revised Loan estimate. - Due Diligence Vendor-03/25/2026 <br> Ready for Review-Document Uploaded. - Seller-03/24/2026 <br> Counter-Please provide 02/06/2026 dated Revised Loan estimate.<br> \*\*\*\*\*\*Documentation provided does not contain the Revised Loan estimated dated (02/06/2026) & COC provided on page 368 within three Business days doesn't have Corresponding Revised Loan Estimate. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-03/24/2026 <br> Ready for Review-Document Uploaded. - Seller-03/23/2026 <br> Open-\*\*\*\*\*\*Documentation provided does not contain the Revised Loan estimated & COC provided on page 368 & dated xxx within three Business days doesn't have Corresponding Revised Loan Estimate. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings.<br> - Due Diligence Vendor-03/20/2026 | Ready for Review-Document Uploaded. The borrower viewed on xxx and esigned on xxx.<br>I have included the audit trail. <br> - Seller-03/26/2026 <br> Ready for Review-Document Uploaded. - Seller-03/24/2026 <br> Ready for Review-Document Uploaded. - Seller-03/23/2026 | Resolved-Resolved 03/26/2026: Received Revised Loan Estimate dated 02/06/2026 and exception was cleared. - Due Diligence Vendor-03/26/2026<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 0.1<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 14.54 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years |  | 2.5 COC LE - Signed.pdf<br> LE 2.6.pdf<br> COC LE 2.6.pdf<br> xxx xxx Trail.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 | 88187 |  | C A | Closed | FCOM4227 | 2026-03-20 11:11 | 2026-03-24 03:48 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-Resolved 03/24/2026: Received Revised Closing Disclosure dated xxx and exception was cleared. - Due Diligence Vendor-03/24/2026 <br> Ready for Review-Document Uploaded. - Seller-03/23/2026 <br> Open-\*\*\*\*\*\*Documentation provided does not contain the Revised Closing Disclosure & COC provided on page 378 & dated xxx within three Business days doesn't have Corresponding Revised Closing Disclosure. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-03/20/2026 | Ready for Review-Document Uploaded. - Seller-03/23/2026<br>| Resolved-Resolved 03/24/2026: Received Revised Closing Disclosure dated xxx and exception was cleared. - Due Diligence Vendor-03/24/2026 | 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 0.1<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 14.54 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Validated Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years |  | xxx COC 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 | 88197 |  | D A | Closed | finding-3631 | 2026-03-24 11:56 | 2026-04-06 08:37 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Resolved 04/06/2026: Received COC for Final closing Disclosure and exception was cleared.<br> - Due Diligence Vendor-04/06/2026 <br>Resolved- - Due Diligence Vendor-04/06/2026 <br>Open- - Due Diligence Vendor-04/03/2026 <br>Open-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-03/24/2026 |  | Resolved-Resolved 04/06/2026: Received COC for Final closing Disclosure and exception was cleared.<br> - Due Diligence Vendor-04/06/2026<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 - 6.20 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 51.48 Are Greater Than The Guideline Minimum Of 8 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 - 6 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 760 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 - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| xxx | 88197 |  | D A | Closed | finding-3632 | 2026-03-24 11:56 | 2026-04-06 08:36 | Resolved | 1 - Information A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Resolved 04/06/2026: Received COC for Final closing Disclosure and exception was cleared.<br> - Due Diligence Vendor-04/06/2026 <br>Resolved- - Due Diligence Vendor-04/06/2026 <br>Open- - Due Diligence Vendor-04/03/2026 <br>Open-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. - Due Diligence Vendor-03/24/2026 |  | Resolved-Resolved 04/06/2026: Received COC for Final closing Disclosure and exception was cleared.<br> - Due Diligence Vendor-04/06/2026 <br>Resolved- - Due Diligence Vendor-04/06/2026<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 - 6.20 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 51.48 Are Greater Than The Guideline Minimum Of 8 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 - 6 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 760 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 - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| xxx | 88197 |  | D A | Closed | finding-3634 | 2026-03-24 11:56 | 2026-04-06 08:32 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-Resolved 04/06/2026: Received COC for Final closing Disclosure and exception was cleared. - Due Diligence Vendor-04/06/2026 <br> Resolved- - Due Diligence Vendor-04/06/2026 <br> Ready for Review-Document Uploaded. - Seller-04/03/2026 <br> Open-The following charges have been either added or increased: Loan Amount (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.<br> - Due Diligence Vendor-04/03/2026 <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). - Due Diligence Vendor-04/03/2026 <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). - Due Diligence Vendor-03/24/2026 | Ready for Review-Document Uploaded. - Seller-04/03/2026<br>| Resolved-Resolved 04/06/2026: Received COC for Final closing Disclosure and exception was cleared. - Due Diligence Vendor-04/06/2026 <br>Resolved- - Due Diligence Vendor-04/06/2026<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 - 6.20 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 51.48 Are Greater Than The Guideline Minimum Of 8 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 - 6 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 760 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 - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0 |  | COC.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 | 88197 |  | D A | Closed | FCOM4227 | 2026-03-20 10:24 | 2026-04-03 03:06 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-Resolved 04/03/2026: Received Revised Closing Disclosure dated xxx & xxx and exception was cleared. - Due Diligence Vendor-04/03/2026 <br> Ready for Review-Document Uploaded. - Seller-04/02/2026 <br> Open-Please provide Revised Closing Disclosure Dated - xxx & xxx.<br> \*\*\*\*\*\*Documentation provided does not contain the Revised Closing Disclosure Dated - xxx & xxx Corresponding Revised Closing Disclosure. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-03/24/2026 <br> Open-<br> \*\*\*\*\*\*Documentation provided does not contain the Revised Closing Disclosure & (COC - xxx & xxx) Corresponding Revised Closing Disclosure. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings.<br> - Due Diligence Vendor-03/20/2026 | Ready for Review-Document Uploaded. - Seller-04/02/2026<br>| Resolved-Resolved 04/03/2026: Received Revised Closing Disclosure dated xxx & xxx and exception was cleared. - Due Diligence Vendor-04/03/2026 | 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 - 6.20 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 51.48 Are Greater Than The Guideline Minimum Of 8 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 - 6 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 760 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 - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0 |  | xxx COC CD xxx.pdf<br> xxx COC CD 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 | 88197 |  | D A | Closed | INFI1345 | 2026-03-20 10:21 | 2026-03-24 12:12 | Resolved | 1 - Information B A | Compliance | Missing Doc | Homeowner's Counseling disclosure is missing. | Resolved-Resolved 03/24/2026: Received Homeowner's Counseling disclosure dated xxx and exception was cleared. - Due Diligence Vendor-03/24/2026 <br> Ready for Review-Uploaded initial disclosures signed to other condition, sorry about that! - Seller-03/24/2026 <br> Open-Homeowner's Counseling disclosure is missing. - Due Diligence Vendor-03/20/2026 | Ready for Review-Uploaded initial disclosures signed to other condition, sorry about that! - Seller-03/24/2026<br>| Resolved-Resolved 03/24/2026: Received Homeowner's Counseling disclosure dated xxx and exception was cleared. - Due Diligence Vendor-03/24/2026 | 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 - 6.20 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 51.48 Are Greater Than The Guideline Minimum Of 8 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 - 6 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 760 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 - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| xxx | 88197 |  | D A | Closed | INFI1255 | 2026-03-20 10:20 | 2026-03-24 12:11 | Resolved | 1 - Information D A | Compliance | Compliance | Missing Affiliated Business Disclosure | Resolved-We have no affiliates, this form is not required - Due Diligence Vendor-03/24/2026 <br>Ready for Review-We have no affiliates, this form is not required - Seller-03/24/2026 <br>Open-Missing Affiliated Business Disclosure - Due Diligence Vendor-03/20/2026 | Ready for Review-We have no affiliates, this form is not required - Seller-03/24/2026<br>| Resolved-We have no affiliates, this form is not required - Due Diligence Vendor-03/24/2026<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 - 6.20 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 51.48 Are Greater Than The Guideline Minimum Of 8 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 - 6 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 760 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 - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| xxx | 88197 |  | D A | Closed | FCOM1797 | 2026-03-20 10:20 | 2026-03-24 12:11 | Resolved | 1 - Information B A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-Resolved 03/24/2026: Received Service Provider List dated xxx and exception was cleared. - Due Diligence Vendor-03/24/2026 <br> Ready for Review-Document Uploaded. Please see attached signed initial disclosures - Seller-03/24/2026 <br> Open-Service Provider List is Missing - Due Diligence Vendor-03/20/2026 | Ready for Review-Document Uploaded. Please see attached signed initial disclosures - Seller-03/24/2026<br>| Resolved-Resolved 03/24/2026: Received Service Provider List dated xxx and exception was cleared. - Due Diligence Vendor-03/24/2026 | 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 - 6.20 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 51.48 Are Greater Than The Guideline Minimum Of 8 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 - 6 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 760 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 - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0 |  | Disclosures - Initial signed.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 | 88197 |  | D A | Closed | FCOM1252 | 2026-03-20 10:22 | 2026-03-24 12:09 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-Resolved 03/24/2026: Received Initial Loan Estimate dated 01/15/2026 and exception was cleared. - Due Diligence Vendor-03/24/2026 <br>Ready for Review-Uploaded initial disclosures signed to other condition, sorry about that! - Seller-03/24/2026 <br>Open-\*\*\*\*\*\*Documentation provided does not contain the Initial Loan Estimate. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. - Due Diligence Vendor-03/20/2026 | Ready for Review-Uploaded initial disclosures signed to other condition, sorry about that! - Seller-03/24/2026<br>| Resolved-Resolved 03/24/2026: Received Initial Loan Estimate dated 01/15/2026 and exception was cleared. - Due Diligence Vendor-03/24/2026<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 - 6.20 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 51.48 Are Greater Than The Guideline Minimum Of 8 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 - 6 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 760 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 - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| xxx | 88197 |  | D A | Closed | FCRE1503 | 2026-03-23 20:40 | 2026-03-24 11:18 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-03/24/2026: Received copy of signed note and signed first payment letter. - Due Diligence Vendor-03/24/2026 <br> Ready for Review-Document Uploaded. - Seller-03/24/2026 <br> Open-Mortgage Statement missing # xxx # xxx # xxx - Due Diligence Vendor-03/24/2026 | Ready for Review-Document Uploaded. - Seller-03/24/2026<br>| Resolved-03/24/2026: Received copy of signed note and signed first payment letter. - Due Diligence Vendor-03/24/2026<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 - 6.20 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 51.48 Are Greater Than The Guideline Minimum Of 8 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 - 6 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 760 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 - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0 |  | Closing Docs - 1st Payment Letter.pdf<br>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 | 88197 |  | D A | Closed | FCRE7497 | 2026-03-23 20:42 | 2026-03-24 11:12 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-03/24/2026: Resolved: received documentation - Due Diligence Vendor-03/24/2026 <br> Ready for Review-Document Uploaded. Please see attached HOI and Tax Cert. HOA is disclosed on appraisal at xxx attached - Seller-03/24/2026 <br> Open-Missing Tax cert # xxx # xxx # xxx<br> Missing Hazard Insurance # xxx # xxx # xxx<br> Missing HOA Statement # xxx # xxx # xxx - Due Diligence Vendor-03/24/2026 | Ready for Review-Document Uploaded. Please see attached HOI and Tax Cert. HOA is disclosed on appraisal atxxx attached - Seller-03/24/2026 | Resolved-03/24/2026: Resolved: received documentation - Due Diligence Vendor-03/24/2026<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 - 6.20 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 51.48 Are Greater Than The Guideline Minimum Of 8 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 - 6 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Validated Qualifying FICO Of 760 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 - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0 |  | HOI.pdf<br> xxx_Property_Tax_Rates_Calculation.pdf<br> Appraisal HOA dues.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 | 88202 |  | D A | Closed | FCOM1240 | 2026-03-24 16:46 | 2026-03-27 10:48 | Resolved | 1 - Information C A | Compliance | NMLS | Loan Originator Company NMLS is Not Valid | Resolved-Resolved-03/27/2026- Business purpose loan NMLS ID not required. - Due Diligence Vendor-03/27/2026 <br> Ready for Review-This is a business purpose loan so licensing is not required - Seller-03/25/2026 <br> Open-Provide documentation to evidence the lending parties are registered in the state of xxx with the xxx as required by the secure and Fair Enforcement for mortgage licensing act. at the time of review registration could only be located for the state of california. - Due Diligence Vendor-03/24/2026 | Ready for Review-This is a business purpose loan so licensing is not required - Seller-03/25/2026<br>| Resolved-Resolved-03/27/2026- Business purpose loan NMLS ID not required. - Due Diligence Vendor-03/27/2026<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 - 8.78 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 766 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.95 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.71% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| xxx | 88202 |  | D A | Closed | FCOM1544 | 2026-03-24 15:38 | 2026-03-25 12:18 | Resolved | 1 - Information D A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-Resolved 03/25/2026: Received Final ALTA Settlement Statement and exception was cleared. - Due Diligence Vendor-03/25/2026 <br>Ready for Review-Document Uploaded. FSS attached, this is a business purpose - Seller-03/24/2026 <br>Open-Final Closing Disclosure is Missing in the loan file - Due Diligence Vendor-03/24/2026 | Ready for Review-Document Uploaded. FSS attached, this is a business purpose - Seller-03/24/2026<br>| Resolved-Resolved 03/25/2026: Received Final ALTA Settlement Statement and exception was cleared. - Due Diligence Vendor-03/25/2026<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.78 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 766 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 36.95 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.71% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  | Final ALTA SS.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | XXX | Investment | Refinance | Cash Out - Other | N/A | N/A |
| xxx | 88205 |  | 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 |  |  |
| xxx | 88229 |  | C A | Closed | FCRE1176 | 2026-03-20 07:11 | 2026-03-24 11:25 | Resolved | 1 - Information C A | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Resolved-03/24/2026: Resolved: The disbursement date is after the effective date of the insurance. - Due Diligence Vendor-03/24/2026 <br> Ready for Review-Document Uploaded. Loan funded xxx Please see attached FSS. - Seller-03/24/2026 <br> Open-HO-6 Insurance Policy Effective Date of xxx is after the Note Date of xxx. - Due Diligence Vendor-03/20/2026 | Ready for Review-Document Uploaded. Loan funded xxx Please see attached FSS. - Seller-03/24/2026 | Resolved-03/24/2026: Resolved: The disbursement date is after the effective date of the insurance. - Due Diligence Vendor-03/24/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 748 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.99 Are Greater Than The Guideline Minimum Of 10 By Six (6) Or More Months<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 20 Years |  | fss.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | XXX | Investment | Purchase | NA | N/A | N/A |
| xxx | 88233 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | XXX | Investment | Purchase | NA |  |  |
| xxx | 87828 |  | B A | Closed | FCRE8611 | 2026-03-24 16:09 | 2026-03-24 16:09 | Waived | 2 - Non-Material B | Credit | Income | Income/Employment General | Waived-Requesting exception for use of boarder income. Subject property is currently rented by the room to multiple tenants including ADU on property with a total of 4 current/active leases in the amount of xxx/mo- Copy of lease agreements and verification of receipt of rent in file. Subject property xxx supports xxx/mo in estimated market rents - using 125% of estimated market rents = xxx/mo for DSCR qualifying as allowed based on verification of receipt of boarder rental income - Due Diligence Vendor-03/24/2026 |  | Waived-Requesting exception for use of boarder income. Subject property is currently rented by the room to multiple tenants including ADU on property with a total of 4 current/active leases in the amount of xxx/mo- Copy of lease agreements and verification of receipt of rent in file. Subject property xxx supports xxx/mo in estimated market rents - using 125% of estimated market rents = xxx/mo for DSCR qualifying as allowed based on verification of receipt of boarder rental income - Due Diligence Vendor-03/24/2026 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 789 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points | The Credit report FICO score has a 792 and has owned their primary residence for the past seven years. |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | XXX | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes |
| xxx | 88210 |  | 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 | 88227 |  | D A | Closed | FCRE1503 | 2026-03-24 19:55 | 2026-03-26 13:27 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-03/26/2026: PROOF OF PITI xxx - Due Diligence Vendor-03/26/2026 <br> Ready for Review-Document Uploaded. - Seller-03/26/2026 <br> Open-First Payment Letter Missing for Primary residence #xxx - Due Diligence Vendor-03/24/2026 | Ready for Review-Document Uploaded. - Seller-03/26/2026<br>| Resolved-03/26/2026: PROOF OF PITI xxx - Due Diligence Vendor-03/26/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 797 is Greater Than The Guideline Minimum Of 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 833.47 Are Greater Than The Guideline Minimum Of 7 By Six (6) Or More Months<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of xxx 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 33.11% 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 - Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Not Met - Credit Line Usage Ratio equals 0.25 |  | Closing Docs - 1st Payment Letter.pdf<br>Closing Docs - Certified Copy of Note.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | XXX | Second Home | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| xxx | 88577 |  | D A | Closed | FCOM1232 | 2026-03-27 09:20 | 2026-04-03 11:01 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Missing | Resolved-04/03/2026: Resolved. Received 1003 - Due Diligence Vendor-04/03/2026 <br>Ready for Review-Document Uploaded. - Seller-04/02/2026 <br>Open-The Final 1003 is Missing. - Due Diligence Vendor-03/27/2026 | Ready for Review-Document Uploaded. - Seller-04/02/2026<br>| Resolved-04/03/2026: Resolved. Received 1003 - Due Diligence Vendor-04/03/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.84 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 788 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12 Years |  | Final_1003.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | XXX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| xxx | 88577 |  | D A | Closed | FCOM1544 | 2026-03-27 09:39 | 2026-04-03 03:18 | Resolved | 1 - Information D A | Compliance | Missing Doc - CD | TRID: Missing Final Closing Disclosure | Resolved-Resolved 04/03/2026: Received Final Settlement Statement and exception was cleared. - Due Diligence Vendor-04/03/2026 <br>Ready for Review-Document Uploaded. - Seller-04/02/2026 <br>Open-Missing Final Closing Disclosure / Final Settlement Statement Missing - Due Diligence Vendor-03/30/2026 | Ready for Review-Document Uploaded. - Seller-04/02/2026<br>| Resolved-Resolved 04/03/2026: Received Final Settlement Statement and exception was cleared. - Due Diligence Vendor-04/03/2026<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 17.84 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 788 is Greater Than The Guideline Minimum Of 720 By Twenty (20) or More Points<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12 Years |  | Borrower Statement (1).pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | XXX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| xxx | 88216 |  | B A | Closed | FCRE1183 | 2026-03-26 17:10 | 2026-03-31 08:20 | Resolved | 1 - Information B A | Credit | Missing Doc - Approval Info | Approval/Underwriting Summary Partially Provided | Resolved-03/31/2026: Resolved. Received 1008 - Due Diligence Vendor-03/31/2026 <br>Ready for Review-Document Uploaded. - Seller-03/30/2026 <br>Open-1008/Underwriting Summary Partially Provided DTI calculation is incorrect. Please provide updated 1008. - Due Diligence Vendor-03/26/2026 | Ready for Review-Document Uploaded. - Seller-03/30/2026<br>| Resolved-03/31/2026: Resolved. Received 1008 - Due Diligence Vendor-03/31/2026<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 - 6.39 Years<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 717 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.91 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 35.03% 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 - 5.55 Years |  | 1008 - Transmittal Summary.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 | 88582 |  | C B A | Closed | FCOM4227 | 2026-03-26 10:29 | 2026-03-31 12:19 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-Resolved 03/31/2026: Received Revised Closing Disclosure dated xxx and exception was cleared. - Due Diligence Vendor-03/31/2026 <br> Ready for Review-Document Uploaded. - Seller-03/31/2026 <br> Open-\*\*\*\*Documentation Provided does not contain the Revised Closing Disclosure. Provide the complete TRID disclosure history and all TRID disclosures (Revised CD) together with all associated Changed Circumstance page# 734 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-03/26/2026 | Ready for Review-Document Uploaded. - Seller-03/31/2026<br>| Resolved-Resolved 03/31/2026: Received Revised Closing Disclosure dated xxx and exception was cleared. - Due Diligence Vendor-03/31/2026 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 797 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of xxx 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 350.36 Are Greater Than The Guideline Minimum Of 5 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 0.11<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.41% 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 - 16.38 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.38 Years |  | xxx COC CD.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 | 88582 |  | C B A | Closed | FCRE1437 | 2026-03-26 08:05 | 2026-03-26 08:05 | Waived | 2 - Non-Material B | Credit | Income | Income and Employment Do Not Meet Guidelines | Waived-Income and Employment Do Not Meet Guidelines 1) Funds are lacking 90 days of seasoning for asset allowance.<br> 2) Paper trail provided to document that funds were in RSU account. - Due Diligence Vendor-03/26/2026 |  | Waived-Income and Employment Do Not Meet Guidelines 1) Funds are lacking 90 days of seasoning for asset allowance.<br> 2) Paper trail provided to document that funds were in RSU account. - Due Diligence Vendor-03/26/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 797 is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of xxx 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 350.36 Are Greater Than The Guideline Minimum Of 5 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 0.11<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.41% 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 - 16.38 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 16.38 Years | 15 year+ xxx employee<br> DTI-22.466%<br> FICO-797 |  | 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 | 88587 |  | C A | Closed | FCRE1143 | 2026-03-30 03:44 | 2026-04-03 12:14 | Resolved | 1 - Information C A | Credit | Eligibility | Builder is in control of HOA | Resolved-4/3/2026 Resolved. This is not part of the applicable guideline "Per the guidelines: A copy of the Master Agreement for proof that the homeowners are to take control upon either a predetermined percentage of unit sales or within a defined time period." as previously stated. Guides do state "Any project where the developer (or its affiliates) owns the Common and/or Limited Elements and leases the elements back to the HOA". This does not apply as nothing is leased back to the HOA. - Due Diligence Vendor-04/03/2026 <br>Counter-04/01/2026: Countered. Per the guidelines: A copy of the Master Agreement for proof that the homeowners are to take control upon either a predetermined percentage of unit sales or within a defined time period. - Due Diligence Vendor-04/01/2026 <br>Ready for Review-Borrower/developer is one and the same, please clear condition - Seller-03/31/2026 <br>Open-The Builder is in control of the HOA The Loan File is Condominium Detached. The Builder is in control of the HOA - Due Diligence Vendor-03/30/2026 | Ready for Review-Borrower/developer is one and the same, please clear condition - Seller-03/31/2026<br>| Resolved-4/3/2026 Resolved. This is not part of the applicable guideline "Per the guidelines: A copy of the Master Agreement for proof that the homeowners are to take control upon either a predetermined percentage of unit sales or within a defined time period." as previously stated. Guides do state "Any project where the developer (or its affiliates) owns the Common and/or Limited Elements and leases the elements back to the HOA". This does not apply as nothing is leased back to the HOA. - Due Diligence Vendor-04/03/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 798 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of xxx 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 79.35 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | XXX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| xxx | 88591 |  | 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 |  |  |
| xxx | 88616 |  | 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 | 88574 |  | B A | Closed | FVAL9739 | 2026-03-31 08:40 | 2026-03-31 08:40 | Waived | 2 - Non-Material B | Property | Appraisal | Property/Appraisal General | Waived-Subject property is an . LTV is currently at max at xxx for . The appraiser notes that there are no modifications for use as an that will adversely effect marketability as residential property - Due Diligence Vendor-03/31/2026 |  | Waived-Subject property is an . LTV is currently at max at xxx for . The appraiser notes that there are no modifications for use as an that will adversely effect marketability as residential property - Due Diligence Vendor-03/31/2026 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 26.69 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months | 1.)Mortgage history-0X30X24+ <br> 2.)Experienced-Experienced Investor <br> 3.) Depth of credit profile-Oldest Tradeline-1995 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | XXX | Investment | Refinance | Cash Out - Other | Originator Pre-Close | Yes |
| xxx | 88218 |  | 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 | 88585 |  | 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 | 88220 |  | B A | Closed | FCRE1195 | 2026-03-31 08:30 | 2026-03-31 08:31 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Open-Audited CLTV of xxx exceeds Guideline CLTV of 60% CLTV Exception of 5% to allow up to xxx CLTV - Due Diligence Vendor-03/31/2026 |  |  | Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.84 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.17 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.49% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 92.57 Are Greater Than The Guideline Minimum Of 8 By Six (6) Or More Months | FICO-771<br> Reserves-47 Months (8 required per program) |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | XXX | Investment | Purchase | NA | Originator Pre-Close | Yes |
| xxx | 88220 |  | B A | Closed | FCRE1196 | 2026-03-31 08:30 | 2026-03-31 08:31 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Open-Audited HCLTV of xxx exceeds Guideline HCLTV of 60% CLTV Exception of 5% to allow up to xxx CLTV - Due Diligence Vendor-03/31/2026 |  |  | Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.84 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 13.17 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.49% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 92.57 Are Greater Than The Guideline Minimum Of 8 By Six (6) Or More Months | FICO-771<br> Reserves-47 Months (8 required per program) |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | XXX | Investment | Purchase | NA | Originator Pre-Close | Yes |
| xxx | 88225 |  | C A | Closed | FCRE1726 | 2026-03-31 08:48 | 2026-04-07 08:02 | Resolved | 1 - Information C A | Credit | Borrower | Potential Identity Issues identified in the file | Resolved-04/07/2026: Resolved. Received copy of drivers license. - Due Diligence Vendor-04/07/2026 <br>Ready for Review-Document Uploaded. Current DL attached. Please review and clear condition. - Seller-04/06/2026 <br>Open-The Driving License is provided in the file. Hence the DL is expired. please provide updated DL - Due Diligence Vendor-03/31/2026 | Ready for Review-Document Uploaded. Current DL attached. Please review and clear condition. - Seller-04/06/2026<br>| Resolved-04/07/2026: Resolved. Received copy of drivers license. - Due Diligence Vendor-04/07/2026<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 - 27.15 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 - 27.15 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 24 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 18.06% 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 91.33 Are Greater Than The Guideline Minimum Of 8 By Six (6) Or More Months<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 774 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx - Current DL.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 | 88603 |  | C B A | Closed | FCRE1176 | 2026-03-31 10:43 | 2026-04-03 10:46 | Resolved | 1 - Information C A | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Resolved-04/03/2026: Resolved. The effective date of the HO6 is xxx. The disbursement date is xxx. This is okay - Due Diligence Vendor-04/03/2026 <br> Ready for Review-Document Uploaded. - Seller-04/02/2026 <br> Open-HO-6 Insurance Policy Effective Date of xxx is after the Note Date of xxx - Due Diligence Vendor-03/31/2026 | Ready for Review-Document Uploaded. - Seller-04/02/2026<br>| Resolved-04/03/2026: Resolved. The effective date of the HO6 is xxx. The disbursement date is xxx. This is okay - Due Diligence Vendor-04/03/2026 | Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 37.33 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 - 37.32 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 - 36.00 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 25.83 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 0.12<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 230.73 Are Greater Than The Guideline Minimum Of 10 By Six (6) Or More Months<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of xxx 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 791 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  | fss.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | XXX | Investment | Purchase | NA | N/A | N/A |
| xxx | 88603 |  | C B A | Closed | FCRE1143 | 2026-03-31 10:36 | 2026-04-02 10:55 | Waived | 2 - Non-Material B | Credit | Eligibility | Builder is in control of HOA | Waived-The Builder is in control of the HOA Condo Project without inflation guard on Master HOI Policy. Request to use current builder budget. - Due Diligence Vendor-03/31/2026 |  | Waived-The Builder is in control of the HOA Condo Project without inflation guard on Master HOI Policy. Request to use current builder budget. - Due Diligence Vendor-03/31/2026<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 - 37.33 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 - 37.32 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 - 36.00 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 25.83 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 0.12<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 230.73 Are Greater Than The Guideline Minimum Of 10 By Six (6) Or More Months<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of xxx 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 791 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points | \* LTV-xxx<br> \* FICO-791 |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | XXX | Investment | Purchase | NA | Originator Pre-Close | Yes |
| xxx | 88581 |  | 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 | 88223 |  | 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 | 88593 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | XXX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |
| xxx | 88598 |  | C A | Closed | finding-47 | 2026-04-02 08:33 | 2026-04-06 09:14 | Resolved | 1 - Information C A | Compliance | Right to Rescind | TILA Right of Rescission Test | Resolved-Resolved 04/06/2026: Received PCCD with funding date xxx and exception was cleared.<br> - Due Diligence Vendor-04/06/2026 <br> Resolved- - Due Diligence Vendor-04/06/2026 <br> Ready for Review-Document Uploaded. - Seller-04/03/2026 <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. \*\*\*\*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-04/02/2026 <br> Open- - Due Diligence Vendor-04/02/2026 | Ready for Review-Document Uploaded. - Seller-04/03/2026<br>| Resolved-Resolved 04/06/2026: Received PCCD with funding date xxx and exception was cleared.<br> - Due Diligence Vendor-04/06/2026 <br> Resolved- - Due Diligence Vendor-04/06/2026 | 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 - 16.10 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 16.10 Years<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 41.59% 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 126.52 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of xxx Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 750 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | fss.pdf<br>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 | 88601 |  | 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 | 88604 |  | D A | Closed | FCOM4227 | 2026-04-01 15:11 | 2026-04-07 08:00 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-Resolved 04/07/2026: Received Revised Closing Disclosure dated xxx and exception was cleared.<br> - Due Diligence Vendor-04/07/2026 <br> Ready for Review-Document Uploaded. Borrower viewed never esigned - Seller-04/06/2026 <br> Counter-Please provide Revised Closing Disclosure dated xxx, we have COC dated xxx #page no 785, now we received Dated xxx this is Initial Closing Disclosure. - Due Diligence Vendor-04/06/2026 <br> Ready for Review-Uploaded in other condition - Seller-04/03/2026 <br> Open-\*\*\*\*Documentation Provided does not contain the Revised Closing Disclosure dated xxx, Please provide the complete TRID disclosure history and all TRID disclosures (Revised CD) together with all associated Changed Circumstance Doc id# xxx 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-04/01/2026 | Ready for Review-Document Uploaded. Borrower viewed never esigned - Seller-04/06/2026 <br>Ready for Review-Uploaded in other condition - Seller-04/03/2026<br>| Resolved-Resolved 04/07/2026: Received Revised Closing Disclosure dated xxx and exception was cleared.<br> - Due Diligence Vendor-04/07/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.34% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV 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 778 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 - 12.58 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 - 20 Years |  | xxx xxx CD COC.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | XXX | Second Home | Purchase | NA | N/A | N/A |
| xxx | 88604 |  | D A | Closed | FCRE7551 | 2026-04-03 10:04 | 2026-04-07 07:58 | Resolved | 1 - Information D A | Credit | Missing Doc | Divorce Decree is missing | Resolved-04/07/2026: Resolved. Received copy of divorce decree - Due Diligence Vendor-04/07/2026 <br> Ready for Review-Document Uploaded. Divorce Decree attached. Please review and clear condition. - Seller-04/06/2026 <br> Open-Provide Divorce Decree/Separation agreement to verify child support amountxxx (we have transfer proof for child support from xxx check account # xxx) - Due Diligence Vendor-04/03/2026 | Ready for Review-Document Uploaded. Divorce Decree attached. Please review and clear condition. - Seller-04/06/2026<br>| Resolved-04/07/2026: Resolved. Received copy of divorce decree - Due Diligence Vendor-04/07/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.34% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV 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 778 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 - 12.58 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 - 20 Years |  | xxx - Divorce Decree.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | XXX | Second Home | Purchase | NA | N/A | N/A |
| xxx | 88604 |  | D A | Closed | FCRE1176 | 2026-04-03 08:47 | 2026-04-06 09:30 | Resolved | 1 - Information C A | Credit | Insurance | HO6 Insurance Policy Effective Date is after the Note Date | Resolved-04/06/2026: Resolved. Disbursement date was xxx. - Due Diligence Vendor-04/06/2026 <br> Ready for Review-Please see PCCD, loan disbursed xxx - Seller-04/03/2026 <br> Open-HO-6 Insurance Policy Effective Date of xxx is after the Note Date of xxx - Due Diligence Vendor-04/03/2026 | Ready for Review-Please see PCCD, loan disbursed xxx - Seller-04/03/2026 | Resolved-04/06/2026: Resolved. Disbursement date was xxx. - Due Diligence Vendor-04/06/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.34% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV 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 778 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 - 12.58 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 - 20 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | XXX | Second Home | Purchase | NA | N/A | N/A |
| xxx | 88604 |  | D A | Closed | finding-3635 | 2026-04-01 15:13 | 2026-04-06 09:03 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That In Total Cannot Increase More Than 10% Test | Resolved-Resolved 04/06/2026: Received Initial Loan Estimate dated 02/26/2026 and exception was cleared.<br> - Due Diligence Vendor-04/06/2026 <br> Resolved- - Due Diligence Vendor-04/06/2026 <br> Ready for Review-Uploaded in other condition - Seller-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% (xxx) 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). Initial Loan estimate Missing, after receiving Initial Loan estimate document this condition will clear. - Due Diligence Vendor-04/03/2026 <br> Open- - Due Diligence Vendor-04/01/2026 <br> Open- - Due Diligence Vendor-04/01/2026 | Ready for Review-Uploaded in other condition - Seller-04/03/2026<br>| Resolved-Resolved 04/06/2026: Received Initial Loan Estimate dated 02/26/2026 and exception was cleared.<br> - Due Diligence Vendor-04/06/2026 <br>Resolved- - Due Diligence Vendor-04/06/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.34% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV 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 778 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 - 12.58 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 - 20 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | XXX | Second Home | Purchase | NA | N/A | N/A |
| xxx | 88604 |  | D A | Closed | FCOM1797 | 2026-04-03 11:03 | 2026-04-06 08:58 | Resolved | 1 - Information D A | Compliance | Missing Doc | Service Provider List is Missing | Resolved-Resolved 04/06/2026: Received Service Provider List dated xxx and exception was cleared.<br> - Due Diligence Vendor-04/06/2026 <br> Ready for Review-Uploaded in other condition - Seller-04/03/2026 <br> Open-Service Provider List is Missing - Due Diligence Vendor-04/03/2026 | Ready for Review-Uploaded in other condition - Seller-04/03/2026<br>| Resolved-Resolved 04/06/2026: Received Service Provider List dated xxx and exception was cleared.<br> - Due Diligence Vendor-04/06/2026 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.34% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV 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 778 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 - 12.58 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 - 20 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | XXX | Second Home | Purchase | NA | N/A | N/A |
| xxx | 88604 |  | D A | Closed | FCOM1252 | 2026-04-03 10:51 | 2026-04-06 08:54 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved- - Due Diligence Vendor-04/06/2026 <br>Ready for Review-Resolved 04/06/2026: Received Initial Loan Estimate dated 02/26/2026 and exception was cleared.<br> - Due Diligence Vendor-04/06/2026 <br>Ready for Review-Document Uploaded. - Seller-04/03/2026 <br>Open-\*\*\*\*\*\*Documentation provided does not contain the Initial Loan estimate. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. <br> - Due Diligence Vendor-04/03/2026 | Ready for Review-Document Uploaded. - Seller-04/03/2026<br>|  | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.34% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV 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 778 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 - 12.58 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 - 20 Years |  | Closing Disclosure.pdf<br>PCCD.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | XXX | Second Home | Purchase | NA | N/A | N/A |
| xxx | 88604 |  | D A | Closed | finding-3652 | 2026-04-01 15:13 | 2026-04-06 08:52 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Resolved 04/06/2026: Received Initial Loan Estimate dated 02/26/2026 and exception was cleared.<br> - Due Diligence Vendor-04/06/2026 <br> Resolved- - Due Diligence Vendor-04/06/2026 <br> Ready for Review-Document Uploaded. - Seller-04/03/2026 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits (xxx) does not exceed or equal the comparable sum of specific and non-specific lender credits (xxx). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Initial Loan estimate Missing, after receiving Initial Loan estimate document this condition will clear. - Due Diligence Vendor-04/03/2026 <br> Open- - Due Diligence Vendor-04/01/2026 <br> Open- - Due Diligence Vendor-04/01/2026 | Ready for Review-Document Uploaded. - Seller-04/03/2026<br>| Resolved-Resolved 04/06/2026: Received Initial Loan Estimate dated 02/26/2026 and exception was cleared.<br> - Due Diligence Vendor-04/06/2026 <br>Resolved- - Due Diligence Vendor-04/06/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.34% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV 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 778 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 - 12.58 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 - 20 Years |  | Disclosures - Initial signed.pdf | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | XXX | Second Home | Purchase | NA | N/A | N/A |
| xxx | 88604 |  | D A | Closed | finding-3634 | 2026-04-01 15:13 | 2026-04-06 08:52 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-Resolved 04/06/2026: Received Initial Loan Estimate dated 02/26/2026 and exception was cleared.<br> - Due Diligence Vendor-04/06/2026 <br> Resolved- - Due Diligence Vendor-04/06/2026 <br> Ready for Review-Uploaded in other condition - Seller-04/03/2026 <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). Initial Loan estimate Missing, after receiving Initial Loan estimate document this condition will clear. - Due Diligence Vendor-04/03/2026 <br> Open- - Due Diligence Vendor-04/01/2026 <br> Open- - Due Diligence Vendor-04/01/2026 | Ready for Review-Uploaded in other condition - Seller-04/03/2026<br>| Resolved-Resolved 04/06/2026: Received Initial Loan Estimate dated 02/26/2026 and exception was cleared.<br> - Due Diligence Vendor-04/06/2026 <br>Resolved- - Due Diligence Vendor-04/06/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.34% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV 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 778 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 - 12.58 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 - 20 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | XXX | Second Home | Purchase | NA | N/A | N/A |
| xxx | 88604 |  | D A | Closed | finding-3515 | 2026-04-01 15:13 | 2026-04-06 08:47 | Resolved | 1 - Information C A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-Resolved 04/06/2026: Received Initial Loan Estimate dated 02/26/2026 and exception was cleared.<br> - Due Diligence Vendor-04/06/2026 <br>Resolved- - Due Diligence Vendor-04/06/2026 <br>Ready for Review-Uploaded in other condition - Seller-04/03/2026 <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. \*\*\*\*\*\*Documentation provided does not contain the Initial Loan estimate. ~~~~~~~~~Please provide complete TRID disclosure history and all TRID disclosures (LEs & CDs) together with all associated Changed Circumstance Detail form(s), if any, to assure TPR has all TRID disclosure for full and accurate testing. A Compliance report cannot be processed until the requested material document(s) are received, which may result in additional Findings. <br> - Due Diligence Vendor-04/03/2026 <br>Open- - Due Diligence Vendor-04/01/2026 <br>Open- - Due Diligence Vendor-04/01/2026 | Ready for Review-Uploaded in other condition - Seller-04/03/2026 | Resolved-Resolved 04/06/2026: Received Initial Loan Estimate dated 02/26/2026 and exception was cleared.<br> - Due Diligence Vendor-04/06/2026 <br>Resolved- - Due Diligence Vendor-04/06/2026<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 28.34% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.11<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV 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 778 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 - 12.58 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 - 20 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | XXX | Second Home | Purchase | NA | N/A | N/A |
| xxx | 88608 |  | C A | Closed | finding-3939 | 2026-04-01 16:56 | 2026-04-07 08:19 | Resolved | 1 - Information C A | Compliance | ComplianceEase | TRID Rate Lock Disclosure Delivery Date Test | Resolved-Resolved 04/07/2026: Received Revised Loan Estimate dated 03/02/2026 and exception was cleared.<br> - Due Diligence Vendor-04/07/2026 <br> Resolved- - Due Diligence Vendor-04/07/2026 <br> Ready for Review-Uploaded in other condition - Seller-04/06/2026 <br> Open- - Due Diligence Vendor-04/03/2026 <br> Open-This loan failed the TRID Rate Lock Disclosure Delivery Date Test. (12 CFR §1026.19(e)(3)(iv)(D))A disclosure advising of the revised interest rate, points, lender credits, and any other interest rate dependent charges and terms was not provided to the borrower within three business days after the interest rate was locked on xxx, xxx, xxx and xxx. Missing Locked LE\*\*\* Locked TRID disclosure is missing. A Locked Loan Estimate is required to be provided to the consumer within 3 business days after loan is Locked. - Due Diligence Vendor-04/03/2026 <br> Open- - Due Diligence Vendor-04/01/2026 | Ready for Review-Uploaded in other condition - Seller-04/06/2026<br>| Resolved-Resolved 04/07/2026: Received Revised Loan Estimate dated 03/02/2026 and exception was cleared.<br> - Due Diligence Vendor-04/07/2026 <br>Resolved- - Due Diligence Vendor-04/07/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 63 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 0.04<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 154.18 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 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 810 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | XXX | Primary Residence | Refinance | Cash Out - Other | N/A | N/A |
| xxx | 88608 |  | C A | Closed | FCOM1252 | 2026-04-03 09:22 | 2026-04-07 08:18 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Loan Estimate | Resolved-Resolved 04/07/2026: Received Revised Loan Estimate dated 03/02/2026 and exception was cleared.<br> - Due Diligence Vendor-04/07/2026 <br>Ready for Review-Document Uploaded. Borrower never viewed but it was done. February only has 28 days so were in compliance with the 3 days. - Seller-04/06/2026 <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-04/03/2026 | Ready for Review-Document Uploaded. Borrower never viewed but it was done. February only has 28 days so were in compliance with the 3 days. - Seller-04/06/2026<br>| Resolved-Resolved 04/07/2026: Received Revised Loan Estimate dated 03/02/2026 and exception was cleared.<br> - Due Diligence Vendor-04/07/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 63 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 0.04<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 154.18 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 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 810 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | Sur COC Locked LE.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 | 88297 |  | B A | Closed | FCRE1437 | 2026-04-03 06:12 | 2026-04-03 06:12 | Waived | 2 - Non-Material B | Credit | Income | Income and Employment Do Not Meet Guidelines | Waived-Income and Employment Do Not Meet Guidelines Doc type is Asset Depletion (Asset Allowance). Borrower does not meet minimum trade line requirement<br> (limited credit history - not allowed under Asset Depletion per guidelines) - Due Diligence Vendor-04/03/2026 |  | Waived-Income and Employment Do Not Meet Guidelines Doc type is Asset Depletion (Asset Allowance). Borrower does not meet minimum trade line requirement<br> (limited credit history - not allowed under Asset Depletion per guidelines) - Due Diligence Vendor-04/03/2026<br>| Borrower At Current Residence For Five (5) Or More Years - Validated Borrower At Current Residence For Five (5) Or More Years - 20 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 39.96% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.22<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 391.54 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Validated Original LTV Of xxx 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 - Validated Qualifying FICO Of 761 is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points | \* LTV-xxx<br> \* FICO-761 |  | 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 | 88299 |  | 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 | 88365 |  | C A | Closed | FCRE1143 | 2026-04-01 05:50 | 2026-04-03 10:37 | Resolved | 1 - Information C A | Credit | Eligibility | Builder is in control of HOA | Resolved-04/03/2026: Resolved: Project is new and meets FNMA requirements for builder still in control of HOA including Project is 100% complete and more than 50% of the total units in project are closed or under contract to o/o or 2nd home purchasers - Due Diligence Vendor-04/03/2026 <br>Ready for Review-Below should not be a condition as Project is new and meets FNMA requirements for builder still in control of HOA including Project is 100% complete and more than 50% of the total units in project are closed or under contract to o/o or 2nd home purchasers. Please clear condition - Seller-04/02/2026 <br>Open-The Builder is in control of the HOA - Due Diligence Vendor-04/01/2026 | Ready for Review-Below should not be a condition as Project is new and meets FNMA requirements for builder still in control of HOA including Project is 100% complete and more than 50% of the total units in project are closed or under contract to o/o or 2nd home purchasers. Please clear condition - Seller-04/02/2026<br>| Resolved-04/03/2026: Resolved: Project is new and meets FNMA requirements for builder still in control of HOA including Project is 100% complete and more than 50% of the total units in project are closed or under contract to o/o or 2nd home purchasers - Due Diligence Vendor-04/03/2026<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 752 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 81.72 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV xxx Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | XXX | Investment | Purchase | NA | N/A | N/A |
| xxx | 88679 |  | 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 | 88198 |  | 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 |  |  |
| xxx | 88575 |  | 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 |  |  |
| xxx | 88607 |  | C A | Closed | FPRO1245 | 2026-04-02 03:49 | 2026-04-14 08:26 | Resolved | 1 - Information C A | Property | Appraisal | Appraisal is Expired | Resolved-04/14/2026: Resolved. Received appraisal with license expiring xxx. Appraisal was preformed xxx - Due Diligence Vendor-04/14/2026 <br> Ready for Review-Document Uploaded. Appraiser indicated the incorrect inspection date on originally provided appraisal. Attached is the corrected appraisal showing correct property inspection date. Please clear condition. - Seller-04/13/2026 <br> Open-Primary Value Appraisal is Expired. Please Provide 1004D. - Due Diligence Vendor-04/03/2026 | Ready for Review-Document Uploaded. Appraiser indicated the incorrect inspection date on originally provided appraisal. Attached is the corrected appraisal showing correct property inspection date. Please clear condition. - Seller-04/13/2026<br>| Resolved-04/14/2026: Resolved. Received appraisal with license expiring xxx. Appraisal was preformed xxx - Due Diligence Vendor-04/14/2026 | Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9.67 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less Not Met - Credit Line Usage Ratio equals 0.0<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 229.65 Are Greater Than The Guideline Minimum Of 3 By Six (6) Or More Months<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of xxx 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 800 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | xxx - Appraisal Date correction.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | XXX | Investment | Refinance | No Cash Out - Borrower Initiated | N/A | N/A |
| xxx | 88298 |  | D A | Closed | INFI1245 | 2026-04-06 12:56 | 2026-04-09 08:27 | Resolved | 1 - Information D A | Compliance | Compliance | Homeownership Counselling Disclosure is missing. | Resolved-Resolved 04/09/2026: Received Homeownership Counselling Disclosure and exception was cleared. - Due Diligence Vendor-04/09/2026 <br>Ready for Review-Document Uploaded. Attached is the disclosure needed along with a copy of the entire disclosure package that was sent to the borrower. <br>I am also including the audit trail. <br> - Seller-04/08/2026 <br>Open-Homeownership Counselling Disclosure is missing. - Due Diligence Vendor-04/06/2026 | Ready for Review-Document Uploaded. Attached is the disclosure needed along with a copy of the entire disclosure package that was sent to the borrower. <br>I am also including the audit trail. <br> - Seller-04/08/2026<br>| Resolved-Resolved 04/09/2026: Received Homeownership Counselling Disclosure and exception was cleared. - Due Diligence Vendor-04/09/2026<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of xxx 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<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.82 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 172.51 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 7.63% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 764 is Greater Than The Guideline Minimum Of 740 By Twenty (20) or More Points |  | HUD Approved Homeownership Counseling Org List.pdf<br>Disclosures - Initial Unsigned.pdf<br>Audit Trail.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 | 88621 |  | 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 | 88190 |  | 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 | 88573 |  | D A | Closed | INFI1265 | 2026-04-06 16:58 | 2026-04-08 09:20 | Resolved | 1 - Information D A | Compliance | Compliance | Missing Final Closing Disclosure | Resolved-04/08/2026: Resolved. Received final master Settlement - Due Diligence Vendor-04/08/2026 <br>Ready for Review-Document Uploaded. Business Purpose loan so there is no final CD but attached is Final Settlement Statement that should have been in CLP when originally submitted. Please review and clear condition. - Seller-04/07/2026 <br>Open-Final Closing Disclosure/Settlement Statement is Missing for the subject Property . - Due Diligence Vendor-04/06/2026 | Ready for Review-Document Uploaded. Business Purpose loan so there is no final CD but attached is Final Settlement Statement that should have been in CLP when originally submitted. Please review and clear condition. - Seller-04/07/2026<br>| Resolved-04/08/2026: Resolved. Received final master Settlement - Due Diligence Vendor-04/08/2026<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 - 14.24 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 17.55% 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 - 20.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 102.89 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.07<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 792 is Greater Than The Guideline Minimum Of 680 By Twenty (20) or More Points |  | xxx 0108 - FSS.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | XXX | Investment | Purchase | NA | N/A | N/A |
| xxx | 88230 |  | D A | Closed | FCOM1233 | 2026-04-07 10:25 | 2026-04-09 09:16 | Resolved | 1 - Information D A | Compliance | Missing Doc - Closing Package | The Final 1003 is Incomplete | Resolved-04/09/2026: Resolved. Received final 1003 - Due Diligence Vendor-04/09/2026 <br> Ready for Review-Document Uploaded. - Seller-04/08/2026 <br> Open-The Final 1003 is Incomplete Provide Final 1003 for 3 Borrower's (xxx, xxx& xxx) with all the pages 1 to 25, Received final 1003 2,3,4,6,7,8,10,11,12,13,14,16,17,19,20,21,22,24 of 25 pages are missing. - Due Diligence Vendor-04/07/2026 | Ready for Review-Document Uploaded. - Seller-04/08/2026<br>| Resolved-04/09/2026: Resolved. Received final 1003 - Due Diligence Vendor-04/09/2026<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 0.1<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 703 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 421.49 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months |  | xxx xxx - Final 1003.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | XXX | Investment | Purchase | NA | N/A | N/A |
| xxx | 88230 |  | D A | Closed | INFI1397 | 2026-04-03 08:34 | 2026-04-09 08:08 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Final 1003_Application | Resolved-04/09/2026: Resolved. Received final 1003 - Due Diligence Vendor-04/09/2026 <br>Ready for Review-Document Uploaded. - Seller-04/08/2026 <br>Open-Final 1003 only 1st page and sign page is available remaining all pages are missing. - Due Diligence Vendor-04/03/2026 | Ready for Review-Document Uploaded. - Seller-04/08/2026<br>| Resolved-04/09/2026: Resolved. Received final 1003 - Due Diligence Vendor-04/09/2026<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 0.1<br>Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of 703 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 421.49 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months |  | xxx - Final 1003.pdf | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | XXX | Investment | Purchase | NA | N/A | N/A |
| xxx | 88295 |  | 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 | 88215 |  | A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | XXX | Primary Residence | Purchase | NA |  |  |

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## Exhibit 99.09

[MFA 2026-NQM2 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.09 - Schedule 10**

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| | | | | |
|:---|:---|:---|:---|:---|
| **Loan ID** | **Redacted ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| xxx | 86791 |  |  | xxx A |
| xxx | 87421 |  |  | xxx B A |
| xxx | 87738 |  |  | xxx B A |
| xxx | 87739 |  |  | xxx A |
| xxx | 87740 |  |  | xxx C A B |
| xxx | 87741 |  |  | xxx B A |
| xxx | 87742 |  |  | xxx A |
| xxx | 87743 |  |  | xxx A |
| xxx | 87744 |  |  | xxx A |
| xxx | 87745 |  |  | xxx A |
| xxx | 87746 |  |  | xxx A |
| xxx | 87747 |  |  | xxx A |
| xxx | 87748 |  |  | xxx A |
| xxx | 87749 |  |  | xxx A |
| xxx | 87750 |  |  | xxx A |
| xxx | 87751 |  |  | xxx A |
| xxx | 87761 |  |  | xxx D A |
| xxx | 87816 |  |  | xxx D A B |
| xxx | 87818 |  |  | xxx A D |
| xxx | 87819 |  |  | xxx A |
| xxx | 87820 |  |  | xxx B D A |
| xxx | 87821 |  |  | xxx B A |
| xxx | 87823 |  |  | xxx A |
| xxx | 87824 |  |  | xxx A |
| xxx | 87825 |  |  | xxx A C B |
| xxx | 87826 |  |  | xxx A C |
| xxx | 87827 |  |  | xxx A B |
| xxx | 87829 |  |  | xxx B A |
| xxx | 87830 |  |  | xxx A |
| xxx | 87831 |  |  | xxx A |
| xxx | 87832 |  |  | xxx A |
| xxx | 87833 |  |  | xxx D A |
| xxx | 87834 |  |  | xxx D A |
| xxx | 87835 |  |  | xxx B A |
| xxx | 87836 |  |  | xxx A |
| xxx | 87837 |  |  | xxx D A |
| xxx | 87838 |  |  | xxx C D A |
| xxx | 87839 |  |  | xxx A |
| xxx | 87840 |  |  | xxx A D |
| xxx | 87841 |  |  | xxx B A |
| xxx | 87842 |  |  | xxx A |
| xxx | 87843 |  |  | xxx A |
| xxx | 87844 |  |  | xxx C A |
| xxx | 87845 |  |  | xxx C A |
| xxx | 87846 |  |  | xxx B A |
| xxx | 87847 |  |  | xxx A |
| xxx | 87848 |  |  | xxx D A |
| xxx | 87849 |  |  | xxx D A |
| xxx | 87850 |  |  | xxx D A |
| xxx | 87851 |  |  | xxx A |
| xxx | 87861 |  |  | xxx B A |
| xxx | 87762 |  |  | xxx A |
| xxx | 87763 |  |  | xxx D A B |
| xxx | 87962 |  |  | xxx B A |
| xxx | 88037 |  |  | xxx B A |
| xxx | 88038 |  |  | xxx A B |
| xxx | 88039 |  |  | xxx D A B |
| xxx | 88040 |  |  | xxx A |
| xxx | 88041 |  |  | xxx A |
| xxx | 87857 |  |  | xxx B A |
| xxx | 88042 |  |  | xxx C A B |
| xxx | 88043 |  |  | xxx A |
| xxx | 88044 |  |  | xxx D A |
| xxx | 88045 |  |  | xxx D A |
| xxx | 88046 |  |  | xxx D A |
| xxx | 88047 |  |  | xxx D C A |
| xxx | 88048 |  |  | xxx A |
| xxx | 88179 |  |  | xxx A C |
| xxx | 88182 |  |  | xxx A |
| xxx | 88049 |  |  | xxx C A |
| xxx | 88183 |  |  | xxx A |
| xxx | 88184 |  |  | xxx D A |
| xxx | 88186 |  |  | xxx D A |
| xxx | 88192 |  |  | xxx C D A |
| xxx | 88200 |  |  | xxx D A |
| xxx | 88201 |  |  | xxx A |
| xxx | 88206 |  |  | xxx A |
| xxx | 88208 |  |  | xxx D B A |
| xxx | 88209 |  |  | xxx C A |
| xxx | 88211 |  |  | xxx D A |
| xxx | 88213 |  |  | xxx A |
| xxx | 88221 |  |  | xxx A |
| xxx | 88226 |  |  | xxx C A |
| xxx | 88204 |  |  | xxx A |
| xxx | 88217 |  |  | xxx A C |
| xxx | 88212 |  |  | xxx B A |
| xxx | 88187 |  |  | xxx A C |
| xxx | 88197 |  |  | xxx D A |
| xxx | 88202 |  |  | xxx A D |
| xxx | 88205 |  |  | xxx A |
| xxx | 88229 |  |  | xxx C A |
| xxx | 88233 |  |  | xxx A |
| xxx | 87828 |  |  | xxx B A |
| xxx | 88210 |  |  | xxx A |
| xxx | 88227 |  |  | xxx D A |
| xxx | 88577 |  |  | xxx A D |
| xxx | 88216 |  |  | xxx B A |
| xxx | 88582 |  |  | xxx B C A |
| xxx | 88587 |  |  | xxx C A |
| xxx | 88591 |  |  | xxx A |
| xxx | 88616 |  |  | xxx A |
| xxx | 88574 |  |  | xxx A B |
| xxx | 88218 |  |  | xxx A |
| xxx | 88585 |  |  | xxx A |
| xxx | 88220 |  |  | xxx B A |
| xxx | 88225 |  |  | xxx C A |
| xxx | 88603 |  |  | xxx C A B |
| xxx | 88581 |  |  | xxx A |
| xxx | 88223 |  |  | xxx A |
| xxx | 88593 |  |  | xxx A |
| xxx | 88598 |  |  | xxx A C |
| xxx | 88601 |  |  | xxx A |
| xxx | 88604 |  |  | xxx D A |
| xxx | 88608 |  |  | xxx A C |
| xxx | 88297 |  |  | xxx B A |
| xxx | 88299 |  |  | xxx A |
| xxx | 88365 |  |  | xxx C A |
| xxx | 88679 |  |  | xxx A |
| xxx | 88198 |  |  | xxx A |
| xxx | 88575 |  |  | xxx A |
| xxx | 88607 |  |  | xxx A C |
| xxx | 88298 |  |  | xxx A D |
| xxx | 88621 |  |  | xxx A |
| xxx | 88190 |  |  | xxx A |
| xxx | 88573 |  |  | xxx A D |
| xxx | 88230 |  |  | xxx D A |
| xxx | 88295 |  |  | xxx A |
| xxx | 88215 |  |  | xxx A |

---

## Exhibit 99.09

[MFA 2026-NQM2 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.09 - Schedule 11**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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 | 86791 |  |  | xxx | 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 | 87421 |  |  | xxx | xxx | 0 | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 87738 |  |  | 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 | 87739 |  |  | xxx | xxx |  | 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 | 87740 |  |  | 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 | 87741 |  |  | xxx | 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 | 87742 |  |  | 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 | 87743 |  |  | xxx | xxx |  | 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 | 87744 |  |  | xxx | xxx | 0 | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx | xxx | xxx | -.0465 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0465 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 87745 |  |  | xxx | xxx | xxx | 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 | 87746 |  |  | xxx | xxx | 0 | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 87747 |  |  | xxx | 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 | 87748 |  |  | 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 | 87749 |  |  | xxx | 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 | 87750 |  |  | xxx | xxx | xxx | 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 | 87751 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx | xxx | xxx | -.0176 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0176 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 87761 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 87816 |  |  | xxx | xxx | 0 | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 87818 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 87819 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx | xxx | xxx | -.0476 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0476 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 87820 |  |  | 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 | 87821 |  |  | 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 | 87823 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | xxx | xxx | .0047 | xxx | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 87824 |  |  | 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 | 87825 |  |  | xxx | xxx |  | 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 | 87826 |  |  | 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 | 87827 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | xxx | xxx | .1111 | xxx | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 87829 |  |  | xxx | xxx | xxx | 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 | 87830 |  |  | 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 | 87831 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 87832 |  |  | 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 | 87833 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | xxx | xxx | .0171 | xxx | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 87834 |  |  | 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 | 87835 |  |  | xxx | 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 | 87836 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Reasonable | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 87837 |  |  | xxx | xxx | 0 | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx | xxx | xxx | .0595 | 1004 URAR |  |  |  |  | xxx | xxx | .0595 | xxx | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 87838 |  |  | xxx | xxx | xxx | 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 | 87839 |  |  | 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 | 87840 |  |  | xxx | xxx |  | 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 | 87841 |  |  | xxx | 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 | 87842 |  |  | xxx | xxx |  | 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 | 87843 |  |  | xxx | xxx | xxx | 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 | 87844 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | xxx | xxx | .0909 | xxx | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 87845 |  |  | 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 | 87846 |  |  | xxx | 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 | 87847 |  |  | 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 | 87848 |  |  | 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 | 87849 |  |  | 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 | 87850 |  |  | 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 | 87851 |  |  | 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 | 87861 |  |  | xxx | xxx | xxx | 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 | 87762 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx | xxx | xxx | .0444 | 1004 URAR |  |  |  |  | xxx | xxx | .0444 | xxx | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 87763 |  |  | 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 | 87962 |  |  | xxx | xxx | 0 | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | REASONABLE | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 88037 |  |  | xxx | xxx |  | 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 | 88038 |  |  | 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 | 88039 |  |  | xxx | xxx | xxx | 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 | 88040 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | xxx | xxx | .0811 | xxx | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 88041 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 87857 |  |  | xxx | xxx | xxx | 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 | 88042 |  |  | xxx | 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 | 88043 |  |  | xxx | xxx |  | 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 | 88044 |  |  | 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 | 88045 |  |  | 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 | 88046 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 88047 |  |  | xxx | xxx | xxx | 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 | 88048 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 88179 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx | xxx | xxx | -.0179 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0179 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 88182 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 88049 |  |  | 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 | 88183 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 88184 |  |  | xxx | 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 | 88186 |  |  | xxx | xxx | 0 | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 88192 |  |  | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 88200 |  |  | xxx | xxx |  | 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 | 88201 |  |  | xxx | 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 | 88206 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 88208 |  |  | 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 | 88209 |  |  | 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 Rosk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 88211 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 88213 |  |  | xxx | 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 | 88221 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | xxx | xxx | .0271 | xxx | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 88226 |  |  | xxx | 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 | 88204 |  |  | xxx | xxx | xxx | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 88217 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 88212 |  |  | xxx | xxx |  | 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 | 88187 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 88197 |  |  | 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 | 88202 |  |  | xxx | xxx | 0 | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | xxx | xxx | .0308 | xxx | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 88205 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Desk Review |  |  |  |  | xxx | 0.0 | .0000 | xxx | 1004 URAR |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 88229 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 88233 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 87828 |  |  | 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 | 88210 |  |  | 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 | 88227 |  |  | xxx | xxx |  | 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 | 88577 |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 88216 |  |  | xxx | xxx | xxx | 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 | 88582 |  |  | xxx | xxx |  | 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 | 88587 |  |  | xxx | xxx | 0 | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 88591 |  |  | xxx | xxx |  | 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 | 88616 |  |  | 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 | 88574 |  |  | 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 | 88218 |  |  | 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 | 88585 |  |  | xxx | 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 | 88220 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | xxx | xxx | .0167 | xxx | 1073 Individual Condo Report |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 88225 |  |  | xxx | xxx |  | 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 | 88603 |  |  | xxx | xxx | xxx | 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 | 88581 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | xxx | xxx | xxx | -.0667 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0667 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 88223 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | xxx | xxx | .0129 | xxx | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 88593 |  |  | xxx | xxx | 0 | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx | xxx | xxx | -.0796 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0796 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 88598 |  |  | 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 | 88601 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx | xxx | xxx | -.0467 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0467 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 88604 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 88608 |  |  | xxx | xxx |  | 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 | 88297 |  |  | 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 | 88299 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 88365 |  |  | xxx | 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 | 88679 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Low | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 88198 |  |  | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | xxx | xxx | .1667 | xxx | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 88575 |  |  | 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 | 88607 |  |  | 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 | 88298 |  |  | xxx | xxx |  | 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 | 88621 |  |  | xxx | xxx | xxx | 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 | 88190 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  | xxx | xxx | .0038 | xxx | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 88573 |  |  | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | xxx | xxx | xxx | xxx | xxx | xxx | -.0011 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0011 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 88230 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1025 Small Residential Income Report | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Low | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| xxx | 88295 |  |  | 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 | 88215 |  |  | xxx | xxx | xxx | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | xxx | xxx | xxx | xxx | xxx | 0.0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0.0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.09

[MFA 2026-NQM2 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.09 - Schedule 12**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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 | 86791 |  |  | 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 | 11940 | 6.947 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 0 | N/A | Not Employed |  | No |  | No |  |
| xxx | 87421 |  |  | 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 | 87738 |  |  | 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 | Employed |  | No |  | Yes | Present |
| xxx | 87739 |  |  | 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 | 9835 | 7.511 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xxx | 87740 |  |  | 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 | 15295 | 6.846 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xxx | 87741 |  |  | 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 | 11429.38 | 7.169 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 0 | N/A | Employed | Not Employed | No | No | No |  |
| xxx | 87742 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| xxx | 87743 |  |  | 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 | 26335 | 6.784 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xxx | 87744 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | Yes | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | N/A | Unknown | Employed | No | No | Yes | Present |
| xxx | 87745 |  |  | 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 | 31605 | 6.806 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xxx | 87746 |  |  | 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 | 87747 |  |  | 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 | 87748 |  |  | 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 | 87749 |  |  | 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 | 7533.5 | 6.463 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 0 | N/A | Employed | Not Employed | No | No | No |  |
| xxx | 87750 |  |  | 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 | 23465 | 6.574 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xxx | 87751 |  |  | 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 | 13115 | 7.779 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xxx | 87761 |  |  | 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 | Not Employed |  | No |  | Yes | Present |
| xxx | 87816 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | N/A | Employed |  | No |  | Yes | Present |
| xxx | 87818 |  |  | 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 | Employed | Employed | No | No | Yes | Present |
| xxx | 87819 |  |  | 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 | 17835 | 6.366 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xxx | 87820 |  |  | 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 | 3935 | 7.005 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | Yes | Employed |  | No |  | No |  |
| xxx | 87821 |  |  | 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 | 87823 |  |  | 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 | 28335 | 6.489 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xxx | 87824 |  |  | 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 | 19335 | 6.982 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 0 | N/A | Employed | Not Employed | No | No | No |  |
| xxx | 87825 |  |  | 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 | 15337.5 | 6.589 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 0 | N/A | Not Employed | Employed | No | No | No |  |
| xxx | 87826 |  |  | 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 | 8135 | 6.716 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 0 | N/A | Employed | Employed | No | No | No |  |
| xxx | 87827 |  |  | 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 | 25835 | 6.392 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xxx | 87829 |  |  | 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 | 12515 | 7.737 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xxx | 87830 |  |  | 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 | Employed |  | No |  | Yes | Present |
| xxx | 87831 |  |  | 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 | 87832 |  |  | 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 | 87833 |  |  | 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 | 23255 | 6.227 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xxx | 87834 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| xxx | 87835 |  |  | 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 | 28835 | 7.217 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | Yes | Employed | Employed | No | No | No |  |
| xxx | 87836 |  |  | 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 | Employed |  | No |  | Yes | Present |
| xxx | 87837 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xxx | 87838 |  |  | 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 | 24241.25 | 6.698 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 0 | N/A | Unknown |  | No |  | No |  |
| xxx | 87839 |  |  | 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 | 28241.25 | 6.751 | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | 0 | N/A | Employed | Employed | No | No | No |  |
| xxx | 87840 |  |  | 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 | 8975 | 6.51 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 0 | N/A | Not Employed |  | No |  | No |  |
| xxx | 87841 |  |  | 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 | 16735 | 6.776 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xxx | 87842 |  |  | 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 | Yes | No | No | No | No | No | 40830 | 6.556 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xxx | 87843 |  |  | 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 | 87844 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | N/A | Employed |  | No |  | Yes | Present |
| xxx | 87845 |  |  | 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 | Employed |  | No |  | Yes | Present |
| xxx | 87846 |  |  | 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 | 9010 | 6.862 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 0 | N/A | Employed | Not Employed | No | No | No |  |
| xxx | 87847 |  |  | 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 | Yes | Employed |  | No |  | Yes | Present |
| xxx | 87848 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | xxx | Yes | Employed |  | No |  | Yes | Present |
| xxx | 87849 |  |  | 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 | Employed |  | No |  | Yes | Present |
| xxx | 87850 |  |  | 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 | Employed |  | No |  | Yes | Present |
| xxx | 87851 |  |  | 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 | Employed |  | No |  | Yes | Present |
| xxx | 87861 |  |  | 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 | Employed |  | No |  | Yes | Present |
| xxx | 87762 |  |  | 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 | 84335 | 6.525 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xxx | 87763 |  |  | 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 | 14960 | 7.082 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 0 | N/A | Unknown |  | No |  | No |  |
| xxx | 87962 |  |  | 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 | Employed |  | No |  | Yes | Present |
| xxx | 88037 |  |  | 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 | Yes | No | No | No | No | No | 27830 | 7.123 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xxx | 88038 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| xxx | 88039 |  |  | 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 | Yes | No | No | No | No | No | 20866.25 | 6.427 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 0 | N/A | Employed | Employed | No | No | No |  |
| xxx | 88040 |  |  | 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 | Yes | No | No | No | No | No | 74665.8 | 7.244 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xxx | 88041 |  |  | 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 | Employed | Employed | No | No | Yes | Present |
| xxx | 87857 |  |  | 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 | 9050 | 7.45 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xxx | 88042 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | N/A | Employed |  | No |  | Yes | Present |
| xxx | 88043 |  |  | 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 | 63612.5 | 6.487 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xxx | 88044 |  |  | 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 | 88045 |  |  | 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 | 88046 |  |  | 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 | 88047 |  |  | 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 | 10814.03 | 6.378 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 0 | N/A | Employed | Employed | No | No | No |  |
| xxx | 88048 |  |  | 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 | 88179 |  |  | 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 | 21485 | 6.283 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xxx | 88182 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| xxx | 88049 |  |  | 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 | Yes | No | No | No | No | No | 16647.5 | 6.268 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 0 | N/A | Not Employed | Not Employed | No | No | No |  |
| xxx | 88183 |  |  | 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 | Yes | No | No | No | No | No | 8397.5 | 6.273 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xxx | 88184 |  |  | 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 | 15185 | 6.422 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 0 | N/A | Employed | Not Employed | No | No | No |  |
| xxx | 88186 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | N/A | Employed | Employed | No | No | Yes | Present |
| xxx | 88192 |  |  | 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 |  |  |  | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xxx | 88200 |  |  | 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 | 14635 | 6.451 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 0 | N/A | Employed | Employed | No | No | No |  |
| xxx | 88201 |  |  | 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 | 88206 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| xxx | 88208 |  |  | 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 | 9539 | 6.8 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xxx | 88209 |  |  | 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 | Employed |  | No |  | Yes | Present |
| xxx | 88211 |  |  | 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 | 31835 | 6.15 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 0 | N/A | Employed | Not Employed | No | No | No |  |
| xxx | 88213 |  |  | 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 | Yes | No | No | No | No | No | 17015 | 6.411 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xxx | 88221 |  |  | 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 | 25835 | 6.536 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xxx | 88226 |  |  | 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 | Yes | No | No | No | No | No | 17835 | 6.668 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 0 | N/A | Employed |  | No | No | No |  |
| xxx | 88204 |  |  | 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 | 8835 | 6.386 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xxx | 88217 |  |  | 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 | 17830 | 6.647 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xxx | 88212 |  |  | 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 | 6985 | 6.737 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xxx | 88187 |  |  | 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 | 49652 | 8.33 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xxx | 88197 |  |  | 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 | 21672.44 | 6.426 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xxx | 88202 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | N/A | Employed |  | No |  | Yes | Present |
| xxx | 88205 |  |  | 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 | 21741.25 | 6.228 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xxx | 88229 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | N/A | Employed |  | No |  | Yes | Present |
| xxx | 88233 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | N/A | Not Employed |  | No |  | Yes | Present |
| xxx | 87828 |  |  | 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 | 88210 |  |  | 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 | 27835 | 6.522 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 0 | N/A | Employed | Unknown | No | No | No |  |
| xxx | 88227 |  |  | 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 | 7760 | 6.198 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 0 | N/A | Not Employed |  | No |  | No |  |
| xxx | 88577 |  |  | 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 | 88216 |  |  | 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 | 9935 | 7.035 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 0 | N/A | Employed | Employed | No | No | No |  |
| xxx | 88582 |  |  | 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 | Yes | No | No | No | No | No | 11997.5 | 6.084 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 0 | N/A | Employed | Not Employed | No | No | No |  |
| xxx | 88587 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| xxx | 88591 |  |  | 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 | 17810 | 6.554 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 0 | N/A | Employed | Employed | No | No | No |  |
| xxx | 88616 |  |  | 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 | 32230 | 6.954 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | Yes | Employed |  | No |  | No |  |
| xxx | 88574 |  |  | 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 | 88218 |  |  | 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 | 22135 | 6.453 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 0 | N/A | Employed | Employed | No | No | No |  |
| xxx | 88585 |  |  | 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 | 13010 | 6.301 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 0 | N/A | Not Employed |  | No |  | No |  |
| xxx | 88220 |  |  | 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 | Employed | Employed | No | No | Yes | Present |
| xxx | 88225 |  |  | 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 | 23636.89 | 6.884 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xxx | 88603 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | Yes |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | N/A | Employed | Employed | No | No | Yes | Present |
| xxx | 88581 |  |  | 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 | 22835 | 6.455 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed |  | No |  | No |  |
| xxx | 88223 |  |  | 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 | 81522.5 | 6.882 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 0 | N/A | Employed |  | No |  | No |  |
| xxx | 88593 |  |  | 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 | Not Employed |  | No |  | Yes | Present |
| xxx | 88598 |  |  | 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 | 14235 | 6.503 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 0 | N/A | Employed |  | No |  | No |  |
| xxx | 88601 |  |  | 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 | 13835 | 7.093 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 0 | N/A | Employed | Employed | No | No | No |  |
| xxx | 88604 |  |  | 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 | 28138.21 | 6.073 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xxx | 88608 |  |  | 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 | Yes | No | No | No | No | No | 23085 | 6.455 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 0 | N/A | Not Employed |  | No |  | No |  |
| xxx | 88297 |  |  | 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 | Yes | No | No | No | No | No | 18335 | 6.21 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 0 | N/A | Not Employed |  | No |  | No |  |
| xxx | 88299 |  |  | 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 | 15930 | 6.698 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 0 | N/A | Employed | Not Employed | No | No | No |  |
| xxx | 88365 |  |  | 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 | 88679 |  |  | 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 | 10530 | 6.652 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xxx | 88198 |  |  | 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 | 53385.34 | 6.193 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xxx | 88575 |  |  | 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 | 13922.5 | 6.144 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xxx | 88607 |  |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | No |  |  | No |  | No | No | Yes | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | N/A |  |  | No |  | Yes | Present |
| xxx | 88298 |  |  | 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 | 15497.5 | 6.733 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 0 | N/A | Employed |  | No |  | No |  |
| xxx | 88621 |  |  | 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 | Yes | No | No | No | No | No | 13435 | 6.634 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 0 | N/A | Employed | Employed | No | No | No |  |
| xxx | 88190 |  |  | 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 | 28667 | 6.389 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A |  | N/A | Employed | Not Employed | No | No | No |  |
| xxx | 88573 |  |  | 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 | Employed |  | No |  | Yes | Present |
| xxx | 88230 |  |  | 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 | Not Employed | Not Employed | No | No | Yes | Present |
| xxx | 88295 |  |  | 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 | 9430 | 6.986 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | Yes | Employed | Employed | No | No | No |  |
| xxx | 88215 |  |  | 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 | 14941.65 | 6.95 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | 0 | N/A | Not Employed | Not Employed | No | No | No |  |

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## Exhibit 99.09

[MFA 2026-NQM2 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.09 - Schedule 13**

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| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redacted ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| xxx | 86791 |  |  | xxx | Occupancy | the1003Page | Second Home | OwnerOccupied | Verified that the occupancy is second home and not owner-occupied. Borrower lives at xxx which is not the subject property located in xxx. |
| xxx | 87738 |  |  | xxx | Amortization Term | notePage | 360 | 30 | Tape reflets 30 years, xxx reflects 360months which are the same. |
| xxx | 87738 |  |  | xxx | Occupancy | the1003Page | Investment | NonOwnerOccupied | The tape reflects the property as Non-Owner Occupied. Since xxx does not have a Non-Owner Occupied option, it has been updated as Investment, which is equivalent. |
| xxx | 87738 |  |  | xxx | Loan Purpose | the1003Page | Refinance | NoCash-Out Refinance | As per the tape, there is no cash-out. Since xxx does not have an option to reflect this, the loan purpose has been updated as Refinance, and the Purpose of Refinance has been updated as Cash-Out Refinance per the document. |
| xxx | 87738 |  |  | xxx | Property Type | propertyValuationPage | XXX | Detached | The tape reflects the property as Detached. In xxx, the Property Type has been updated to SFR with Attachment Type set to Detached. |
| xxx | 87738 |  |  | xxx | Verified Doc Type | employmentIncomePage | 1YR Business P&L | P&L: 1 Year | As per tape 1year P&L, xxx reflects 1Year Business P&l which are same. |
| xxx | 87738 |  |  | xxx | Credit QM/ATR Designation | employmentIncomePage | QM-ATR Exempt | Non-QM | The tape reflects Non-QM. As xxx does not have a Non-QM option, the Credit QM/ATR Designation has been updated to QM-ATR Exempt. |
| xxx | 87739 |  |  | xxx | Occupancy | the1003Page | Primary Residence | OwnerOccupied | The tape reflects the property as owner-occupied; however, xxx does not have an option to select "owner-occupied," so it was selected as "primary residence," which reflects the same status. |
| xxx | 87739 |  |  | xxx | Property Type | propertyValuationPage | XXX | Detached | In xxx we have to specify Property Type & Property Attachment Type separetly however tape reflecting detached in xxx we have single family detached option to select. |
| xxx | 87739 |  |  | xxx | Verified Doc Type | employmentIncomePage | 2YR Business P&L | P&L: 1 Year | Tape reflcets 1YR P&L However documents are provided for 2YR P&l, updated same. |
| xxx | 87739 |  |  | xxx | Credit QM/ATR Designation | employmentIncomePage | Non QM - ATR | Non-QM | The subject property is a primary residence refinance; therefore, the credit QM status was selected as ATR – Lender Documented All ATR UW Factors, as the tape reflects Non-QM, which is not an available option to select in xxx. |
| xxx | 87740 |  |  | xxx | Occupancy | the1003Page | Primary Residence | OwnerOccupied | The Subject is primary refinance . In xxx we don't have the option of Owner occupied . Therefore selected as primary residence . |
| xxx | 87740 |  |  | xxx | Loan Purpose | the1003Page | Refinance | Cash-Out Refinance | The loan file is primary refinance . In xxx if file is refinance , we have to specify loan purpose as refinance & purpose of refinance separately . Tape reflects Cash-out refinance directly . |
| xxx | 87740 |  |  | xxx | Property Type | propertyValuationPage | XXX | Detached | The subject is single family detached . In xxx we have to specify property type & Property attachment type separately . Tape reflects only detached. |
| xxx | 87740 |  |  | xxx | Credit QM/ATR Designation | employmentIncomePage | ATR Lender documented All ATR UW Factors | Non-QM | The subject file is primary refinance . we have to select credit Qm/ATR designation as ATR lender documented all ATR UW Factors . In xxx we don't have the option of Non-Qm . |
| xxx | 87741 |  |  | xxx | Amortization Term | notePage | 480 | 40 | As per tape 40 years, Amortization term is 480 months which are the same. |
| xxx | 87741 |  |  | xxx | Occupancy | the1003Page | Primary Residence | OwnerOccupied | The tape reflects that the property is owner-occupied, and the date confirms it as the primary residence, which are the same. |
| xxx | 87741 |  |  | xxx | CLTV | propertyValuationPage | xxx | xxx | As per tape and xxx CLTV is xxx |
| xxx | 87741 |  |  | xxx | Verified Doc Type | employmentIncomePage | ALT DOC | 1 Year Alt Doc | Tape reflects 1 yearr ALT DOC, In xxx we dont have a option to updated 1 yearr ALT DOC, we have option only ALT DOC which which are the same. |
| xxx | 87741 |  |  | xxx | Credit QM/ATR Designation | employmentIncomePage | ATR Lender documented All ATR UW Factors | Non-QM | Tape reflects NON-QM, Credit QM/ATR Desidnation updated in xxx as ATR Lender documented All ATR UW Factors. |
| xxx | 87741 |  |  | xxx | Qualifying FICO | creditLiabilitiesPage | 804 | 765 | The tape reflects a FICO score of 765, while the credit report reflects a score of 804. Per guidelines, for married applicants, only the primary wage earner is required to meet the tradeline and FICO requirements. |
| xxx | 87742 |  |  | xxx | Loan Purpose | the1003Page | Refinance | Cash-Out Refinance | The subject file is a cash-out refinance. In xxx, Loan Purpose and Refinance Purpose are selected separately. Accordingly, Loan Purpose was selected as Refinance; however, the tape reflects only Cash-Out. |
| xxx | 87742 |  |  | xxx | Occupancy | the1003Page | Investment | NonOwnerOccupied | The subject file is an investment property. The tape reflects Non-Owner Occupied; however, xxx does not have a Non-Owner Occupied option. Therefore, the Investment option was selected, as it reflects the same occupancy status. |
| xxx | 87742 |  |  | xxx | Property Type | propertyValuationPage | XXX | Detached | The subject file is a single-family detached property. In xxx, Property Type and Property Attachment Type are selected separately, and the Property Type has been selected as Single-Family Detached. However, the tape reflects only "Detached." |
| xxx | 87742 |  |  | xxx | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Investor - DSCR | The subject file is a DSCR loan. In the Employment tab, the Verified Document Type is required to be selected as Debt Service Coverage Ratio, and the same has been selected. xxx does not have an Investor-DSCR option. |
| xxx | 87742 |  |  | xxx | Credit QM/ATR Designation | employmentIncomePage | QM-ATR Exempt | Non-QM | The subject file is an investment property. The Credit QM/ATR designation has been selected as QM–ATR Exempt and updated in xxx. Although the tape reflects Non-QM, there is no Non-QM option available under the Credit QM/ATR designation section. |
| xxx | 87743 |  |  | xxx | Occupancy | the1003Page | Primary Residence | OwnerOccupied | Subject property is Primary Refinance Tape Reflects Owner Occupied. In xxx We Don't have the option to Select Owner Occupied therefore selected Primary Residence which is same. |
| xxx | 87743 |  |  | xxx | Loan Purpose | the1003Page | Refinance | Cash-Out Refinance | In xxx if Loan purpose is refinance we have to specify the purpose of refinance hence xxx Reflects Loan purpose as Refinance and purpose of refinance has to be selected separately. |
| xxx | 87743 |  |  | xxx | Property Type | propertyValuationPage | XXX | Detached | In xxx we have to specify property type and property attachment type separately however xxx reflects a single family Attached/Detached Separately. we Don't have option to select single Family's separately. |
| xxx | 87743 |  |  | xxx | Credit QM/ATR Designation | employmentIncomePage | ATR Lender documented All ATR UW Factors | Non-QM | Subject property is Primary Refinance we have to Select Credit QM ATR Designation as ATR Lender Documented all ATR UW Factors. However Tape Reflects Non QM Which doesn't have option in xxx. |
| xxx | 87744 |  |  | xxx | Occupancy | the1003Page | Investment | NonOwnerOccupied | The subject file is an investment loan. The tape reflects 'Non–Owner Occupied.' In the xxx, there is no option for 'Non–Owner Occupied'; therefore, 'Investment' is selected, which represents the same occupancy type. |
| xxx | 87744 |  |  | xxx | Loan Purpose | the1003Page | Refinance | NoCash-Out Refinance | The subject file is a rate-and-term refinance. Since this is a refinance loan, the xxx requires two selections: the loan purpose and the refinance purpose. The tape reflects the refinance purpose, while the xxx includes two separate fields for these selections. |
| xxx | 87744 |  |  | xxx | Property Type | propertyValuationPage | XXX | Detached | The subject file is a single-family detached property. In the xxx, the property type and property attachment type must be updated separately; therefore, it is selected as 'Single-Family' with 'Detached.' The tape reflects only 'Detached.' |
| xxx | 87744 |  |  | xxx | Credit QM/ATR Designation | employmentIncomePage | QM-ATR Exempt | Non-QM | The subject file is an investment loan. The Credit QM/ATR designation is required to be selected as 'QM–ATR Exempt.' The tape reflects 'Non-QM'; however, the xxx does not have a 'Non-QM' option available for selection. |
| xxx | 87745 |  |  | xxx | Occupancy | the1003Page | Primary Residence | OwnerOccupied | The subject property is a primary purchase, and the tape reflects owner-occupied. In xxx, there is no option for 'owner-occupied,' so 'primary residence' was selected, which is equivalent |
| xxx | 87745 |  |  | xxx | CLTV | propertyValuationPage | xxx | xxx | The subject property is a primary purchase. CLTV is reflecting as xxx based on the appraisal value; however, the sales price is lower. Therefore, the CLTV was calculated based on the sales price, and the same was used as the qualifying CLTV. |
| xxx | 87745 |  |  | xxx | Credit QM/ATR Designation | employmentIncomePage | ATR Lender documented All ATR UW Factors | Non-QM | The subject property is a primary residence; therefore, the credit QM designation was selected as 'ATR – Lender documented all ATR underwriting factors.' However, the tape reflects Non-QM. Since xxx does not have a Non-QM option, this selection was made." |
| xxx | 87746 |  |  | xxx | Amortization Term | notePage | 360 | 30 | Amortization term tape reflects 30 Years true date reflects 360 months which means same thing |
| xxx | 87746 |  |  | xxx | Loan Purpose | the1003Page | Refinance | Cash-Out Refinance | Tape reflects cashout refinance, 1003 we have only option to slect the refinance. |
| xxx | 87746 |  |  | xxx | Occupancy | the1003Page | Investment | NonOwnerOccupied | The tape shows non-owner occupied, and the 1003 lists the occupancy as investment, which mean the same thing |
| xxx | 87746 |  |  | xxx | Credit QM/ATR Designation | employmentIncomePage | QM-ATR Exempt | Non-QM | The tape shows NON-QM; however, xxx has been updated to QM – ATR Exempt since this is an investment file |
| xxx | 87746 |  |  | xxx | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Investor - No Ratio | Tape reflects Invester-No ratio, Verified Doc Type reflects DSCR, which mean the same thing. |
| xxx | 87747 |  |  | xxx | Occupancy | the1003Page | Investment | NonOwnerOccupied | The subject property is an investment. As xxx does not offer a non–owner-occupied option, it was marked as an investment. |
| xxx | 87747 |  |  | xxx | CLTV | propertyValuationPage | xxx | xxx | The true data reflects a CLTV of xxx, which is based on the appraised value. Since the sales price is lower, the qualifying CLTV is calculated using the sales price, and that figure is used as the qualifying CLTV |
| xxx | 87747 |  |  | xxx | Credit QM/ATR Designation | employmentIncomePage | QM-ATR Exempt | Non-QM | The subject property is an investment. For investment files, the Credit QM/ATR designation must be selected as "QM – ATR Exempt." The tape reflects Non-QM, which is not an available option in xxx. |
| xxx | 87747 |  |  | xxx | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Investor - DSCR | The subject file is a DSCR loan. As xxx does not provide an option to select "Investor – DSCR," the "Debt Service Coverage Ratio" option was selected instead. |
| xxx | 87748 |  |  | xxx | Occupancy | the1003Page | Investment | NonOwnerOccupied | Subject property is Investment Refinance Tape Reflects Nonowner Occupied. In xxx We Don't have the option to Select Nonowner Occupied therefore selected Investment Refinance which is same. |
| xxx | 87748 |  |  | xxx | Loan Purpose | the1003Page | Refinance | NoCash-Out Refinance | The loan file is Refinance . In xxx if loan is refinance we have to specify the loan purpose & purpose of refinance individually . tape reflects No cash-out directly |
| xxx | 87748 |  |  | xxx | Property Type | propertyValuationPage | XXX | Detached | The Subject is Single Family Detached in xxx we have two options separately single Family and Detached. However Tape Reflects only Detached. |
| xxx | 87748 |  |  | xxx | Credit QM/ATR Designation | employmentIncomePage | QM-ATR Exempt | Non-QM | The Subject Property is Investment So we have to Select QM-ATR Exempt. However Tape Reflects Non-QM. in xxx we don't have option Non-QM So we Select QM-ATR Exempt. |
| xxx | 87748 |  |  | xxx | Verified Doc Type | employmentIncomePage | Debt Service Coverage Ratio | Investor - DSCR | This File is DSCR however in xxx we have a option for Debt Service Coverage Ratio but tape reflecting Investor-DSCR. |
| xxx | 87749 |  |  | xxx | CLTV | propertyValuationPage | xxx | xxx | Tape reflects CLTV as xxx however calculated CLTV is also same . xxx CLTV is as per appraised value but sales price is lower CLTV is calculated accordingly . |
| xxx | 87749 |  |  | xxx | Credit QM/ATR Designation | employmentIncomePage | ATR Lender documented All ATR UW Factors | Non-QM | The subject property is a primary purchase; therefore, the Credit QM/ATR designation was selected as "ATR lender documented as ATR UW factors." The tape reflects Non-QM. |
| xxx | 87750 |  |  | xxx | Occupancy | the1003Page | Primary Residence | OwnerOccupied | The subject file is primary purchase. Tape reflects owner occupied . xxx don't have the option to select owner occupied . Therefore selected as primary residence . |
| xxx | 87750 |  |  | xxx | Property Type | propertyValuationPage | XXX | Detached | The subject is single family detached . In xxx we have to select property type & property attachment type separately whereas tape reflects only detached . |
| xxx | 87750 |  |  | xxx | Credit QM/ATR Designation | employmentIncomePage | Non QM - ATR | Non-QM | The subject file primary purchase. credit QM/ATR designation has to be selected as " Non-QM Lender documented all ATR UW factors" . Tape reflects Non-QM. |
| xxx | 87751 |  |  | xxx | Occupancy | the1003Page | Primary Residence | OwnerOccupied | Subject property is Primary Refinance Tape Reflects Owner Occupied. In xxx We Don't have the option to Select Owner Occupied therefore selected Primary Residence which is same. |
| xxx | 87751 |  |  | xxx | Property Type | propertyValuationPage | XXX | Detached | The Subject is Single Family Detached in xxx we have two options separately single Family and Detached. However Tape Reflects only Detached. |
| xxx | 87751 |  |  | xxx | CLTV | propertyValuationPage | xxx | xxx | CLTV xxx is Reflecting Based on Appraisal value sales price is lower so calculated accordingly and xxx is considered qualifying CLTV. |
| xxx | 87751 |  |  | xxx | Verified Doc Type | employmentIncomePage | 12 Month Bank Statement | Business Bank Stmt: 12 Mos | Borrower is Qualifying with 12 Months Business Bank statements. However Tape reflecting Business Bank statements. |
| xxx | 87751 |  |  | xxx | Credit QM/ATR Designation | employmentIncomePage | ATR Lender documented All ATR UW Factors | Non-QM | The Subject Property is Primary Residence So we have to Select ATR Lender Documented All ATR UW Factors. However Tape Reflects Non-QM. in xxx we don't have option Non-QM So we Select ATR Lender Documented All ATR UW Factors. |
| xxx | 87761 |  |  | xxx | CLTV | propertyValuationPage | xxx | xxx | In xxx CLTV reflects as xxx based on appraisal value , but in file sales price is lower than appraisal value. hence same is used for qualifying CLTV. |
| xxx | 87818 |  |  | xxx | Borrower 1 Last Name | notePage | xxx | xxx | The Borrower last name is xxx Tape reflects only xx . Updated as per note document in xxx. |
| xxx | 87831 |  |  | xxx | Borrower 1 Last Name | notePage | xxx | xxx | As per the Note Document Borrower Last name as xxx. However tape Reflect xxx. |
| xxx | 87831 |  |  | xxx | CLTV | propertyValuationPage | xxx | xxx | CLTV xxx is Reflecting Based on Appraisal value sales price is lower so calculated accordingly and xxx is considered qualifying CLTV. |
| xxx | 87833 |  |  | xxx | CLTV | propertyValuationPage | xxx | xxx | Subject file is simultaneously purchase. Hence Tape reflects CLTV as xxx but updated as per concurrent loans . |
| xxx | 87835 |  |  | xxx | Borrower 1 Last Name | notePage | xxx | xxx | As per the Note Document B1 Last name is xxx. However tape Reflects xxx. |
| xxx | 87838 |  |  | xxx | CLTV | propertyValuationPage | xxx | xxx | The subject is primary purchase . True data reflects CLTV as xxx based on appraisal value but as per file sales price is lower . Hence the same has been used for Qualifying LTV . |
| xxx | 87839 |  |  | xxx | Qualifying FICO | creditLiabilitiesPage | 741 | 728 | Per guidelines, the indicator score of the primary income earner is used as the Representative Credit Score for the loan. Since Borrower 1's income is not being used, Borrower 2's FICO score is considered. |
| xxx | 87841 |  |  | xxx | CLTV | propertyValuationPage | xxx | xxx | The loan is purchase . CLTV xxx is based on appraised value. however sales price is lower and xxx CLTV is calculated and same used for qualifying . |
| xxx | 87843 |  |  | xxx | CLTV | propertyValuationPage | xxx | xxx | The tape reflects a CLTV of xxx. However, the Loan Model reflects xxx based on the appraised value. As per the Loan Model, the Qualifying Property Value Flag requires using the lower value; therefore, this value has been used to calculate the qualifying LTV. |
| xxx | 87846 |  |  | xxx | CLTV | propertyValuationPage | xxx | xxx | Per the loan file, the LTV/CLTV and HLTV are reflected at xxx, and the xxx business purpose screen also shows xxx. |
| xxx | 88039 |  |  | xxx | Qualifying FICO | creditLiabilitiesPage | 789 | 770 | Tape data reflects 770 fico but as per guidelines primary wage earner mid score has to be used for qualifying. |
| xxx | 88041 |  |  | xxx | CLTV | propertyValuationPage | xxx | xxx | The subject file is a purchase. The file reflects a xxx CLTV based on the appraisal value; however, the file has a lower sales price, which has been used to calculate the Qualifying LTV. |
| xxx | 88046 |  |  | xxx | CLTV | propertyValuationPage | xxx | xxx | CLTV xxx is Reflecting Based on Appraisal value sales price is lower so calculated accordingly and xxx is considered qualifying CLTV. |
| xxx | 88046 |  |  | xxx | Property Type | propertyValuationPage | XXX | Detached | The Subject is Two to Four Units Attached in xxx we have two options separately Two to Four Units and Attached. However Tape Reflects Detached. |
| xxx | 88048 |  |  | xxx | CLTV | propertyValuationPage | xxx | xxx | The subject file is a purchase. The file reflects a xxx CLTV based on the appraisal value; however, the file has a lower sales price, which has been used to calculate the Qualifying LTV. |
| xxx | 88182 |  |  | xxx | Qualifying FICO | creditLiabilitiesPage | 743 | 741 | As per the latest Credit report Qualifying Fico Score is 743. However Tape reflects 741. |
| xxx | 88183 |  |  | xxx | CLTV | propertyValuationPage | xxx | xxx | The subject file LTV is xxx . tape reflects xxx based on rounding to 2 decimal but xxx captured as xxx |
| xxx | 88183 |  |  | xxx | Verified Doc Type | employmentIncomePage | 2YR Full Doc | Asset Related | The subject file is qualified based on Wage income and asset depletion . Tape reflects only asset related income but wage income is higher , so selected 2 Yr Full Doc |
| xxx | 88201 |  |  | xxx | CLTV | propertyValuationPage | xxx | xxx | CLTV xxx is Reflecting Based on Appraisal value sales price is lower so calculated accordingly and xxx is considered qualifying CLTV. |
| xxx | 88204 |  |  | xxx | Borrower 1 Last Name | notePage | xxx | xxx | As per the Document Borrower Last Name is xxx. However Tape reflects xxx. |
| xxx | 88212 |  |  | xxx | Primary Appraised Property Value | propertyValuationPage | xxx | xxx | Appraisal reflects xxx as a appraisal value but tape reflects xxx as per the prior purchase value which is used for the LTV calculation. |
| xxx | 88212 |  |  | xxx | CLTV | propertyValuationPage | xxx | xxx | CLTV xxx is Reflecting Based on Appraisal value. Prior Sale is lower so calculated accordingly and xxx is considered qualifying CLTV. |
| xxx | 87828 |  |  | xxx | Qualifying FICO | creditLiabilitiesPage | 789 | 792 | Qualifying Fico is 789. However Tape Reflects Qualifying Fico 792. Latest Credit report is available in file. |
| xxx | 88216 |  |  | xxx | CLTV | propertyValuationPage | xxx | xxx | CLTV xxx is Reflecting Based on Appraisal value sales price is lower so calculated accordingly and xxx is considered qualifying CLTV. |
| xxx | 88585 |  |  | xxx | CLTV | propertyValuationPage | xxx | xxx | CLTV xxx is Reflecting Based on Appraisal value sales price is lower so calculated accordingly and xxx is considered qualifying CLTV. |
| xxx | 88220 |  |  | xxx | CLTV | propertyValuationPage | xxx | xxx | CLTV xxx is Reflecting Based on Appraisal value sales price is lower so calculated accordingly and xxx is considered qualifying CLTV. |
| xxx | 88581 |  |  | xxx | CLTV | propertyValuationPage | xxx | xxx | CLTV xxx is Reflecting Based on Appraisal value sales price is lower so calculated accordingly and xxx is considered qualifying CLTV. |
| xxx | 88601 |  |  | xxx | CLTV | propertyValuationPage | xxx | xxx | The subject CLTV is xxx. In xxx, it is calculated as xxx, while the tape reflects xxx after rounding to two decimal places. |
| xxx | 88604 |  |  | xxx | Verified Doc Type | employmentIncomePage | 24 Month Bank Statement | Business Bank Stmt: 12 Mos | Tape reflects 12 months bank statement as per documents used 24 months business bank statement for the calulation borower income. |
| xxx | 88604 |  |  | xxx | Qualifying FICO | creditLiabilitiesPage | 778 | 781 | Tape reflects Fico score is 781, as per guideline Qualifying FICO is 778 updated in xxx. |
| xxx | 88365 |  |  | xxx | Primary Appraised Property Value | propertyValuationPage | xxx | xxx | The Subject Property Apprised Value is xxx. But Tap Reflects xxx Which is Sales Price. |
| xxx | 88365 |  |  | xxx | CLTV | propertyValuationPage | xxx | xxx | CLTV xxx is Reflecting Based on Appraisal value sales price is lower so calculated accordingly and xxx is considered qualifying CLTV. |
| xxx | 88575 |  |  | xxx | Borrower 1 Last Name | notePage | xxx | xxx | As per the document Borrower last name is xxx however tape reflects xxx. |
| xxx | 88298 |  |  | xxx | Borrower 1 Last Name | notePage | xxx | xxx | As per the document borrower Last name as xxx however tape reflects borrower Last name as xxx. |
| xxx | 88621 |  |  | xxx | CLTV | propertyValuationPage | xxx | xxx | Tapr reflects LTV IS xxx xxx also reflects LTV is xxx which are the same. |
| xxx | 88621 |  |  | xxx | Qualifying FICO | creditLiabilitiesPage | 796 | 781 | Tape reflects Fico score is 781, as per guideline For married applicants, only the primary wage earner needs to meet the tradeline /FICO standards, In xxx fico score updated as 796. |
| xxx | 88230 |  |  | xxx | CLTV | propertyValuationPage | xxx | xxx | Tape reflects CLTV xxx, xxx also reflects CLTV is xxx which are the same. |

---

## Exhibit 99.10

[MFA 2026-NQM2 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.10**

**Executive Summary**

MFA 2026-NQM2

**Overview**

Maxwell Diligence Solutions, LLC ("MaxDiligence") performed certain due diligence services (the "Review") described below on residential mortgage loans acquired by MFA Financial, Inc. The Review was conducted from December 2025 to March 2026 on mortgage loans originated from December 2025 to February 2026.

The Review consisted of 100% of the population of 7 loans with an original aggregate loan balance of $7,455,250.00.

**Scope of Review**

**Credit Review**

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

The credit review included the following:

&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. Check
 application is complete, signed, and dated, on or before loan consummation date, and
 the loan officer NMLS information 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 ("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 loan to value ("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. For
 each DSCR Loans, 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;&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

![](ex9911001.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;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;&nbsp;&nbsp;&nbsp;&nbsp;&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. Review
 for Business Purpose and Non-Owner Occupancy Certifications, as required according to
 the guidelines.

&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. Validate
 Social Security number and year issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify
 address information associated with the borrower (s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Determine
 if occupancy is supported

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Determine
 if red flags were adequately addressed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. <u>Reverification of Borrower Original and Audit Credit Report</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Validate
 borrower name(s), social security number(s), and addresses

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Investigate
 and clear any alias

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate
 credit inquiries within ninety (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. Verify
 address information associated with the borrower (s)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Confirms
 OFAC clearances

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Reveals
 any potential bankruptcy filings

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;6. <u>Review of Borrower Employment, Income, and Asset Information</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Compare
 for conflicting information

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Check
 dates for document expiration

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Complete
 forms and documentation

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Evaluate
 history and stability of employment

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Review
 employment and income by analyzing income documents and comparing against re-verification
 documents

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. W-2s
 and paystubs, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Transcripts
 (as applicable) support income

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Tax
 returns and profit and loss statements, as applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;v. Bank
 Statements or other alternate income documents as required by the guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vi. Consistent/continuing
 employment, if applicable

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;vii. Lease
 agreements and market rents, if applicable

![](ex9911001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Assets

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Confirm
 adequate funds to cover required down payment and closing costs and reserves

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Check
 dates for document expiration

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Sufficient
 funds were sourced and seasoned

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Gift
 funds verified and met guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. <u>Review Sales Contract</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Complete
 and executed

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Earnest
 money deposit verified

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Parties
 are consistent

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. Seller
 contributions are within guidelines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;8. <u>Hazard and Flood (if applicable)</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Verify
 sufficient coverage

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Verify
 coverage is for subject

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Validate
 all premiums are included in DTI and any required upfront premium is paid

&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. Effective October 1, 2022, loans with application dates on or after such date must comply with the General QM Final Rule, as well as the ATR rule. For these Loans, MaxDiligence will (a) confirm that the creditor provided a QM designation and (b) review the Loan for the eight (8) underwriting factors set forth Section 12(E)

![](ex9911001.jpg)

&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 (also known as General QM)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;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 October 1, 2022)

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

&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

![](ex9911001.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;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.

&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.

![](ex9911001.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;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.

**Property Review**

MaxDiligence performed a Property Review, which included the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. <u>Property Review</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. MaxDiligence
 will review the valuation materials utilized during the origination of the loan to confirm
 the value of the underlying property.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. MaxDiligence's
 review will include verifying the appraisal report for the following:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Appropriateness
 of valuation 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;ii. 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;iii. 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;iv. 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;v. 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;vi. 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;vii. The
 original appraisal report is made and signed prior to the final approval of the mortgage
 loan 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;viii. Any
 revisions, if made and known to MaxDiligence, to the original report are documented and
 dated completed and dated within the Guideline's restrictions,

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ix. 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;x. 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;xi. 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.

![](ex9911001.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;xii. 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.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. In
 addition, MaxDiligence will access the ASC database to verify that the appraiser, and
 if applicable the appraiser's supervisor, were licensed and in good standing at
 the time the appraisal was completed.

**Compliance Review**

Maxwell performed a "Compliance Review", which means that MaxDiligence reviewed 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 did 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.

![](ex9911001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;13. <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;14. <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.

![](ex9911001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;15. <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;16. <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;17. <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;18. <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;19. <u>TILA</u> 

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i. Points
 and fees threshold test;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. APR
 threshold test;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iii. Prepayment
 penalty test; and

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;iv. Compliance
 with the disclosure requirements, limitation on terms and prohibited acts or practices
 in connection with a high-cost mortgage.

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;ii. Compliance
 with the escrow account and appraisal requirements.

![](ex9911001.jpg)

&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 review 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;20. <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;

![](ex9911001.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;21. <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;22. <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.

![](ex9911001.jpg)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;23. <u>Exclusions</u>.
 MaxDiligence will not test:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a. Loan
 types that are excluded from compliance with TRID.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b. Technical
 formatting of disclosures.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c. Other
 Post-consummation disclosures, including Escrow Closing Notice; and Mortgage servicing
 transfer and partial payment notices.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d. For
 Loans made by an FDIC-supervised institution or servicer, extended or renewed on or after
 January 1, 2016, whether prohibited fees were collected prior to the initial LE being
 issued

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e. Whether
 any fee is a "bona fide" fee for third-party services

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f. Whether
 the loans comply with all federal, state or local laws, constitutional provisions, regulations
 or ordinances that are not expressly enumerated above.

![](ex9911001.jpg)

**Summary of Results**

**OVERALL RESULTS SUMMARY** 

After giving consideration to the grading criteria of the relevant NRSROs, 100% of the loans received a grade "B" or higher with 42.86% of the pool receiving an Overall "A" grade.

**Final Loan Grades**

---

| | | |
|:---|:---|:---|
| **Rating Agency Final Overall Grade Summary** | **Rating Agency Final Overall Grade Summary** | **Rating Agency Final Overall Grade Summary** |
| **Overall** | **# of Mortgage Loans** | **% of Mortgage Loans** |
| A | 3 | 42.86% |
| B | 4 | 57.14% |
| C | 0 | 0.0% |
| D | 0 | 0.0% |
| **Total** | **7** | **100.0%** |
| **Final Credit Grade Summary** | **Final Credit Grade Summary** | **Final Credit Grade Summary** |
| **Credit** | **# of Mortgage Loans** | **% of Mortgage Loans** |
| A | 3 | 42.86% |
| B | 4 | 57.14% |
| C | 0 | 0.0% |
| D | 0 | 0.0% |
| **Total** | **7** | **100.0%** |
| **Final Property Grade Summary** | **Final Property Grade Summary** | **Final Property Grade Summary** |
| **Property** | **# of Mortgage Loans** | **% of Mortgage Loans** |
| A | 7 | 100.0% |
| B | 0 | 0.0% |
| C | 0 | 0.0% |
| D | 0 | 0.0% |
| **Total** | **7** | **100.0%** |
| **Final Compliance Grade Summary** | **Final Compliance Grade Summary** | **Final Compliance Grade Summary** |
| **Compliance** | **# of Mortgage Loans** | **% of Mortgage Loans** |
| A | 7 | 100.0% |
| B | 0 | 0.0% |
| C | 0 | 0.0% |
| D | 0 | 0.0% |
| **Total** | **7** | **100.0%** |

---

![](ex9911001.jpg)

**Exception Category Summary**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception Type** | &nbsp;&nbsp;**Exception Level Grade** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Asset 1 Less Than 2 Months Verified | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Asset 2 Less Than 2 Months Verified | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Asset 3 Less Than 2 Months Verified | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Asset 4 Less Than 2 Months Verified | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Asset 5 Less Than 2 Months Verified | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Asset 6 Less Than 2 Months Verified | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Credit Documentation - Undisclosed Liabilities | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Eligibility - Citizenship Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Hazard Insurance Coverage Amount is less than Required Coverage Amount | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Hazard Insurance Policy is Partial | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Income and Employment Do Not Meet Guidelines | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions*** | &nbsp;&nbsp;***13*** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Audited FICO is less than Guideline FICO | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Delinquent Credit History Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Hazard Insurance Policy is Partial | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Housing History Does Not Meet Guideline Requirements | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions*** | &nbsp;&nbsp;***4*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;No Property Findings | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Value - Value is supported within -10% of original appraisal amount | &nbsp;&nbsp;6 |
|  |  | &nbsp;&nbsp;***Total Property Grade (A) Exceptions*** | &nbsp;&nbsp;***7*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Final CD: Closing Date is missing or inaccurate | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;No Compliance Tests Performed | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;PUD Rider is Missing | &nbsp;&nbsp;1 |
|  |  | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions*** | &nbsp;&nbsp;***7*** |

---

![](ex9911001.jpg)

**DATA TAPE INTEGRITY REVIEW SUMMARY**

As part of the Credit, Property, and Compliance Reviews, MaxDiligence captured data from the source documents and compared it to a data tape provided by Client. MaxDiligence provided Client a Data Discrepancy Report which shows the differences between the tape data and the data captured by MaxDiligence during the diligence process.

Of the 7 mortgage loans reviewed, 2 unique mortgage loans (by loan count) had a total of 3 different tape discrepancies across 3 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;Qualifying FICO | &nbsp;&nbsp;1 | &nbsp;&nbsp;7 | &nbsp;&nbsp;14.29% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;1 | &nbsp;&nbsp;7 | &nbsp;&nbsp;14.29% |
| &nbsp;&nbsp;Reviewed Total Debt Income Ratio | &nbsp;&nbsp;1 | &nbsp;&nbsp;7 | &nbsp;&nbsp;14.29% |

---

**Event Grade Definitions**

---

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

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Credit Event Grades** | &nbsp;&nbsp;**Credit Event Grades** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;The loan meets the published guidelines without any exceptions. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |
| &nbsp;&nbsp;B | &nbsp;&nbsp;The loan substantially meets the published guidelines but reasonable compensating factors were considered and documented for exceeding published guidelines. The employment, income, assets and occupancy are supported and justifiable. The borrower's willingness and ability to repay the loan is documented and reasonable. |

---

![](ex9911001.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Credit Event Grades** | &nbsp;&nbsp;**Credit Event Grades** |
| &nbsp;&nbsp;C | &nbsp;&nbsp;The loan does not substantially meet the published guidelines. There are not sufficient compensating factors that justify exceeding the published guidelines. The employment, income, assets or occupancy are not supported and justifiable. The borrower's willingness and ability to repay the loan were not documented or are unreasonable. |
| &nbsp;&nbsp;D | &nbsp;&nbsp;There was not sufficient documentation to perform a review or the credit file was not furnished. |

---

---

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

---

---

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

---

## Exhibit 99.10

[MFA 2026-NQM2 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.10 - Schedule 1**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Last Name** | **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** |
| XXXX | 87028 |  | xx/xx/xxxx | xxxxx | xxxxx CA | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6615539 | 1 of 3 | xx/xx/xxxx | Compliance | Final CD: Closing Date is missing or inaccurate |  |  | Document Uploaded. Business purpose loan no Final CD. Attached is final settlement statement. Please clear condition. - 12/19/2025<br>| Received final settlement statement - 12/22/2025<br>|  | 2025-12-22 14:25 | Resolved | 3 | 1 | 3 | 2 |
| XXXX | 87028 |  | xx/xx/xxxx | xxxxx | xxxxx CA | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6615545 | 2 of 3 | xx/xx/xxxx | Credit | Hazard Insurance Policy is Partial | Hazard insurance policy partially provided. Per guidelines Rent Loss insurance covering a minimum of 6 months rent is required for the subject property. <br>|  | Document Uploaded. No rent is being used (No DSCR loan vs DSCR .75 or higher) therefore exception approval attached waiving requirement for 6 mos rent loss coverage. Please clear condition. NOTE: Borrower changed insurance carriers and attached is new insurance and paid receipt. Corrected 1008/1003 reflecting new insurance premium also attached. - 02/06/2026<br>| Exception approval provided. Condition waived. - 02/09/2026<br>| FICO 60 POINTS ABOVE MIN<br> PERFECT CREDIT WITH SINCE xxxxx AND MTGS SINCE xxxxx<br> 118 MOS RESERVES ABOVE MINIMUM<br> LTV 32% BELOW MAXIMUM | 2026-02-09 20:05 | Waived | 3 | 2 | 3 | 2 |
| XXXX | 87028 |  | xx/xx/xxxx | xxxxx | xxxxx CA | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 6615548 | 3 of 3 | xx/xx/xxxx | 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>|  |  |  |  | 2025-12-14 07:56 | Cleared | 1 | 1 | 3 | 2 |
| XXXX | 87760 |  | xx/xx/xxxx | xxxxx | xxxxx CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 7812210 | 1 of 3 | xx/xx/xxxx | Compliance | PUD Rider is Missing | PUD Rider is missing. <br>|  | Appraisal in file with the effective date of xxxxx indicates the subject property is a PUD though it doesn't reflect what the monthly fee amount is. However, a PUD Rider was not executed at closing. - 03/02/2026 <br>Document Uploaded. - 04/08/2026 | The PUD Rider is Present or is not applicable (Property Type is PUD) - 05/01/2026<br>Received recorded DOT with PUD rider - 04/09/2026<br>|  | 2026-05-01 16:58 | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 87760 |  | xx/xx/xxxx | xxxxx | xxxxx CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 7812439 | 2 of 3 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2026-02-25 22:59 | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 87760 |  | xx/xx/xxxx | xxxxx | xxxxx CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 7812441 | 3 of 3 | xx/xx/xxxx | 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>|  |  |  |  | 2026-02-25 22:59 | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 87989 |  | xx/xx/xxxx | xxxxx | xxxxx FL | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 7787320 | 1 of 4 | xx/xx/xxxx | Credit | Housing History Does Not Meet Guideline Requirements | Housing history does not meet guideline requirements. Approved exception present for rent free borrower with less than 12 month housing payment history. Subject verified 6 months only with 1 late documentation provided to support error. <br>|  |  |  | Comp factors: FICO 20 points over minimum of 720. DTI of 21.06% with a 50% maximum. Reserves 5 months more than required 3 months. | 2026-05-13 14:30 | Waived | 2 | 2 | 2 | 2 |
| XXXX | 87989 |  | xx/xx/xxxx | xxxxx | xxxxx FL | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 7787826 | 2 of 4 | xx/xx/xxxx | 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>|  |  |  |  | 2026-02-24 22:38 | Cleared | 1 | 1 | 2 | 2 |
| XXXX | 87989 |  | xx/xx/xxxx | xxxxx | xxxxx FL | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 7787832 | 3 of 4 | xx/xx/xxxx | Compliance | No Compliance Tests Performed | DSCR / Business Purpose loans are exempt from Reg Z and Reg X. <br>|  |  |  |  | 2026-02-24 22:38 | Cleared | 1 | 1 | 2 | 2 |
| XXXX | 87989 |  | xx/xx/xxxx | xxxxx | xxxxx FL | Investment | Refinance | ATR/QM: Exempt | ATR/QM: Exempt | 7787834 | 4 of 4 | xx/xx/xxxx | Credit | No Credit Findings | The loan meets all applicable credit guidelines. <br>|  |  |  |  | 2026-02-24 22:38 | Cleared | 1 | 1 | 2 | 2 |
| XXXX | 87963 |  | xx/xx/xxxx | xxxxx | xxxxx CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 7898663 | 1 of 4 | xx/xx/xxxx | 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>|  |  |  |  | 2026-03-03 17:04 | Cleared | 1 | 1 | 3 | 2 |
| XXXX | 87963 |  | xx/xx/xxxx | xxxxx | xxxxx CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 7898725 | 2 of 4 | xx/xx/xxxx | Credit | Audited FICO is less than Guideline FICO | Audited FICO is less than guideline FICO. Minimum FICO score is 660 per guidelines. Qualifying FICO is 650. A formal exception was done to allow. However, the rating agencies require a minimum of 2 compensating factors cited for an approved exception. <br>|  | Document Uploaded. Updated exception approval with added comp factor attached. Please clear condition. - 03/06/2026<br>| Exception approval provided. Condition waived. - 03/09/2026<br>| 1) Excess Assets of xxxxx<br> 2) No Mtg Lates in last 3 years | 2026-03-09 21:10 | Waived | 3 | 2 | 3 | 2 |
| XXXX | 87963 |  | xx/xx/xxxx | xxxxx | xxxxx CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 7898753 | 3 of 4 | xx/xx/xxxx | Credit | Eligibility - Citizenship Requirements | The documented citizenship does not meet guideline requirements. The co-borrower is a Permanent Resident. File does not contain a I-151 form as required by guidelines. <br>|  | Document Uploaded. - 03/09/2026<br>| Permanent Resident card provided. Condition resolved. - 03/09/2026<br>|  | 2026-03-09 21:13 | Resolved | 3 | 1 | 3 | 2 |
| XXXX | 87963 |  | xx/xx/xxxx | xxxxx | xxxxx CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 7908199 | 4 of 4 | xx/xx/xxxx | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2026-03-03 22:50 | Cleared | 1 | 1 | 3 | 2 |
| XXXX | 87985 |  | xx/xx/xxxx | xxxxx | xxxxx CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 7935763 | 1 of 4 | xx/xx/xxxx | Credit | Hazard Insurance Coverage Amount is less than Required Coverage Amount | Coverage Amount - Hazard insurance amount is less than required coverage amount. <br>|  | Document Uploaded. See 2026-2027 dwelling and xxxxx - 03/10/2026 | RCE and HOI Policy provided. Condition resolved. - 03/12/2026<br> Coverage Amount - Hazard Insurance of $xxxxx is equal to or greater than Required Coverage Amount of $xxxxx - 03/12/2026 |  | 2026-03-12 20:26 | Resolved | 3 | 1 | 3 | 2 |
| XXXX | 87985 |  | xx/xx/xxxx | xxxxx | xxxxx CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 7958830 | 2 of 4 | xx/xx/xxxx | Property | No Property Findings | Loan meets applicable appraisal guidelines. <br>|  |  |  |  | 2026-03-10 17:17 | Cleared | 1 | 1 | 3 | 2 |
| XXXX | 87985 |  | xx/xx/xxxx | xxxxx | xxxxx CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 8020447 | 3 of 4 | xx/xx/xxxx | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2026-03-10 14:50 | Cleared | 1 | 1 | 3 | 2 |
| XXXX | 87985 |  | xx/xx/xxxx | xxxxx | xxxxx CA | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 8294030 | 4 of 4 | xx/xx/xxxx | Credit | Delinquent Credit History Does Not Meet Guideline Requirements | Delinquent Credit History does not meet guideline requirements. <br>|  |  | Delinquent Credit History does not meet guideline requirements. Exception approved for Foreclosure action started on HELOC. LOE provides reason for action as medical condition of now deceased spouse who handled finances. Account is now Paid in full. LTV limit set at 60%. - 03/24/2026<br>| Compensating factors include LTV of 60%, Borrower residing in the subject for >21 years and over xxxxxin verified assets. | 2026-03-24 17:29 | Waived | 2 | 2 | 3 | 2 |
| XXXX | 88180 |  | xx/xx/xxxx | xxxxx | xxxxx FL | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 7963497 | 1 of 4 | xx/xx/xxxx | Credit | Credit Documentation - Undisclosed Liabilities | An undisclosed liability was found on the updated credit report that was not located on the original credit report. Missing documentation to support the HOA dues for the following property. If no HOA dues, a brief Letter of Explanation stating so is required: xxxxx xxxxx xxxxx <br>|  | Document Uploaded. Not sure what other debt is being referred to on refresh credit report as not addressed but all debt on refresh credit report was accounted for on 1003 and DTI and HOA statement was in file but have attached again. Please review and clear condition. - 03/11/2026<br>| HOA info provided. Condition resolved. - 03/13/2026<br>|  | 2026-03-13 19:40 | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 88180 |  | xx/xx/xxxx | xxxxx | xxxxx FL | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 7963516 | 2 of 4 | xx/xx/xxxx | Credit | Hazard Insurance Policy is Partial | Hazard insurance policy partially provided. Missing mortgagee clause for Subordinate Lien on subject property's Hazard Insurance policy. <br>|  | Document Uploaded. - 03/20/2026<br>| Updated Hazard insurance provided. Condition resolved. - 03/23/2026<br>|  | 2026-03-23 16:13 | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 88180 |  | xx/xx/xxxx | xxxxx | xxxxx FL | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 7963521 | 3 of 4 | xx/xx/xxxx | 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>|  |  |  |  | 2026-03-06 05:43 | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 88180 |  | xx/xx/xxxx | xxxxx | xxxxx FL | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 7963526 | 4 of 4 | xx/xx/xxxx | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2026-03-06 05:45 | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 87852 |  | xx/xx/xxxx | xxxxx | xxxxx FL | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 7985672 | 1 of 9 | xx/xx/xxxx | Credit | Asset 1 Less Than 2 Months Verified | Asset has less than 2 months verified in file. Only provided 1 month of Bank stmts.<br> Needed for all 6 accounts<br> Asset 1, 2, 3, 4, 5, 6, <br>|  | Document Uploaded. - 03/10/2026<br>| Asset 1 Verified Sufficiently - 03/13/2026<br>Asset 1 Verified Sufficiently - 03/13/2026<br>|  | 2026-03-13 14:19 | Resolved | 3 | 1 | 3 | 1 |
| XXXX | 87852 |  | xx/xx/xxxx | xxxxx | xxxxx FL | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 7985673 | 2 of 9 | xx/xx/xxxx | Credit | Asset 2 Less Than 2 Months Verified | Asset has less than 2 months verified in file. Only provided 1 month of Bank stmts. <br>|  |  | Asset 2 Verified Sufficiently Or Not Applicable - 03/13/2026<br>|  | 2026-03-13 14:33 | Resolved | 1 | 1 | 3 | 1 |
| XXXX | 87852 |  | xx/xx/xxxx | xxxxx | xxxxx FL | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 7985674 | 3 of 9 | xx/xx/xxxx | Credit | Asset 3 Less Than 2 Months Verified | Asset has less than 2 months verified in file. Only provided 1 month of Bank stmts. <br>|  |  | Asset 3 Verified Sufficiently Or Not Applicable - 03/13/2026<br>|  | 2026-03-13 14:19 | Resolved | 1 | 1 | 3 | 1 |
| XXXX | 87852 |  | xx/xx/xxxx | xxxxx | xxxxx FL | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 7985675 | 4 of 9 | xx/xx/xxxx | Credit | Asset 4 Less Than 2 Months Verified | Asset has less than 2 months verified in file. <br>|  |  | Asset 4 Verified Sufficiently Or Not Applicable - 03/13/2026<br>|  | 2026-03-13 14:19 | Resolved | 1 | 1 | 3 | 1 |
| XXXX | 87852 |  | xx/xx/xxxx | xxxxx | xxxxx FL | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 7985676 | 5 of 9 | xx/xx/xxxx | Credit | Asset 5 Less Than 2 Months Verified | Asset has less than 2 months verified in file. Only provided 1 month of Bank stmts. <br>|  |  | Asset 5 Verified Sufficiently Or Not Applicable - 03/13/2026<br>|  | 2026-03-13 14:19 | Resolved | 1 | 1 | 3 | 1 |
| XXXX | 87852 |  | xx/xx/xxxx | xxxxx | xxxxx FL | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 7985677 | 6 of 9 | xx/xx/xxxx | Credit | Asset 6 Less Than 2 Months Verified | Asset has less than 2 months verified in file. Only provided 1 month of Bank stmts. <br>|  |  | Asset 6 Verified Sufficiently Or Not Applicable - 03/13/2026<br>|  | 2026-03-13 14:19 | Resolved | 1 | 1 | 3 | 1 |
| XXXX | 87852 |  | xx/xx/xxxx | xxxxx | xxxxx FL | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 7985725 | 7 of 9 | xx/xx/xxxx | 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>|  |  |  |  | 2026-03-08 07:05 | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 87852 |  | xx/xx/xxxx | xxxxx | xxxxx FL | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 7985727 | 8 of 9 | xx/xx/xxxx | Compliance | No Compliance Findings | The loan meets all applicable compliance guidelines. <br>|  |  |  |  | 2026-03-08 07:05 | Cleared | 1 | 1 | 3 | 1 |
| XXXX | 87852 |  | xx/xx/xxxx | xxxxx | xxxxx FL | Primary Residence | Refinance | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 8096006 | 9 of 9 | xx/xx/xxxx | Credit | Income and Employment Do Not Meet Guidelines | Income and employment do not meet guidelines. only 1 month statement was received and asset depletion requires 2 per guidelines. <br>|  | Document Uploaded. Provided 3 months - 03/13/2026<br>| Additional Statements were provided. Condition resolved. - 03/17/2026<br>Income and Employment Meet Guidelines - 03/17/2026<br>|  | 2026-03-17 17:54 | Resolved | 3 | 1 | 3 | 1 |

---

## Exhibit 99.10

[MFA 2026-NQM2 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.10 - Schedule 2**

![](maxwell-logo.jpg)

Client xxxx <br> Transaction xxxx <br> Date 05/13/2026

---

| | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Customer Loan ID** | **Seller Loan ID** | **Note Date** | **Original Loan Amount** | **Initial Loan Rating** | **Final Loan Rating** | **Initial Credit Rating** | **Final Credit Rating** | **Initial Compliance Rating** | **Final Compliance Rating** | **Initial Valuation Rating** | **Final Valuation Rating** |
| XXX | 87028 |  | xx/xx/xxxx | xxxxx | 3 | 2 | 3 | 2 | 3 | 1 | 1 | 1 C B A |
| XXX | 87760 |  | xx/xx/xxxx | xxxxx | 3 | 1 | 1 | 1 | 3 | 1 | 1 | 1 C A |
| XXX | 87989 |  | xx/xx/xxxx | xxxxx | 2 | 2 | 2 | 2 | 1 | 1 | 1 | 1 B A |
| XXX | 87963 |  | xx/xx/xxxx | xxxxx | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXX | 87985 |  | xx/xx/xxxx | xxxxx | 3 | 2 | 3 | 2 | 1 | 1 | 1 | 1 C B A |
| XXX | 88180 |  | xx/xx/xxxx | xxxxx | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |
| XXX | 87852 |  | xx/xx/xxxx | xxxxx | 3 | 1 | 3 | 1 | 1 | 1 | 1 | 1 C A |

---

## Exhibit 99.10

[MFA 2026-NQM2 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.10 - 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 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 | 87028 |  | xx/xx/xxxx | xxxxx |  | xxxxx | xxxxx | xx/xx/xxxx | 1004 URAR | xxxxx | xxxxx | xxxxx | 32.76 | 32.76 | xxxxx | xxxxx | xxxxx | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xx/xx/xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 09-26-2025 |
| XXX | 87760 |  | xx/xx/xxxx | xxxxx |  | xxxxx | xxxxx | xx/xx/xxxx | 1004 URAR | xxxxx | xxxxx | xxxxx | 19.91 | 74.75 | xxxxx | xxxxx | xxxxx | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxx | xxxxx | .0000 | xxxxx | Low Risk | xx/xx/xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 87989 |  | xx/xx/xxxx | xxxxx |  | xxxxx | xxxxx | xx/xx/xxxx | 1004 URAR | xxxxx | xxxxx | xxxxx | 75.0 | 75.0 | xxxxx | xxxxx | xxxxx | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxx | xxxxx | .0000 | xxxxx | Low Risk | xx/xx/xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 87963 |  | xx/xx/xxxx | xxxxx |  | xxxxx | xxxxx | xx/xx/xxxx | 1004 URAR | xxxxx | xxxxx | xxxxx | 75.0 | 75.0 | xxxxx | xxxxx | xxxxx | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxx | xxxxx | .0000 | xxxxx | Moderate Risk | xx/xx/xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 87985 |  | xx/xx/xxxx | xxxxx |  | xxxxx | xxxxx | xx/xx/xxxx | 1004 URAR | xxxxx | xxxxx | xxxxx | 60.0 | 60.0 | xxxxx | xxxxx | xxxxx | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxx | xxxxx | .0000 | xxxxx | Low Risk | xx/xx/xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 88180 |  | xx/xx/xxxx | xxxxx |  | xxxxx | xxxxx | xx/xx/xxxx | 1004 URAR | xxxxx | xxxxx | xxxxx | 61.67 | 64.72 | xxxxx | xxxxx | xxxxx | 1004 URAR |  |  |  |  | xxxxx | xxxxx | .0056 | xx/xx/xxxx | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXX | 87852 |  | xx/xx/xxxx | xxxxx |  | xxxxx | xxxxx | xx/xx/xxxx | 1073 Individual Condo Report | xxxxx | xxxxx | xxxxx | 45.24 | 45.24 | xxxxx | xxxxx | xxxxx | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxxxx | xxxxx | .0000 | xxxxx | Low Risk | xx/xx/xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.10

[MFA 2026-NQM2 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.10 - 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** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Months of Paystubs Verified** | **Co Borrower Months of Paystubs Verified** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower # 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** |
| XXX | 87028 |  | xxxxx | xxxxx | xxxxx | No | xxxxx | xxxxx | xxxxx | xxxxx | xx/xx/xxxx | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | xxxxx | xxxxx | xxxxx | No | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx |  | N/A |  |  | xxxxx |  |  | 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 | 1.086 | 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 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xx/xx/xxxx | xx/xx/xxxx |  |  |  | 800 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No |  | xxxxx | xxxxx | Standard Driver's License - Not for federal use |  | xxxxx | xxxxx | xx/xx/xxxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 395609.00 | 113.1 | No | 32.76 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | xxxxx |  |  |  | false | 1 | xx/xx/xxxx | Fixed | DSCR | Cash Out - Other | xxxxx | xxxxx | xxxxx | xxxxx |  |  |  |  |  |  |  |  |  |  |  |  | 5% | xxxxx | xxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | xxxxx |  |  |  | xxxxx | xxxxx | Suburban | xxxxx | xxxxx | xxxxx |
| XXX | 87760 |  | xxxxx | xxxxx | xxxxx | No | xxxxx | xxxxx | xxxxx | xxxxx | xx/xx/xxxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | QM Points and Fees Exceeded | 6350.00 | xx/xx/xxxx | 6.060% | Manual Underwriting | Manual Underwriting | No | xxxxx |  | xxxxx | xxxxx | xxxxx | No | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | N/A | xxxxx | xxxxx | xxxxx |  | Monthly | 40.57% | 40.71% | 40.71% | No | Yes |  |  |  |  |  |  | Employed | Employed |  |  |  |  | 2YR Full Doc | 2 | 2 | 2+ Months | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 1 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, Overtime - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2023","2025"] - 2024, 2023, 2025 \|\| Co Borrower - Wage, Commission - 2 YRS W2 1099 Verified, 2+ Months Paystubs Verified, 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2024","2023","2025"] - 2024, 2023, 2025 \|\| Co Borrower - 1 YR Executed 4506T Verified, 1 YR IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xx/xx/xxxx | xx/xx/xxxx | xx/xx/xxxx |  |  | 779 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | xxxxx | xxxxx | xxxxx | Real ID Driver's License |  | xxxxx | xxxxx | xx/xx/xxxx |  |  | N/A |  |  | xxxxx | xxxxx | xxxxx | Real ID Driver's License |  | xxxxx | xxxxx | xx/xx/xxxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 5915.60 | 0.9 | 207024.72 | 31.5 | No | 74.75 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | xxxxx | xxxxx |  |  | false | 1 | xx/xx/xxxx | Fixed | Conventional | Cash Out - Other | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx |  |  |  |  |  |  |  |  | No Prepayment Penalty | xxxxx | xxxxx | xxxxx | xxxxx |  |  |  |  | xxxxx | xxxxx | xxxxx | xxxxx |  |  |  |  | N/A - Not investment property | 14 | 12.33 |  |  | xxxxx | xxxxx |  |  | xxxxx | xxxxx | Suburban | xxxxx | xxxxx | xxxxx |
| XXX | 87989 |  | xxxxx | xxxxx | xxxxx | No | xxxxx | xxxxx | xxxxx | xxxxx | xx/xx/xxxx | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | xxxxx | xxxxx | xxxxx | No | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | N/A |  |  | xxxxx |  |  | 21.06% | 21.06% | 21.06% | 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 - , Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - Business Bank Statements Verified - ["2025","2026","2024"] - 2025, 2026, 2024 | Borrower - ["2025","2026","2024"] - 2025, 2026, 2024 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xx/xx/xxxx | xx/xx/xxxx |  |  |  | 740 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | Unknown | No |  |  | No | xxxxx | xxxxx | xxxxx | Standard Driver's License - Not for federal use |  | xxxxx | xxxxx | xx/xx/xxxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 23117.68 | 8.4 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A | xxxxx |  |  |  | false | 1 | xx/xx/xxxx | Fixed | Conventional | Cash Out - Other | xxxxx | xxxxx | xxxxx | xxxxx |  |  |  |  |  |  |  |  |  |  |  |  | 6 Months Interest | xxxxx | xxxxx |  |  |  |  |  |  | xxxxx | xxxxx |  |  |  |  |  |  | No | 11 |  |  |  | xxxxx |  |  |  | xxxxx | xxxxx | Suburban | xxxxx | xxxxx | xxxxx |
| XXX | 87963 |  | xxxxx | xxxxx | xxxxx | No | xxxxx | xxxxx | xxxxx | xxxxx | xx/xx/xxxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Interest Only | 16460.00 | xx/xx/xxxx | 6.140% | Manual Underwriting | Manual Underwriting | No | xxxxx |  | xxxxx | xxxxx | xxxxx | No | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx |  | N/A | xxxxx | xxxxx | xxxxx |  | Monthly | 0.00% | 0.00% | 0.00% | No | No |  |  |  |  |  |  | Not Employed | Not Employed |  |  |  |  | Asset Utilization (No DTI) | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | Yes | 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 - N/A \|\| Co Borrower - N/A | Borrower \|\| Co Borrower | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xx/xx/xxxx | xx/xx/xxxx | xx/xx/xxxx |  |  | 650 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | xxxxx | xxxxx | xxxxx | Real ID Driver's License |  | xxxxx | xxxxx | xx/xx/xxxx |  |  | N/A |  |  | xxxxx | xxxxx | xxxxx | Real ID Driver's License |  | xxxxx | xxxxx | xx/xx/xxxx |  |  | I-151 Permanent Resident Card |  | xx/xx/xxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 2113724.88 | 175.3 | 2433045.15 | 201.7 | No | 75 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | xxxxx | xxxxx |  |  | false | 1 | xx/xx/xxxx | Fixed | Conventional | Cash Out - Other | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx |  |  |  |  |  |  |  |  | No Prepayment Penalty | xxxxx | xxxxx | xxxxx | xxxxx |  |  |  |  |  |  |  |  |  |  |  |  | N/A - Not investment property | 2 |  |  |  | xxxxx | xxxxx |  |  | xxxxx | xxxxx | Suburban | xxxxx | xxxxx | xxxxx |
| XXX | 87985 |  | xxxxx | xxxxx | xxxxx | No | xxxxx | xxxxx | xxxxx | xxxxx | xx/xx/xxxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternate Income Documentation | 18530.00 | xx/xx/xxxx | 6.100% | Manual Underwriting | Manual Underwriting | No | xxxxx |  | xxxxx | xxxxx | xxxxx | No | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx |  | N/A |  |  | xxxxx |  |  | 0.00% | 0.00% | 0.00% | No |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | Asset Depletion – Total Asset Calculation | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | Yes | 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 - N/A | Borrower | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xx/xx/xxxx | xx/xx/xxxx |  |  |  | 700 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 5 | 7 | 17 | 0 | 5 | 7 | 17 | Unknown | No |  |  | No | xxxxx | xxxxx | xxxxx | Real ID Driver's License |  | xxxxx | xxxxx | xx/xx/xxxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 6260768.96 | 939.1 | 6901334.49 | 1035.2 | No | 60 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | xxxxx |  |  |  | false | 1 | xx/xx/xxxx | Fixed | Conventional | Cash Out - Other | xxxxx | xxxxx | xxxxx | xxxxx |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | xxxxx | xxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A - Not investment property | 2 |  |  |  | xxxxx |  |  |  | xxxxx | xxxxx | Suburban | xxxxx | xxxxx | xxxxx |
| XXX | 88180 |  | xxxxx | xxxxx | xxxxx | No | xxxxx | xxxxx | xxxxx | xxxxx | xx/xx/xxxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternate Income Documentation | 30162.20 | xx/xx/xxxx | 6.060% | Manual Underwriting | Manual Underwriting | No | xxxxx |  | xxxxx | xxxxx | xxxxx | No | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | N/A |  |  | xxxxx |  |  | 14.37% | 14.37% | 14.37% | 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% |  | Stocks/Bonds | N/A | 0 | N/A |  |  |  | Yes | 24 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - , , , Other REO Net Rental Income(Loss) - CPA Letter Verified, Business Bank Statements Verified - ["2025"] - 2025 | Borrower - ["2025"] - 2025 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xx/xx/xxxx | xx/xx/xxxx |  |  |  | 721 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No | Closed End - Fixed |  | No | xxxxx | xxxxx | xxxxx | Real ID Driver's License |  | xxxxx | xxxxx | xx/xx/xxxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 117668.65 | 10.6 | 117668.65 | 10.6 | No | 64.72 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | xxxxx |  |  |  | false | 1 | xx/xx/xxxx | Fixed | Conventional | No Cash Out - Borrower Initiated | xxxxx | xxxxx | xxxxx | xxxxx |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | xxxxx | xxxxx |  |  |  |  |  |  | xxxxx | xxxxx |  |  |  |  |  |  | N/A - Not investment property | 20 |  |  |  | xxxxx |  |  |  | xxxxx | xxxxx | Suburban | xxxxx | xxxxx | xxxxx |
| XXX | 87852 |  | xxxxx | xxxxx | xxxxx | No | xxxxx | xxxxx | xxxxx | xxxxx | xx/xx/xxxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Alternate Income Documentation | 21585.00 | xx/xx/xxxx | 6.100% | Manual Underwriting | Manual Underwriting | No | xxxxx |  | xxxxx | xxxxx | xxxxx | No | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | Yes | xxxxx | xxxxx | xxxxx |  | Monthly | 35.71% | 35.71% | 35.71% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Full Doc | 2 |  | NA |  | N/A | 0 |  |  | 1 | 1 |  |  | 1 | 0 NA | No | Yes | 60 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  | Stocks/Bonds,Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A |  |  |  | NA | 0 | No | NA | 0 | 0 | N/A |  | 0 |  | No | 0 |  |  | Borrower - , Asset Depletion, 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) - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S), 2 YRS W2 1099 Verified, 1 YR Executed 4506T Verified, 1040 Schedule E Verified - ["2025","2024"] - 2025, 2024 | Borrower - 1 YR Personal Tax Returns Verified, 1 YR Business Tax Returns Verified(1120S), 1 YR Executed 4506T Verified, 1040 Schedule E Verified - ["2025","2024"] - 2025, 2024 | xxxxx | xxxxx | xxxxx | xxxxx | xxxxx | xx/xx/xxxx | xx/xx/xxxx |  |  |  | 744 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | Unknown | No |  |  | No | xxxxx | xxxxx | xxxxx | Real ID Driver's License |  | xxxxx | xxxxx | xx/xx/xxxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 2685975.44 | 112.6 | 2685975.44 | 112.6 | No | 45.24 | No | No | No | No | Borrower As Individual | N/A | N/A | N/A | xxxxx |  |  |  | false | 1 | xx/xx/xxxx | Fixed | Conventional | No Cash Out - Borrower Initiated | xxxxx | xxxxx | xxxxx | xxxxx |  |  |  |  |  |  |  |  |  |  |  |  | No Prepayment Penalty | xxxxx | xxxxx |  |  |  |  |  |  | xxxxx | xxxxx |  |  |  |  |  |  | N/A - Not investment property | 23 |  |  |  | xxxxx |  |  |  | xxxxx | xxxxx | Urban | xxxxx | xxxxx | xxxxx |

---

## Exhibit 99.10

[MFA 2026-NQM2 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.10 - Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Seller Name** | **Loan Program** | **Documentation Type** | **Executed NOO Docs in File** | **Lease In Place Flag** | **Actual In Place Rent** | **Third Party Market Rent Estimate** | **Third Party Rent Source** | **Actual Short Term Rent Amount** | **Actual Short Term Rent Source** | **Short Term Rent Number of Months** | **Short Term Rental Occupancy Factor** | **Rental Income Used for Property DSCR Calculation** | **Rental Source for Property DSCR Calculation** | **DSCR Calculation Based On Short Rental Income Flag** | **Property DTI** | **Originator DSCR** | **TPR DSCR** | **PITIA** | **Gross Rental Income Unit 1** | **Lease End Date Unit 1** | **Lease Term Unit 1** | **Gross Rental Income Unit 2** | **Lease End Date Unit 2** | **Lease Term Unit 2** | **Gross Rental Income Unit 3** | **Lease End Date Unit 3** | **Lease Term Unit 3** | **Gross Rental Income Unit 4** | **Lease End Date Unit 4** | **Lease Term Unit 4** | **Gross Rental Income Unit 5** | **Lease End Date Unit 5** | **Lease Term Unit 5** | **Gross Rental Income Unit 6** | **Lease End Date Unit 6** | **Lease Term Unit 6** | **Gross Rental Income Unit 7** | **Lease End Date Unit 7** | **Lease Term Unit 7** | **Gross Rental Income Unit 8+** | **Rent Loss Insurance** | **Rent Loss Insurance Amount** | **Fee Amount** | **Acquisition Cost** | **Renovation Cost** | **Effective Gross Income** | **Turnover Costs** | **Repairs and Maintenance** | **Marketing and Leasing Costs** | **Utilities** | **Other Costs** | **Cap Ex Reserve** | **Section 8** | **Blanket Mortgage/Cross Collateral Flag** | **Number of Years Property Owned** | **Number of Mortgaged Properties With Lender** | **Number of Properties Securing Loan** | **Foreign National Alternative Credit Documentation** | **Months Reserves** | **Loan Closed in the name of Business Entity** | **Vested Business Entity Name** | **Vested Business Entity Type** | **Qualifying Primary Borrower Type** | **Qualifying Primary Borrower First Name** | **Qualifying Primary Borrower Last Name** | **Qualifying CoBorrower Type** | **Qualifying CoBorrower First Name** | **Qualifying CoBorrower Last Name** | **Qualifying CoBorrower 2 Type** | **Qualifying CoBorrower 2 First Name** | **Qualifying CoBorrower 2 Last Name** | **Qualifying CoBorrower 3 Type** | **Qualifying CoBorrower 3 First Name** | **Qualifying CoBorrower 3 Last Name** | **Non-Qualifying Guarantor 1 First Name** | **Non-Qualifying Guarantor 1 Last Name** | **Non-Qualifying Guarantor 1 Citizenship** | **Non-Qualifying Guarantor 1 Country Name** | **Non-Qualifying Guarantor 2 First Name** | **Non-Qualifying Guarantor 2 Last Name** | **Non-Qualifying Guarantor 2 Citizenship** | **Non-Qualifying Guarantor 2 Country Name** | **Personal Guaranty** | **Total Number of Guarantors** | **Personal Guaranty Recourse Level** | **Business Entity EIN** |
| XXX | 87028 |  | xxxxx | xxxxx | Debt Service Coverage Ratio | Present | No | 0 | 3800 | Appraisal - 1007 |  |  |  |  | 3800 | Appraisal - 1007 | No | 92.05 | 1 | 1.086 | xxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  | 3800 |  |  |  |  |  |  |  | No |  | 1 | 1 |  | 113.1 | No |  |  | Vested Individual | xxxxx | xxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 |  |  |
| XXX | 87989 |  | xxxxx | xxxxx | 12 Month Bank Statement | Present | No |  |  |  |  |  |  |  |  |  | No |  |  | 0 | xxxxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 45000 |  | xxxxx |  |  |  |  |  |  |  |  |  | No | 0.7 | 1 | 1 | N/A | 8.39 | Yes | xxxxx | Limited Liability Corporation (LLC) | Individual Guarantor | xxxxx | xxxxx |  |  |  |  |  |  |  |  |  | xxxxx |  |  |  |  |  |  |  | Yes | 1 | Full Recourse | xxxxx |

---

## Exhibit 99.10

[MFA 2026-NQM2 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.10 - Schedule 6**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXX | 87760 |  | xxxxx | Qualifying FICO | xxxxx | xxxxx | xxxxx | xxxxx |
|  |  |  | xxxxx | Reviewed Total Debt Income Ratio | xxxxx | xxxxx | xxxxx | xxxxx |
| XXX | 87985 |  | xxxxx | Verified Doc Type | xxxxx | xxxxx | xxxxx | xxxxx |

---

## Exhibit 99.11

[MFA 2026-NQM2 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.11**

![](ex9912001.jpg)

**Selene Diligence LLC ("Selene") Due**

**Diligence Review Narrative ("Report")**

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

**DESCRIPTION OF SERVICES:**

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

Selene performed certain due diligence services described below on residential mortgage loans originated by numerous entities and obtained by MFA Financial, Inc. ("Client"). The review was conducted between January 3 2022 and April 29 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 18 Non-QM loans and 5 ATR/QM exempt loans for a total of 23 loans the "Final Securitization Population".

*<u>Credit Reviews (23):</u>*

During the Review, Selene performed a credit review on 23 mortgage loans in the Final Securitization Population.

*<u>Compliance Review (23)</u>*

During the Review, Selene performed a compliance review, when applicable on 23 mortgage loans in the Final Securitization Population.

*<u>Valuation Reviews (23):</u>*

During the Review, Selene performed a property valuation review on 23 mortgage loans in the Final Securitization Population.

*<u>Data Integrity Review (23):</u>*

During the Review, Selene performed a Data Integrity Review on 23 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 23 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;23 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Compliance Population | &nbsp;&nbsp;23 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Valuation Population | &nbsp;&nbsp;23 | &nbsp;&nbsp;100% |
| &nbsp;&nbsp;Data Integrity Population | &nbsp;&nbsp;23 | &nbsp;&nbsp;100% |

---

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

The Review was conducted with sample size criteria that has been communicated by the Client to Selene to be consistent with the criteria for the nationally recognized statistical ratings organizations identified in Item 3 of the ABS Due Diligence-15E.s, Fitch Ratings, Inc. (Fitch) (the "NRSRO").

&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>**

EC NonQM Investor Eligibility Guidelines, ACC Underwriting Guidelines, FundLoan Underwriting Guideline, (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.

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MFA 2026-NQM2 Executive Summary (Selene Diligence LLC)

**<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:

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

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

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

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

**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.

&nbsp;&nbsp;&nbsp;&nbsp;• **Original Appraisal Assessment** 

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

&nbsp;&nbsp;&nbsp;&nbsp;• **Value Supported Analysis** 

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

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**DATA INTEGRITY REVIEW**<br>

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

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

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

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

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

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

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

**<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 23 mortgage loans, (ii) a Compliance Review on 23 mortgage loans (iii) a Valuation Review on 23 mortgage loans, and (iv) a Data Integrity Review on 23 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.

**<u>REVIEW RESULTS SUMMARY</u>**

After review of the 23 mortgage loans; 16 mortgage loans had a rating grade of A, 7 mortgage loans 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.

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| | &nbsp;&nbsp;***Grades per loan (23 overall loans):*** | &nbsp;&nbsp;***Grades per loan (23 overall loans):*** | &nbsp;&nbsp;***Grades per loan (23 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** | &nbsp;&nbsp;**FINAL RA GRADES - OVERALL** |
| <br>&nbsp;&nbsp;**NRSRO <br> Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**%** | &nbsp;&nbsp;**NRSRO <br> Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;3 | &nbsp;&nbsp;13.04% | &nbsp;&nbsp;A | &nbsp;&nbsp;16 | &nbsp;&nbsp;69.57% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;2 | &nbsp;&nbsp;8.70% | &nbsp;&nbsp;B | &nbsp;&nbsp;7 | &nbsp;&nbsp;30.43% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;6 | &nbsp;&nbsp;26.09% | &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;12 | &nbsp;&nbsp;52.17% | &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |

---

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---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| |  | &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** |
| <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**%** | <br>&nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Fitch** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;20 | &nbsp;&nbsp;86.96% | &nbsp;&nbsp;A | &nbsp;&nbsp;19 | &nbsp;&nbsp;82.61% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;3 | &nbsp;&nbsp;13.04% | &nbsp;&nbsp;B | &nbsp;&nbsp;4 | &nbsp;&nbsp;17.39% |
| &nbsp;&nbsp;C | &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;D | &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;**Fitch** | &nbsp;&nbsp;**%** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;23 | &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% |

---

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

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

*Disclaimer:* Please be advised that Selene did not make a determination as to whether the mortgage loans complied with federal, state or local laws, constitutional provisions, regulations or ordinances that are not expressly enumerated below. There can be no assurance that the Review uncovered all relevant factors relating to the origination of the mortgage loans, their compliance with all applicable laws and regulations and the original appraisals relating to the mortgaged properties or uncovered all relevant factors that could affect the future performance of the mortgage loans. Furthermore, the findings reached by Selene are dependent upon its receiving complete and accurate data regarding the mortgage loans from mortgage loan originators and other third parties upon which Selene is relying in reaching such findings.

Please be further advised that Selene does not employ personnel who are licensed to practice law in the various jurisdictions, and the findings set forth in the reports prepared by Selene do not constitute legal advice or opinions. They are recommendations or conclusions based on information provided to Selene. Information contained in any Selene report related to the applicable statute of limitations for certain claims may not be accurate or reflect the most recent controlling case law. Further, a particular court in a particular jurisdiction may extend, not enforce or otherwise allow claims beyond the statute of limitations identified in the report based on certain factors, including the facts and circumstances of an individual mortgage loan. Risk levels associated with a loan may have changed an exception level, given rating agency published guidance, written guidance, or other guidance from the rating agency team on the transaction. 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.

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MFA 2026-NQM2 Executive Summary (Selene Diligence LLC)

**<u>THIRD PARTY REVIEW REPORTING DELIVERED</u>**

Selene furnished the following reports on this transaction:

1. Selene
Due Diligence Narrative Report

2. ASF
Report

3. Grading
Summary

4. Exception
Detail

5. Tape
Discrepancies

6. Valuations
Report

7. Supplemental
Data

8. Third
Party (TPR) Attestation Form

9. Attestation
Form 15E

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**APPENDIX A – CREDIT REVIEW SCOPE**

Selene reviewed the origination documentation contained in the mortgage loan file to determine conformity to the stated underwriting or credit extension guidelines, standards, criteria or other requirements that are provided to Selene and/or as directed by Client. When applicable, a review of the mortgage loan file to the Automated Underwriting System output within the file was also performed.

**Credit Application**

For the Credit Application, Selene verified whether:

&nbsp;&nbsp;&nbsp;&nbsp;1. The
 application is signed by all listed borrowers;

&nbsp;&nbsp;&nbsp;&nbsp;2. The
 application is substantially filled out; and

&nbsp;&nbsp;&nbsp;&nbsp;3. All
 known borrower-owned properties are disclosed on the Real Estate Owned section.

**Credit Report**

Selene verified:

&nbsp;&nbsp;&nbsp;&nbsp;1. A
 credit report and/or other credit history documentation is present for each borrower;

&nbsp;&nbsp;&nbsp;&nbsp;2. Capture
 the monthly consumer debt payments for use in the debt to income and/or residual income
 calculation, as applicable;

&nbsp;&nbsp;&nbsp;&nbsp;3. Note
 the Real Estate Owned and fraud alerts; and

&nbsp;&nbsp;&nbsp;&nbsp;4. Gather
 data required for ASF Report submission which may include:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) Most
 recent FICO Score (scores from Equifax, Experian, and Transunion if available)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) Most
 recent FICO date

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) Longest
 Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) Maximum
 Trade Line

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) Number
 of trade lines

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;f) Credit
 Usage Ratio

**Employment and Income**

Selene determined whether all applicable supporting documentation as required by the guidelines is in the file and note indications of potentially fraudulent documents. The documentation was also be used to verify whether the income used to qualify the loan was calculated in accordance with applicable guidelines. Documentation verifying employment and income may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verbal
 or Written VOE's

&nbsp;&nbsp;&nbsp;&nbsp;2. Pay
 stubs

&nbsp;&nbsp;&nbsp;&nbsp;3. W-2
 forms

&nbsp;&nbsp;&nbsp;&nbsp;4. Tax
 returns

&nbsp;&nbsp;&nbsp;&nbsp;5. Financial
 statements

&nbsp;&nbsp;&nbsp;&nbsp;6. Award
 letters

&nbsp;&nbsp;&nbsp;&nbsp;7. Bank
 statements

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**Asset Review**

Selene assessed whether the asset documentation required by the guidelines is present in the file. In addition, a review of the reserve calculation was performed. Documentation verifying assets for down payment, closing costs, prepaid items and reserves may include:

&nbsp;&nbsp;&nbsp;&nbsp;1. VOD's

&nbsp;&nbsp;&nbsp;&nbsp;2. Depository
 account statements

&nbsp;&nbsp;&nbsp;&nbsp;3. Stock
 or security account statements

&nbsp;&nbsp;&nbsp;&nbsp;4. Gift
 funds

&nbsp;&nbsp;&nbsp;&nbsp;5. Settlement
 statement or other evidence of conveyance and transfer of funds if a sale of assets was
 involved

**Hazard/Flood insurance** 

A review of the insurance present on the loan was also be performed:

&nbsp;&nbsp;&nbsp;&nbsp;1. Verify
 that the hazard insurance meets the minimum required amount of coverage in the guidelines;

&nbsp;&nbsp;&nbsp;&nbsp;2. For
 condominium properties, confirm that the blanket policy meets the minimum amount of coverage;

&nbsp;&nbsp;&nbsp;&nbsp;3. Confirm
 that the flood cert is for the correct borrower, property, lender and loan number and
 is a "Life of Loan" certification;

&nbsp;&nbsp;&nbsp;&nbsp;4. For
 properties is in a flood zone per the flood cert, confirm that flood insurance in the
 file meets the minimum required amount of coverage and meets guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Confirm
 that the mortgagee clause lists the lender's name and "its successors and
 assigns"; and

&nbsp;&nbsp;&nbsp;&nbsp;6. Confirm
 that the premium amount on both the hazard and flood insurance match what was used in
 the DTI calculations.

**Title**

Verified whether the appropriate vestee is on the title document: if a purchase, the seller; if a refinance, the borrower and review the Title Commitment for the disclosure issues.

**Fraud**

To the extent potentially fraudulent activity is identified as part of the document review, such information was reported to Client. In addition, when required, Selene looked for an independent, third party fraud report in each file and will review the results of the fraud report in conjunction with source documents found in the file to assess the likelihood of any misrepresentations associated with the origination of the loan. If the loan does not contain a fraud report and the counterparty cannot produce one, Selene conditioned the loan for the missing product.

On this Fraud report Selene:

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;1. Reviewed
for any name variations for the borrowers and confirm that the variations have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Reviewed
for any social security number variations for the borrowers and confirm that the variations have been addressed in the loan file;

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&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Reviewed
for any potential occupancy issues based on the borrowers' address history and confirm that any issues have been addressed
in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Reviewed
for any employment issues and confirm that any issues have been addressed in the loan file;

&nbsp;&nbsp;&nbsp;&nbsp;&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;&nbsp;&nbsp;&nbsp;&nbsp;6. Addressed
all red flag issues.

**Additional Review**

Selene's review procedures also included:

&nbsp;&nbsp;&nbsp;&nbsp;1. A
 review of the completeness and accuracy of the information obtained in the mortgage origination
 process;

&nbsp;&nbsp;&nbsp;&nbsp;2. A
 review of closing documents to ensure that the mortgage file information is complete,
 accurate, and consistent with other documents in the mortgage file;

&nbsp;&nbsp;&nbsp;&nbsp;3. Selene
 will review the mortgage file documents to determine that the mortgage was properly underwritten;

&nbsp;&nbsp;&nbsp;&nbsp;4. Verification
 that the DTI, LTV, asset reserves, property type, transaction type (maximum loan amount,
 loan purpose, occupancy, etc.), and FICO scores meet or exceed the guideline requirements;

&nbsp;&nbsp;&nbsp;&nbsp;5. Verification
 that all borrowers are eligible based on the guidelines and information in the loan file;
 and

&nbsp;&nbsp;&nbsp;&nbsp;6. Verify
 there is appropriate documentation present to confirm that applicable documents have
 been recorded or have been sent for recording.

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**APPENDIX B – COMPLIANCE REVIEW SCOPE**

Selene reviewed the Non-QM loans to determine, as applicable, to the extent possible and/or applicable and subject to the caveats below, whether the loan complies with:

**1.** **Federal Truth in Lending Act ("TILA"), as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Rescission (§1026.23):</u> 

i) failure to provide the right of rescission notice;

ii) failure to provide the right of rescission notice in a timely manner and to the correct consumer(s);

iii) errors in the right of rescission notice;

iv) failure to provide the correct form of right of rescission notice;

v) failure to provide the three (3) business day rescission period;

vi) any material disclosure violation on a rescindable mortgage loan that gives rise to the right of rescission under TILA, which means the required disclosures of the annual percentage rate, the finance charge, the amount financed, the total of payments, the payment schedule, the HOEPA disclosures, or those related to prepayment penalties on covered transactions; and

vii) with respect to applicable exception remediation measures, confirm that a letter of explanation, a refund if applicable, new corrected material disclosures and a new notice of right to cancel was provided.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;b) <u>TIL Disclosure (§§1026.17, 18 and 19) *as applicable for loans with application dates prior to October 3, 2015:*</u> 

i) review and comparison of the initial and final TIL disclosures, and any re-disclosed TIL(s);

ii) proper execution by all required parties;

iii) principal and interest calculations, and proper completion of the interest rate and payment summary; and

iv) timing of initial and re-disclosed TIL(s).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;c) <u>Tolerances (§§1026.18, 22 and 23):</u> 

i) inaccurate Annual Percentage Rate (APR) outside of applicable tolerance by comparing disclosed APR to re-calculated APR; and

ii) inaccurate Finance Charge outside of applicable tolerance by comparing disclosed Finance Charge to re-calculated Finance Charge.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;d) <u>High-cost Mortgage (§§1026.31, 32 and 33):</u> 

i) points and fees threshold test;

ii) APR threshold test;

iii) prepayment penalty test; and

iv) compliance with the disclosure requirements, limitation on terms and prohibited acts or practices in connection with a high-cost mortgage.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;e) <u>Higher-priced Mortgage Loan (§1026.35):</u> 

i) APR threshold test; and <br> ii) compliance with the escrow account and appraisal requirements.

&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; <br> ii) review relevant document to determine if there was dual compensation; and

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iii) review the presence of the mortgage loan option disclosure and to determine if the Steering Safe Harbor provisions were satisfied.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;g) <u>Homeownership counseling (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine
 if the creditor obtained proof of homeownership counseling in connection with a mortgage loan to a first-time homebuyer that
 contains a negative amortization feature.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;h) <u>Prohibition on Financing Credit Insurance (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) determine
 if the creditor financed, directly or indirectly, any premiums or fees for credit insurance.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;i) <u>Nationwide Mortgage Licensing System (NMLS) & Registry ID on Loan Documents (§1026.36):</u> 

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;j) review
 for presence of mortgage loan originator organization and individual mortgage loan originator
 name and NMLSR ID, as applicable, on the credit application, note or mortgage loan contract,
 security instrument, Loan Estimate and Closing Disclosure; and (ii) verify the data against
 the NMLSR database, as available.

**2.** **Sections 1098 and 1100A of Dodd-Frank amending TILA and RESPA, as implemented by Regulation Z, 12 C.F.R. Part 1026, as set forth below (applicable only for mortgage loans with application dates on or after October 3, 2015):** 

&nbsp;&nbsp;&nbsp;&nbsp;a) <u>Loan Estimate (LE) (§§1026.19 and 37):</u> 

i) confirm the presence of LE for applications on or after October 3, 2015;

ii) confirm the initial LE date indicates it was delivered or placed in the mail within three (3) business days of application;

iii) confirm that certain sections of each LE determined to carry assignee liability were completed and that information was reflected in the appropriate locations, which was based solely on the information disclosed on the LE;

iv) confirm the initial LE was delivered or placed in the mail not later than seven (7) business days prior to consummation of the transaction, or such period was waived due to a bona fide financial emergency;

v) confirm that each revised LE is accompanied by valid written documentation explaining the reason for re-disclosure to allow for fee increases based on a valid change of circumstance and was timely provided within 3 business days of issuance;

vi) confirm borrower received LE not later than four (4) business days prior to consummation; and

vii) confirm LE was not provided to the borrower on or after the date of the CD.

&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 4.0, as may be updated from time to time.

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**3.** **Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer Protection Act amending TILA, as implemented by Regulation Z, 12 C.F.R. 1026.43, as set forth below:** 

&nbsp;&nbsp;&nbsp;&nbsp;a) the
 general Ability to Repay ("ATR") underwriting standards (12 C.F.R. 1026.43(c));

&nbsp;&nbsp;&nbsp;&nbsp;b) refinancing
 of non-standard mortgages (12 C.F.R. 1026.43(d)); and

&nbsp;&nbsp;&nbsp;&nbsp;c) Balloon-payment
 qualified mortgages made by certain creditors (12 C.F.R. 1026.43(f)).

**<u>General Ability to Repay</u>**

Selene 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.** 

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**SCHEDULE I**

&nbsp;&nbsp;&nbsp;&nbsp;1. AL
 Consumer Credit License- Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;2. AK
 Small Loan Act-Mortgage Broker/Lender License-Mortgage Lending Regulation License Registered Depository Institution
 Registration

&nbsp;&nbsp;&nbsp;&nbsp;3. AR
 Home Loan Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;4. AZ
 Mortgage Banker & Broker License-Consumer Lender License

&nbsp;&nbsp;&nbsp;&nbsp;5. CA
 AB 489/344 (Division 1.6 of the Financial Code)

&nbsp;&nbsp;&nbsp;&nbsp;6. CO
 Consumer Equity Protection Article

&nbsp;&nbsp;&nbsp;&nbsp;7. CO
 Consumer Credit Code

&nbsp;&nbsp;&nbsp;&nbsp;8. DE
 Licensed Lender License Broker License Lender License

&nbsp;&nbsp;&nbsp;&nbsp;9. Washington,
 DC Home Loan Protection Act of 2002

&nbsp;&nbsp;&nbsp;&nbsp;10. Washington,
 DC Mortgage Disclosure Act of 2007

&nbsp;&nbsp;&nbsp;&nbsp;11. FL
 Fair Lending Act

&nbsp;&nbsp;&nbsp;&nbsp;12. GA
 Fair Lending Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;13. HW
 Financial Services Loan Company License -Mortgage Broker and Solicitor License- Foreign
 Lender License - Mortgage Loan Originator Company License

&nbsp;&nbsp;&nbsp;&nbsp;14. ID
 Residential Mortgage Practices Act - (Home Loan Practices article)

&nbsp;&nbsp;&nbsp;&nbsp;15. IN
 Home Loan Practices Article

&nbsp;&nbsp;&nbsp;&nbsp;16. IA
 Mortgage Banker License Regulated Loan License - Industrial Loan License - Mortgage Banker
 Registrant- Mortgage Broker License- Master Loan Company Registration Nonprofit Mortgage Banker Registrant

&nbsp;&nbsp;&nbsp;&nbsp;17. KS
 Consumer Credit Code - Kansas Supervised Lenders License- - Consumer credit code 16-207

&nbsp;&nbsp;&nbsp;&nbsp;18. LA
 Residential Mortgage Lending License - Consumer Loan License- Licensed Lender License

&nbsp;&nbsp;&nbsp;&nbsp;19. MA
 Mortgage Lender and Broker Regulations

&nbsp;&nbsp;&nbsp;&nbsp;20. MD
 Commercial Law amended by Maryland Senate Bill 270

&nbsp;&nbsp;&nbsp;&nbsp;21. Maryland
 Regulations under the Maryland Mortgage Lender Law HB 649 - 363amendments, and COMAR

&nbsp;&nbsp;&nbsp;&nbsp;22. MI
 Consumer Mortgage Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;23. MN
 Mortgage Originator and Servicer Licensing Act

&nbsp;&nbsp;&nbsp;&nbsp;24. MS
 Residential Mortgage Company License - Mortgage Lender License - Mortgage Broker Licen

&nbsp;&nbsp;&nbsp;&nbsp;25. MO
 Mortgage Company License

&nbsp;&nbsp;&nbsp;&nbsp;26. MT
 - Consumer Loan License - Residential Mortgage Lender License-Mortgage Broker License Mortgage Lender License

&nbsp;&nbsp;&nbsp;&nbsp;27. NC
 Rate Spread Home Loan Provisions (original 2008 provisions and 2009, 2013 amendments)

&nbsp;&nbsp;&nbsp;&nbsp;28. ND
 Money Broker License

&nbsp;&nbsp;&nbsp;&nbsp;29. NE
 Mortgage Bankers Registration and Licensing Act

&nbsp;&nbsp;&nbsp;&nbsp;30. NH
 First Mortgage Banker License – Second Mortgage Home Loan – Mortgage Banker
 License – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;31. NJ
 Home Ownership Security Act 2002 (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;32. NM
 Home Loan Protection Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;33. OH
 Consumer Sales Practices Act

&nbsp;&nbsp;&nbsp;&nbsp;34. Cleveland
 Heights, OH Ordinance Prohibiting Predatory Loans

&nbsp;&nbsp;&nbsp;&nbsp;35. Summit
 County, OH Consumer Affairs Board Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;36. Summit
 County, OH Consumer Protection Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;37. OK
 Home Ownership and Equity Protection Act (original provisions & 2009 higher-priced
 amendments)

Page **13** of **15**

MFA 2026-NQM2 Executive Summary (Selene Diligence LLC)

&nbsp;&nbsp;&nbsp;&nbsp;38. OR
 Consumer Finance License – Consumer Finance Registration – Mortgage Lender
 License

&nbsp;&nbsp;&nbsp;&nbsp;39. PA
 Consumer Equity Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;40. RI
 Home Loan Protection Act and Regulation 3

&nbsp;&nbsp;&nbsp;&nbsp;41. SD
 Mortgage Lender License – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;42. TN
 Home Loan Protection Act

&nbsp;&nbsp;&nbsp;&nbsp;43. UT
 Residential Mortgage Practices and Licensing Act

&nbsp;&nbsp;&nbsp;&nbsp;44. VA
 Mortgage Lender and Broker Act

&nbsp;&nbsp;&nbsp;&nbsp;45. WA
 House Bill 2770, Mortgage Lending and Homeownership, Chapter 108, Laws of 2008 –
 Consumer Loan Company License – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;46. WV
 Residential Mortgage Lender, Broker and Servicer Act

&nbsp;&nbsp;&nbsp;&nbsp;47. WY
 Consumer Credit Code – Registered Consumer Loan Lender – Mortgage Lender
 Broker License

<u>The following state **specific** regulations which address high cost, higher priced and anti-predatory lending.</u>

&nbsp;&nbsp;&nbsp;&nbsp;1. CA
 AB 260 (Division 1.9 of the Financial Code) higher-priced mortgage loan provisions -
 Anti-Predatory Lending Statute - Amendment

&nbsp;&nbsp;&nbsp;&nbsp;2. CT
 Abusive Home Lending Practices Act

&nbsp;&nbsp;&nbsp;&nbsp;3. CT
 Nonprime Home Loans Statute

&nbsp;&nbsp;&nbsp;&nbsp;4. IL
 Office of Banks and Real Estate High Risk Home Loan Regulations

&nbsp;&nbsp;&nbsp;&nbsp;5. IL
 High Risk Home Loan ActL Predatory Lending Database Program

&nbsp;&nbsp;&nbsp;&nbsp;6. Chicago,
 IL Predatory Lending Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;7. Cook
 County, IL Predatory Lending Ordinance

&nbsp;&nbsp;&nbsp;&nbsp;8. KY
 Predatory Lending and High Cost Home Loan Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;9. ME
 Title 9-A Residential Mortgage Loan, High-Rate, High-Fee Provisions, High Cost, Subprime,
 Rate Spread Home Loan, and Higher-Priced Mortgage Loan Provisions (original 2003 provisions
 and 2008, 2009, 2011 & 2013 amendments)

&nbsp;&nbsp;&nbsp;&nbsp;10. MA
 High Cost Home Loan Regulations (pre- and post-amendments) - MA Predatory Home Loan Practices
 Act - MA 209 CMR 32.35 Higher-Priced Mortgage Loan Provisions - MA "Borrower's
 Interest" Standard

&nbsp;&nbsp;&nbsp;&nbsp;11. Maryland
 Regulations for Higher Priced Mortgage Loans, as promulgated under the Maryland Mortgage
 Lender Law

&nbsp;&nbsp;&nbsp;&nbsp;12. NC
 Restrictions and Limitations of Home Loans and High-Cost Home Loans

&nbsp;&nbsp;&nbsp;&nbsp;13. NV
 Unfair Lending Practices Act – Anti Predatory Lending Law

&nbsp;&nbsp;&nbsp;&nbsp;14. NY
 GRBB Part 41 (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;15. NY
 Banking Law 6-L

&nbsp;&nbsp;&nbsp;&nbsp;16. NY
 Banking Law 6-M

&nbsp;&nbsp;&nbsp;&nbsp;17. OH
 Anti - Predatory Lending Act (pre- and post-amendments)

&nbsp;&nbsp;&nbsp;&nbsp;18. Cleveland
 Heights, OH Ordinance Prohibiting Predatory Loans

&nbsp;&nbsp;&nbsp;&nbsp;19. RI
 Providence Ordinance Regarding Predatory Lending (post-amendment)

&nbsp;&nbsp;&nbsp;&nbsp;20. SC
 High-Cost and Consumer Home Loan Act (original provisions & 2010 ARM amendments)

&nbsp;&nbsp;&nbsp;&nbsp;21. TX
 Home Loan and High Cost Home Loan Act

&nbsp;&nbsp;&nbsp;&nbsp;22. UT
 High Cost Home Loan Act

&nbsp;&nbsp;&nbsp;&nbsp;23. VT
 High Rate Loans

&nbsp;&nbsp;&nbsp;&nbsp;24. VI
 VA SB 797 Hight Risk Mortgage – Mortgage Broker License

&nbsp;&nbsp;&nbsp;&nbsp;25. WI
 Responsible High Cost Mortgage Lending Act

Page **14** of **15**

MFA 2026-NQM2 Executive Summary (Selene Diligence LLC)

**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 **15** of **15**

MFA 2026-NQM2 Executive Summary (Selene Diligence LLC)

## Exhibit 99.11

[MFA 2026-NQM2 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.11 - Schedule 1**

---

| | | | |
|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** |
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 61331 |  |  | XXXX A D |
| 87998 |  |  | XXXX C A |
| 87990 |  |  | XXXX A |
| 87996 |  |  | XXXX A C B |
| 87991 |  |  | XXXX D A B |
| 87992 |  |  | XXXX B A |
| 87993 |  |  | XXXX D A |
| 87994 |  |  | XXXX D A |
| 87995 |  |  | XXXX A |
| 88697 |  |  | XXXX A D |
| 87997 |  |  | XXXX D A B |
| 88695 |  |  | XXXX A C |
| 88693 |  |  | XXXX D A |
| 88696 |  |  | XXXX C A B |
| 88694 |  |  | XXXX A C |
| 88579 |  |  | XXXX D A |
| 88583 |  |  | XXXX A B |
| 88589 |  |  | XXXX D A |
| 88590 |  |  | XXXX D A |
| 88594 |  |  | XXXX A C |
| 88597 |  |  | XXXX A D B |
| 88602 |  |  | XXXX D C A |
| 88572 |  |  | XXXX A |

---

## Exhibit 99.11

[MFA 2026-NQM2 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.11 - Schedule 2**

---

| | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **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 | 61331 |  |  | Closed | 2022-02-22 10:33 | 2022-02-22 11:04 | Resolved | 1 - Information A | Compliance | Closing | Final HUD-1 Closing Date does not match Transaction Date | Resolved-Final HUD-X Settlement Statement received and fees entered. Finding is resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Open-Final HUD-X Closing Date of XX-XX-XXXX is not the same date as the Notary Acknowledgement Date of XX-XX-XXXX. - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Final HUD-X Settlement Statement received and fees entered. Finding is resolved. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | XX | Investment | Purchase | NA | 312964 | N/A | N/A |
| XXXX | 61331 |  |  | Closed | 2022-02-18 10:23 | 2022-02-22 10:33 | Resolved | 1 - Information D A | Compliance | Missing Doc | Final HUD-1 or Final Settlement Statement Document is Missing | Resolved-Final HUD-X Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Final HUD-X Document is Missing Final HUD-X is missing. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Final HUD-X Document is Present or Not Applicable - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXX.XXX |  |  | XX | Investment | Purchase | NA | 238688 | N/A | N/A |
| XXXX | 87998 |  |  | Closed | 2026-01-20 04:41 | 2026-01-26 06:17 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Insurance binder provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Hazard Insurance Effective Date of XX-XX-XXXX is prior to or equal to the Note Date of XX-XX-XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Hazard Insurance Effective Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX The Hazard Insurance effective date of XX/XX/XXXX is after the Note/Disbursement Date of XX/XX/XXXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Insurance binder provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Hazard Insurance Effective Date of XX-XX-XXXX is prior to or equal to the Note Date of XX-XX-XXXX Or Hazard Insurance Effective Date Is Not Provided - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX XXXXXXX XXX.XXX |  |  | XX | Primary Residence | Purchase | NA | 7174956 | N/A | N/A |
| XXXX | 87996 |  |  | Closed | 2026-01-26 23:13 | 2026-02-13 13:41 | Cured | 2 - Non-Material C B | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Cured-Refund, LOX, PCCD and proof of delivery provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. We didn't make a copy of the check, but provided a copy of the stub we keep for accounting purposes. All other documents are attached. - Seller-XX/XX/XXXX <br>Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Broker Fees, Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). Appraisal Fee increase from $XXX on LE X/X/XX to $XXX on LE X/X/XX without a valid COC. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. We didn't make a copy of the check, but provided a copy of the stub we keep for accounting purposes. All other documents are attached. - Seller-XX/XX/XXXX<br>| Cured-Refund, LOX, PCCD and proof of delivery provided. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX<br>| XXX - XXXXXXXXX.XXX_XXXXX_<br> XXXX - XXXXXXXXX.XXX_XXXXX_<br> XXXXX XXXX - XXXXXXXXX.XXX_XXXXX_<br> XXXXX - XXXXXXXXX.XXX |  |  | XX | Primary Residence | Purchase | NA | 7306367 | N/A | N/A |
| XXXX | 87996 |  |  | Closed | 2026-02-03 08:32 | 2026-02-03 08:33 | Resolved | 1 - Information A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-A Lender Credit for Excess Charges of ($XX.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($X.XX) were applied to the total fee variance of ($XX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. $XX refund. Additional $X.XX is increase from LE to CD. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-A Lender Credit for Excess Charges of ($XX.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($X.XX) were applied to the total fee variance of ($XX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. $XX refund. Additional $X.XX is increase from LE to CD. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | XX | Primary Residence | Purchase | NA | 7417897 | N/A | N/A |
| XXXX | 87991 |  |  | Closed | 2026-01-28 03:55 | 2026-02-05 03:24 | Waived | 2 - Non-Material C B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Client elects to waive with the following compensating factors:<br> Exception found in findings - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Audited Reserves of X.XX month(s) are less than XXXXXXXXX Required Reserves of X month(s) Borrower starts new job on XX/XX/XXXX. Borrower has been in school since XXXX with no other income. Borrower reserves changed due to offer letter to X see guidelines-If the borrower's start date is NO MORE than XX days after the note date, one of the following <br> must be documented (in addition to the amount of reserves required for the transaction):<br> Financial reserves sufficient to cover PITIA for the subject property for X months; or<br> Financial resources sufficient to cover the monthly liabilities included in the debt-to-income <br> ratio, including the PITIA for the subject property, for the number of months between the <br> note date and the employment start date, plus one. For calculation purposes, consider any <br> portion of a month as a full month. Financial resources may include financial reserves - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Waived-Client elects to waive with the following compensating factors:<br> Exception found in findings - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX XXXXXXXXX.XXX |  | Qual Score >XX points above min XXX, XXX<br> Residual Income Significantly above min X,XXX.XX, XXXX<br> Borrower Contribution >X% above min XX%, X% | XX | Primary Residence | Purchase | NA | 7325319 | Originator Post-Close | Yes |
| XXXX | 87991 |  |  | Closed | 2026-01-25 00:55 | 2026-01-27 05:56 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX, and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX 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 (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX, and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | XX | Primary Residence | Purchase | NA | 7283691 | N/A | N/A |
| XXXX | 87992 |  |  | Closed | 2026-02-10 20:59 | 2026-02-11 11:53 | Waived | 2 - Non-Material B | Credit | Income/Employment | Employment Self-Employed Less Than 2 Years at Origination | Waived-Client elects to waive with the following compensating factors:<br> Exception on pg. XXX for Current Self Employment Business has been in existence for X year X months; Per GL's Self Employed Business in existence for X years - Due Diligence Vendor-XX/XX/XXXX |  | Waived-Client elects to waive with the following compensating factors:<br> Exception on pg. XXX for Current Self Employment Business has been in existence for X year X months; Per GL's Self Employed Business in existence for X years - Due Diligence Vendor-XX/XX/XXXX<br>|  |  | XX.XX% XXX is below the maximum XX% XXX by XX.XX%.<br> XXX Representative credit score exceeds the minimum required of XXX by XX points<br> XXXXXXXX has $X,XXX.XX residual income after all expenses. Minimum required per guideline is $X,XXX. | XX | Primary Residence | Purchase | NA | 7551868 | Originator Pre-Close | Yes |
| XXXX | 87993 |  |  | Closed | 2026-02-03 04:50 | 2026-02-06 04:25 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Requested updated asset worksheet with updated assets provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Audited Reserves of X.XX month(s) are greater than or equal to XXXXXXXXX Required Reserves of X month(s) - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Audited Reserves of X.XX month(s) are less than XXXXXXXXX Required Reserves of X month(s) Audited Reserves are X.XX months and are less than GL required reserves X months. Provide exception - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Requested updated asset worksheet with updated assets provided, updated & condition resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Audited Reserves of X.XX month(s) are greater than or equal to XXXXXXXXX Required Reserves of X month(s) - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXX XXXX.XXX_XXXXX_<br> XXXXX XXXXXXXXX XXXXXX.XXX_XXXXX_<br> XXXXXX XXXX.XXX |  |  | XX | Primary Residence | Purchase | NA | 7412183 | N/A | N/A |
| XXXX | 87993 |  |  | Closed | 2026-02-04 06:19 | 2026-02-05 02:53 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Revised CD dated X/XX/XXXX received. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure Provide Revised CD's dated XX/XX/XXXX and related COC's. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Revised CD dated X/XX/XXXX received. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXX X XX XX.XXX_XXXXX_<br> XXXXXX XX.XXX |  |  | XX | Primary Residence | Purchase | NA | 7435278 | N/A | N/A |
| XXXX | 87993 |  |  | Closed | 2026-02-03 04:37 | 2026-02-05 02:48 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Updated property taxes - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Tax cert prior was just based on land so .XXXX x appraised value was used. - Seller-XX/XX/XXXX <br>Open-Missing Evidence of Property Tax Provide Tax Cert reflecting monthly property taxes iao $X,XXX or annual property taxes iao $XX,XXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Tax cert prior was just based on land so .XXXX x appraised value was used. - Seller-XX/XX/XXXX<br>| Resolved-Updated property taxes - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Evidence of Property Tax is present - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | XX | Primary Residence | Purchase | NA | 7412027 | N/A | N/A |
| XXXX | 87994 |  |  | Closed | 2026-02-09 09:53 | 2026-02-10 04:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Lender Worksheet / Income Calculator documentation received. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide complete Lender Worksheet/ Income Calculator (only page X available) - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Lender Worksheet / Income Calculator documentation received. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXX XXXX.XXX |  |  | XX | Investment | Refinance | No Cash Out - Borrower Initiated | 7518475 | N/A | N/A |
| XXXX | 87995 |  |  | Closed | 2026-02-09 22:54 | 2026-02-11 07:13 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# XXX and the Final Closing disclosure on Pg#XXX reflects escrows. Rate lock date was entered correctly see Pg# XXX An interior and exterior appraisal was completed for this property – see Page#XX the appraisal disclosure was provided to the borrower(s)- see Pg# XXX, and copy of the appraisal was given to the borrower see Pg# XXX for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg# XXX and the Final Closing disclosure on Pg#XXX reflects escrows. Rate lock date was entered correctly see Pg# XXX An interior and exterior appraisal was completed for this property – see Page#XX the appraisal disclosure was provided to the borrower(s)- see Pg# XXX, and copy of the appraisal was given to the borrower see Pg# XXX for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 7529557 | N/A | N/A |
| XXXX | 88697 |  |  | Closed | 2026-02-12 23:47 | 2026-02-23 03:08 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Updated Lender Credit - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. The $XX Lender Credit was due to the appraisal increasing from $XXX to $XXX from the baseline. The remaining $X,XXX.XX variance was due to the discount points increasing from X.X to X.XX due to re-lock and a .XXX re-lock fee was added to the borrower's points. CD, COC, and disclosure tracking are included for review. - Seller-XX/XX/XXXX <br>Open-A Lender Credit for Excess Charges of ($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 ($X,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. Provide COC for Lender Credit iao $XX.XX - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. The $XX Lender Credit was due to the appraisal increasing from $XXX to $XXX from the baseline. The remaining $X,XXX.XX variance was due to the discount points increasing from X.X to X.XX due to re-lock and a .XXX re-lock fee was added to the borrower's points. CD, COC, and disclosure tracking are included for review. - Seller-XX/XX/XXXX<br>| Resolved-Updated Lender Credit - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXX XXXXXXXX.XXX_XXXXX_<br> X-X XX-XXX.XXX |  |  | XX | Primary Residence | Purchase | NA | 7600350 | N/A | N/A |
| XXXX | 88697 |  |  | Closed | 2026-02-19 09:25 | 2026-02-23 03:07 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Revised LE dated XX/XX/XXXX and COC received. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. X/X were closing docs. - Seller-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure Provide Revised CD's dated X/X/XXXX, X/X/XXXX and related COC's. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. X/X were closing docs. - Seller-XX/XX/XXXX<br>| Resolved-Revised LE dated XX/XX/XXXX and COC received. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXX X X XX.XXX |  |  | XX | Primary Residence | Purchase | NA | 7699819 | N/A | N/A |
| XXXX | 88697 |  |  | Closed | 2026-02-12 23:47 | 2026-02-23 03:06 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Maryland - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming) | 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-Under the Regulations adopted by the Maryland Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (X.XXX%) equals or exceeds the Maryland Higher-Priced Mortgage threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%). (COMAR XX.XX.XX.XX(B)(XX); XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX-XXX reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and copy of the appraisal was given to the borrower – see Pg#'s XX, XXX for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Under the Regulations adopted by the Maryland Commissioner of Financial Regulation, as applicable to Mortgage Lenders, this is a Higher-Priced Mortgage. The loan's APR of (X.XXX%) equals or exceeds the Maryland Higher-Priced Mortgage threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (X.XX%). (COMAR XX.XX.XX.XX(B)(XX); XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX-XXX reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and copy of the appraisal was given to the borrower – see Pg#'s XX, XXX for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | XX | Primary Residence | Purchase | NA | 7600347 | N/A | N/A |
| XXXX | 88697 |  |  | Closed | 2026-02-12 23:47 | 2026-02-23 03:06 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX-XXX reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and copy of the appraisal was given to the borrower – see Pg#'s XX, XXX for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-The loan meets HPML Guidelines and is a Compliant HPML loan. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX-XXX reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX An interior and exterior appraisal was completed for this property – see pg XX-XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and copy of the appraisal was given to the borrower – see Pg#'s XX, XXX for the copy of the disclosure. The loan meets HPML guidelines<br> - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | XX | Primary Residence | Purchase | NA | 7600348 | N/A | N/A |
| XXXX | 87997 |  |  | Closed | 2026-02-12 09:52 | 2026-02-12 13:35 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Legible Lender Worksheet /Income Calculator received. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide legible Lender Worksheet /Income Calculator - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Legible Lender Worksheet /Income Calculator received. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX- XXXXXX XXXXXXXXX.XXX |  |  | XX | Primary Residence | Purchase | NA | 7586144 | N/A | N/A |
| XXXX | 87997 |  |  | Closed | 2026-02-12 08:40 | 2026-02-12 08:40 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Waived-Audited Reserves of X.XX month(s) are less than Guideline Required Reserves of X month(s) Exception page XXX<br> Exception Reason: Reserves- Loan File X.XX months, GL Requirement X months<br> \*\*X Large deposits were unsourced so reduced overall available funds.<br> Client elects to waive with the following compensating factors. - Due Diligence Vendor-XX/XX/XXXX |  | Waived-Audited Reserves of X.XX month(s) are less than Guideline Required Reserves of X month(s) Exception page XXX<br> Exception Reason: Reserves- Loan File X.XX months, GL Requirement X months<br> \*\*X Large deposits were unsourced so reduced overall available funds.<br> Client elects to waive with the following compensating factors. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  | Residual XXXXXX- Loan File $XXXX.XX, XX Requirement $XXXX<br> XXXXXXXX Contribution- Loan File XX%, GL Requirement X% of sales price<br> XXXXXXXX XXXXXXX History - Loan File XxXXxXX months, GL Requirement XxXXxXX months<br> XXXXXXX XXXXXXX History - Loan File XxXXxXX months, GL Requirement XxXXxXX months | XX | Primary Residence | Purchase | NA | 7583695 | Originator Pre-Close | Yes |
| XXXX | 88695 |  |  | Closed | 2026-02-23 22:15 | 2026-02-25 04:47 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | 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: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). Provide COC for the Points - Loan Discount Fee on the Revised CD dated X/X/XXXX and the Final CD dated X/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. - Seller-XX/XX/XXXX<br>| Resolved- - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXX X X XX.XXX |  |  | XX | Primary Residence | Purchase | NA | 7771846 | N/A | N/A |
| XXXX | 88693 |  |  | Closed | 2026-02-26 03:31 | 2026-03-02 04:41 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved- Revised CD dated XX/XX/XXXX and related COC received - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-TRID: Missing Closing Disclosure Provide Revised CD dated XX/XX/XXXX and related COC's - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved- Revised CD dated XX/XX/XXXX and related COC received - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXXXX X.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 7816940 | N/A | N/A |
| XXXX | 88693 |  |  | Closed | 2026-02-26 10:21 | 2026-02-26 10:22 | Resolved | 1 - Information D A | Credit | Missing Doc | Subordination Agreement is Missing | Resolved-Subordination Agreement is Present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Provide Subordination Agreement of the Solar Loan - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Subordination Agreement is Present - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 7825481 | N/A | N/A |
| XXXX | 88693 |  |  | Closed | 2026-02-25 08:19 | 2026-02-26 10:11 | Resolved | 1 - Information C A | Credit | Credit | CLTV/LTV unknown | Resolved-Updated Solar loan on the Title page - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Solar loan being subordinated so the XX/XX.XX is correct. - Seller-XX/XX/XXXX <br>Open-Loan Approval, Rate Lock and XXXX reflect a LTV of XX% and a CLTV of XX.XX%; however, calculated LTV and CLTV is XX% - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Solar loan being subordinated so the XX/XX.XX is correct. - Seller-XX/XX/XXXX<br>| Resolved-Updated Solar loan on the Title page - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXXXX XX XXXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 7799117 | N/A | N/A |
| XXXX | 88693 |  |  | Closed | 2026-02-20 01:26 | 2026-02-26 03:35 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Change of Circumstance (50001252) | Resolved-Revised CD dated X/X/XXXX and related COC received - 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-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(e)(X); XX CFR XXXX.XX(f)(X)(v)). From Initial CD (XX/XX/XXXX) to Final CD (XX/XX/XXXX) % of Loan Amount (Points) increased to $XXX.XX. Provide Revised CD's X/XX/XXXX, X/X/XXXX and related COC's<br> - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open- - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Revised CD dated X/X/XXXX and related COC received - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXXXX X X XX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 7713801 | N/A | N/A |
| XXXX | 88693 |  |  | Closed | 2026-02-20 00:24 | 2026-02-25 23:12 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Expiration Date is before the Note Date | Resolved-Insurance is expired, provided updated Hazard document, changes made in system, Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Hazard Insurance Expiration Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX Or Hazard Insurance Expiration Date Is Not Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-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 Provide HOI Policy from XX/XX/XXXX to XX/XX/XXXX or with an effective date prior to the Closing Date. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Insurance is expired, provided updated Hazard document, changes made in system, Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Hazard Insurance Expiration Date of XX-XX-XXXX is after the Note Date of XX-XX-XXXX Or Hazard Insurance Expiration Date Is Not Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXXXX XXXXXXX XXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 7713614 | N/A | N/A |
| XXXX | 88693 |  |  | Closed | 2026-02-20 00:13 | 2026-02-25 23:12 | Resolved | 1 - Information C A | Credit | Borrower | Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO | Resolved-Fico mis match from XXXX to credit report, provided updated XXXX, changes made in system, Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Validation Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Qualifying FICO on the XXXX Page is 'XXX' or blank, but the Qualifying FICO from the Credit Liabilities Page is 'XXX' or blank. Qualifying FICO entries do not match. Please confirm the correct Qualifying FICO value. Qualifying FICO on the XXXX Page is 'XXX' but As per the Credit Liabilities Page qualifying is 'XXX - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Fico mis match from XXXX to credit report, provided updated XXXX, changes made in system, Finding Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Resolved-Validation Resolved - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXXXX XXXX.XXX |  |  | XX | Primary Residence | Refinance | Cash Out - Other | 7713578 | N/A | N/A |
| XXXX | 88696 |  |  | Closed | 2026-03-01 22:10 | 2026-03-05 06:06 | Waived | 2 - Non-Material C B | Credit | Eligibility | Ineligible Borrower per program guidelines | Waived-Client elects to waive with the following compensating factors. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Guidelines do not allow entity to sign note Guidelines do not allow business entities to sign Note. Provide Exception - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Waived-Client elects to waive with the following compensating factors. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXXXX XXXXXXXXX.XXX |  | XXXXXXXX Guaranty with Full XXXXXXXX.<br> Reserves- Loan XXXX XX.XX months, GL Requirement Min X +X XXXXXX of additional reserves for each financed XXXXXXXX (xX)<br> Credit Score- Loan File XXX, GL Requirement Min XXX<br> Residual XXXXXX- Loan File $XX,XXX.XX, GL Requirement Min $XXXX | XX | Investment | Purchase | NA | 7864970 | Originator Post-Close | Yes |
| XXXX | 88694 |  |  | Closed | 2026-02-26 08:15 | 2026-03-02 05:43 | Resolved | 1 - Information C A | Compliance | Disclosure | Data Discrepancy: Prepayment Penalty on Closing Disclosure Incorrect | Resolved-Updated HUDX with Maximum PPP iao $X,XXX.XX received - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Prepayment Penalty on Closing Disclosure does not match the prepayment penalty calculation on the Note. HUDX does not reflect Maximum PPP iao $X,XXX.XX. Provide updated HUDX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Updated HUDX with Maximum PPP iao $X,XXX.XX received - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXXX XXXXXXXXX XXX.XXX |  |  | XX | Investment | Refinance | No Cash Out - Borrower Initiated | 7822171 | N/A | N/A |
| XXXX | 88579 |  |  | Closed | 2026-03-23 05:58 | 2026-03-26 02:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing income documentation | Resolved-Requested updated XXXX & XXXX provided by removing other income of $X,XXX updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Corrected XXXX and XXXX attached removing the X,XXX income as this income was not used to qualify. Please review and clear condition. - Seller-XX/XX/XXXX <br>Open-As per Final XXXX and XXXX Borrower X is getting additional income of $X,XXX which is included to calculate qualifying DTI, however no proof of documents are available to verify the source of the income. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX | Ready for Review-Document Uploaded. Corrected XXXX and XXXX attached removing the X,XXX income as this income was not used to qualify. Please review and clear condition. - Seller-XX/XX/XXXX<br>| Resolved-Requested updated XXXX & XXXX provided by removing other income of $X,XXX updated & condition resolved. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>| XXXXXX XXXX - XXXXXXXXX XXXX XXXXXXXX X,XXX XXXXXX.XXX_XXXXX_<br> XXXXXX XXXX - XXXXXXXXX XXXX XXXXXXXX X,XXX XXXXXX.XXX |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 8261248 | N/A | N/A |
| XXXX | 88579 |  |  | Closed | 2026-03-23 12:50 | 2026-03-26 02:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX <br>Open-Borrower X Xrd Party VOE Prior to Close Missing VOE in loan file indicates CPA letter was used however CPA letters in loan file are from X/XX/XX. - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX |  | Resolved-Borrower X Xrd Party VOE Prior to Close Was Provided - XXX XXXXXXXXXX XXXXXX-XX/XX/XXXX<br>|  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 8270838 | N/A | N/A |
| XXXX | 88579 |  |  | Closed | 2026-03-23 12:50 | 2026-03-26 02:41 | 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>Open-Borrower X Xrd Party VOE Prior to Close Missing VOE in loan file indicates CPA letter was used however CPA letters in loan file are from X/XX/XX. - Due Diligence Vendor-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>|  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 8270839 | N/A | N/A |
| XXXX | 88583 |  |  | Closed | 2026-03-23 04:19 | 2026-03-24 16:20 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Acknowledged-Lender Acknowledged condition - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Lender Acknowledged condition - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Acknowledged condition - 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 Missing in the file - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Acknowledged condition - Seller-XX/XX/XXXX<br>| Acknowledged-Lender Acknowledged condition - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 8260173 | Originator Post-Close | No |
| XXXX | 88583 |  |  | Closed | 2026-03-23 04:23 | 2026-03-23 15:52 | Resolved | 1 - Information A | Compliance | HigherPriced:APR | Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming) | Resolved-The loan's (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX, 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 (X.XXX%) APR equals or exceeds the Federal HPML threshold of (X.XX%). The threshold is determined by adding X.X points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (X.XX%).(XX CFR XXXX.XX(a)(X)(i)) This loan failed the higher-priced mortgage loan test. (XX CFR § XXXX.XX(a)(X))Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in XX CFR §XXXX.XX, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC's, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#'s XXX and the Final Closing disclosure on Pg#'s XXX, Finding reflects escrows. Rate lock date was entered correctly – see Pg#'s XXX. An interior and exterior appraisal was completed for this property – see pg XX, the appraisal disclosure was provided to the borrower(s)- see Pg#'s XXX, and confirmation the appraisal was delivered to the borrower – see Pg#'s XXX, XXX. The loan meets HPML guidelines, resolved. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | XX | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 8260221 | N/A | N/A |
| XXXX | 88589 |  |  | Closed | 2026-03-23 23:20 | 2026-04-22 04:51 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Deed of Trust is Missing | Resolved-Updated 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 Subject Property is a PUD per appraisal and PUD rider is not checked off and missing from loan file. - Due Diligence Vendor-XX/XX/XXXX <br>Open-The Deed of Trust is Missing As per appraisal report on pg#XX, the property type is PUD, however PUD rider missing from loan file and PUD Rider not checked off on DOT page XXX - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Updated 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>| XXXXXXXXX XXX XXX XXXXX.XXX |  |  | XX | Primary Residence | Purchase | NA | 8279608 | N/A | N/A |
| XXXX | 88589 |  |  | Closed | 2026-03-23 19:15 | 2026-04-22 04:51 | Resolved | 1 - Information D A | Compliance | Missing Doc | PUD Rider is Missing | Resolved-PUD Rider Provided. Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-PUD Rider is Missing Missing PUD Rider. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-PUD Rider Provided. Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXX XXX XXX XXXXX.XXX |  |  | XX | Primary Residence | Purchase | NA | 8277828 | N/A | N/A |
| XXXX | 88589 |  |  | Closed | 2026-03-24 06:06 | 2026-03-24 16:45 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Loan Estimate | Resolved-lender provided Loan Estimate along with other initial disclosures in alternate finding - finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review- - Due Diligence Vendor-XX/XX/XXXX <br>Counter-compliance report attached cannot be used to clear this - The Initial Loan Estimate is required to complete the compliance test. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-lender provided Loan Estimate along with other initial disclosures in alternate finding - finding resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXX XXXXXX.XXX |  |  | XX | Primary Residence | Purchase | NA | 8284545 | N/A | N/A |
| XXXX | 88589 |  |  | Closed | 2026-03-24 13:54 | 2026-03-24 16:44 | Resolved | 1 - Information C A | Compliance | Mavent | License: Loan Originator | 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-A relationship between XXXXXX XXXXXXXXX (NMLS ID: XXXX) and the company (Company NMLS ID: XXXXXXX) does not exist in the NMLS Consumer Access as of XXXX-XX-XX. However, other relationship(s) were found in the NMLS Consumer Access for this individual and may be found in the NMLS Info section. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved- - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | XX | Primary Residence | Purchase | NA | 8298598 | N/A | N/A |
| XXXX | 88589 |  |  | Closed | 2026-03-24 13:54 | 2026-03-24 16:36 | Resolved | 1 - Information C A | Compliance | TRID | Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application | Resolved-Initial LE provided... finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The Initial Loan Estimate Disclosure Date (XXXX-XX-XX) is more than X business days from the Application Date (XXXX-XX-XX). Three business days from the Application Date is (XXXX-XX-XX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application. (XX CFR XXXX.XX(e)(X)(iii)) Initial Loan Estimate missing. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Initial LE provided... finding resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXXX - XXXXXXX XXXXXX.XXX |  |  | XX | Primary Residence | Purchase | NA | 8298597 | N/A | N/A |
| XXXX | 88589 |  |  | Closed | 2026-03-24 12:47 | 2026-03-24 16:21 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Lender provided updated Final XXXX - Finding resolved. - 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. Final XXXX to be corrected for the appraised value as $XXX,XXX is listed as the appraised value instead of $XXX,XXX - lender used the sales price as the appraised value on the XXXX instead of the actual appraised value. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Lender provided updated Final XXXX - Finding resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXX XXXX - XXXXXXXXX XXXX - XXXXXXXXXXX XXXXXXX- XXXXXXXXX XXXXX.XXX |  |  | XX | Primary Residence | Purchase | NA | 8296728 | N/A | N/A |
| XXXX | 88590 |  |  | Closed | 2026-03-24 04:52 | 2026-03-25 13:15 | Resolved | 1 - Information D A | Credit | Eligibility | Business Entity Formation Doc Missing | Resolved-Requested certificate of Good Standing provided, updated & Condition Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. I just ordered this, still no date but uploading the invoice too :) - Seller-XX/XX/XXXX <br>Open-Entity Formation Doc Indicator is Missing. Provide certificate of good standing - XXXXXX screenshot provided on page #XX does not have a date showing when it was generated. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. I just ordered this, still no date but uploading the invoice too :) - Seller-XX/XX/XXXX<br>| Resolved-Requested certificate of Good Standing provided, updated & Condition Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXXXXX.XXX_XXXXX_<br> XXXXXXX XXX.XXX |  |  | XX | Investment | Purchase | NA | 8283613 | N/A | N/A |
| XXXX | 88590 |  |  | Closed | 2026-03-24 05:36 | 2026-03-25 13:15 | Resolved | 1 - Information D A | Credit | Missing Doc | The letter of explanation for the borrower's assets/reserves is missing | Resolved-Access Letter s missing in file, asked for same, No Access Letter is required as statement is joint account, with spouse name, no Lox required hence Condition Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Our NON QM guidelines do not require XXX% access letter for Joint account. Please clear condition. - Seller-XX/XX/XXXX <br>Open-The letter of explanation for the borrower's assets/reserves is missing. Please provide LOE or additional assets/reserves. Provide LOX from other person XXXXXXXX XXXXXX stating that Borrower has access to XXX% of funds in the bank account #XXXX, #XXXX, #XXXX<br> - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Our NON QM guidelines do not require XXX% access letter for Joint account. Please clear condition. - Seller-XX/XX/XXXX<br>| Resolved-Access Letter s missing in file, asked for same, No Access Letter is required as statement is joint account, with spouse name, no Lox required hence Condition Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | XX | Investment | Purchase | NA | 8284081 | N/A | N/A |
| XXXX | 88590 |  |  | Closed | 2026-03-24 06:03 | 2026-03-25 13:13 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Lender provided updated Final XXXX with appraised value matching appraisal report ($X,XXX,XXX) - finding resolved. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Corrected XXXX attached. Please review and clear condition. - Seller-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. Provided XXXX shows appraisal value $XXXXXXX, However Appraisal doc shows $XXXXXXX. Provide updated XXXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Corrected XXXX attached. Please review and clear condition. - Seller-XX/XX/XXXX<br>| Resolved-Lender provided updated Final XXXX with appraised value matching appraisal report ($X,XXX,XXX) - finding resolved. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXX XXXX - XXXXXXXXX XXXX - XXXXXXXXX XXXXX.XXX |  |  | XX | Investment | Purchase | NA | 8284507 | N/A | N/A |
| XXXX | 88590 |  |  | Closed | 2026-03-24 05:52 | 2026-03-25 01:58 | Resolved | 1 - Information D A | Compliance | Missing Doc | TRID: Missing Closing Disclosure | Resolved-Requested Settlement statement provided, Updated & Condition Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Uploaded FSS, this is a business purpose loan. - Seller-XX/XX/XXXX <br>Open-TRID: Missing Final Closing Disclosure Provide Final CD. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Uploaded FSS, this is a business purpose loan. - Seller-XX/XX/XXXX<br>| Resolved-Requested Settlement statement provided, Updated & Condition Resolved<br> - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | XX | Investment | Purchase | NA | 8284282 | N/A | N/A |
| XXXX | 88590 |  |  | Closed | 2026-03-24 04:32 | 2026-03-25 01:58 | Resolved | 1 - Information D A | Compliance | Missing Doc | Missing evidence Mortgage/Deed of Trust will be recorded | Resolved-Recording info missing as Final Cd is Missing file, provided Final Settlement statement, Updated & Condition Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Evidence of Mortgage Recording is present or Mortgage has been sent for Recording - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Not sure what missing mortgage recording is? We don't have a copy of the recorded mtg yet but supplied the cert. copy. FSS is attached. - Seller-XX/XX/XXXX <br>Open-Missing evidence of Mortgage recording Provide evidence of Mortgage recording, Final CD missing from file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. Not sure what missing mortgage recording is? We don't have a copy of the recorded mtg yet but supplied the cert. copy. FSS is attached. - Seller-XX/XX/XXXX<br>| Resolved-Recording info missing as Final Cd is Missing file, provided Final Settlement statement, Updated & Condition Resolved<br> - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Evidence of Mortgage Recording is present or Mortgage has been sent for Recording - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXX XXXX XXXXXXXXX XXXXX.XXX |  |  | XX | Investment | Purchase | NA | 8283343 | N/A | N/A |
| XXXX | 88590 |  |  | Closed | 2026-03-24 05:00 | 2026-03-25 01:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lender Income Calculation Worksheet | Resolved-Requested Income Worksheet provided, updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Bank Statement Summary Lender Worksheet / Income Calculator is Missing for one or more borrowers. Provide asset depletion worksheet. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Requested Income Worksheet provided, updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-Validation Resolved' - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXX XXXXX XX.XXX |  |  | XX | Investment | Purchase | NA | 8283697 | N/A | N/A |
| XXXX | 88594 |  |  | Closed | 2026-03-23 06:54 | 2026-04-03 10:15 | Resolved | 1 - Information C A | Compliance | Rescission:Variance | Federal - Right of Rescission Variance Failure (TILA) | Resolved-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 <br>Open- - 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 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) - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX |  | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 8262403 | N/A | N/A |
| XXXX | 88594 |  |  | Closed | 2026-03-23 06:54 | 2026-04-03 10:15 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Insufficient Tolerance Cure (50001028) | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Counter-Broker fee increased, missing change of circumstance or cure from the file. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - 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 ($XX.XX) were applied to the total fee variance of ($XX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Missing change of circumstance for the broker fee on the final closing disclosure. - 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. - Seller-XX/XX/XXXX<br>| Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX - XXX.XXX_XXXXX_<br> XXX XXXXX XXXXX.XXX_XXXXX_<br> XXX XX X.X.XXXX.XXX |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 8262402 | N/A | N/A |
| XXXX | 88594 |  |  | Closed | 2026-03-23 06:54 | 2026-04-01 12:01 | Resolved | 1 - Information C A | Compliance | Rescission:Disbursement | Federal - Right of Rescission (Loan Disbursement Violation) (TILA) | Resolved-Received updated PCCD disbursement date. - Due Diligence Vendor-XX/XX/XXXX <br>Resolved- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. Attached is the NTRC that was signed at docs. <br> Docs were dated for Signing X/XX/XXXXX<br> Borrower actually signed Saturday X/XX<br> Midnight date was update or X/XX<br> We disbursed on X/XX. <br>PCCD attached for Signing X/XX and Disbursing X/XX. <br> - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <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. Attached is the NTRC that was signed at docs. <br> Docs were dated for Signing X/XX/XXXXX<br> Borrower actually signed Saturday X/XX<br> Midnight date was update or X/XX<br> We disbursed on X/XX. <br>PCCD attached for Signing X/XX and Disbursing X/XX. <br> - Seller-XX/XX/XXXX<br>| Resolved-Received updated PCCD disbursement date. - Due Diligence Vendor-XX/XX/XXXX<br>| XXX - XXXX @ XXXX.XXX_XXXXX_<br> XXXX - XXX.XXX |  |  | XX | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 8262405 | N/A | N/A |
| XXXX | 88597 |  |  | Closed | 2026-03-23 08:06 | 2026-03-26 10:33 | Resolved | 1 - Information D A | Compliance | Missing Doc | Consumer Caution and Home Owner Counseling Notice is Missing | Resolved-Received home tool kit disclosure. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-Consumer Caution and Home Owner Counseling Notice is Missing Missing hometool kit from the file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Received home tool kit disclosure. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXX XXXX XXXXXXX.XXX_XXXXX_<br> XXXXXXXXXXX - XXXXXXX XXXXXX.XXX |  |  | XX | Primary Residence | Purchase | NA | 8263786 | N/A | N/A |
| XXXX | 88597 |  |  | Closed | 2026-03-23 08:02 | 2026-03-26 10:32 | Acknowledged | 2 - Non-Material B | Compliance | Missing Doc | Missing Anti-Steering Disclosure | Acknowledged-Client acknowledged missing anti-steering disclosure. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Condition acknowledged - 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 from the file. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Condition acknowledged - Seller-XX/XX/XXXX<br>| Acknowledged-Client acknowledged missing anti-steering disclosure. - Due Diligence Vendor-XX/XX/XXXX<br>|  |  |  | XX | Primary Residence | Purchase | NA | 8263726 | Investor Post-Close | No |
| XXXX | 88602 |  |  | Closed | 2026-03-23 23:28 | 2026-03-26 16:05 | Resolved | 1 - Information C A | Compliance | Tolerance:FinanceCharge | Federal - Finance Charge Disclosure Tolerance (Closed End) | Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. See passed report page X of XX. - Seller-XX/XX/XXXX <br>Counter-the $XXX Reinspection which is a finance charge is not reflecting on the Mavent report provided. this could be cured if the $XXX is refunded and either a copy of the check, PCCD, LOE and proof of delivery are provided. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-lender provided mavent report showing this cleared - submitted ticket to review as fail is still populating. - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX <br>Open-The disclosed finance charge ($XXX,XXX.XX) is ($XXX.XX) below the actual finance charge($XXX,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XXX below the actual finance charge. (XX CFR XXXX.XX(d)(X); OSC XX(c)(X)(ii)-X) - Due Diligence Vendor-XX/XX/XXXX <br>Open- - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. See passed report page X of XX. - Seller-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Resolved - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXX XXXX - XXXXXX XXXXXX XXXXXX.XXX_XXXXX_<br> XXXXXXXXX XXXX - XXXXXX XXXXXX XXXXXX X.XX XXX XXXX X XX XX.XXX |  |  | XX | Primary Residence | Purchase | NA | 8279712 | N/A | N/A |
| XXXX | 88602 |  |  | Closed | 2026-03-23 23:45 | 2026-03-25 03:15 | Resolved | 1 - Information D A | Credit | Missing Doc | 1008 Document is Missing | Resolved-Requested XXXX document provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX <br>Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX <br>Open-The XXXX document is missing from the loan file. Provided XXXX page #XXX shows appraisal value as $XXXXXX, However per appraisal doc property value is $XXXXXX. Provide updated XXXX. - Due Diligence Vendor-XX/XX/XXXX | Ready for Review-Document Uploaded. - Seller-XX/XX/XXXX<br>| Resolved-Requested XXXX document provided, Updated & Condition Resolved - Due Diligence Vendor-XX/XX/XXXX <br>Resolved-The XXXX document is present in the loan file. - Due Diligence Vendor-XX/XX/XXXX<br>| XXXXXXXXX XXXX - XXXXXXXXX XXXX - XXXXXXXXXXX XXXXXXX- XXXXXXXXX XXXXX.XXX |  |  | XX | Primary Residence | Purchase | NA | 8279943 | N/A | N/A |

---

## Exhibit 99.11

[MFA 2026-NQM2 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.11 - 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** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 61331 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80 | 80 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 87998 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 52.37 | 52.37 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 87990 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | LowRisk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 87996 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 87991 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 87992 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XXXX |
| 87993 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 85.0 | 85.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | LOW RISK | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 87994 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| 87995 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 65.1 | 65.1 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX |
| 88697 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 87997 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | LowRisk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 88695 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 88693 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 78.03 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| 88696 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 78.69 | 78.69 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| 88694 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.9 | XXXX |
| 88579 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 72.79 | 72.79 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  | XXXX | XXXX | .0147 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX |
| 88583 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 88589 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 88590 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 88594 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 59.9 | 59.9 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 88597 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0204 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0204 | XXXX | 1004 URAR |  |  |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 88602 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| 88572 |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | 52.02 | 52.02 | XXXX | XXXX | -.0663 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0663 | XXXX | Moderate Risk | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |

---

## Exhibit 99.11

[MFA 2026-NQM2 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.11 - Schedule 4**

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| **Seller Loan ID** | **Loan ID** | **Investor Loan ID** | **Lender Name** | **Transaction ID** | **ULI** | **Borrower 1 First Name** | **Borrower 1 Last Name** | **Borrower 1 SSN** | **Borrower 1 Birthdate** | **Borrower 1 Gender** | **Borrower 1 Ethnicity** | **Borrower 1 Race** | **Borrower 1 Citizen** | **Borrower 1 Self-Employment Flag** | **Borrower 1 FTHB** | **Borrower 1 FICO Date** | **Borrower 1 Origination FICO** | **Borrower 1 Origination Equifax** | **Borrower 1 Origination Experian** | **Borrower 1 Origination TransUnion** | **Borrower 2 First Name** | **Borrower 2 Last Name** | **Borrower 2 SSN** | **Borrower 2 Birthdate** | **Borrower 2 Gender** | **Borrower 2 Ethnicity** | **Borrower 2 Race** | **Borrower 2 Citizen** | **Borrower 2 Self-Employment Flag** | **Borrower 2 FTHB** | **Borrower 2 FICO Date** | **Borrower 2 Origination FICO** | **Borrower 2 Origination Equifax** | **Borrower 2 Origination Experian** | **Borrower 2 Origination TransUnion** | **Borrower 3 First Name** | **Borrower 3 Last Name** | **Borrower 3 SSN** | **Borrower 3 Birthdate** | **Borrower 3 Gender** | **Borrower 3 Ethnicity** | **Borrower 3 Race** | **Borrower 3 Citizen** | **Borrower 3 Self-Employment Flag** | **Borrower 3 FTHB** | **Borrower 3 FICO Date** | **Borrower 3 Origination FICO** | **Borrower 3 Origination Equifax** | **Borrower 3 Origination Experian** | **Borrower 3 Origination TransUnion** | **Borrower 4 First Name** | **Borrower 4 Last Name** | **Borrower 4 SSN** | **Borrower 4 Birthdate** | **Borrower 4 Gender** | **Borrower 4 Ethnicity** | **Borrower 4 Race** | **Borrower 4 Citizen** | **Borrower 4 Self-Employment Flag** | **Borrower 4 FTHB** | **Borrower 4 FICO Date** | **Borrower 4 Origination FICO** | **Borrower 4 Origination Equifax** | **Borrower 4 Origination Experian** | **Borrower 4 Origination TransUnion** | **Subject Address** | **Subject City** | **Subject Sate** | **Subject Zip Code** | **Subject County** | **Originator Doc Type** | **Occupancy** | **Loan Purpose** | **Refinance Type** | **Qualifying Front End DTI** | **Qualifying DTI** | **Borrower 1 Qualifying Income** | **Borrower 2 Qualifying Income** | **Borrower 3 Qualifying Income** | **Borrower 4 Qualifying Income** | **All Borrower Total Qualifying Income** | **Borrower 1 Employment Status** | **Borrower 2 Employment Status** | **Borrower 3 Employment Status** | **Borrower 4 Employment Status** | **Borrower 1 Length of Employment** | **Borrower 2 Length of Employment** | **Borrower 3 Length of Employment** | **Borrower 4 Length of Employment** | **4506-T Flag** | **All Borrower Residual Income** | **All Borrower Monthly Debt** | **Escrow Flag** | **Months Reserves** | **Liquid Cash Reserves** | **Original Note Loan Amount** | **Original Qualifying Loan Amount** | **Original Qualifying Base LTV** | **Original Qualifying LTV** | **Original Qualifying CLTV** | **Application Date** | **Note Date** | **Cash Disbursement Date** | **Mortgage Type** | **Loan Product** | **Loan Program** | **Original Note Interest Rate** | **Original Qualifying Interest Rate** | **Original P&I Payment** | **Original Qualifying P&I Payment** | **Monthly Escrow Payment** | **Original Total Housing Expense (PITIA)** | **First Payment Date** | **Amortization Type** | **Original Amortization Term** | **Original Term to Maturity** | **Maturity Date** | **ARM Gross Margin** | **ARM Rounding Method** | **ARM Rounding Factor** | **ARM Lookback Days** | **ARM Rate Index Type** | **Origination ARM Rate Index Value** | **ARM Initial Interest Rate Cap** | **ARM Subsequent Interest Rate Cap** | **ARM Initial Interest Rate Floor** | **ARM Lifetime Interest Rate Floor** | **ARM Initial Interest Rate Maximum** | **ARM Lifetime Interest Rate Maximum** | **ARM First Rate Reset Date** | **ARM First Payment Reset Date** | **ARM Subsequent Interest Rate Reset Frequency** | **ARM Subsequent Payment Reset Frequency** | **Interest Only Flag** | **Original Interest Only Term** | **Balloon Flag** | **Buydown Flag** | **Assumable Flag** | **Prepayment Penalty Flag** | **Prepayment Penalty Total Term** | **Prepayment Penalty Type** | **Origination Channel** | **PMI Flag** | **MI Certificate Number** | **Mortgage Insurance Percent** | **Mortgage Insurance Type** | **Mortgage Insurance Company Name** | **MERS MOM Flag** | **MERS Loan ID** | **Property Type** | **Number of Units** | **Year Built** | **Primary Value Property Valuation Date** | **Primary Value Property Valuation Type** | **Primary Value Property Value** | **Secondary Value Property Valuation Date** | **Secondary Value Property Form Type** | **Secondary Value Property Value** | **Sales Price** | **Qualifying Property Value** | **Date of Prior Sale** | **Days Since Prior Sale** | **Total Adjusted Prior Purchase Price** | **Flood Zone Flag** | **Flood Zone Code** | **Flood Policy Number** | **Other Lien Amount** | **Other Lien Position** | **Originator QM Status** | **Final QM Status** | **Total Number of Borrowers** | **Cash Out Amount** | **Total Origination and Discount Points** | **Number of Mortgaged Properties** | **Credit Report: Max Trade Line** | **Credit Report: Longest Trade Line** | **Credit Report: Number of Trade Lines** | **Credit Line Usage Ratio** | **Borrower 1 Years in Home** | **GSE Eligible Flag** | **AUS Case Number** | **AUS Recommendation** | **QM Points and Fees** | **Annual Percent Rate (APR)** | **Higher Priced Mortgage Loan (HPML) Flag** | **Covered/High Cost Loan Flag** | **Guideline Name** | **UW Guideline Author** | **Blanket Mortgage Flag** |
|  | 61331 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 747 | 747 | 729 | 769 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | Debt Service Coverage Ratio | Investment | Purchase | NA | 0 | 0 | .00 | .00 | .00 | .00 | .00 |  |  |  |  |  |  |  |  | NA |  | 696 | No | 28.44 | 82816.14 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | DSCR | Fixed | (DSCR30) TPO 30 YR FIXED CASH FLOW 2 YR PPP | 4.75 | 4.75 | XXXX | 2274.38 |  | 2912.01 | XXXX | Fixed | 360 | 360 | XXXX | 0 |  |  |  |  |  |  |  |  | 4.75 |  |  |  |  |  |  | No | 0 | false | No |  |  | 24 | 6 Months Interest | Wholesale | No | XXXX |  |  |  | Yes | XXXX | XXXXXX XXXXXX XXXXXXXX | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 11990.00 | 1 |  | 315 |  |  | 2.83 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 87998 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No |  | XXXX | 631 | 631 | 663 | 606 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | MD | XXXX | XXXX | Full Doc | Primary Residence | Purchase | NA | 9.97 | 14.94 | 27653.65 | .00 | .00 | .00 | 27653.65 | Employed |  |  |  | 6.67 |  |  |  | Yes | 23521.43 | 4132.22 | Taxes and Insurance | 59.7 | 164554.29 | XXXX | XXXX | 52.37 | 52.37 | 52.37 | XXXX | XXXX | XXXX | Conventional | Fixed | ACC - XXXX | 7 | 7 | XXXX | 2194.83 | 561.31 | 2756.14 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale |  | XXXX |  |  |  | Yes | XXXX | XXXXXX XXXXXX XXXXXXXX | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 2074.00 | 1 | 23200 | 206 | 11 | 0.5916453674121406 | 15 | No | XXXX | Manual Underwriting | 2074 | 7.127 | No | No | XXXX | XXXX | No |
|  | 87990 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Non-Permanent Non-US Citizen | Yes |  | XXXX | 803 | 803 | 808 | 803 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 31.67 | 36.76 | 10908.00 | .00 | .00 | .00 | 10908.00 | Employed |  |  |  | 3.33 |  |  |  | Yes | 6898.53 | 4009.47 | Taxes and Insurance | 20.48 | 70741.9 | XXXX | XXXX | 85 | 85 | 85 | XXXX | XXXX | XXXX | Conventional | Fixed | ACC- XXX | 6.75 | 6.75 | XXXX | 2287.93 | 1166.54 | 3454.47 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | XXXXXX XXXXXX XXXXXXXX | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 2921.81 | 1 | 13849 | 121 | 4 | 0.2824615384615385 | 0.42 | No | XXXX | Manual Underwriting | 11843.06 | 7.160 | No | No | XXXX | XXXX | No |
|  | 87996 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes |  | XXXX | 776 | 767 | 785 | 776 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | UT | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 7.47 | 29.32 | 42906.35 | .00 | .00 | .00 | 42906.35 | Employed |  |  |  | 12.75 |  |  |  | NA | 30327.89 | 12578.46 | Taxes and Insurance | 8.71 | 27925.5 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | ACC- XXX | 6.625 | 6.625 | XXXX | 2754.49 | 431.92 | 3206.41 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale |  | XXXX |  |  |  | Yes | XXXX | XXX | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 1599.00 | 5 | 3818 | 156 | 2 | 0.025498440254984402 | 10 | No | XXXX | Manual Underwriting | 0 | 6.979 | No | No | XXXX | XXXX | No |
|  | 87991 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Non-US Citizen | No |  | XXXX | 723 | 711 | 727 | 723 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Permanent Non-US Citizen | Yes | true | XXXX | 724 | 724 | 722 | 732 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | Full Doc | Primary Residence | Purchase | NA | 44.28 | 48.7 | 5600.00 | 3073.83 | .00 | .00 | 8673.83 | Employed | Employed |  |  | -0.08 | 1.08 |  |  | Yes | 4449.69 | 4224.14 | Taxes and Insurance | 4.77 | 18320.58 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | ACC - XXXX | 7.5 | 7.5 | XXXX | 2416.49 | 1145.65 | 3841.14 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | XXX | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 2151.96 | 1 | 3000 | 15 | 2 | 0.024444444444444446 | 1 | No | XXXX | Manual Underwriting | 9927.96 | 7.856 | Yes | No | XXXX | XXXX | No |
|  | 87992 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Non-Permanent Non-US Citizen | Yes |  | XXXX | 750 | 750 | 748 | 783 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 14.35 | 15.06 | 11286.42 | .00 | .00 | .00 | 11286.42 | Employed |  |  |  | 1.33 |  |  |  | Yes | 9586.77 | 1699.65 | Taxes and Insurance | 11.65 | 18876.72 | XXXX | XXXX | 85 | 85 | 85 | XXXX | XXXX | XXXX | Conventional | Fixed | ACC- XXX | 7.125 | 7.125 | XXXX | 1345.18 | 274.48 | 1619.65 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | XXXXXX XXXXXX XXXXXXXX | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 1599.00 | 1 | 7700 | 35 | 4 | 0.2592655367231638 |  | No | XXXX | Manual Underwriting | 7089.79 | 7.559 | No | No | XXXX | XXXX | No |
|  | 87993 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes |  | XXXX | 742 | 729 | 765 | 742 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TX | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 27.84 | 48.6 | 28251.97 | .00 | .00 | .00 | 28251.97 | Employed |  |  |  | 3.75 |  |  |  | NA | 14520.24 | 13731.73 | Taxes and Insurance | 6.86 | 53925.53 | XXXX | XXXX | 85 | 85 | 85 | XXXX | XXXX | XXXX | Conventional | Fixed | ACC- XXX | 7 | 7 | XXXX | 6229.89 | 1488.99 | 7865.88 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | XXX | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 1599.00 | 2 | 81852 | 164 | 6 | 0.6976044129235619 |  | No | XXXX | Manual Underwriting | 20326.98 | 7.232 | No | No | XXXX | XXXX | No |
|  | 87994 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Non-Permanent Non-US Citizen | Yes |  | XXXX | 668 | 706 | 668 | 630 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CO | XXXX | XXXX | ALT DOC | Investment | Refinance | Rate and Term | 0 | 23.95 | 15870.00 | .00 | .00 | .00 | 15870.00 | Employed |  |  |  | 8.83 |  |  |  | NA | 12069.61 | 3800.39 | Taxes and Insurance | 6.03 | 20088.98 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | Conventional | Fixed | ACC - XXXX | 7.625 | 7.625 | XXXX | 2972.73 | 358.66 | 3331.39 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 12 | 6 months interest on amount that exceeds 20% | Correspondent Bulk | No | XXXX |  |  |  | Yes | XXXX | XXXXXX XXXXXX XXXXXXXX | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 1599.00 | 2 | 7639 | 90 | 6 | 0.43703389830508477 |  | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 87995 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes |  | XXXX | 703 | 692 | 709 | 703 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | VA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 44.03 | 45.93 | 9857.00 | .00 | .00 | .00 | 9857.00 | Employed |  |  |  | 7.42 |  |  |  | NA | 5329.63 | 4527.37 | Taxes and Insurance | 24.88 | 107992.32 | XXXX | XXXX | 65.1 | 65.1 | 65.1 | XXXX | XXXX | XXXX | Conventional | Fixed | ACC - XXXX | 8.25 | 8.25 | XXXX | 3521.56 | 770.89 | 4340.37 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Correspondent Bulk | No | XXXX |  |  |  | Yes | XXXX | XXX | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 107992.32 | 3168.44 | 2 | 22800 | 291 | 5 | 0.04743464052287582 |  | No | XXXX | Manual Underwriting | 3168.44 | 8.339 | Yes | No | XXXX | XXXX | No |
|  | 88697 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 659 | 623 | 659 | 674 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | MD | XXXX | XXXX | Full Doc | Primary Residence | Purchase | NA | 39.82 | 47.73 | 15787.96 | .00 | .00 | .00 | 15787.96 | Employed |  |  |  | 0.89 |  |  |  | Yes | 8252.73 | 7535.23 | Taxes and Insurance | 11.7 | 73554.81 | XXXX | XXXX | 70 | 70 | 70 | XXXX | XXXX | XXXX | Conventional | Fixed | ACC - XXXX | 7.375 | 7.375 | XXXX | 5076.46 | 1135.48 | 6286.94 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | XXX | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 7111.50 | 2 | 13733 | 124 | 5 | 0.99325 | 5.33 | No | XXXX | Manual Underwriting | 27324 | 7.829 | Yes | No | XXXX | XXXX | No |
|  | 87997 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes |  | XXXX | 703 | 703 | 721 | 699 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | VA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 21.02 | 43.81 | 6590.73 | .00 | .00 | .00 | 6590.73 | Employed |  |  |  | 6.75 |  |  |  | NA | 3703.12 | 2887.61 | Taxes and Insurance | 3.17 | 4396.6 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | ACC- PXXX | 6.875 | 6.875 | XXXX | 1182.47 | 203.15 | 1385.61 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | XXXXXX XXXXXX XXXXXXXX | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 1599.00 | 1 | 34193 | 182 | 5 | 0.05035714285714286 |  | No | XXXX | Manual Underwriting | 6549 | 7.280 | No | No | XXXX | XXXX | No |
|  | 88695 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | Non-Permanent Non-US Citizen | Yes | true | XXXX | 762 | 737 | 762 | 776 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NJ | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 28.57 | 29.78 | 12546.00 | .00 | .00 | .00 | 12546.00 | Employed |  |  |  | 5.93 |  |  |  | NA | 8809.65 | 3736.35 | Taxes and Insurance | 4.69 | 16814.54 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | ACC - XXXX | 6.75 | 6.75 | XXXX | 2698.17 | 886.18 | 3584.35 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | XXXXXX XXXXXX XXXXXXXX | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 2951.00 | 1 | 27000 | 159 | 5 | 0.21658018867924528 | 16.42 | No | XXXX | Manual Underwriting | 13351 | 7.161 | No | No | XXXX | XXXX | No |
|  | 88693 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 795 | 796 | 795 | 773 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 740 | 735 | 740 | 758 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | AZ | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Other | 40.23 | 48.94 | 4633.46 | 4667.87 | .00 | .00 | 9301.33 | Employed | Employed |  |  |  | 7.44 |  |  | NA | 4749.67 | 4551.66 | Taxes and Insurance | 80.56 | 301442.43 | XXXX | XXXX | 75 | 75 | 78.03 | XXXX | XXXX | XXXX | Conventional | Fixed | ACC- XXX | 6.625 | 6.625 | XXXX | 3217.56 | 375.89 | 3741.66 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No |  | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | XXXXXX XXXXXX XXXXXXXX | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 20283.21 | Existing 2nd | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 336046.43 | 1975.88 | 1 | 34150 | 133 | 11 | 0.26231957315360854 | 8.00 | No | XXXX | Manual Underwriting | 17050.88 | 6.994 | No | No | XXXX | XXXX | No |
|  | 88696 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 789 | 782 | 789 | 794 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | PA | XXXX | XXXX | Full Doc | Investment | Purchase | NA | 18.08 | 43.69 | 21708.18 | .00 | .00 | .00 | 21708.18 | Employed |  |  |  | 11.29 |  |  |  | 1 YR | 12224.89 | 9483.29 | Taxes and Insurance | 47.01 | 146350.84 | XXXX | XXXX | 78.69 | 78.69 | 78.69 | XXXX | XXXX | XXXX | Conventional | Fixed | ACC- XXXX | 6.375 | 6.375 | XXXX | 2236.56 | 876.33 | 3112.89 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | Y | 12 | 6 months interest on amount that exceeds 20% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | XXXXXX XXXXXX XXXXXXXX | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 16670.00 | 2 | 40187 | 365 | 4 | 0.11388263439347031 | 19.00 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 88694 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 799 | 799 | 810 | 776 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Investment | Refinance | Rate and Term | 13.71 | 42.73 | 19513.55 | .00 | .00 | .00 | 19513.55 | Employed |  |  |  | 9.88 |  |  |  | NA | 11176.09 | 8337.46 | No Escrow | 45.41 | 115078.12 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | ACC- XXX | 6.375 | 6.375 | XXXX | 1896.55 | 0 | 2534.38 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 60 | 6 months interest on amount that exceeds 20% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | XXXXXX XXXXXX XXXXXXXX | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Collateral Underwriter (CU) | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | D | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 5963.98 | 2 | 76426 | 210 | 4 | 0.11098591549295775 | 2.00 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 88579 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 777 | 768 | 789 | 777 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 793 | 788 | 813 | 793 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Rate and Term | 35.73 | 49.71 | 27337.00 | 21266.50 | .00 | .00 | 48603.50 | Employed | Employed |  |  | 27.04 | 26.04 |  |  | Yes | 24445.09 | 24158.41 | No Escrow | 17.27 | 299817.62 | XXXX | XXXX | 72.79 | 72.79 | 72.79 | XXXX | XXXX | XXXX | Conventional | Fixed | FundLoan - XXXX (Primary & 2nd Home) | 5.99 | 5.99 | XXXX | 13600.54 | 0 | 17364.81 | XXXX | Fixed | 480 | 480 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | XXXXXX XXXXXX XXXXXXXX | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 11611.25 | 2 | 110947 | 392 | 3 | 0.1337387264279858 | 2.17 | No | XXXX | Manual Underwriting | 23856.25 | 6.097 | No | No | XXXX | XXXX | No |
|  | 88583 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 649 | 670 | 626 | 649 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 685 | 727 | 674 | 685 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | TN | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Home Improvement/Reno | 15.93 | 39.38 | 9269.50 | 9269.50 | .00 | .00 | 18539.00 | Employed | Employed |  |  | 4.66 | 4.66 |  |  | NA | 11237.55 | 7301.45 | Taxes and Insurance | 28.22 | 83324.08 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | FundLoan - XXXX (Primary & 2nd Home) | 8.125 | 8.125 | XXXX | 2554.19 | 398.59 | 2952.78 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | XXXXXX XXXXXX XXXXXXXX | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 83324.08 | 5275.00 | 1 | 54421 | 227 | 12 | 0.8097584165262112 | 15.00 | No | XXXX | Manual Underwriting | 13875 | 8.399 | Yes | No | XXXX | XXXX | No |
|  | 88589 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 797 | 769 | 821 | 797 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | NV | XXXX | XXXX | Asset Depletion – Debt Ratio Calculation | Primary Residence | Purchase | NA | 9.84 | 34.68 | 34853.28 | .00 | .00 | .00 | 34853.28 | Employed |  |  |  |  |  |  |  | NA | 22767.16 | 12086.12 | Taxes and Insurance | 5.37 | 18420.6 | XXXX | XXXX | 60 | 60 | 60 | XXXX | XXXX | XXXX | Conventional | Fixed | FundLoan - XXXX (Primary & 2nd Home) | 5.875 | 5.875 | XXXX | 2729.35 | 641.54 | 3430.88 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | XXX | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 1835.00 | 3 | 47500 | 391 | 4 | 0.23847856154910096 | 2.25 | No | XXXX | Manual Underwriting | 8755.99 | 6.101 | No | No | XXXX | XXXX | No |
|  | 88590 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 790 | 801 | 790 | 777 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | FL | XXXX | XXXX | Asset Depletion – Debt Ratio Calculation | Investment | Purchase | NA | 22.02 | 32.73 | 21698.91 | .00 | .00 | .00 | 21698.91 | Not Employed |  |  |  |  |  |  |  | NA | 14595.87 | 7103.04 | No Escrow | 33.95 | 336652.78 | XXXX | XXXX | 60 | 60 | 60 | XXXX | XXXX | XXXX | Conventional | Fixed | FundLoan - XXXX (Investment) | 6.25 | 6.25 | XXXX | 7296.25 | 0 | 9915.92 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | Y | 36 | 6 months interest on amount that exceeds 20% | Wholesale | No | XXXX |  |  |  | Yes | XXXX | XXX | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | ATR/QM: Exempt | ATR/QM: Exempt | 1 | 0 | 8887.50 | 2 | 45000 | 390 | 4 | 0.03647368421052632 | 28.25 | No | XXXX | Manual Underwriting |  |  |  |  | XXXX | XXXX | No |
|  | 88594 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 804 | 816 | 804 | 800 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | 1YR Business P&L | Primary Residence | Refinance | Rate and Term | 17.83 | 24.53 | 46400.00 | .00 | .00 | .00 | 46400.00 | Employed |  |  |  | 3.28 |  |  |  | NA | 35019.92 | 11380.08 | No Escrow | 19.27 | 159449.08 | XXXX | XXXX | 59.9 | 59.9 | 59.9 | XXXX | XXXX | XXXX | Conventional | Fixed | FundLoan - XXXX (Primary & 2nd Home) | 6.125 | 6.125 | XXXX | 6114.79 | 0 | 8274.66 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | XXX | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 4143.82 | 2830.00 | 1 | 195000 | 189 | 8 | 0.01711943793911007 | 1.00 | No | XXXX | Manual Underwriting | 7861.6 | 6.206 | No | No | XXXX | XXXX | No |
|  | 88597 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 766 | 766 | 743 | 784 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Purchase | NA | 16.46 | 48.8 | 129391.79 | .00 | .00 | .00 | 129391.79 | Employed |  |  |  | 8.73 |  |  |  | NA | 66243.83 | 63147.96 | Taxes and Insurance | 14.53 | 309481.73 | XXXX | XXXX | 75 | 75 | 75 | XXXX | XXXX | XXXX | Conventional | Fixed | FundLoan - XXXX (Primary & 2nd Home) | 6.25 | 6.25 | XXXX | 17086.15 | 4214.91 | 21301.06 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | XXXXXX XXXXXX XXXXXXXX | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 0 | 8772.50 | 9 | 50000 | 259 | 4 | 0.3835081967213115 | 3.75 | No | XXXX | Manual Underwriting | 50397.5 | 6.327 | No | No | XXXX | XXXX | No |
|  | 88602 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 758 | 755 | 775 | 758 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | No | false | XXXX | 754 | 757 | 750 | 754 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | OR | XXXX | XXXX | Full Doc | Primary Residence | Purchase | NA | 32.51 | 41.63 | 1724.79 | 5893.33 | .00 | .00 | 7618.12 | Retired | Employed |  |  |  | 17.56 |  |  | NA | 4446.82 | 3171.3 | Taxes | 40.68 | 100725.97 | XXXX | XXXX | 80 | 80 | 80 | XXXX | XXXX | XXXX | Conventional | Fixed | FundLoan - XXXX (Primary & 2nd Home) | 6.5 | 6.5 | XXXX | 1961.95 | 342.44 | 2476.3 | XXXX | Fixed | 360 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 0 | No | No | No | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | XXXXXX XXXXXX XXXXXXXX | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 2 | 0 | 1835.00 | 1 | 29100 | 319 | 5 | 0.1591334214002642 | 1 | No | XXXX | Manual Underwriting | 6491.02 | 6.817 | No | No | XXXX | XXXX | No |
|  | 88572 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | US Citizen | Yes | false | XXXX | 757 | 757 | 772 | 714 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX |  |  |  | XXXX |  |  |  |  | XXXX | XXXX | CA | XXXX | XXXX | ALT DOC | Primary Residence | Refinance | Cash Out - Debt Consolidation | 47.09 | 49.85 | 13123.67 | .00 | .00 | .00 | 13123.67 | Employed |  |  |  | 22.7 |  |  |  | NA | 6581.72 | 6541.95 | Taxes and Insurance | 18.21 | 88236.36 | XXXX | XXXX | 52.02 | 52.02 | 52.02 | XXXX | XXXX | XXXX | Conventional | Fixed | FundLoan - XXXX (Primary & 2nd Home) | 6.375 | 6.375 | XXXX | 4761.6 | 1418.35 | 4844.91 | XXXX | Fixed | 240 | 360 | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 120 | No | No | No | N | 0 | No Prepayment Penalty | Wholesale | No | XXXX |  |  |  | Yes | XXXX | XXXXXX XXXXXX XXXXXXXX | 1 | XXXX | XXXX | XXXX | XXXX | XXXX | Desk Review | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | No | X | XXXX | 0 |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | 1 | 158973.42 | 1835.00 | 1 | 98246.49 | 261 | 8 | 0.39876297218762974 | 2.33 | No | XXXX | Manual Underwriting | 11510 | 6.569 | No | No | XXXX | XXXX | No |

---

## Exhibit 99.11

[MFA 2026-NQM2 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.11 - Schedule 5**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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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** | **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** | **# 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** |
| 61331 |  | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | XXXX | XXXX | XXXX | ATR/QM: Exempt | No | No | No | N/A | Appendix Q Documentation |  |  |  | Manual Underwriting | Manual Underwriting | No |  | $0.00 | 4.750% | 4.750% | $2274.38 | No | $X,XXX.XX | $XXX.XX | $839.04 | $69.92 | $X.XX | $X.XX | $0.00 | $2912.01 |  | N/A | XXXX |  | $X.XX | XXXX |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 | NA | NA |  | 0 |  |  | 0 | 0 | 0 | 0 | 0 | 0 | NA | No | No | 0 | No | No |  | 0 | 0 | No |  |  |  | 0.00% |  |  |  | NA | 0 |  | NA |  | NA | 0 | No |  | NA | 0 | 0 |  | NA |  | 0 |  | Yes | 0.927 |  |  | Borrower | Borrower | XXXX | XXXX | XX | 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 | Unknown | No |  |  |  |  |  |  | No | US Citizen |  |  |  |  |  | United States | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No |  | N/A | 81539.86 | 28 | 82816.14 | 28.4 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 87998 |  | 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 | 2074 | 01/07/2026 | 6.190% | Manual Underwriting | Manual Underwriting | No | 7.127% |  | 7.000% | 7.000% | $2194.83 | No | $X,XXX.XX | $XXX.XX | $1464.96 | $122.08 | $X.XX | $X.XX | $0.00 | $2756.14 | $23521.43 | N/A | XXXX |  | $X.XX | XXXX |  | 14.94% | 14.94% | 14.94% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 YRS W2 |  | 1 Month |  | N/A | 0 |  |  | 0 | 0 |  |  | 1 | 2 | NA | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  | Proceeds from Sale | N/A | 0 | N/A |  |  | NA | 0 | No |  | Yes | 82 | 35 | FNMA 1005 |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Commission - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | Borrower - Executed 4506T Verified, 2 YRS IRS Transcripts Verified - ["2023","2024","2025"] - 2023, 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 631 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 13 | 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 |  | XX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | 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 | 164554.29 | 59.7 | 164554.29 | 59.7 | No | 52.37 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 87990 |  | 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 | 11843.06 | 12/01/2025 | 6.190% | Manual Underwriting | Manual Underwriting | No | 7.160% |  | 6.750% | 6.750% | $2287.93 | No | $XX,XXX.XX | $XXX.XX | $3559.44 | $296.62 | $X.XX | $X.XX | $0.00 | $3454.47 | $6898.53 | N/A | XXXX |  | $X.XX | XXXX |  | 36.76% | 36.76% | 36.76% | 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 |  |  | Borrower - SESoleProprietor - Executed 4506T Verified, Business Bank Statements Verified - ["2024","2025"] - 2024, 2025 | Borrower - Executed 4506T Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 803 |  |  |  |  |  |  |  |  | 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 |  | XX | United States of America (USA) | XXXX | XXXX | XXXX | Employment Authorization Card or Document | 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 | 70741.90 | 20.5 | 70741.90 | 20.5 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 87996 |  | 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 | 01/08/2026 | 6.190% | Manual Underwriting | Manual Underwriting | No | 6.979% |  | 6.625% | 6.625% | $2754.49 | No | $X,XXX.XX | $XXX.XX | $864.96 | $72.08 | $XXX.XX | $XX.XX | $0.00 | $3206.41 | $30327.89 | N/A | XXXX | XX | $XX.XX | XXXX | Monthly | 29.62% | 29.32% | 29.32% | 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 |  |  | 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 | 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 |  | XX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | 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 | 27925.50 | 8.7 | 27925.50 | 8.7 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 87991 |  | 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 | 9927.96 | 01/12/2026 | 6.170% | Manual Underwriting | Manual Underwriting | No | 7.856% |  | 7.500% | 7.500% | $2416.49 | No | $X,XXX.XX | $XXX.XX | $4001.04 | $333.42 | $X,XXX.XX | $XXX.XX | $0.00 | $3841.14 | $4449.69 | N/A | XXXX | XX | $XXX.XX | XXXX | Monthly | 48.70% | 48.70% | 48.70% | No | No |  |  |  |  |  |  | Employed | Self-Employed |  |  |  |  | 1YR Full Doc | 0 | 0 | NA | NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | Yes NA | No | No | 0 | No | No | N/A | 0 | 0 | Yes | Yes | 0 | 12 | 35.44% | 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 - Wage - Executed 4506T Verified, Award Letter Verified - ["2025"] - 2025 \|\| Co Borrower - SESoleProprietor - Executed 4506T Verified, Business Bank Statements Verified - ["2025"] - 2025 | Borrower - Executed 4506T Verified - ["2025"] - 2025 \|\| Co Borrower - Executed 4506T Verified - ["2025"] - 2025 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 723 |  |  |  |  |  |  |  |  | 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 |  | XX | United States of America (USA) | XXXX | XXXX | XXXX | I-151 Permanent Resident Card | XXXX | XXXX | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | FL | XXXX | XXXX | XXXX | XXXX | I-151 Permanent Resident Card | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX | XXXX | XXXX |  | XXXX | XXXX |  |  |  |  |  |  | XXXX | XXXX |  | XXXX |  | XXXX | XXXX | Fee Simple | XXXX | No | No | N/A | 18320.58 | 4.8 | 18320.58 | 4.8 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| 87992 |  | 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 | 7089.79 | 01/09/2026 | 6.190% | Manual Underwriting | Manual Underwriting | No | 7.559% |  | 7.125% | 7.125% | $1345.18 | No | $X,XXX.XX | $XXX.XX | $1542.36 | $128.53 | $X.XX | $X.XX | $0.00 | $1619.65 | $9586.77 | N/A | XXXX |  | $X.XX | XXXX |  | 15.06% | 15.06% | 15.06% | 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"] - 2025 | Borrower - Executed 4506T Verified - ["2025"] - 2025 | XXXX | XXXX | XX | 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 | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Real ID Driver's License |  | XX | United States of America (USA) | XXXX | XXXX | XXXX | Employment Authorization Card or Document | 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 | 18876.72 | 11.7 | 18876.72 | 11.7 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 87993 |  | 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 | 20326.98 | 01/06/2026 | 6.190% | Manual Underwriting | Manual Underwriting | No | 7.232% |  | 7.000% | 7.000% | $6229.89 | No | $XX,XXX.XX | $X,XXX.XX | $3167.88 | $263.99 | $X,XXX.XX | $XXX.XX | $0.00 | $7865.88 | $14520.24 | N/A | XXXX | XX | $XXX.XX | XXXX | Annually | 48.60% | 48.60% | 48.60% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 50.00% |  |  | 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"] - 2025 | Borrower - ["2025"] - 2025 | XXXX | XXXX | XX | 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 |  | XX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | 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 | 53925.53 | 6.9 | 53925.53 | 6.9 | No | 85 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 87994 |  | 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 |  |  | 7.625% | 7.625% | $2972.73 | No | $X,XXX.XX | $XXX.XX | $1770.96 | $147.58 | $X.XX | $X.XX | $0.00 | $3331.39 | $12069.61 | N/A | XXXX |  | $X.XX | XXXX |  | 23.95% | 23.95% | 23.95% | 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 - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | 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 | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Standard Driver's License - Not for federal use |  | XX | United States of America (USA) | XXXX | XXXX | XXXX | Employment Authorization Card or Document | 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 | 20088.98 | 6 | 20088.98 | 6 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 87995 |  | 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 | 3168.44 | 01/02/2026 | 6.250% | Manual Underwriting | Manual Underwriting | No | 8.339% |  | 8.250% | 8.250% | $3521.56 | No | $X,XXX.XX | $XXX.XX | $1292.04 | $107.67 | $XXX.XX | $XX.XX | $0.00 | $4340.37 | $5329.63 | N/A | XXXX | XX | $XX.XX | XXXX | Annually | 45.93% | 45.93% | 45.93% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Audited | 12 | Accountant/Bookkeeper |  |  | 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 | XX | 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 |  | XX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | 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 | 107992.32 | 24.9 | No | 65.1 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 88697 |  | 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 | 27324 | 12/04/2025 | 6.190% | Manual Underwriting | Manual Underwriting | No | 7.829% |  | 7.375% | 7.375% | $5076.46 | No | $XX,XXX.XX | $XXX.XX | $3591.00 | $299.25 | $XXX.XX | $XX.XX | $0.00 | $6286.94 | $8252.73 | N/A | XXXX | XX | $XX.XX | XXXX | Monthly | 47.68% | 47.73% | 47.73% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 2YR Full Doc | 2 YRS W2 |  | 2+ Months |  | N/A | 0 |  |  | 0 | 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 |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - 2 YRS W2 Verified, 2+ Months Paystubs Verified, Executed 4506T Verified - ["2025","2026"] - 2025, 2026 | Borrower - Executed 4506T Verified - ["2025","2026"] - 2025, 2026 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 659 |  |  |  |  |  |  |  |  | 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 |  | XX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | 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 | 73554.81 | 11.7 | 73554.81 | 11.7 | No | 70 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 87997 |  | 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 | 6549 | 01/14/2026 | 6.170% | Manual Underwriting | Manual Underwriting | No | 7.280% |  | 6.875% | 6.875% | $1182.47 | No | $XXX.XX | $XX.XX | $1491.00 | $124.25 | $X.XX | $X.XX | $0.00 | $1385.61 | $3703.12 | N/A | XXXX |  | $X.XX | XXXX |  | 43.81% | 43.81% | 43.81% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | No | No | 0 | No | Yes | Yes | 12 | 0 | No |  |  |  | 100.00% | 100.00% |  | Proceeds from Sale | N/A | 0 | N/A |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - Personal Bank Statements Verified - ["2025"] - 2025 | Borrower - ["2025"] - 2025 | XXXX | XXXX | XX | 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 |  | XX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | 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 | 4396.60 | 3.2 | 4396.60 | 3.2 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 88695 |  | 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 | 13351 | 01/02/2026 | 6.250% | Manual Underwriting | Manual Underwriting | No | 7.161% |  | 6.750% | 6.750% | $2698.17 | No | $X,XXX.XX | $XXX.XX | $1152.96 | $96.08 | $X.XX | $X.XX | $0.00 | $3584.35 | $8809.65 | N/A | XXXX |  | $X.XX | XXXX |  | 29.78% | 29.78% | 29.78% | 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 |  |  | Borrower - SESoleProprietor - Business Bank Statements Verified - ["2025","2026"] - 2025, 2026 | Borrower - ["2025","2026"] - 2025, 2026 | XXXX | XXXX | XX | 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 | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Standard Driver's License - Not for federal use |  | XX | United States of America (USA) | XXXX | XXXX | XXXX | Passport | 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 | 16814.54 | 4.7 | 16814.54 | 4.7 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 88693 |  | 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 | 17050.88 | 01/09/2026 | 6.190% | Manual Underwriting | Manual Underwriting | No | 6.994% |  | 6.625% | 6.625% | $3217.56 | No | $X,XXX.XX | $XXX.XX | $1495.32 | $124.61 | $X.XX | $X.XX | $148.21 | $3741.66 | $4749.67 | N/A | XXXX |  | $X.XX | XXXX |  | 45.90% | 48.94% | 48.94% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 2 YRS W2 | NA | 2+ Months | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 1 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 49.82% | 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, Executed 4506T Verified, IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | Borrower - ["2024","2025"] - 2024, 2025 \|\| Co Borrower - Executed 4506T Verified, IRS Transcripts Verified - ["2024","2025"] - 2024, 2025 | XXXX | XXXX | XX | 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 | Closed End - Fixed |  |  |  |  |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | XX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | AZ | 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 | 301442.43 | 80.6 | No | 78.03 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| 88696 |  | 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 |  |  | 6.375% | 6.375% | $2236.56 | No | $X,XXX.XX | $XXX.XX | $1892.04 | $157.67 | $X.XX | $X.XX | $0.00 | $3112.89 | $12224.89 | N/A | XXXX |  | $X.XX | XXXX |  | 43.69% | 43.69% | 43.69% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | 1YR Full Doc | 1 YR 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 | 24 | 24 | Other |  |  | 0 |  | No | 0 |  |  | Borrower - Wage, Bonus, Subject Property Net Rental Income(Loss) if NOO - 1 YR W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 1 YR Executed 4506T Verified - ["2024"] - 2024 | Borrower - 1 YR Executed 4506T Verified - ["2024"] - 2024 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 789 |  |  |  |  |  |  |  |  | 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 |  | XX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | 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 | 146350.84 | 47 | 146350.84 | 47 | No | 78.69 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 88694 |  | 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 |  |  | 6.375% | 6.375% | $1896.55 | No | $X,XXX.XX | $XXX.XX | $1701.96 | $141.83 | $X.XX | $X.XX | $0.00 | $2534.38 | $11176.09 | N/A | XXXX |  | $X.XX | XXXX |  | 42.73% | 42.73% | 42.73% | 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 |  |  | 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 | XX | 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 |  | XX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | 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 | 115078.12 | 45.4 | 115078.12 | 45.4 | No | 80 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 88579 |  | 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 | 23856.25 | 03/06/2026 | 5.980% | Manual Underwriting | Manual Underwriting | No | 6.097% |  | 5.990% | 5.990% | $13600.54 | No | $XX,XXX.XX | $X,XXX.XX | $4645.08 | $387.09 | $X.XX | $X.XX | $0.00 | $17364.81 | $24445.09 | N/A | XXXX |  | $X.XX | XXXX |  | 49.71% | 49.71% | 49.71% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 12 Month Bank Statement | 0 | 2 YRS W2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 2 | 0 | 1 | 1 | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | Yes | 0 | 0 | 56.24% | 100.00% | 100.00% | Stocks/Bonds,Stocks/Bonds | N/A | 0 | N/A | Borrower Prepared | Borrower | 12 NA | 0 | Yes | 12 | NA | 0 | 0 | N/A | Yes | 25 | 25 | FNMA 1005 | No | 0 |  | N/A | Borrower - SESoleProprietor - Executed 4506T Verified, Business Bank Statements Verified - ["2025","2026"] - 2025, 2026 \|\| Co Borrower - SESoleProprietor, Wage, Bonus - 2 YRS Personal Tax Returns Verified, CPA Letter Verified, YTD Profit And Loss Verified, 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, Executed 4506T Verified, IRS Transcripts Verified - ["2023","2024","2025","2026"] - 2023, 2024, 2025, 2026 | Borrower - Executed 4506T Verified - ["2025","2026"] - 2025, 2026 \|\| Co Borrower - 2 YRS Personal Tax Returns Verified, Executed 4506T Verified, IRS Transcripts Verified - ["2023","2024","2025","2026"] - 2023, 2024, 2025, 2026 | XXXX | XXXX | XX | 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 | Real ID Driver's License |  | XX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | 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 | 299817.62 | 17.3 | 299817.62 | 17.3 | No | 72.79 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A | XXXX | XXXX |  |  |
| 88583 |  | 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 | 13875 | 02/26/2026 | 5.990% | Manual Underwriting | Manual Underwriting | No | 8.399% |  | 8.125% | 8.125% | $2554.19 | No | $X,XXX.XX | $XXX.XX | $3272.04 | $272.67 | $X.XX | $X.XX | $0.00 | $2952.78 | $11237.55 | N/A | XXXX |  | $X.XX | XXXX |  | 39.54% | 39.38% | 39.38% | 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% | 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 - SEPartnership, Other REO Net Rental Income(Loss) - Business Bank Statements Verified - ["2025"] - 2025 \|\| Co Borrower - SEPartnership - Business Bank Statements Verified - ["2025"] - 2025 | Borrower - ["2025"] - 2025 \|\| Co Borrower - ["2025"] - 2025 | XXXX | XXXX | XX | 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 | Standard Driver's License - Not for federal use |  | XX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | TN | 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 | 83324.08 | 28.2 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| 88589 |  | 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 | 8755.99 | 02/25/2026 | 5.990% | Manual Underwriting | Manual Underwriting | No | 6.101% |  | 5.875% | 5.875% | $2729.35 | No | $X,XXX.XX | $XXX.XX | $605.04 | $50.42 | $XXX.XX | $XX.XX | $0.00 | $3430.88 | $22767.16 | N/A | XXXX | XX | $XX.XX | XXXX | Monthly | 34.68% | 34.68% | 34.68% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Asset Depletion – Debt Ratio Calculation | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | Yes | No | 60 | No | Yes | Yes | 3 | 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, Other REO Net Rental Income(Loss) - Personal Bank Statements Verified - ["2025"] - 2025 | Borrower - ["2025"] - 2025 | XXXX | XXXX | XX | 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 |  | XX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | 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 | 18420.60 | 5.4 | 18420.60 | 5.4 | No | 60 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 88590 |  | 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 |  |  | 6.250% | 6.250% | $7296.25 | No | $XX,XXX.XX | $X,XXX.XX | $10961.04 | $913.42 | $X,XXX.XX | $XXX.XX | $0.00 | $9915.92 | $14595.87 | N/A | XXXX | XX | $XXX.XX | XXXX | Annually | 32.73% | 32.73% | 32.73% | Yes |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | Asset Depletion – Debt Ratio Calculation | 0 |  | NA |  | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA | Yes | 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 - Asset Depletion, Subject Property Net Rental Income(Loss) if NOO - ["2025","2026"] - 2025, 2026 | Borrower - ["2025","2026"] - 2025, 2026 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 790 |  |  |  |  |  |  |  |  | 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 |  | XX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | 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 | 336652.78 | 34 | 336652.78 | 34 | No | 60 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| 88594 |  | 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 | 7861.6 | 02/25/2026 | 5.990% | Manual Underwriting | Manual Underwriting | No | 6.206% |  | 6.125% | 6.125% | $6114.79 | No | $XX,XXX.XX | $X,XXX.XX | $2735.16 | $227.93 | $X,XXX.XX | $XXX.XX | $0.00 | $8274.66 | $35019.92 | N/A | XXXX | XX | $XXX.XX | XXXX | Monthly | 29.95% | 24.53% | 30.03% | 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 - SECorporation - YTD Profit And Loss Verified - ["2025"] - 2025 | Borrower - ["2025"] - 2025 | XXXX | XXXX | XX | 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 |  | XX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | 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 | 159449.08 | 19.3 | 159449.08 | 19.3 | No | 59.9 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |
| 88597 |  | 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 | 50397.5 | 02/27/2026 | 5.990% | Manual Underwriting | Manual Underwriting | No | 6.327% |  | 6.250% | 6.250% | $17086.15 | No | $XX,XXX.XX | $X,XXX.XX | $4328.88 | $360.74 | $X.XX | $X.XX | $0.00 | $21301.06 | $66243.83 | N/A | XXXX |  | $X.XX | XXXX |  | 48.47% | 48.80% | 48.80% | 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% | 70.00% |  | Stocks/Bonds | 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), 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"] - 2025 | Borrower - ["2025"] - 2025 | XXXX | XXXX | XX | 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 |  | XX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | 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 | 309481.73 | 14.5 | 309481.73 | 14.5 | No | 75 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| 88602 |  | 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 | 6491.02 | 03/02/2026 | 5.980% | Manual Underwriting | Manual Underwriting | No | 6.817% |  | 6.500% | 6.500% | $1961.95 | No | $X,XXX.XX | $XXX.XX | $2062.92 | $171.91 | $X.XX | $X.XX | $0.00 | $2476.30 | $4446.82 | N/A | XXXX |  | $X.XX | XXXX |  | 42.72% | 41.63% | 41.63% | No | No |  |  |  |  |  |  | Retired | Employed |  |  |  |  | 1YR Full Doc | 0 | 2 YRS W2 | NA | 1 Month | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 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 | 24 | 24 | FNMA 1005 | No | 0 |  | N/A | Borrower - Retirement - Award Letter Verified - ["2025"] - 2025 \|\| Co Borrower - Wage - 2 YRS W2 Verified, 1 Month Paystubs Verified, Written VOE Verified, 2 YRS IRS Transcripts Verified - ["2024","2025","2026"] - 2024, 2025, 2026 | Borrower - ["2025"] - 2025 \|\| Co Borrower - 2 YRS IRS Transcripts Verified - ["2024","2025","2026"] - 2024, 2025, 2026 | XXXX | XXXX | XX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 754 |  |  |  |  |  |  |  |  | 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 Act Information Form | XX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | XXXX | XXXX | US Citizen | US Citizen | N/A | Real ID Driver's License |  | CA | 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 | 100725.97 | 40.7 | 100725.97 | 40.7 | No | 80 | N/A | No | No | No | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| 88572 |  | 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 | 11510 | 02/18/2026 | 6.100% | Manual Underwriting | Manual Underwriting | No | 6.569% |  | 6.375% | 6.375% | $4761.60 | No | $XX,XXX.XX | $X,XXX.XX | $3364.08 | $280.34 | $X.XX | $X.XX | $0.00 | $6179.95 | $6581.72 | N/A | XXXX |  | $X.XX | XXXX |  | 49.85% | 49.85% | 49.85% | 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 |  |  | NA | 0 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - YTD Profit And Loss Verified, Lease Agreements Verified - ["2025"] - 2025 | Borrower - ["2025"] - 2025 | XXXX | XXXX | XX | 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 |  | XX | United States of America (USA) | XXXX | XXXX | XXXX | N/A | 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 | 73586.43 | 15.2 | 88236.36 | 18.2 | No | 52.02 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |

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## Exhibit 99.11

[MFA 2026-NQM2 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.11 - Schedule 6**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| Loan ID | Seller Loan ID | Investor Loan ID | Seller Name | Loan Program | Documentation Type | Executed NOO Docs in File | Lease In Place Flag | Actual In Place Rent | Third Party Market Rent Estimate | Third Party Rent Source | Actual Short Term Rent Amount | Actual Short Term Rent Source | Short Term Rent Number of Months | Short Term Rental Occupancy Factor | Rental Income Used for Property DSCR Calculation | Rental Source for Property DSCR Calculation | DSCR Calculation Based On Short Rental Income Flag | Property DTI | Originator DSCR | TPR DSCR | PITIA | Gross Rental Income Unit 1 | Lease End Date Unit 1 | Lease Term Unit 1 | Gross Rental Income Unit 2 | Lease End Date Unit 2 | Lease Term Unit 2 | Gross Rental Income Unit 3 | Lease End Date Unit 3 | Lease Term Unit 3 | Gross Rental Income Unit 4 | Lease End Date Unit 4 | Lease Term Unit 4 | Gross Rental Income Unit 5 | Lease End Date Unit 5 | Lease Term Unit 5 | Gross Rental Income Unit 6 | Lease End Date Unit 6 | Lease Term Unit 6 | Gross Rental Income Unit 7 | Lease End Date Unit 7 | Lease Term Unit 7 | Gross Rental Income Unit 8+ | Rent Loss Insurance | Rent Loss Insurance Amount | Fee Amount | Acquisition Cost | Renovation Cost | Effective Gross Income | Turnover Costs | Repairs and Maintenance | Marketing and Leasing Costs | Utilities | Other Costs | Cap Ex Reserve | Section 8 | Blanket Mortgage/Cross Collateral Flag | Number of Years Property Owned | Number of Mortgaged Properties With Lender | Number of Properties Securing Loan | Foreign National Alternative Credit Documentation | Months Reserves | Loan Closed in the name of Business Entity | Vested Business Entity Name | Vested Business Entity Type | Qualifying Primary Borrower Type | Qualifying Primary Borrower First Name | Qualifying Primary Borrower Last Name | Qualifying CoBorrower Type | Qualifying CoBorrower First Name | Qualifying CoBorrower Last Name | Qualifying CoBorrower 2 Type | Qualifying CoBorrower 2 First Name | Qualifying CoBorrower 2 Last Name | Qualifying CoBorrower 3 Type | Qualifying CoBorrower 3 First Name | Qualifying CoBorrower 3 Last Name | Non-Qualifying Guarantor 1 First Name | Non-Qualifying Guarantor 1 Last Name | Non-Qualifying Guarantor 1 Citizenship | Non-Qualifying Guarantor 1 Country Name | Non-Qualifying Guarantor 2 First Name | Non-Qualifying Guarantor 2 Last Name | Non-Qualifying Guarantor 2 Citizenship | Non-Qualifying Guarantor 2 Country Name | Personal Guaranty | Total Number of Guarantors | Personal Guaranty Recourse Level | Business Entity EIN | Primary Appraisal Occupancy |
| 61331 | XXXX | XXXX | XXXX | XXXX | Debt Service Coverage Ratio | Present | No |  | 2700 | Appraisal - 1007 |  |  |  |  | 2700 | Appraisal - 1007 | No | 107.85 | 0.93 | 0.927 | 2912.01 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 54200 |  |  |  |  |  |  |  |  |  |  |  | No | 0.0 | 1 | 1 |  | 28.44 | No | XXXX |  | Vested Individual | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  |  | 0 |  | XXXX | Owner |
| 88696 | XXXX | XXXX | XXXX | XXXX | 1YR Full Doc | Present | No - Owner Occupied | 0 | 3250 | Appraisal - 1007 |  |  |  |  | 3250 | Appraisal - 1007 | No | 95.78 | 0.0 | 0 | 3112.89 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 53500 |  |  |  | 3250 |  |  |  |  |  |  | No | No | 1.1 | 1 | 1 | N/A | 47.01 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX | Business Entity | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Owner |
| 88590 | XXXX | XXXX | XXXX | XXXX | Asset Depletion – Debt Ratio Calculation | Present | No | 0 | 12843.75 | Appraisal - Narrative |  | N/A |  |  | 12843.75 | Appraisal - Narrative | No | 77.2 |  | 0 | 9915.92 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 100000 |  |  |  | 12843.75 |  |  |  |  |  |  | No | No | 2.4 | 1 | 1 | N/A | 33.95 | Yes | XXXX | Limited Liability Corporation (LLC) | Individual Guarantor | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX |  | XXXX | XXXX | XXXX | XXXX |  |  | XXXX | XXXX |  |  | Yes | 1 | Full Recourse | XXXX | Tenant |

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## Exhibit 99.11

[MFA 2026-NQM2 Trust ABS-15G](mfa-abs15g.htm)

**Exhibit 99.11 - Schedule 7**

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| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 61331 |  |  | XXXX | AUS Recommendation | the1008Page | XXXX | XXXX | XXXX |
| 88697 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 88697 |  |  | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 88693 |  |  | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 88693 |  |  | XXXX | Qualifying Total Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 88693 |  |  | XXXX | Qualifying Housing Debt Income Ratio | diligenceFinalLookPage | XXXX | XXXX | XXXX |
| 88579 |  |  | XXXX | Amortization Term | notePage | XXXX | XXXX | XXXX |
| 88583 |  |  | XXXX | Amortization Term | notePage | XXXX | XXXX | XXXX |
| 88589 |  |  | XXXX | Property Value | propertyValuationPage | XXXX | XXXX | XXXX |
| 88589 |  |  | XXXX | CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| 88590 |  |  | XXXX | Property Value | propertyValuationPage | XXXX | XXXX | XXXX |
| 88590 |  |  | XXXX | CLTV | propertyValuationPage | XXXX | XXXX | XXXX |
| 88594 |  |  | XXXX | Amortization Term | notePage | XXXX | XXXX | XXXX |
| 88602 |  |  | XXXX | Qualifying FICO | creditLiabilitiesPage | XXXX | XXXX | XXXX |
| 88602 |  |  | XXXX | Property Value | propertyValuationPage | XXXX | XXXX | XXXX |
| 88602 |  |  | XXXX | Amortization Term | notePage | XXXX | XXXX | XXXX |
| 88602 |  |  | XXXX | CLTV | propertyValuationPage | XXXX | XXXX | XXXX |

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